Canada Travel Insurance Solved with Budget Direct
Whether you’re an outdoor enthusiast or an urban aficionado Canada’s far-reaching geography offers tourists the best of all worlds. From cascading waterfalls, majestic national parks, bustling city centres and oceanside escapes, visitors of all interests and lifestyles will feel at home in any of Canada’s welcoming provinces.
Cancellations and delays
Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.
Overseas medical and hospital expenses
Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth).
Pre-existing medical conditions
Cover for 27 pre-existing medical conditions.
Travel documents, credit cards and traveller's cheques
Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.
Rental vehicle insurance excess
Cover for any hire-car excess you become liable to pay as a result of the car being damaged or stolen.
Luggage and personal effects
Cover for the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.
Personal liability cover
Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.
All four of our international travel insurance policies cover cruises, including those within Australian waters (our Domestic policy does not cover cruises).
Health and safety concerns for Canada
Don’t get caught unprepared, check out these handy hints for your travels in Canada.
By staying aware of your surroundings, dressing like a local and carrying small amounts of cash, you’ll make yourself less of a target for thieves.
Carry proof of purchase of your travel insurance on you to ensure quick and inexpensive health care. Australia does not share a reciprocal health care agreement with Canada.
Stay up to date on flying conditions, delayed travel can end up costing you money on hotels and pre planned activities at your destination.
Unfamiliar road rules
Make sure you stick to the right side of the road in your rental car! Travel insurance helps cover the excess in the event of any accidents.
Dangerous driving conditions
If you’ve decided the best way to travel around Canada is by car, then you’ll need to make sure you’re prepared for some challenging road conditions. Black ice is common on Canadian roads, combine that with heavy snow and rainfall and you have the makings of a perfect storm. Snow tyres and chains can be fitted to your car to navigate rough conditions and are especially important come winter.
Can I get extra coverage for
If you intend to ski, snowboard and/or ice-skate on your overseas trip and want to be insured against any costly mishaps, you may want to consider adding optional Snow Sports Cover to your Budget Direct travel insurance policy.
What to do before you leave for Canada
Being prepared is the key to success. By following this guide, your trip is sure to be a winner.
Organise your travel documents
Make sure your travel documents are all in order well in advance to prevent any issues entering or leaving Canada.
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.
Find out more
The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.
How to make a claim
Frequently asked questions
Does travel insurance cover skiing?
For an additional premium, you can add optional Snow Sports Cover to your Budget Direct international or domestic travel insurance policy.
Among other things, Snow Sports Cover can insure you for snow sports equipment, ski packs, lift hire, and piste closures.
Does travel insurance cover mobile phones?
Yes – all Budget Direct policies except Last Minute include cover for mobile phones.
For more details, including the terms, conditions, limits and exclusions that apply, please see the ‘Luggage and Personal Effects’ section of the product disclosure statement.
Can travel insurance be extended?
Yes – as long as you contact us at least two days before your single-trip policy expires, you can extend your cover – just once, and for a maximum total duration of 12 months (90 days for travellers aged 66 to 100).
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).
Does travel insurance cover rental / hire cars?
All Budget Direct’s travel insurance policies except Last Minute include cover for any rental-car insurance excess you become liable to pay.
The excess is the amount you’re required to pay towards a claim for any loss or damage to the rental car while it’s in your possession (it’s also known as a ‘damage liability fee’).
While it’s designed to limit your financial liability for the loss or damage, the excess can still be as much as several thousand dollars.
Our ‘Rental vehicle insurance excess’ benefit — ranging from up to $4,000 (Essential, Domestic) to up to $6,000 (Comprehensive, Annual Multi-Trip) — can cover most, if not all, of your liability.
(Even if you’re covered by us, you should still read your rental car agreement, so you’re aware of its terms and conditions and any exclusions.)
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