get more with Budget Direct Travel Insurance

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, tours, accommodation and meals; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited cover for your emergency medical and hospital treatment if you suffer an illness or injury.
Excludes Pregnancy Cover*

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and travellers’ cheques

Cover for your lost or stolen passport, visas, credit cards, travel money cards and travellers’ cheques.

Rental vehicle insurance excess

Cover for your hire-car excess if the vehicle is damaged or stolen.

Luggage and personal effects

Cover for your damaged, stolen or lost luggage and personal effects.

Personal liability cover

Up to $5 million of legal liability cover in case you accidentally injure someone else or damage or lose their property.

Cruise cover

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

*Pregnancy and childbirth or related complications are not covered.

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.

Comprehensive Travel Insurance

Comprehensive Travel Insurance

Our most substantial insurance, covering you for our full list of insured events and entitling you to our maximum payout limits.
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Essential Travel Insurance

Essential Travel Insurance

A critical level of protection at a lower price, featuring the most essential benefits.
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Last Minute Travel Insurance

Last Minute Travel Insurance

A basic level of cover at our lowest price, including unlimited cover for overseas medical and hospital expenses.
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Annual Multi-Trip Insurance

Annual Multi-Trip Insurance

Provides comprehensive cover for an unlimited number of overseas trips of up to 30 days each you take within 12 months.
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Domestic Travel Insurance

Domestic Travel Insurance

Cover for your travel within Australia, including cancellation of your trip, luggage and personal effects.
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Compare Policy Benefits

Compare before you buy and get 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:

Snow Sports Cover

Insures you for snow sports equipment, lift passes, ski packs, piste closures and avalanches.
Read more

Additional Specified Items Cover

Increase your level of cover for your valuables – including cameras, smartphones, portable electronic equipment, and jewellery – by specifying, or listing, them in your policy (Comprehensive and Annual Multi-Trip policies only).

Excess reduction or waiver

Halve your excess from the standard $200 to $100; or get it waived and pay 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 one, you can add Snow Sports Cover and/or Additional Specified Items Cover to your policy, either by contacting us or logging into your online account and editing your policy – before you depart on your trip and no later than 14 days after your purchase date (the cooling-off period).

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a global assistance network of medical practitioners and emergency assistance providers 24 hours a day, seven days a week.

These include multilingual medical and travel specialists, including 500 doctors in 34 countries, who can provide help if you experience a medical emergency while overseas; and, if necessary, coordinate your evacuation or repatriation.

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.

How to make a claim

If your trip didn’t go entirely to plan and you need to lodge a claim, we’re here to help.

Within Australia   1800 789 924
From Overseas   +61 7 3360 7735
Mon-Fri 8am - 7pm (AEST), Emergency assistance available 24/7

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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