What’s covered by travel insurance?
Cancellations and delays
Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.
(Excluding epidemics, pandemics and infectious disease outbreaks; and Last Minute policy.)
Overseas medical and hospital expenses
Unlimited amount for emergency overseas medical and hospital expenses.
(Excluding pregnancy and childbirth.)
Pre-existing medical conditions
Cover for 27 pre-existing medical conditions.
Travel documents, credit cards and travellers cheques
Replacement passport, visas, travel money cards, travellers cheques and credit cards if they're lost, stolen or damaged.
(Comprehensive, Essential and Annual Multi-Trip policies only.)
Rental vehicle insurance excess
Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.
(Excluding Last Minute policy.)
Luggage and personal effects
Cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.
Personal liability cover
Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.
Cruise cover
Our four international travel insurance policies cover cruises, including those within Australian waters.
(Our Domestic policy does not cover cruises.)
Not all benefits apply to all levels of cover.
Terms, conditions, limits and exclusions apply.
For full details, please read the Product Disclosure Statement (PDS).
Choose your cover
Comprehensive Travel Insurance
Our most extensive policy. Covers you for our full list of benefits and entitles you to our maximum benefit amounts.
- Overseas medical and hospital expenses – Unlimited amount
- Cancellation and amendment fees – Unlimited amount
- Luggage and personal effects – Up to $7,500
- Additional expenses – Up to $40,000
Essential Travel Insurance
A critical level of protection at a cheaper price. Provides you with essential benefits and entitles you to generous benefit amounts.
- Overseas medical and hospital expenses – Unlimited amount
- Cancellation and amendment fees – Up to $12,500
- Luggage and personal effects – Up to $5,000
- Additional expenses – Up to $12,500
Last Minute Travel Insurance
A basic level of cover at our cheapest price. Includes an unlimited amount of overseas emergency medical and hospital expenses.
- Overseas medical and hospital expenses – Unlimited amount
- Cancellation and amendment fees
- Luggage and personal effects – Up to $2,500
- Additional expenses – Up to $5,000
Annual Multi-Trip Insurance
A comprehensive level of insurance for frequent travellers. Covers an unlimited number of up-to-30-days overseas trips you take within 12 months.
- Overseas medical and hospital expenses – Unlimited amount
- Cancellation and amendment fees – Unlimited amount
- Luggage and personal effects – Up to $7,500
- Additional expenses – Up to $40,000
Domestic Travel Insurance
Insurance for your travel within Australia. Includes cover for cancellation and amendment fees, and luggage and personal effects.
- Cancellation and amendment fees – Up to $10,000
- Luggage and personal effects – Up to $5,000
- Additional expenses – Up to $5,000
- Rental vehicle insurance excess – Up to $4,000
Compare all cover
Compare before you buy and choose the travel insurance that’s right for you.
Overseas medical and emergency assistance
With Budget Direct travel insurance, you get 24/7 access to a worldwide network of 75,000+ medical and emergency assistance providers.
These include multilingual medical and travel specialists, air ambulances and hospitals. Depending on your needs, we can:
- direct you to suitable medical facilities
- help coordinate your evacuation and repatriation
- provide assistance if your luggage, travel documents, credit cards or other valuables are lost or stolen.
Find out more
The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.
Make a claim
If your trip didn’t go entirely to plan and you need to make a claim, we’re here to help.
Frequently asked questions
When should I buy travel insurance?
It’s up to you exactly when to buy travel insurance, however it must be purchased before your trip commences.
By getting Budget Direct travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).
(This is unless you have a Last Minute policy, which does not include cancellation cover.)
If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of up-to-30-days trips you take within 12 months to your chosen destination/s.
Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you will need to contact us or log into your online account and edit your policy.
Can I get travel insurance if I have a pre-existing medical condition?
Budget Direct travel insurance covers 27 pre-existing health conditions.
See the list of covered pre-existing health conditions.
If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.
What does travel insurance cover?
Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.
Among the most important benefits provided by Budget Direct travel insurance are:
- Overseas medical and hospital expenses – an unlimited amount for the cost of unforeseen emergency medical and hospital treatment overseas (excluding pregnancy and childbirth). Read more
- Cancellation and amendment fees – the cost of pre-paid travel, accommodation, etc. in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury). (Does not apply to Last Minute cover.) Read more
- Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).
- Additional expenses – extra travel, accommodation and meals expenses – over and above what you budgeted for – if your trip is disrupted or cut short due to an insured event.
For full details, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement.
See all Budget Direct travel insurance benefits and features
How much does travel insurance cost?
The cost of travel insurance depends on a number of factors, including your:
- age
- travel destination/s
- trip duration
- type of cover, including any optional extras you add to your policy.
Get a quote now to see how much it would cost to insure your next trip.
Which sports and activities does travel insurance cover?
Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.
Travel insurance resources
Average Holiday Cost Statistics 2019
