India is a world in itself, with stunning landscapes, a relentless cultural spirit and enthralling urban centres. 

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 India (below).

India travel guide: everything you need to know

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.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)

Compare all travel insurance policies

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for India

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

Mosquito-borne diseases

Use insect repellent and mosquito nets to avoid nasty bites that can lead to Malaria and Dengue fever.

Food poisoning

Drink bottled water and dine in established restaurants to avoid dangerous strains of bacteria in the local food and drinking water.

Know the rules — there are heavy penalties for breaking Indian laws.

Petty theft

Petty theft is common in crowded areas — carry only what you need and pay close attention to your belongings.

India security risks

Smartraveller.gov.au recommends Australians travelling to India exercise a high degree of caution because of the threat of civil unrest and terrorist attack.

They also advise you to watch out for scams (e.g. ATM and credit card skimming). If you’re a victim, report the scam to the police and ask them for a report to support any claim you make.

Am I covered for riding scooters
and motorbikes in India?

Budget Direct policyholders can be covered for claims arising from two- and three-wheeled motor vehicles, as long as:

As the driver or passenger:

  • you wear a helmet (irrespective of the law of the country you’re in)

As the driver:

  • you hold a licence appropriate for the country you’re in 
  • if using a motorcycle rated 125cc or higher, you hold a licence for driving the equivalent-rated motorcycle in Australia.

What to do before you leave for India

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

Get Vaccinated

Get
vaccinated

Make sure you’re up to date with your routine vaccinations. And ask your doctor whether there are other diseases in India you need to vaccinate yourself against. 
Read more about vaccinations and preventative health

Locate the Australian Consulate,

Locate the Australian high commission

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

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

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 about overseas medical and emergency assistance

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.

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 Budget Direct travel insurance policy.

Frequently asked questions

Does travel insurance cover medical and hospital expenses?

All four of Budget Direct’s international travel insurance policies – Comprehensive, Essential, Last Minute, and Annual Multi-Trip – include an unlimited amount for overseas medical and hospital expenses, including:

  • ambulance and emergency medical, surgical and hospital costs
  • cost of your return to Australia earlier than planned if this is medically necessary and we authorise it
  • if you cannot return to Australia as you originally planned and if it is medically necessary and we authorise it, we will pay for reasonable travel and accommodation expenses:
    • to allow you to return to Australia, and
    • for someone to stay with you and travel home with you, or
    • for one relative or friend to travel from Australia to stay with you and travel home with you
  • cost of returning your body or ashes to Australia (up to $20,000) or cost of a funeral and burial in the country in which you die (up to $10,000).

This cover excludes any claims arising from pre-existing medical conditions (other than the 27 we cover).

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than A$500 to treat, you (or someone else on your behalf) must call us as soon as possible.

Our Domestic policy does not include cover for medical and hospital expenses, as these expenses are already claimable in Australia from Medicare and/or your private health fund.

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 lost or stolen credit cards?

Yes – Budget Direct can pay you up to $5,000 (Comprehensive, Annual Multi-Trip) or $2,500 (Essential) to replace your lost, stolen or damaged credits cards (does not apply to Last Minute and Domestic cover).

This cover applies only to cards either carried with you or locked in a safety deposit facility.

Unauthorised use of your credit (or debit) card is not covered.

(This cover also applies to your passport, visas, travel money cards and traveller’s cheques; our Last Minute and Domestic policies do not include cover for these items.)

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 cancelled flights?

All Budget Direct travel insurance policies except Last Minute can cover the cost of your pre-booked flights if you’re forced to cancel your trip before it begins due an insured event (e.g. an unforeseen illness or injury).

Keep in mind we do not cover the cost of flights cancelled due to an event within the airline’s control (e.g. crew shortage, delayed inbound flight).

Instead, the airline may rebook you on the next available flight to the same destination; or give you a refund.

Read more about travel insurance and missed flights

Get a travel insurance quote online