Travel Insurance Saver
Single Trip Annual Multi Trip
    27
    April
    2024
    28
    April
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Poland - Geography

    Extras

    Poland is a country in Central Europe, east of Germany, is situated in the middle of the continent, between two rivers the Vistula and Odra. 

    The country extends 876 kilometres from north to south and 689 kilometres from east to west. Poland's total area is 312,843 square kilometres, including inland waters. The landscape is diversified with mountain ranges in the South, Lowlands and Uplands stretching across central Poland, and sandy beaches of the Baltic coast and lake lands known for forested rolling hills and thousands of lakes in the north.  

    The terrain variations generally run in bands from east to west. The Baltic coast lacks natural harbors except for the Gdańsk-Gdynia region and Szczecin in the far northwest. The northeastern region, called the Lake District, is densely wooded, sparsely populated and lacks agricultural and industrial resources. 

    To the south and west of the lake district, a vast region of plains extends to the Sudetes on the Czech and Slovak borders to the southwest and to the Carpathians on the Czech, Slovak, and Ukrainian borders to the southeast. The average elevation of Poland is 173 meters, and only 3 % of Polish territory, along the southern border, is higher than 500 meters. The highest elevation is Mount Rysy, which rises 2,499 meters in the Tatra Range of the Carpathians, 95 kilometres south of Kraków. About 60 square kilometres along the Gulf of Gdańsk are below sea level. 

    Poland is traditionally divided into five topographic zones from north to south. The largest, the central lowlands, is narrow in the west, then expands to the north and south as it extends eastward. Along the eastern border, this zone reaches from the far northeast to within 200 kilometres of the southern border. 

    The terrain in the central lowlands is quite flat, and earlier glacial lakes have been filled by sediment. The region is cut by several major rivers, including the Oder (Odra), which defines the Silesian Lowlands in the southwest, and the Vistula (Wisla), which defines the lowland areas of east-central Poland. 

    To the south of the lowlands are the lesser Poland uplands, a belt varying in width from 90 to 200 kilometres, formed by the gently sloping foothills of the Sudeten and Carpathian Mountain ranges and the uplands that connect the ranges in southcentral Poland. The topography of this region is divided transversely into higher and lower elevations, reflecting its underlying geological structure. The third topographic area is located on either side of Poland's southern border and is formed by the Sudeten and Carpathian ranges. Within Poland, neither of these ranges is forbidding enough to prevent substantial habitation; the Carpathians are especially densely populated. 

    The rugged form of the Sudeten range derives from the geological shifts that formed the later Carpathian uplift. The highest elevation in the Sudeten is 1,602 meters, in the Karkonosze Mountains. The Carpathians in Poland, formed as a discrete topographical unit in the relatively recent Tertiary Era, are the highest and most picturesque mountains in the country. 

    To the north of the central lowlands, the lake region includes the only primeval forests remaining in Europe and much of Poland's shrinking unspoiled natural habitat. Glacial action in this region formed lakes and low hills in the otherwise flat terrain adjacent to Lithuania and the Baltic Sea. Small lakes dot the entire northern half of Poland, and the glacial formations that characterize the lake region extend as much as 200 kilometres inland in western Poland. Wide river valleys divide the lake region into three parts. In the northwest, Pomerania is located south of the Baltic coastal region and north of the Warta and Noteć rivers. Masuria occupies the remainder of northern Poland and features a string of larger lakes. 

    Most of Poland's 9,300 lakes that are more than 10,000 square kilometres in area are in the northern part of the lake region, where they occupy about 10 % of the surface area. The Baltic coastal plains are a low-lying region formed of sediments deposited by the sea. The coastline was shaped by the action of the rising sea after the Scandinavian ice sheet retreated. The two major inlets in the smooth coast are the Pomeranian Bay on the German border in the far northwest and the Gulf of Gdańsk in the east. The Oder River empties into the former, and the Vistula forms a large delta at the head of the latter. Sandbars with large dunes form lagoons and coastal lakes along much of the coast. The southern mountainous part of the country was formed by rock movements.  

    The oldest of the mountain ranges are Sudety and Swietokrzyskie Mountians.  The best-known range of the Sudety Mountains is Karkonosze in Lower Silesia.  From the top of Mt. Sniezka (1,602 m) one can admire a splendid view of the natural and manmade wonders of this land.  Next in the process of the alpine folds the Carpathian Mountains were formed. And among them the forested Beskidy Range as well as the rugged and sharp, truly alpine style the High Tatra Mountain Range.  

    Back to Poland Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.