Basic Travel Insurance

We cover $unlimited overseas medical expenses if you are diagnosed with COVID-19 during your trip overseas. “$Unlimited” means no dollar capped sum insured. Cover will not exceed 12 months from onset of the illness.

Additional expenses up to $2,500 are also covered during your trip if you're diagnosed with COVID-19 and required to self-isolate and incur additional transport and accommodation expenses after being diagnosed with COVID-19. Cover is $Unlimited in the case where you require hospitalisation. “$Unlimited” means no dollar capped sum insured. Cover will not exceed 12 months from onset of the illness.

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT available under the Basic plan.

For claims related to COVID-19, sub-limits and a special excess may apply.

If you need medical treatment, you'll have $unlimited cover (for up to 12 months from onset of the illness, condition or injury) for the cost of emergency overseas hospital and medical treatment. “$Unlimited” means no dollar capped sum insured.

You’ll also have cover for emergency dental treatment up to $500. This means you can focus on staying healthy while you're away from home.

You can still get cover for travel insurance, if you have an existing medical condition.

Budget Direct travel insurance covers a range of existing medical conditions automatically (subject to the criteria).   

For others, you can complete a health assessment at the same time you get your quote. If approved, an additional premium may apply.

Check the Combined FSG & PDS for more information about existing medical conditions and what the policy covers.

We can cover the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged (limits and sub-limits apply). Depreciation only applies to items more than 2 years old.

Personal legal liability provides cover if you accidentally damage someone else's property or injure someone else during your trip and as a result of your negligent act, you become unintentionally legally liable to pay compensation. For full details regarding Personal Liability cover, please read the Product Disclosure Statement (PDS). For example, there is no cover for personal liability claims arising from using a mechanically propelled vehicle such as a car or motorcycle.

We cover a range of adventure activities when you're traveling including surfing, bungee jumping and zip lining. This means you can experience the activities you love, while you're traveling overseas or interstate.

Some adventure activities and snow sports may not be automatically included in the cover. Cover is available to buy for certain adventure activities and snow sports. Please read the PDS to learn more about which activities you'll be covered for.  

Get cover for even more activities with Adventure Activities Cover, Snow Sports Cover and Motorcycle/moped riding Cover.

If you're taking a cruise holiday, our Travel Insurance policies can cover you during your cruise overseas or outside Australian Coastal Waters with Cruise Cover available on our International Basic plan. 

With Cruise Cover we cover $unlimited medical expenses (for up to 12 months from onset of the illness, condition or injury), and dental expenses (up to $500) when you receive treatment onboard a cruise ship outside Australia by or on the advice of a qualified medical practitioner. “$Unlimited” means no dollar capped sum insured.

You'll also be covered for ship to shore emergency transportation, sea sickness cover, missed ports and shore excursions and cabin confinement up to the specified policy limits.

Compare all benefits, features and benefit limits.

Not all benefits apply to all levels of cover. Terms, conditions, limits, sub-limits and exclusions apply. For full details, please read the Combined FSG & PDS.

There are two levels of Snow Sports Cover:

1. Snow Sports includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.

2. Snow Sports+ includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding (conditions apply) as well as heli-skiing/boarding.

See the full list of snow sports included in Snow Sports and Snow Sports+ cover.

There are two levels of Adventure Cover:

1. Adventure cover includes  paragliding/parascending/parasailing (over land), sailing, water skiing and more.

2. Adventure+ includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.

See the full list of activities included in Adventure and Adventure+ cover.

You can increase your luggage item limit on your travel insurance policy if you're carrying a valuable item that you want to insure for more (maximum limits apply). Make sure you also have receipts or valuations of that item on hand.

With two levels of cover available, Motorcycle/Moped Riding covers riding a motorcycle or moped with an engine capacity of 250cc or less while Motorcycle/Moped Riding+ insures unlimited engine capacity. Conditions apply.

You can add one or more of these cover options when you get a quote and buy a policy.

If you've already bought a policy and wish to add any of these covers, call us on 1300 792 001 (within Australia) or +61 2 8907 5079 (from overseas) to discuss the options available to you.