UK Travel Insurance Solved with Budget Direct
The United Kingdom is home to some of the most famous historic and cultural sights in Europe. From Buckingham Palace to Westminster Abbey, the UK is sure to please avid fans of architecture. For those who prefer green rolling hills in the countryside or picturesque seaside towns complete with pebble beaches, the UK has an abundance of those as well.
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).
Health and safety concerns for The UK
To get the most out of your trip, get up to speed with these travelling tips.
By staying aware of your surroundings, hiding your valuables and carrying small amounts of cash, you’ll make yourself less of a target for thieves.
Australia and the UK share a reciprocal healthcare agreement although not all kinds of medical conditions are covered.
Rain, flooding and snow-storms are not uncommon in the UK. Severe weather conditions can disrupt travel plans, so be sure to keep abreast of any weather warnings.
UK security risks
The threat of terrorist attack in the UK is considered severe at the present moment. There have been a number of terrorist attacks in London in recent years, with the numerous attacks in 2017 pushing the threat level for the UK to critical. Make sure to keep up to date with security alerts for the areas you are planning to visit.
Can I get extra coverage for
If you intend to ski, snowboard and/or ice-skate on your overseas trip and want to be insured against any costly mishaps, you may want to consider adding optional Snow Sports Cover to your Budget Direct travel insurance policy.
What to do before you leave for The UK
The Uk is an amazing place to visit, get the necessary steps done now to remain worry-free.
Organise your travel documents
Keep your paperwork up to date. Your passport must have six months validity from your return date to Australia.
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 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.
When should I buy travel insurance?
It’s up to you exactly when to buy travel insurance, however it must be purchased before your trip commences.
By getting Budget Direct travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).
(This is unless you have a Last Minute policy, which does not include cancellation cover.)
If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of up-to-30-days trips you take within 12 months to your chosen destination/s.
Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you will need to contact us or log into your online account and edit your policy.
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).
Can I get travel insurance if I have a pre-existing medical condition?
Budget Direct travel insurance covers 27 pre-existing health conditions.
If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.
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