Compare our travel insurance policies

The following benefit limits are the maximum amounts we’ll pay each insured person for each event their claim relates to.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, upon acceptance of their claim we’ll pay them up to $7,500 each (minus their excesses of $200 each).

Terms, conditions, limits and exclusions apply. For full details, please read the product disclosure statement.

Benefits, features and excesses

Included benefits
Optional benefits
Other features
Excesses
Included benefits Comprehensive Essential Last Minute Domestic Annual Multi-Trip
Cancellation and amendment fees Unlimited Up to $12,500 No Up to $10,000 Unlimited
Overseas medical and hospital expenses Unlimited Unlimited Unlimited No Unlimited
Hospital cash allowance $75 per completed 24 hours, up to a total of $2,500 $75 per completed 24 hours, up to a total of $1,000 No No $75 per completed 24 hours, up to a total of $2,500
Cutting your trip short Unlimited Up to $12,500 No Up to $7,500 Unlimited
Additional expenses Up to $40,000 Up to $12,500 Up to $5,000 Up to $5,000 Up to $40,000
Resumption of journey Up to $3,000 No No No Up to $3,000
Travel delay expenses $100 per completed 12 hours, up to a total of $2,000 $50 per completed 12 hours, up to a total of $1,000 No $50 per completed 12 hours, up to a total of $1,000 $100 per completed 12 hours, up to a total of $2,000
Luggage and personal effects
Sub-limits apply
Up to $7,500 Up to $5,000 Up to $2,500 Up to $5,000 Up to $7,500
Delayed luggage allowance Up to $600 Up to $400 No Up to $250 Up to $600
Travel documents, credit cards and traveller’s cheques Up to $5,000 Up to $2,500 No No Up to $5,000
Theft of cash Up to $400 Up to $250 No Up to $250 Up to $400
Personal accident Up to $5,000, $20,000 or $40,000, depending on the event and/or insured person’s age Up to $30,000, depending on the event (excluding death)  No Up to $5,000 or $15,000, depending on the event and/or insured person’s age Up to $5,000, $20,000 or $40,000, depending on the event and/or insured person’s age
Personal liability Up to $5,000,000 Up to $2,000,000 Up to $1,000,000 Up to $1,500,000 Up to $5,000,000
Rental vehicle insurance excess Up to $6,000 Up to $4,000 No Up to $4,000 Up to $6,000
Loss of income Up to $400 per week, up to a total of $10,400 No No No Up to $400 per week, up to a total of $10,400
Alternative transport expenses Up to $5,000 Up to $2,500 No Up to $2,500 Up to $5,000
Hijack Up to $1,500 No No No Up to $1,500
Pet care Up to $500 No No No Up to $500
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Luggage and Personal Effects: Benefit sub-limits

The following benefit sub-limits apply to your items of luggage and personal effects.

Get more cover for your luggage and personal effects

Luggage and personal effects

Comprehensive

Essential

Last Minute

Domestic

Annual Multi-Trip

Total

Up to $7,500

Up to $5,000

Up to $2,500

Up to $5,000

Up to $7,500

Sub-limits

Per item/pair or set of items

Up to $750

Up to $500

Up to $500

(non-valuables only)

Up to $500

Up to $750

Valuables – laptops, tablets, cameras, video cameras, and mobile phones

Up to a combined total of $3,000

Up to a combined total of $2,000

Up to a combined total of $2,000

Up to a combined total of $3,000

Valuables – other  Up to a combined total of $750 Up to a combined total of $500 Up to a combined total of $500 Up to a combined total of $750

Property (including specified items) lost or stolen from an unattended motor vehicle

Up to a combined total of $500

Up to a combined total of $500

Up to a combined total of $500

Up to a combined total of $500

Up to a combined total of $500

 

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Travel Insurance Solved for your luggage and personal effects

With our Comprehensive or Annual Multi-Trip policies, you can, for an additional premium, choose to insure an item (or pair or set of items) for more than the standard benefit limit of $750 – by adding Additional Specified Items Cover to the policy.

This optional cover allows you to specify the item/s on your policy, with an individual description and value, up to a maximum of $4,000 per item and $6,000 in total.

You can add Additional Specified Items Cover when you get a quote and buy a policy.

If you’ve already purchased a policy, you can add Additional Specified Items Cover by calling us on 1800 444 424 or logging into your online account and editing your policy – before you depart on your trip and within 14 days of the purchase date.

Note that, if you have an Annual Multi-Trip policy, you must specify your item/s for each individual trip that you require the additional cover.

For an additional premium, you can add one or more of the following optional benefits to your policy:

Optional benefits

Comprehensive

Essential

Last Minute

Domestic

Annual Multi-Trip

Additional Specified Items Cover

Yes

No

No

No

Yes

Excess reduction or waiver

Yes

Yes

Yes

Yes

Yes

Snow Sports Cover

Yes

Yes

Yes

Yes

Yes

Snow Sports Cover

Snow sports equipment

Up to $600 per single article, pair, or set, up to a total of $1,250

Up to $600 per single article, pair, or set, up to a total of $1,250

Up to $600 per single article, pair, or set, up to a total of $1,250

Up to $600 per single article, pair, or set, up to a total of $1,250

Up to $600 per single article, pair, or set, up to a total of $1,250

Snow sports equipment hire

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

Lift pass

Up to $500

Up to $500

Up to $500

Up to $500

Up to $500

Ski pack

$150 per 24 hours, up to a total of $600

$150 per 24 hours, up to a total of $600

$150 per 24 hours, up to a total of $600

$150 per 24 hours, up to a total of $600

$150 per 24 hours, up to a total of $600

Piste closure

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

$50 per 24 hours, up to a total of $500

Avalanche cover

Up to $600

Up to $600

Up to $600

Up to $600

Up to $600

 

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Other features

Comprehensive

Essential

Last Minute

Domestic

Annual Multi-Trip

24/7 emergency assistance hotline

Yes

Yes

Yes

No

Yes

Pre-existing medical conditions

Yes

Yes

Yes

Yes

Yes

Automatic cruise cover

Yes

Yes

Yes

Yes1

Yes

Existing customer online discount

20% 

20%

20%

20%

20%

 

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1 If you’re going on a cruise within Australian territorial waters and want to be covered for on-board medical expenses and evacuation, you’ll need to select ‘Australian Waters’ under ‘Pacific’ as your destination, and buy one of our international travel insurance policies: Comprehensive, Essential, Last Minute, or Annual Multi-Trip.

When claiming certain benefits, you are required to pay the first part of the claim – the ‘excess’.

The excess applies to each person claiming and each insured event their claim relates to.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, upon acceptance of their claim we’ll pay them up to $7,500 each – minus their excesses of $200 each (assuming they did not opt to get the excess reduced or removed).

Benefits

Comprehensive

Essential

Last Minute

Domestic

Annual Multi-Trip

Cancellation and amendment fees

$200

$200

No cover

$200

$200

Overseas medical and hospital expenses

$200

$200

$200

No cover

$200

Hospital cash allowance

$0

$0

No cover

No cover

$0

Cutting your trip short

$200

$200

No cover

$200

$200

Additional expenses

$200

$200

$200

$200

$200

Resumption of journey

$200

No cover

No cover

No cover

$200

Travel delay expenses

$0

$0

No cover

$0

$0

Luggage and personal effects

$200

$200

$200

$200

$200

Delayed luggage allowance

$0

$0

No cover

$0

$0

Travel documents, credit cards and travellers cheques

$0

$0

No cover

No cover

$0

Theft of cash

$200

$200

No cover

$200

$200

Personal accident

$0

$0

$0

$0

$0

Personal liability

$200

$200

$200

$200

$200

Rental vehicle insurance excess

$0

$0

No cover

$200

$0

Loss of income

$0

No cover

No cover

No cover

$0

Alternative transport expenses

$200

$200

No cover

$200

$200

Hijack

$0

No cover

No cover

No cover

$0

Pet care

$0

No cover

No cover

No cover

$0

Snow Sports Cover add-on

Snow sports equipment

$200

$200

$200

$200

$200

Snow sports equipment hire

$0

$0

$0

$0

$0

Lift pass

$200

$200

$200

$200

$200

Ski pack

$0

$0

$0

$0

$0

Piste closure

$0

$0

$0

$0

$0

Avalanche cover

$200

$200

$200

$200

$200

 

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Sports and activities

If you get injured or you injure someone else while participating in one of our covered sports or activities and you claim the ‘Personal accident’ and/or ‘Personal liability’ benefit (assuming the benefit applies to the particular sport or activity), you’ll be asked to pay an excess of between $200 (in most cases) and $500.

For more information, please see Part 9 of the product disclosure statement.

Paying the excess

In most cases, we’ll deduct the excess from the benefit payable to you – you won’t need to do a thing.

For example, if you have Comprehensive cover with a standard $200 excess and you make a $5,000 claim for cancellation of your trip, we’ll pay you $4,800 ($5,000 minus the $200 excess).

Reducing or removing your excess

For an additional premium, you can halve the standard excess to $100; or choose to have no excess.

You can add this optional extra to your policy when you get a quote and buy travel insurance (after purchasing your policy, you won’t be able to change your excess).

Note that, even if you opt to have your excess reduced or removed, the standard excess will still apply to medical expenses stemming from covered pre-existing medical conditions or covered sports or leisure activities.

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 lodge a claim, we’re here to help. Make a claim on your travel insurance policy.

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