What’s covered by Comprehensive Travel Insurance?

Overseas medical and hospital expenses

Unlimited amount for overseas emergency medical and hospital expenses (excluding pregnancy and childbirth).

Cancellation and amendment fees

Unlimited amount for cancellation fees and lost deposits on pre-paid travel, accommodation, meals, etc. if your trip is cancelled due to an insured event.

Additional expenses

Extra travel, accommodation and meals 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 belongings if they get lost, stolen or damaged during your trip, up to $7,500 (sub-limits apply).

Cutting your trip short

Cost of pre-paid travel, accommodation, meals etc. if you have to return home early due to an insured event (e.g. a close relative in Australia 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 travellers cheques

Replacement passport, visas, travel money cards, travellers 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 add one or more of the following optional extras to your policy:

Snow Sports Cover

Insures you against loss or injury while skiing, snowboarding, ice-skating and more. Includes cover for the cost of snow sports equipment, lift passes and ski packs.
Read more

Additional Specified Items Cover

Increase the level of cover for your valuables (e.g. cameras, smartphones, jewellery) by specifying them in your policy.
Read more

Excess reduction or waiver

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 bought a policy, you can add Snow Sports 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 leave on your trip and within 14 days of the purchase date.

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.

These include hospitals, medical centres, air ambulance providers, and air charter companies.

Read more

Get a quote

Whether you want cover for just the basics or a policy with lots of bells and whistles, we’ve got a wide 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 all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS).

How to make a claim

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

Frequently asked questions

What does travel insurance cover?

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

Among the most important benefits provided by Budget Direct travel insurance are:

  • Overseas medical and hospital expenses – an unlimited amount for the cost of unforeseen emergency medical and hospital treatment overseas (excluding pregnancy and childbirth). Read more
  • Cancellation and amendment fees – the cost of pre-paid travel, accommodation, etc. in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury). (Does not apply to Last Minute cover.) Read more
  • Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).
  • Additional expenses – extra travel, accommodation and meals expenses – over and above what you budgeted for – if your trip is disrupted or cut short due to an insured event.

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

See all Budget Direct travel insurance benefits and features

Can I buy travel insurance after booking my flight?

Yes – you can buy a Budget Direct travel insurance policy after booking your flight – but it must be purchased before your trip commences.

By getting 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 pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

How much does travel insurance cost?

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

  • age
  • travel destination/s
  • trip duration
  • type of cover, including any optional extras you add to your policy.

Find out more and see how much it would cost to insure your next trip.

Do the benefit amount limits apply to each family member (or travelling party member) or the family (or travelling party) as a whole?

The benefit amount limits are the most we’ll pay each insured person per trip.

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

Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

Get a travel insurance quote online