Travel Insurance Solved® with Budget Direct

15%^ OFF

When you get a quote and buy a new policy online

Our most extensive international Travel Insurance policy can provide cover for our full list of benefits and entitles you to our maximum benefit limits.

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    Luggage and personal effects – Up to $10,000 (sub-limits apply)

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    $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses

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    Overseas dental expenses – Up to $2,000

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    Travel amendment or cancellation costs – Up to $10,000 (or the amount you choose) per policy

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    Rental vehicle excess – Up to $10,000

travel

15%^ OFF

When you get a quote and buy a new policy online

Our essential international travel policy provides cover for fundamental benefits and entitles you to generous benefit limits.

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    Luggage and personal effects – Up to $5,000 (sub-limits apply)

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    $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses

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    Overseas dental expenses – Up to $1,000

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    Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy

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    Rental vehicle excess – Up to $4,000

luggage

15%^ OFF

When you get a quote and buy a new policy online

Our basic level of cover for international travel provides cover for an $Unlimited* amount of overseas emergency medical and hospital expenses.

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    Luggage and personal effects – Up to $2,000 (sub-limits apply)

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    $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses

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    Overseas dental expenses – Up to $500

  • No

    Travel amendment or cancellation costs

  • No

    Rental vehicle excess

australia

15%^ OFF

When you get a quote and buy a new policy online

Our Domestic Travel Insurance policy covers you for your travel within Australia and includes cover for cancellation and amendment fees, and luggage and personal effects.

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    Luggage and personal effects – Up to $2,000 (sub-limits apply)

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    Travel amendment or cancellation costs – Up to $10,000 (or the amount you choose) per policy

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    Rental vehicle excess – Up to $10,000

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Travel Types

Not all travellers and trips are the same. Explore our range to find a travel insurance policy that's right for you.

snow-sport

Snow Sports

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cruise

Cruise

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Compare Our Travel Insurance Policies

Benefits

Comprehensive

Essential

Basic

Domestic

Annual Multi-Trip option

Travel amendment and cancellation costs^

Up to $10,000 (or the amount you choose) per policy

Up to $5,000 (or the amount you choose) per policy

Up to $10,000 (or the amount you choose) per policy

COVID-19 related medical expenses on your trip

$Unlimited*

$Unlimited*

$Unlimited*

Overseas medical expenses

$Unlimited*

$Unlimited*

$Unlimited*

Overseas dental expenses^

Up to $2,000

Up to $1,000

Up to $500

Luggage and personal effects^

Up to $10,000

Up to $5,000

Up to $2,000

Up to $5,000

Additional expenses

$Unlimited*

$Unlimited*

$Unlimited*

Up to $10,000

Additional expenses if diagnosed with COVID-19^^

Up to $2,500

Up to $2,500

Up to $2,500

Up to $2,500

Rental vehicle insurance excess

Up to $10,000

Up to $4,000

Up to $10,000

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

**Cover is available to buy via Options to vary cover. An additional premium applies.

^Limits, sub-limits, conditions and exclusions apply.

^^A special excess will apply.

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Cover Multiple Trips for Frequent Travellers

Our Comprehensive, Essential and Domestic Travel Insurance plans are available for you to buy as a Single Trip or Annual Multi-Trip policy. With an Annual Multi-Trip policy, you can choose a maximum trip duration and be covered for an unlimited number of trips within 12 months to your chosen destinations, up to the chosen maximum trip duration for each trip.

What's covered by Travel Insurance?

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    $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.

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    Overseas dental expenses^

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    Amendment or cancellation costs (such as non-refundable, prepaid travel or accommodation)^

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    Luggage and personal effects (such as your clothes, suitcase, phone, smart watch or laptop)^

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    Personal liability^

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    Activities including surfing, bungee jumping and zip lining

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    Some COVID-19 self-isolation expenses up to $2,500**^^

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    Amendment or cancellation costs due to COVID-19**^^

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    Optional cover variations such as for Adventure Activities and Snow Sports**^^

What's not covered by Travel Insurance?

  • No

    Mandatory quarantine or isolation order related to cross-area, border, region or territory travel

  • No

    Any medical, dental or hospital expenses in Australia

  • No

    Loss of luggage or personal effects left unattended in a public place

  • No

    Childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born

  • No

    Errors or omissions in your travel bookings

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

**Cover is available to buy via Options to vary cover. An additional premium applies.

^Limits, sub-limits, conditions and exclusions apply.

^^A special excess will apply.

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Benefits Included in Travel Insurance

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We cover $Unlimited* overseas medical expenses if you are diagnosed with COVID-19 during your trip. 

Additional expenses up to $2,500 are also covered during your trip if you're diagnosed with COVID-19 and required to self-isolate and incur additional transport and accommodation expenses. Cover is $unlimited* in the case where you require hospitalisation. 

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

For claims related to COVID-19, sub-limits and a special excess may apply.

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

cancel

Amendment or Cancellation Costs

We provide cover for costs associated with rescheduling your trip or cancelling your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel-related expenses so that you're not left out of pocket. 

Cover for rescheduling your trip is limited to the amount it would have cost to cancel your trip.

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

medical

Overseas Medical and Dental Expenses

If you need medical treatment overseas, you'll have $Unlimited* cover for emergency overseas hospital and medical expenses. 

We can also cover emergency dental expenses overseas up to a limit based on your policy. 

Domestic medical and dental expenses are not covered by travel insurance. For full details, please read the Combined FSG/PDS.

health

Pre-Existing Medical Conditions

You can still get travel insurance cover if you have a pre-existing medical condition. Budget Direct travel insurance covers a range of existing medical conditions automatically (subject to the criteria).   

For others, you can complete a health assessment at the same time you get your quote. If approved, an additional premium may apply.

Check the Combined FSG & PDS for more information about existing medical conditions and what the policy covers.

car-key-ring

Rental Vehicle Insurance Excess

If you rent a car while you're travelling and it’s damaged or stolen, you'll be covered for the lower of the rental vehicle excess or the repair costs for the vehicle, which you become liable to pay. 

This benefit is excluded from our Basic policy.

luggage

Luggage and Personal Effects

We can cover the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged (limits and sub-limits apply). 

Depreciation only applies to items more than 2 years old.

Personal Liability

Personal legal liability provides cover if you accidentally damage or lose someone else's property or injure someone else during your trip and as a result of your negligent act, you become unintentionally legally liable to pay compensation. 

For full details regarding Personal Liability cover, please read the Combined FSG/PDS. For example, there is no cover for personal liability claims arising from using a mechanically propelled vehicle such as a car or motorcycle.

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We cover a range of adventure activities when you're travelling including surfing, bungee jumping and zip lining. This means you can experience the activities you love, while you're travelling overseas or interstate.

Some adventure activities and snow sports may not be automatically included in the cover. Optional cover is available for certain adventure activities, snow sports and motorcycle/moped riding. 

Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.

cruise

If you're taking a cruise holiday, our Travel Insurance policies can cover you during your cruise overseas or outside Australian Coastal Waters with Cruise Cover available on our international Comprehensive, Essential and Basic plans.

With Cruise Cover, we cover $Unlimited* medical expenses and up to $2,000 in dental expenses when you receive treatment onboard a cruise ship outside Australia by or on the advice of a qualified medical practitioner. 

You'll also be covered for ship-to-shore emergency transportation, sea sickness cover, missed ports and shore excursions, and cabin confinement up to the specified policy limits.

Not all benefits apply to all levels of cover. 

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Overseas Medical Expenses and Emergency Assistance

With Budget Direct Travel Insurance Cover, you have 24/7 access to a network of doctors, nurses, case managers and travel agents.

Depending on your needs, we can help you:

  • Find a medical facility and monitor your medical care
  • Pay medical bills (if your claim is approved)
  • Keep travelling or get home
  • Deal with lost passports, travel documents and credit cards
  • Change your travel plans

Upgrade Your Travel Insurance Cover

For an additional premium, you can customise your Travel Insurance when you add one or more of the following optional covers to your policy:

snow-sport

There are two levels of Snow Sports Cover:

  1. Snow Sports cover includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.

  2. Snow Sports+ cover includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding as well as heli-skiing/boarding.

See the full list of snow sports included in Snow Sports and Snow Sports+ cover.

There are two levels of Adventure Cover:

  1. Adventure cover includes quad biking, sailing, water skiing and more.

  2. Adventure+ cover includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.

See the full list of activities included in Adventure and Adventure+ cover.

If you or your travelling companion are diagnosed with COVID-19 before your trip and can't travel, optional COVID-19 Amendment or Cancellation Costs can cover costs associated with rescheduling your trip or cancelling non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel related expenses of up to a limit based on your policy.^^ 

If you include the optional COVID-19 Amendment or Cancellation Costs cover on your policy and it is purchased within 21 days of your scheduled trip departure date, we will only cover the travel costs you paid for in the 48 hours before buying the policy and after buying the policy.

You’ll also receive Amendment or Cancellation Costs cover during your trip if you or your travelling companion are diagnosed with COVID-19 and your trip is cancelled.^^

Additional scenarios are also included. Please read the Combined FSG/PDS to learn more about what you'll be covered for.

This benefit is excluded from our Basic policy.

Increase Cancellation Cover

You can increase the amount of your cancellation cover to cover things like particularly expensive flights or luxury travel arrangements. Select an increased amount from the options available when you get a quote.

Typically, people look to choose an amount that will, in total, cover all prepaid travel tickets, hotels, tours or other travel-related expenses, that are non-refundable in any other way, for all travellers on the policy.

This benefit is excluded from our Basic policy.

Please note that COVID-19 Amendment or Cancellation Costs cover is available for you to buy as a separate option if you wish.^^

motorcycle

Motorcycle/Moped Riding Cover

With two levels of cover available, Motorcycle/Moped Riding covers riding a motorcycle or moped with an engine capacity of 250cc or less while Motorcycle/Moped Riding+ insures unlimited engine capacity. Conditions apply.

luggage

Increase Luggage Item Limit

You can increase your luggage item limit on your travel insurance policy if you're carrying a valuable item that you want to insure for more (maximum limits apply). Make sure you also have receipts or valuations of that item on hand.

^^A special excess will apply.

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

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 and wish to add any of these covers, call us on 1300 792 001 (within Australia) or +61 2 8907 5079 (from overseas) to discuss your options.

Get a Quote Online and Save 15%^

Get a quote online – it’s quick and easy. If you get a quote and buy a new Budget Direct Travel Insurance policy online, you’ll receive a 15%^ discount

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How to Make a Claim

If your trip didn't go entirely to plan and you need to make a claim on your Budget Direct Travel Insurance, we're here to help. Having your details, receipts and documents from the trip on hand can also make it easier to claim.

Make a Claim
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24/7 Claims

With Budget Direct, you can conveniently make a claim online at any time of the day or night, 365 days a year. 

Or you can call us at 1300 792 001 within Australia or +61 2 8907 5079 overseas.

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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, sub-limits and exclusions that apply, please read the Combined FSG/PDS for further details.

Are you ready to start planning your next big adventure? Check out our range of travel guides to make the most of your upcoming holiday.

Travel Insurance FAQs

It’s up to you exactly when to buy travel insurance. However, it should be purchased before your trip commences.

Otherwise, if you’ve left home and are already on your trip when buying the policy, your cover is subject to a 3-day no-cover period. This means the Period of Insurance will not commence until 3 days after the travel start date/policy issue date shown on your Certificate of Insurance.

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 non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel-related expenses if you’re forced to cancel your trip due to an insured event such as an unforeseen illness or injury.

Note: Our Basic Travel Insurance plan does not include the Amendment or Cancellation Costs benefit.

Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.

Budget Direct Travel Insurance covers:

●     Overseas medical expenses – $Unlimited cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of unforeseen emergency medical and hospital treatment overseas if you become sick, ill or injured.

●     Amendment or cancellation costs (up to the policy limit or cover chosen, whichever is the higher) – the cost of prepaid travel tickets, hotels, tours or other travel-related expenses which are non-refundable in case you’re forced to call off or reschedule your trip due to an insured event (such as an unforeseen illness or injury). Does not apply to the Basic plan.

●     Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged. Limits and sub-limits apply. Depreciation only applies to items more than 2 years old.

●     Additional expenses – additional transport and accommodation expenses if your trip is disrupted or cut short due to an insured event.

For full details, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS.

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

The cost of travel insurance depends on a number of factors, including your:

  • Area of travel - higher risk areas cost more 

  • Departure date and trip duration – the longer until you depart and the longer your trip duration, the higher the cost may be

  • Age – higher risk age groups cost more

  • Travel Insurance Plan – an international Comprehensive policy, which provides more cover, costs more than an international Essential or Basic policy or a Domestic policy

  • Excess – the higher the excess you choose, the lower the cost may be

  • Cruise cover – an additional premium applies

  • Cancellation cover – as an optional cover, you can choose your own level of cancellation cover and the more cancellation cover you require, the higher the cost may be

  • Cover for existing medical conditions and pregnancy (where available) – an additional premium may apply if a medical assessment is completed and we accept your cover

  • Upgrading to optional cover (where available) – an additional premium applies

Get a quote and see how much it would cost to insure your next trip.

All Budget Direct Travel Insurance includes cover for a range of sports and activities. Some adventure activities and snow sports may not be automatically included in the cover.

For other more adventurous activities, we have options for you: Adventure and Adventure+ Cover.

Adventurous spirits can obtain cover with our Adventure and Adventure+ Cover which help protect you against loss or injury while doing the adventure sports and activities that you love. Insure yourself and your travel companions against costly mishaps if you plan to take part in any adventure activities on your overseas holiday, or trip around Australia.

Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.