Todd, who has played 13 tests, will wear protection around the thumb and his presence could be crucial against a side who will attempt to pressure the Crusaders at the breakdown.
Last year, on the All Blacks' November tour, Todd got the nod as Sam Cane's back-up ahead of Savea.
Mitch Hunt has been named in the No10 jersey in the absence of Mo'unga, who has had surgery on a broken jaw.
Elsewhere, flanker Pete Samu will be out for a fortnight with a shoulder issue, while a phalanx of All Blacks regulars - including Kieran Read, Israel Dagg and props Joe Moody and Owen Franks - remain on the sidelines.
Heiden Bedwell-Curtis takes Samu's place in the run-on side, while Todd's return sees Billy Harmon move to the bench.
Crusaders: David Havili, Seta Tamanivalu, Jack Goodhue, Ryan Crotty, George Bridge, Mitch Hunt, Bryn Hall, Jordan Taufua, Matt Todd, Heiden Bedwell-Curtis, Sam Whitelock (c), Scott Barrett, Michael Alaalatoa, Codie Taylor, Wyatt Crockett.
Reserves: Ben Funnell, Chris King, Oliver Jager, Luke Romano, Billy Harmon, Mitch Drummond, Mike Delany, Manasa Mataele.