Canada Travel Insurance Solved™ with Budget Direct
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.
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.
Rental vehicle insurance excess
Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.
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.
Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)
Health and safety concerns for Canada
Follow these precautions to stay safe and healthy on your trip to Canada:
Look after your belongings in tourist areas and on public transport and don’t leave valuables in your hire car, especially in large cities.
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
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:
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).
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.
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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