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 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.
All four of our international travel insurance policies cover cruises, including those within Australian waters (our Domestic policy does not cover cruises).
Choose your cover
We have four levels of international travel insurance and a domestic travel cover option for you to choose from, according to your needs and budget.
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:
Additional Specified Items Cover
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.
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.
We also won Mozo Experts Choice 2018 Exceptional Value travel awards in the ‘Basic’ category (for our Last Minute policy) and the ‘Annual’ category (for our Annual Multi-Trip policy).
Frequently asked questions
When should I get cover for my trip?
As soon as 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).
If you’re a frequent traveller with an annual travel insurance policy, you’re covered for an unlimited number of overseas trips of up to 30 days each in a 12-month period.
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 would need to contact us to get it added to your policy.
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 certificate of insurance, 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 the product
- a link to register an online account, so you can manage your travel insurance policy at your convenience, 24/7.
If you have any questions or concerns about your policy, please call us on 1800 444 424.
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).
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.
Do you provide cover for accidental death and disability?
Three of our five policies – Comprehensive, Annual Multi-Trip, and Domestic – provide a specified amount of cover for death and disability, while our Essential policy covers you for disability only. For more details, please read the product disclosure statement.
Note that travel insurance is not a substitute for life insurance, which can pay you or your beneficiaries a lump sum to meet your needs in the event you die or suffer a specified trauma or a total and permanent disability.
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