Travel Insurance India

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.

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.

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.)

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).

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