What’s covered?

Overseas medical and hospital expenses

Unlimited amount for emergency medical and hospital treatment if you get sick or injured on your international trip (excluding pregnancy and childbirth).

Cancellation and amendment fees

Unlimited amount for pre-paid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event (e.g. an unforeseen injury or illness).

Additional expenses

Extra accommodation, meals and travel expenses if your trip is disrupted or you have to return home early due to an insured event, up to $40,000.

Luggage and personal effects

Cost of repairing or replacing your jewellery, watch, camera, etc., if they get lost, stolen or damaged during your trip, up to $7,500 (sub-limits apply).

Cutting your trip short

Unlimited amount for pre-paid travel, accommodation, meals, tours and activities if you have to return home early due to an insured event (e.g. a close relative in Australia dies or is hospitalised unexpectedly).

Personal liability

Your legal liability for accidentally injuring someone else or damaging or losing someone else’s property during your trip, up to $5 million.

Resumption of journey

Cost of an airfare to return you to the international airport closest to where your original trip was cut short, up to $3,000.

Rental vehicle insurance excess

Any hire-car insurance excess you become liable to pay as a result of the car being damaged or stolen, up to $6,000.

Travel documents, credit cards and traveller’s cheques

Cost of replacing your passport, visas, travel money cards, traveller’s cheques, and credit cards if they’re lost, stolen or damaged, up to $5,000.

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Upgrade your cover

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

Snow Sports Cover

Insures you for loss or injury while skiing, snowboarding, ice-skating and more, including 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.
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

Get a quote

Whether you want cover for just the basics or a policy with lots of bells and whistles, we’ve got a big selection of travel insurance for you to pick from.

Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.

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 and exclusions that apply, please read the Product Disclosure Statement (PDS).

How to make a claim

If your trip didn’t go entirely to plan and you have to make a claim, we’re here to help. Make a claim on your travel insurance policy.

Award-winning annual travel insurance

After comparing 271 policies from 71 insurers, Mozo presented us with an Experts Choice 2018 Exceptional Value award in the 'Annual' travel insurance category, for our Annual Multi-Trip policy.

MOZO's Experts Choice 2018 - Exceptional Value Annual Travel Insurance

Frequently asked questions

Which overseas destinations does Budget Direct travel insurance cover?

The following table shows the regions and countries covered by Budget Direct travel insurance:

Includes American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea; and domestic cruises within Australian territorial waters.
Includes Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Myanmar, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, and Vietnam only.
Includes countries in Africa, Europe, Scandinavia, the Middle East, the Caribbean, and Russia.
Includes United States of America, Canada, Mexico, Central and South America and Antarctica (Antarctic cruises only).
Not covered
We do not cover travel to countries:
  • the Australian Government advises people not to travel to (i.e. countries rated ‘Level 4 – Do not travel’). To find out the risk rating of your destination/s, visit the federal government’s Smartraveller website.
  • subject to an embargo from the UN Security Council or any international organisation to which Australia belongs
  • involved in international conflicts or interventions involving the use of force or coercion.
What’s the longest amount of time I can get cover for one trip?

Twelve months for travellers aged 65 or under and 90 days for travellers aged between 66 and 100 (single-trip policy).

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

When should I buy cover for my trip?

It’s up to you exactly when to buy travel insurance, however it must be purchased before you depart on your trip.

By getting travel insurance as soon as you’ve booked and paid for some or all of your trip, you’ll be covered for your pre-paid travel, accommodation, meals, tours, etc., if you’re forced to cancel your trip due to an insured event (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-day 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.

How can I see my travel insurance policy details?

You can view and manage many of your travel insurance policy details through your online account.

(You can also see your policy details on the certificate of insurance that was emailed to you.)

What changes can I make to my policy?

After purchasing your Annual Multi-Trip policy, you can log into your online account and edit the following policy details:

Before you depart on your trip – and within 14 days of the purchase date:

  • travel destinations
  • departure and return dates
  • travellers on your policy
  • optional extras (you can add Snow Sports Cover and/or Additional Specified Items Cover to your policy).

After you’ve departed on your trip:

  • travel destinations
  • return date.

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