{
 "generated_at": "2026-11-06T04:17:02Z",
 "brand_slug": "travel-insurance-saver",
 "brand": "Travel Insurance Saver",
 "site": "https://www.travelinsurancesaver.com.au/",
 "product": "Travel Insurance Saver PDS v1.3",
 "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-saver/",
 "insurer": {
  "name": "Lloyd's",
  "legal_name": "Certain Underwriters at Lloyd's",
  "abn": null,
  "afs_licence_number": null,
  "footing": "lloyds",
  "register": {
   "outcome": "lloyds",
   "apra_status": null,
   "matched_on": "footing",
   "asic_licensee": null,
   "note": "Lloyd's underwriters carry Australian risk under Lloyd's own authorisation rather than as a company on APRA's register of general insurers, so not appearing on that register is expected and says nothing about the cover."
  },
  "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
  "citation": {
   "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
   "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
   "page": 3,
   "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
   "confirmed": "2026-11-05"
  }
 },
 "sold_by": {
  "name": "Chase Underwriting Solutions Pty Ltd",
  "basis": "authorised_representative"
 },
 "documents": {
  "pds": {
   "kind": "pds",
   "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
   "label": "Travel Insurance Saver PDS v1.3",
   "status": "ok",
   "http_status": 200,
   "words": 18932,
   "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
   "bytes_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
   "retrieved_at": "2026-11-04T23:17:35Z"
  },
  "tmd": {
   "kind": "tmd",
   "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf",
   "label": "Travel Insurance Saver Target Market Determination v1.3",
   "status": "ok",
   "http_status": 200,
   "words": 1854,
   "content_sha256": "debdd5a5506cf884b5eb528da5794ddafe06c57459a774d7df60db0d7fdd2e15",
   "bytes_sha256": "4388ab486efa36825e0259586e5d6908127fa1d4decc966f26450dfc4447e68c",
   "retrieved_at": "2026-11-04T23:17:36Z"
  }
 },
 "application": {
  "cooling_off_days": 14,
  "cooling_off_quote": "If, having purchased the Policy, You want to cancel it, You can do so within 14 business days of receiving the Certificate of Insurance and obtain a full refund, provided You have not made a claim and Your Trip has not commenced",
  "maximum_age": null,
  "maximum_age_check": "not_stated",
  "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.",
  "who_it_is_designed_for": null,
  "always_ask_the_traveller": [
   "The age of every traveller to be covered, not just the eldest.",
   "Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.",
   "Departure and return dates, and for an annual policy the longest single trip.",
   "The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.",
   "Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.",
   "Whether they already hold travel cover through a credit card or health fund."
  ]
 },
 "plans": [
  {
   "brand_slug": "travel-insurance-saver",
   "plan_slug": "comprehensive",
   "brand": "Travel Insurance Saver",
   "site": "https://www.travelinsurancesaver.com.au/",
   "insurer": "Lloyd's",
   "insurer_footing": "lloyds",
   "product": "All plans",
   "plan": "Comprehensive",
   "varies_by": "plan",
   "benefits_read": 28,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": false,
   "cooling_off_days": 14,
   "limits": {
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 10000,
     "stated": "$10,000",
     "citation": {
      "quote": "10 Rental Vehicle Insurance Excess",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$5,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 5000000,
     "stated": "$5,000,000",
     "citation": {
      "quote": "11 Personal Liability",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000,000",
       "$2,500,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 3000,
     "stated": "$3,000",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$1,500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
   "labels": [
    "overseas",
    "domestic",
    "single-trip",
    "annual-multi-trip",
    "cruise",
    "age-to-90",
    "pre-existing-if-approved",
    "australian-residents-only"
   ],
   "conditions": {
    "lines": [
     "Covers one trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length on your certificate, overseas or within Australia.",
     "A cruise is covered as part of the plan, with its own emergency medical cover while cruising.",
     "You must be 90 or younger when you buy the policy.",
     "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
     "You must be an Australian citizen living in Australia, or have lived in Australia for at least 3 months."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3"
   },
   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-saver/comprehensive/"
  },
  {
   "brand_slug": "travel-insurance-saver",
   "plan_slug": "essentials",
   "brand": "Travel Insurance Saver",
   "site": "https://www.travelinsurancesaver.com.au/",
   "insurer": "Lloyd's",
   "insurer_footing": "lloyds",
   "product": "All plans",
   "plan": "Essentials",
   "varies_by": "plan",
   "benefits_read": 28,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": false,
   "cooling_off_days": 14,
   "limits": {
    "rental_vehicle_excess": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "10 Rental Vehicle Insurance Excess",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$5,000"
      ]
     }
    },
    "personal_liability": {
     "kind": "amount",
     "amount_aud": 2500000,
     "stated": "$2,500,000",
     "citation": {
      "quote": "11 Personal Liability",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000,000",
       "$2,500,000"
      ]
     }
    },
    "travel_delay": {
     "kind": "amount",
     "amount_aud": 1500,
     "stated": "$1,500",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$1,500"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
   "labels": [
    "overseas",
    "domestic",
    "single-trip",
    "annual-multi-trip",
    "cruise",
    "age-to-90",
    "pre-existing-if-approved",
    "australian-residents-only"
   ],
   "conditions": {
    "lines": [
     "Covers one trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length on your certificate, overseas or within Australia.",
     "A cruise is covered as part of the plan, with its own emergency medical cover while cruising.",
     "You must be 90 or younger when you buy the policy.",
     "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
     "You must be an Australian citizen living in Australia, or have lived in Australia for at least 3 months."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3"
   },
   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
    "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
    "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/travel-insurance-saver/essentials/"
  }
 ],
 "benefit_tables": [
  {
   "group": "All plans",
   "label_quality": {
    "benefits": 28,
    "names_that_look_fragmentary": 0,
    "note": null
   },
   "plans_without_a_readable_name": null,
   "plan_name_mismatch": null,
   "plan_axis": "plan",
   "plans": [
    {
     "plan": "Comprehensive",
     "trip_type": null
    },
    {
     "plan": "Essentials",
     "trip_type": null
    }
   ],
   "plan_names": [
    "Comprehensive",
    "Essentials"
   ],
   "coverage": {
    "benefits": 28,
    "cells": 56,
    "cells_possible": 56
   },
   "benefits": [
    {
     "benefit": "Annual Multi-Trip (under 81 years of age)",
     "benefit_as_printed": "Annual Multi-Trip (under 81 years of age)",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$20,000",
       "kind": "amount",
       "amount_aud": 20000
      },
      "Essentials": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "Annual Multi-Trip (under 81 years of age)                             $20,000             $10,000       N/A"
     },
     "citation": {
      "quote": "Annual Multi-Trip (under 81 years of age)",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$20,000",
       "$10,000"
      ]
     }
    },
    {
     "benefit": "Annual Multi-Trip (81 to 90 years of age)",
     "benefit_as_printed": "Annual Multi-Trip (81 to 90 years of age)",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Essentials": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "1           Annual Multi-Trip (81 to 90 years of age)                             $10,000             $5,000        N/A"
     },
     "citation": {
      "quote": "Annual Multi-Trip (81 to 90 years of age)",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "Single Trip (under 91 years of age)",
     "benefit_as_printed": "Single Trip (under 91 years of age)",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$20,000",
       "kind": "amount",
       "amount_aud": 20000
      },
      "Essentials": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "Single Trip (under 91 years of age)                                   $20,000             $10,000       N/A"
     },
     "citation": {
      "quote": "Single Trip (under 91 years of age)",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$20,000",
       "$10,000"
      ]
     }
    },
    {
     "benefit": "Domestic Travel Within Australia",
     "benefit_as_printed": "Domestic Travel Within Australia",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Essentials": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "Domestic Travel Within Australia                                      $10,000             $5,000        N/A"
     },
     "citation": {
      "quote": "Domestic Travel Within Australia",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "Overseas Emergency Medical Assistance",
     "benefit_as_printed": "Overseas Emergency Medical Assistance",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Essentials": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Overseas Emergency Medical Assistance                                 $Unlimited*         $Unlimited*   $Unlimited*"
     },
     "citation": {
      "quote": "Overseas Emergency Medical Assistance",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*",
       "$Unlimited*",
       "$Unlimited*"
      ]
     }
    },
    {
     "benefit": "Overseas Emergency Medical Expenses",
     "benefit_as_printed": "Overseas Emergency Medical Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Essentials": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "2           Overseas Emergency Medical Expenses                                   $500                $500          $500"
     },
     "citation": {
      "quote": "Overseas Emergency Medical Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "overseas_dental_emergency",
     "benefit_as_printed": "Overseas Emergency Dental Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$100,000",
       "kind": "amount",
       "amount_aud": 100000
      },
      "Essentials": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      }
     },
     "evidence": {
      "row": "Overseas Emergency Dental Expenses                                    $100,000            $50,000       $50,000"
     },
     "citation": {
      "quote": "Overseas Emergency Dental Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$100,000",
       "$50,000",
       "$50,000"
      ]
     }
    },
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "Additional Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$100,000",
       "kind": "amount",
       "amount_aud": 100000
      },
      "Essentials": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      }
     },
     "evidence": {
      "row": "Additional Expenses                                                   $25,000             $12,500       $12,500"
     },
     "citations": [
      {
       "quote": "Additional Expenses",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
       "page": 15,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05",
       "cells": [
        "$25,000",
        "$12,500",
        "$12,500"
       ]
      },
      {
       "quote": "Additional Expenses",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
       "page": 15,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05",
       "cells": [
        "$100,000",
        "$50,000",
        "$50,000"
       ]
      }
     ]
    },
    {
     "benefit": "Additional Expenses (Domestic Travel Within Australia)",
     "benefit_as_printed": "Additional Expenses (Domestic Travel Within Australia)",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$100,000",
       "kind": "amount",
       "amount_aud": 100000
      },
      "Essentials": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      }
     },
     "evidence": {
      "row": "Additional Expenses (Domestic Travel Within Australia)                $100,000            $50,000       $50,000"
     },
     "citation": {
      "quote": "Additional Expenses (Domestic Travel Within Australia)",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$100,000",
       "$50,000",
       "$50,000"
      ]
     }
    },
    {
     "benefit": "Emergency Medical Assistance",
     "benefit_as_printed": "Emergency Medical Assistance",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Essentials": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Emergency Medical Assistance                                          $Unlimited*         $Unlimited*   $Unlimited*"
     },
     "citation": {
      "quote": "Emergency Medical Assistance",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*",
       "$Unlimited*",
       "$Unlimited*"
      ]
     }
    },
    {
     "benefit": "Emergency Medical Expenses",
     "benefit_as_printed": "Emergency Medical Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Essentials": {
       "stated": "$Unlimited*",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Emergency Medical Expenses                                            $Unlimited*         $Unlimited*   $Unlimited*"
     },
     "citation": {
      "quote": "Emergency Medical Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*",
       "$Unlimited*",
       "$Unlimited*"
      ]
     }
    },
    {
     "benefit": "Emergency Dental Expenses",
     "benefit_as_printed": "Emergency Dental Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Essentials": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "3           Emergency Dental Expenses                                             $500                $500          $500"
     },
     "citation": {
      "quote": "Emergency Dental Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "Cruise Cabin Confinement",
     "benefit_as_printed": "Cruise Cabin Confinement",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "Essentials": {
       "stated": "$375",
       "kind": "amount",
       "amount_aud": 375
      }
     },
     "evidence": {
      "row": "3.1 Cruise Cabin Confinement                                          $750                $375          N/A"
     },
     "citation": {
      "quote": "3.1 Cruise Cabin Confinement",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$750",
       "$375"
      ]
     }
    },
    {
     "benefit": "Prepaid Shore Excursion Cancellation",
     "benefit_as_printed": "Prepaid Shore Excursion Cancellation",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$1,000",
       "kind": "amount",
       "amount_aud": 1000
      },
      "Essentials": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "3.2 Prepaid Shore Excursion Cancellation                              $1,000              $500          N/A"
     },
     "citation": {
      "quote": "3.2 Prepaid Shore Excursion Cancellation",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,000",
       "$500"
      ]
     }
    },
    {
     "benefit": "Missed Port",
     "benefit_as_printed": "Missed Port",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Essentials": {
       "stated": "$375",
       "kind": "amount",
       "amount_aud": 375
      }
     },
     "evidence": {
      "row": "3.3 Missed Port                                                       $500                $375          N/A"
     },
     "citation": {
      "quote": "3.3 Missed Port",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$375"
      ]
     }
    },
    {
     "benefit": "hospital_incidentals",
     "benefit_as_printed": "Hospital Cash Allowance",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$6,000",
       "kind": "amount",
       "amount_aud": 6000
      },
      "Essentials": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "Hospital Cash Allowance                                               $6,000              $3,000        N/A"
     },
     "citation": {
      "quote": "Hospital Cash Allowance",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$6,000",
       "$3,000"
      ]
     }
    },
    {
     "benefit": "Hospital Cash Allowance - Domestic Travel Within Australia",
     "benefit_as_printed": "Hospital Cash Allowance - Domestic Travel Within Australia",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "Essentials": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "4           Hospital Cash Allowance - Domestic Travel Within Australia            $3,000              $1,500        N/A"
     },
     "citation": {
      "quote": "Hospital Cash Allowance - Domestic Travel Within Australia",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Baggage and Personal Effects",
     "benefit_as_printed": "Baggage and Personal Effects",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$20,000",
       "kind": "amount",
       "amount_aud": 20000
      },
      "Essentials": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "Baggage and Personal Effects                                          $20,000             $10,000       N/A"
     },
     "citation": {
      "quote": "Baggage and Personal Effects",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$20,000",
       "$10,000"
      ]
     }
    },
    {
     "benefit": "Baggage and Personal Effects - Domestic Travel Within",
     "benefit_as_printed": "Baggage and Personal Effects - Domestic Travel Within",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Essentials": {
       "stated": "$2,500",
       "kind": "amount",
       "amount_aud": 2500
      }
     },
     "evidence": {
      "row": "6           Baggage and Personal Effects - Domestic Travel Within                 $5,000              $2,500        N/A"
     },
     "citation": {
      "quote": "Baggage and Personal Effects - Domestic Travel Within",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$2,500"
      ]
     }
    },
    {
     "benefit": "Baggage Delay Expenses",
     "benefit_as_printed": "Baggage Delay Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "Essentials": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      }
     },
     "evidence": {
      "row": "Baggage Delay Expenses                                                $1,500              $750          N/A"
     },
     "citation": {
      "quote": "Baggage Delay Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$750"
      ]
     }
    },
    {
     "benefit": "Baggage Delay Expenses - Domestic Travel Within Australia",
     "benefit_as_printed": "Baggage Delay Expenses - Domestic Travel Within Australia",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$750",
       "kind": "amount",
       "amount_aud": 750
      },
      "Essentials": {
       "stated": "$375",
       "kind": "amount",
       "amount_aud": 375
      }
     },
     "evidence": {
      "row": "Baggage Delay Expenses - Domestic Travel Within Australia             $750                $375          N/A"
     },
     "citation": {
      "quote": "Baggage Delay Expenses - Domestic Travel Within Australia",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$750",
       "$375"
      ]
     }
    },
    {
     "benefit": "Travel Documents, Transaction Cards and Traveller's",
     "benefit_as_printed": "Travel Documents, Transaction Cards and Traveller's",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "Essentials": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "Travel Documents, Transaction Cards and Traveller's                   $3,000              $1,500        N/A"
     },
     "citation": {
      "quote": "Travel Documents, Transaction Cards and Traveller's",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Cheques",
     "benefit_as_printed": "Cheques",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Essentials": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "$500                $500"
     },
     "citation": {
      "quote": "Cheques",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "travel_delay",
     "benefit_as_printed": "Travel Delay Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      },
      "Essentials": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      }
     },
     "evidence": {
      "row": "Travel Delay Expenses                                                 $3,000              $1,500        N/A"
     },
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000",
       "$1,500"
      ]
     }
    },
    {
     "benefit": "Travel Delay Expenses - Domestic Travel Within Australia",
     "benefit_as_printed": "Travel Delay Expenses - Domestic Travel Within Australia",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "Essentials": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "8           Travel Delay Expenses - Domestic Travel Within Australia              $1,500              $500          N/A"
     },
     "citation": {
      "quote": "Travel Delay Expenses - Domestic Travel Within Australia",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$500"
      ]
     }
    },
    {
     "benefit": "Alternative Transport Expenses",
     "benefit_as_printed": "Alternative Transport Expenses",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$7,000",
       "kind": "amount",
       "amount_aud": 7000
      },
      "Essentials": {
       "stated": "$3,500",
       "kind": "amount",
       "amount_aud": 3500
      }
     },
     "evidence": {
      "row": "9           Alternative Transport Expenses                                        $7,000              $3,500        N/A"
     },
     "citation": {
      "quote": "9 Alternative Transport Expenses",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,000",
       "$3,500"
      ]
     }
    },
    {
     "benefit": "rental_vehicle_excess",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Essentials": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      }
     },
     "evidence": {
      "row": "10          Rental Vehicle Insurance Excess                                       $10,000             $5,000        N/A"
     },
     "citation": {
      "quote": "10 Rental Vehicle Insurance Excess",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$5,000"
      ]
     }
    },
    {
     "benefit": "personal_liability",
     "benefit_as_printed": "Personal Liability",
     "page": "lines 774-815",
     "limits": {
      "Comprehensive": {
       "stated": "$5,000,000",
       "kind": "amount",
       "amount_aud": 5000000
      },
      "Essentials": {
       "stated": "$2,500,000",
       "kind": "amount",
       "amount_aud": 2500000
      }
     },
     "evidence": {
      "row": "11          Personal Liability                                                    $5,000,000          $2,500,000    N/A"
     },
     "citation": {
      "quote": "11 Personal Liability",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=15",
      "page": 15,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000,000",
       "$2,500,000"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "page": "lines 774-815",
   "proposed_benefit": "Permanent Disability Benefit",
   "line": "            Permanent Disability Benefit                                          $50,000             N/A           N/A",
   "problems": [
    "too few of the plan columns carry a value"
   ]
  }
 ],
 "how_it_was_read": "The PDS rendered with its page columns preserved, then the grid reconstructed: a column has to carry values on several rows to count as a column, plan names come from the header words over each column, and every row keeps the line it was read from. A row that could not be read confidently is in `review`, not in `benefits`."
}