Travelling is one of life’s great highlights, exposing us to new, exciting and enriching places, people and experiences. But it’s not without its financial and physical risks.
For example, you can lose your luggage, credit cards or passport, be forced to cancel or cut short your trip, or suffer an illness or injury and need expensive medical treatment overseas.
Whether you’re travelling internationally or in Australia, by air, sea or road, Budget Direct travel insurance has the cover to suit your needs and budget.
Depending on your level of cover, your benefits can include:
|Cancellation of your trip: Cover for your cancellation fees and lost deposits on your prepaid travel, accommodation, meals, tours and activities, and visas.||Yes|
|Overseas medical and hospital expenses: Unlimited cover for your emergency medical assistance and hospital treatment.||Yes|
|Luggage and personal effects: Up to $7,500 for your damaged, stolen or lost luggage and personal effects.||Yes|
|Travel documents, credit cards and travellers’ cheques: Up to $5,000 for your lost, stolen or damaged passport, visas, credit cards, travel money cards, and travellers’ cheques.||Yes|
|Rental vehicle insurance excess: Up to $6,000 for your rental car excess if the vehicle is damaged or stolen.||Yes|
|Travel delay expenses: Up to $2,000 if your journey home to Australia is delayed due to bad weather, a strike, industrial action or mechanical breakdown.||Yes|
|Personal liability: Up to $5,000,000 if you’re held legally liable for accidentally injuring someone else or damaging or losing their property.||Yes|
|Pre-existing medical conditions: Automatic cover for 27 pre-existing medical conditions. (If your pre-existing medical condition is not covered, you would still be covered for any unforeseen medical expenses not related to your condition.)||Yes|
|Free cover for accompanied children: Automatic cover for your children and grandchildren under 18 years of age who are travelling with you and/or are under full adult supervision during the trip.||Yes|
Choose your cover
We have five levels of travel insurance cover for you to choose from, according to your needs and budget:
Comprehensive Travel Insurance
Our most substantial insurance, covering you for our full list of insured events and entitling you to our maximum payout limits.
Essential Travel Insurance
A critical level of protection at a lower price, featuring the most essential benefits.
Last Minute Travel Insurance
A basic level of cover at our lowest price, including unlimited cover for any overseas medical and hospital expenses you incur.
Annual Multi-Trip Travel Insurance
If you’re a frequent traveller, our annual travel insurance policy provides comprehensive cover for an unlimited number of overseas trips you take within 12 months; the maximum duration for any one trip is 30 days.
Domestic Travel Insurance
Cover for your travel within Australia, including cover for cancellation of your trip, luggage and personal effects, and rental vehicle insurance excess.
Looking for international travel insurance? All of our policies, except Domestic Travel Insurance, provide cover for overseas trips.
Upgrade your cover
For an additional premium, you can customise your cover by adding one or more of these optional extras to your travel insurance policy:
Snow Sports Cover
If you intend to ski, snowboard or ice skate on your trip, you may wish to purchase this cover. It insures you for snow sports equipment, lift passes, ski packs, piste closures and avalanches.
Additional Specified Items Cover
If you’re travelling with expensive items valued at more than $750 each, you can increase your level of cover for those items (maximum of $4,000 per item and $6,000 in total) by listing them in your travel insurance policy (Comprehensive and Annual Multi-Trip policies only).
Excess reduction or waiver
Halve your excess from the standard $200 to $100; or get it waived and pay no excess.
Overseas medical and emergency assistance
With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical practitioners and emergency assistance providers.
These include multilingual medical and travel specialists, including 500 doctors in 34 countries, who can provide help if you experience a medical emergency while overseas.
What’s not covered
We do not cover certain situations and circumstances, including:
- failure to get relevant innoculations or vaccinations
- errors or omissions in your travel bookings
- incidents involving drugs or alcohol
- loss of luggage and personal effects left unattended
- countries listed as ‘Do not travel’ on the federal government’s Smartraveller website
- certain pre-existing medical conditions
- medical expenses incurred in Australia (which are already covered by Medicare or your private health insurer).
Find out more
The information on this page is a summary only. For more details about Budget Direct travel insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement.
Get a quote
Whether you’re after cheap travel insurance or a policy with all the bells and whistles, we’ve got a wide range of cover for you to choose from.
Get a travel insurance quote online in 30 seconds or give us a call on 1800 444 424.
How to make a claim
If your trip didn’t go entirely to plan and you need to lodge a claim, we’re here to help.
If you’re travelling overseas and need medical or emergency assistance, contact us at any time.
Frequently asked questions
What’s the maximum age limit for Budget Direct travel insurance?
100 years old (Comprehensive and Domestic cover); and 75 years old (Essential, Annual Multi-Trip, and Last Minute cover) at the date of application.
When should I get cover for my trip?
As soon as you you’ve booked and paid for some or all of your trip. That way, if you’re forced to cancel your trip, you’ll be covered (conditions apply to cancellations – please see the PDS for full details).
What documents can I expect to receive to confirm I’m insured?
Immediately after you’ve paid for your policy, we’ll email you:
- your insurance certificate, which will show your selected level of cover and travel destination/s
- a product disclosure statement, which tells you everything you need to know about your policy
- a link to register an online account so that you can manage your travel insurance policy at your convenience.
If you have any questions or concerns about your policy, please call us on 1800 444 424.
Do you cover pre-existing medical conditions?
Yes – we cover 27 pre-existing medical conditions. If your pre-existing medical condition is not covered, rest assured that you would still be covered for any unforeseen medical expenses not related to your condition.
What’s the maximum travel period I can get cover for?
Twelve months (single-trip policy). An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another policy).
I’m pregnant – can I get cover?
You can get cover for complications of pregnancy and childbirth (as opposed to common symptoms such as morning sickness and back pain). You can claim for:
- overseas medical and hospital fees (not applicable to Domestic Cover)
- cancellation and amendment fees, if:
- you fall pregnant after buying your travel insurance policy and you’ll be more than 32 weeks pregnant (or 26 weeks if you’re expecting more than one baby) at the start of, or during, your trip; or
- your doctor advises that you’re unfit to travel.
Do you offer travel insurance for cruises?
GENERAL EXCLUSION: Any claim resulting from you travelling in, to or through a country or area included on the list of Do Not Travel countries provided by the Australian Government through the Department of Foreign Affairs and Trade – www.smartraveller.gov.au or those countries subject to an embargo from the UN Security Council or from any other international organisation to which Australia belongs, as well as events occurring in any international conflicts or interventions involving the use of force or coercion.