Back-to-back winner (2018 and 2019) of Finder's Best Travel Insurance — Comprehensive title and Mozo's Experts Choice award for Exceptional Value Basic Travel Insurance.

finder Awards 2019 Winner, Best Travel Insurance (Comprehensive)
MOZO's Experts Choice 2019 - Exceptional Value Basic Travel Insurance

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth). 

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and traveller's cheques

Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Cover for any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cover for the 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

All four of our international travel insurance policies cover cruises, including those within Australian waters (our Domestic policy does not cover cruises).

Compare all travel insurance benefits, features and claim limits

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Choose your cover

Budget Direct Travel Insurance offers four levels of international travel insurance and a domestic travel cover option for you to choose from, according to your needs and budget.

Comprehensive Travel Insurance

Comprehensive Travel Insurance

Our most extensive policy, covering you for our full list of benefits and entitling you to our maximum benefit amounts.
Read more

Essential Travel Insurance

Essential Travel Insurance

A critical level of protection at a cheaper price, providing essential benefits and entitling you to generous benefit amounts.
Read more

Last Minute Travel Insurance

Last Minute Travel Insurance

A basic level of cover at our cheapest price, including overseas emergency medical, dental, surgical and hospital treatment and ambulance expenses.
Read more

Annual Multi-Trip Insurance

Annual Multi-Trip Insurance

A comprehensive level of insurance for frequent travellers, covering an unlimited number of up-to-30-days overseas trips you take within 12 months.
Read more

Domestic Travel Insurance

Domestic Travel Insurance

Cover for your travel within Australia, including cancellation and amendment fees, and luggage and personal effects.
Read more

Compare Policy Benefits

Compare before you buy and choose the travel insurance cover that’s right for you.
Comparison table

Upgrade your cover

For an additional premium, you can customise your travel insurance policy by adding one or more of the following optional extras to your policy:

Snow Sports Cover

Insures you against loss or injury while skiing, snowboarding, ice-skating and more, including the cost of snow sports equipment, lift passes and ski packs.
Read more

Additional Specified Items Cover

Increase the level of cover for your valuables – including cameras, smartphones, and jewellery – by specifying them in your policy (Comprehensive and Annual Multi-Trip policies only).
Read more

Excess reduction

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 purchased 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 depart on your trip and within 14 days of the purchase date.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

Award-winning travel insurance

After comparing all the policies in their database, Australia's largest comparison site, 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).

finder Awards 2019 Winner, Best Travel Insurance (Comprehensive)
MOZO's Experts Choice 2019 - Exceptional Value Basic Travel Insurance

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.

Get a quote now

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.

Get a quote and buy online to save 15%^