Overseas medical and hospital expenses
Unlimited emergency medical and hospital expenses if you get sick or injured on your international trip (excluding pregnancy and childbirth).
Cancellation and amendment fees
Unlimited cost of 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).
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.
Upgrade your cover
For an additional premium, you can customise your Comprehensive travel insurance policy by adding one or more of the following optional extras to your policy:
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 purchased 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 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.
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).
Award-winning comprehensive travel insurance
After comparing all the policies in their database, Australia's largest comparison site, finder, awarded us their Best Travel Insurance (Comprehensive) title in 2018.
"Budget Direct’s comprehensive policy provides the highest level of cover among policies assessed for a range of benefits, including overseas medical expenses, lost luggage, cancellation, personal liability, travel delay and more."
— finder Awards 2018
Frequently asked questions
Who can get Budget Direct travel insurance?
You can get Budget Direct travel insurance if you meet these two conditions:
- You have the required residency or citizenship status, which is to say that:
- you are a citizen or permanent resident of Australia, or
- you are a non-permanent resident with a valid Medicare card, private health insurance or overseas student travel insurance in Australia.
- You fall under the maximum age limit (see table below):
|Maximum age||Type of cover|
Essential, Annual Multi-Trip, Last Minute
Note that you must purchase your travel insurance policy before you depart on your trip; and your trip must start in Australia.
How many people can be covered under one policy?
Up to 10 adults and 20 dependent children.
Do the benefit amount limits apply to each family member (or travelling party member) or to the family (or travelling party) as a whole?
The benefit amount limits are the most we’ll pay per insured person for 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, we’ll pay each of them up to $7,500 (minus their excesses of $200 each.)
If I make a claim, will I have to pay an excess?
It depends on the travel insurance benefit you’re claiming: the excess will be $200 or $0.
Roughly half the benefits attract an excess, half don’t.
For example, you’ll have to pay the first $200 of a ‘Cancellation and amendment fees’ claim, but no excess for a ‘Delayed luggage allowance’ claim.
Claims arising from a handful of covered sports and activities attract higher excesses, ranging from $250 to $500.
For an additional premium, you can reduce or remove your excess.
Which sports and activities do you cover?
Travel Insurance Knowledge Base
Your questions about insurance all
answered in one place.