Travel Insurance: Compare our travel benefit limits
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).
Not all benefits apply to all levels of cover.
Terms, conditions, limits and exclusions apply.
For full details, please read the Product Disclosure Statement.
Benefits, features and 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 |
| Quote Now | Quote Now | Quote Now | Quote Now | Quote Now |
Luggage and personal effects: Benefit sub-limits
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 |
Increase the cover 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 contacting us 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 |
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% |
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 |
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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