SureSave Travel Insurance
SureSave is one of Australia’s most innovative and flexible travel insurance providers. SureSave understands that travel insurance needs to be unique, and with SureSave, you can choose a travel insurance plan from a range of different options depending on your budget and the nature of planned activities.
Whether you are holidaying in Australia or overseas, travelling for business, pursuing your favourite sports destinations or simply visiting friends and relatives, it’s important to get the right cover. And with the handy SureSave mobile app, you can rest assured that you have access to world-class travel safety, insurance, and assistance before, during, and after each trip.
Travel Insurance Products Offered by SureSave
Comprehensive - SureSave's Comprehensive plan includes extensive cover for a variety of medical and other events that could affect you before or during your trip. It offers unlimited cover for most critical benefits, while other the limits on other benefits can be increased when taking out the policy. Comprehensive cover is meant for international trips, which includes cruises that travel further than three nautical miles off the Australian coastline.
Basic - The Basic plan is also aimed at international trips and non-domestic cruises but is a lower-cost option that doesn't offer the same level of benefits as the Comprehensive plan. Essential medical cover is included, but some other benefits - including costs related to cancellations - are not.
Domestic - As the name implies, the Domestic plan is meant exclusively for trips within Australia. Like the Basic plan, some benefits are not included. Domestic cruises that don't travel into international waters are covered, but cruises from one Australian port to another could require Comprehensive cover if they travel out further than three nautical miles off the Australian coastline.
Annual Frequent Traveller (AFT) - The AFT plan offers the same cover as the Comprehensive plan, but for an unlimited number of international and domestic trips in a 12-month period. It saves frequent travellers the hassle of having to take out travel insurance for each trip, while still offering a high level of cover.
Comparing the Benefits of SureSave’s Travel Insurance Products
Comprehensive & AFT Plans
Overseas medical costs
Medical evacuation costs
Medical repatriation costs
Return of rental vehicle costs
Loss of income
Total and permanent disability
Overseas dental costs
Overseas burial, cremation or repatriation of remains
(before your trip starts only)
Unused visa costs
(before your trip starts only)
Extra trip costs
(on your trip only)
Resumption of trip costs
(on your trip only)
Insolvency unused arrangements
Insolvency rearrangement costs
Waiting around allowance
Extra accommodation costs
Missed flight, other transport or
tour amendment fees
Getting to a one-off performance or function, tour or cruise on time
Standard luggage costs
New for old luggage costs
(delays over 12 hours)
Emergency passport replacement fees
Lost, stolen or damaged passport or other travel documents
Reimbursement for stolen cash
Rental vehicle insurance excess
Rental company administration charges
The benefit limits shown in the table are for illustration purposes only. For some benefits, sub-limits will apply, and these will be covered in the Product Disclosure Document (PDS) .
1 (for up to 12 months from the date of injury or illness)
2 for each primary traveller (combined limit)
3 for each primary traveller
4 Combined limits, with option to increase to Unlimited (or to $20,000 for AFT or Domestic)
5 (up to an additional $10,000)
6 with option to increase to $8,000 (combined limit)
7 per policy (combined limit)
Important Conditions Relating to all SureSave Travel Insurance Products
Cover is available on all plans for travellers meeting any of the following conditions:
They are an Australian citizen or a permanent resident of Australia;
They are in Australia on a skilled working visa (working holiday visas do not count);
They have a partner or spouse visa allowing them to stay in Australia for at least 2 years; or
They are a New Zealand passport holder.
Cover is also only available to travellers who have unrestricted right of entry into Australia, and who have access to long-term medical care in Australia (excluding any Reciprocal Health Care Agreements).
On all plans, a trip is defined as any journey of more than 50 kilometres from an individual’s home, and that begins and ends at an individual’s home. This increases to 100 kilometres for Annual Frequent Traveller cover.
If a travel insurance policy is bought after a trip has started, a 72-hour waiting period may apply before cover becomes effective.
Cover is available on the Comprehensive and Domestic plans for travellers of any age. However, individuals aged 81 or over will be subjected to a simple health and lifestyle assessment which may limit or restrict the terms of their cover.
Cover on the Basic and Annual Frequent Traveller plans is only available to travellers younger than 76 years at the time the policy is purchased.
Children under the age of 25 are covered at no extra charge, on condition they are travelling with a parent or grandparent, are listed on the Certificate of Insurance (COI) as an Insured Dependant, and don't have a full-time job at the time the policy is purchased. Insured Dependants with a pre-existing medical condition may require payment of an additional premium.
Some sports and activities are not covered by any plan, while those that are have separate rule and conditions that govern how and when claims can be submitted. Participation in any winter sports require separate cover.
Riding motorised bikes, mopeds, or motorcycles are also governed by separate rules, covered in the Product Disclosure Statement (PDS).
General Exclusions That Apply to all SureSave Travel Insurance Products
Travellers are always expected to act within the law, and to take reasonable care of themselves and their luggage. Claims arising from unlawful, fraudulent, or criminal acts will not be honoured, as will any claims that result from not following local laws, official warnings, or being under the influence of alcohol or drugs.
Claims relating to pre-existing medical conditions that have not been declared, and pre-existing medical conditions that aren't automatically covered or listed on the COI for additional cover.
Other specific medical conditions listed in the SureSave PDS.
Travelling against medical advice, or when an individual knows they are unfit to travel.
Travelling to any destination that the Australian government has listed as a "Do not travel" zone.
Any claims that arise as a direct result of war, riots, and other violent activities, even if not declared when the trip begins.
Certain sporting and other high-risk activities listed in the SureSave PDS, including participation in winter sports without taking out optional Winter Sports cover.
Impact of Travel Alerts on SureSave Travel Insurance
SureSave maintains a list of travel alerts on their website, which include important information relating to severe weather, natural disasters, and other activities which could affect travel. Travellers are always advised to monitor this page to ensure any planned travel is not affected. Policies bought after a travel alert is issued usually have cover restricted or limited for any travel happening while the alert is in place. However, no cover is available to individuals who choose to travel to any destination with a "Do not travel" warning in place. The Australian government maintains the Smartraveller website which lists up to date travel advisories for destinations around the world, which may affect your travels and your travel cover.
SureSave Travel Cover for Pre-Existing Medical Conditions
All SureSave travel policies include automatic cover for more than 40 pre-existing medical conditions, as long as they are disclosed when taking out the policy, and specific criteria for each condition is also met. Other pre-existing medical conditions not listed in the PDS could be covered at SureSave's discretion, but these would also need to be disclosed before taking out travel cover, and may require a medical assessment and an extra premium. Claims related to pre-existing medical conditions that a traveller was aware of, or should have been aware of, may be declined. Pregnancies without a history of complications are covered, provided any events necessitating a claim occur before the end of the 26th week, for a single pregnancy, or the 19th week for a multiple pregnancy. Any traveller in doubt over whether a medical condition counts as a pre-existing condition should always disclose it.
Claims Excess for SureSave Travel Insurance Products
An excess may apply for any claim submitted, and this excess will be deducted from any amount paid out for a successful claim. The exact excess amount will be listed on the COI, though this can be reduced by selecting the Excess Buy-out Option offered by SureSave on single-trip Comprehensive and Basic plans. The excess applies to each separate incident.
Cooling Off Period for SureSave Travel Insurance Products
Travellers have 14 days from the day they buy their policy to decide if the cover is right for them. If it’s not, travellers can cancel their policy within this ‘cooling-off period’ – and receive a full refund of their premium, provided they haven’t started their trip, haven’t made a claim, and don’t intend to make a claim or exercise any other right under their policy. When cancelling a policy outside the cooling-off period, no refund is given on any part of the premium.
SureSave Travel Insurance Claims Process
Travellers needing to initiate a claim should always do so as soon as it is possible, following these steps:
Identify the event the cover and claim falls under. These are listed as Events in the PDS.
Pay careful attention to the rules and conditions that apply to each event, along with what the cover involves, and the benefit limits that may apply.
Go to com.au/checklists and follow the steps outlined for the relevant event. Each checklist includes contact details for SureSave and for emergency assistance, and also clearly list what supporting documentation needs to be included with a claim.
Once a traveller is sure they meet all the conditions and requirements, and that they have all the relevant supporting documentation, they can go to com.au/claims to begin the claim process. Claims can either be submitted via email or standard mail.
SureSave Travel Insurance Contact Details
Insured travellers can contact SureSave for any queries, issues, claims, or emergency assistance using any of the following methods:
|Underwriter||Certain Underwriters at Lloyds|
|Customer Service||1300 787 376|
|Customer Service (from outside Australia)||+61 2 9234 3111|
|Claims Enquiries (non-emergencies)||1300 625 229|
|Overseas Claims Enquiries||+61 2 8263 0487|
|Claims Enquiries (non-emergencies)||firstname.lastname@example.org|
|Emergency Assistance Provider||WE Assist|
|Emergency Contact Number||+61 2 9234 3113 or|
|Emergency Contact Number||+61 2 8256 1513|
|Emergency Contact SMS||+61 417 342 076|
|Emergency Contact Emailemail@example.com|
|Medical Assessments||1300 763 872|
QBE Travel Insurance
The QBE Insurance Group is Australia's largest international general insurance & reinsurance group, and one of the top 25 insurers and reinsurers worldwide.Claims. 1300 555 017
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SureSave is one of Australia’s most innovative and flexible providers. SureSave understands that travel insurance needs to be unique.Claims. 1300 625 229
View full profile for Suresave
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