Whether you’re an outdoor enthusiast or a lover of cities, Canada’s expansive landscape offers the best of both worlds.

Holidays can go wrong, though. Which is why the Australian Government recommends travellers get insurance (it’s “as important as a passport”).

As well as getting cover, you may wish to read our health and safety tips for Aussies travelling to Canada (below).

Cancellations and delays

Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.

(Excluding epidemics, pandemics and infectious disease outbreaks; and Last Minute policy.)

Overseas medical and hospital expenses*

Unlimited amount for emergency overseas medical and hospital expenses.

(Excluding pregnancy and childbirth.)

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

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.

(Comprehensive, Essential and Annual Multi-Trip policies only.)

Rental vehicle insurance excess

Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

(Excluding Last Minute policy.)

Luggage and personal effects*

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.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters.

(Our Domestic policy does not cover cruises.)

Not all benefits apply to all levels of cover.
Terms, conditions, limits, *sub-limits and exclusions apply.
For full details, please read the Product Disclosure Statement (PDS).

Health and safety concerns for Canada

Follow these precautions to stay safe and healthy on your trip to Canada:

Petty crime

Look after your belongings in tourist areas and on public transport and don’t leave valuables in your hire car, especially in large cities.

Health system

To receive health care quickly and easily, you may need to provide proof of purchase of your travel insurance.


Bears and other dangerous wildlife live in forested areas, so get local advice before hiking.

Dangerous driving conditions

If you’re travelling around Canada by car in winter, drive to the conditions and carry an emergency kit.

Black ice is common on Canadian roads when the temperature drops to freezing, so find out how to drive on it.

While studded tyres and snow chains are helpful in heavy snow, they are virtually useless on black ice.

Do I need extra cover for
snow sports?

Yes — to be covered for costly mishaps while skiing, snowboarding and/or ice-skating, you need to add optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for Canada

Reduce the risk of missed flights, detention or financial loss by following these steps before you depart:

Organise your travel documents,

Check your flight details

Confirm your departure time (if your airline moves the time forward and you miss your flight, your losses may not be covered by travel insurance).

Locate the Australian Embassy,

Locate the Australian high commission

Know how to contact the Australian High Commission in Ottawa, in case you end up in a sticky situation.

Ensure you are covered,Ensure you are covered

Ensure you're covered

Make sure your travel insurance is adequate and you’re aware of the policy’s limits and exclusions.

Overseas medical and emergency assistance

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

These include multilingual medical and travel specialists, air ambulances and hospitals. Depending on your needs, we can:

  • direct you to suitable medical facilities
  • help coordinate your evacuation and repatriation
  • provide assistance if your luggage, travel documents, credit cards or other valuables are lost or stolen.

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.

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.

Read more about ski travel insurance

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.

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.

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.)

Get a travel insurance quote online