Cancellations and delays
Cancellation fees and lost deposits on prepaid travel, accommodation, meals etc.; and travel delay expenses.
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.
Rental vehicle insurance excess
Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.
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.
Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)
Choose your cover
We offer four levels of international travel insurance and a domestic travel cover option. Choose one that suits you and your budget.
Upgrade your cover
For an additional premium, you can add one or more of the following optional extras to your policy:
Halve your excess from the standard $200 to $100; or choose to have no excess.
How do I add these optional extras to my policy?
You can add one or more of these optional extras when you get a quote and buy a policy.
If you’ve already bought a policy, you can add Snow Sports Cover and/or Additional Specified Items Cover only. To do this, call us on 1800 444 424 or log into your online account and edit your policy – before you leave on your trip and within 14 days of the purchase date.
Overseas medical and emergency assistance
Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.
These include hospitals, medical centres, air ambulance providers, and air charter companies.
Award-winning travel insurance
After comparing all the policies in their database, Finder awarded us their Best Travel Insurance — Comprehensive title in 2018 and 2019.
We also won a Mozo Experts Choice award in 2018 and 2019 for Exceptional Value Basic Travel Insurance (for our Last Minute policy).
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.
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.
How much does travel insurance cost?
The cost of travel insurance depends on a number of factors, including your:
- 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.
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