India Travel Insurance Solved with Budget Direct
India is a vibrant country of exquisite natural beauty and cultural opulence. You could travel for months from one vibrant city to a rural village—and everywhere in between—and still not be able to explore all of the sacred sites, centuries-old majestic monuments, ancient religious ritual sites and extraordinary places.
India is a vast world in its own right, coloured by stunning landscapes, relentless cultural spirit and enthralling urban centres. Yet, among spectacular temples and romantic palaces, there exists poverty, slums and evidence of the diverse country’s glaring disparities. No traveller can afford to go to India unprepared.
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).
Common health and safety concerns for India
There are some important considerations you should take before travelling to India so you can focus more on relaxing and less on your health and safety.
Use insect repellent and mosquito nets to avoid nasty bites that can lead to Malaria and Dengue Fever.
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 seriously strict penalties for breaking the law in India.
Keep on top of security updates to ensure you aren’t travelling into hot territory.
India security risks
Smartraveller.gov.au recommends that Australians travelling to India should exercise a high degree of caution because of the possibility of civil unrest and threat of terrorist attack. They recommend keeping abreast of security updates, registering your travel plans and getting the right level of cover of travel insurance.
Am I covered for riding scooters
and motorbikes in India?
To be covered for claims on a two and three wheeled motor vehicle you must comply with the following conditions:
- As the driver or passenger you must wear a helmet (this is irrespective of the law of the country you are in)
As the Driver:
- You must hold a driving licence appropriate for the country you are in and
- If using a motorcycle rated 125cc or higher, you must hold a current and valid licence required for driving the equivalent rated motorcycle in Australia.
What to do before you leave for India
Here are some quick easy steps you can take now to make sure your trip goes exactly as planned with no unpleasant surprises!
Make sure you’ve had your Hepatitis A and Typhoid shots 4-8 weeks before you leave. Ask your doctor to prescribe Malaria tablets for your trip.
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 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 AUD$500 to treat, you (or someone else on your behalf) must contact 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.
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