Travel Insurance UK

Off to the United Kingdom? Consider insuring your trip with Budget Direct Travel Insurance. Our coverage includes overseas medical and hospital expenses, luggage and personal effects, and cancellations and delays. For full details on all the benefits and terms and conditions of the cover, please see the PDS.

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Travel Insurance for UK Holidays

The United Kingdom is home to some of the most famous historical and cultural sights in the world, making it an incredible place for a holiday.

Holidays can go wrong, though. This is why the Australian Government recommends travellers get travel insurance no matter where they are travelling, including the UK (it’s “as important as a passport”) to ensure you have overseas medical cover and more.

As well as getting travel cover, you might want to read our health and safety tips for Aussies travelling to the UK.

What's Covered by UK Travel Insurance?

$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
Overseas dental expensesΔ
Amendment or cancellation costs (such as non-refundable, prepaid travel or accommodation)Δ
Luggage and personal effects (such as your clothes, suitcase, phone, smart watch or laptop)Δ
Personal liabilityΔ
Activities including surfing, bungee jumping and zip lining
Some COVID-19 self-isolation expenses up to $5,000**
Amendment or cancellation costs due to COVID-19**
Optional cover variations such as Adventure Activities and Snow Sports**

What's Not Covered by UK Travel Insurance?

No
Mandatory quarantine or isolation order related to cross area, border, region or territory travel
No
Any medical, dental or hospital expenses in Australia
No
Loss of luggage or personal effects left unattended in a public place
No
Childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born
No
Errors or omissions in your travel bookings

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*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
**Cover is available to buy via Options to vary cover. An additional premium applies.
ΔLimits, sub-limits, conditions and exclusions apply.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Choose Your UK Travel Insurance Policy

Comprehensive Travel Insurance

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When you get a quote and buy a new policy online

Our most extensive international Travel Insurance policy can provide cover for our full list of benefits and entitles you to our maximum benefit limits.

Luggage and personal effects – Up to $10,000 (sub-limits apply)
$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
Overseas dental expenses – Up to $2,000
Travel amendment or cancellation costs – Up to $10,000 (or the amount you choose) per policy
Rental vehicle excess – Up to $10,000

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Essential Travel Insurance

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When you get a quote and buy a new policy online

Our essential international travel policy provides cover for fundamental benefits and entitles you to generous benefit limits.

Luggage and personal effects – Up to $5,000 (sub-limits apply)
$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
Overseas dental expenses – Up to $1,000
Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
Rental vehicle excess – Up to $4,000

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Basic Travel Insurance

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Our basic level of cover for international travel provides cover for an $Unlimited* amount of overseas emergency medical and hospital expenses.

Luggage and personal effects – Up to $2,000 (sub-limits apply)
$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
No
Travel amendment or cancellation costs
No
Rental vehicle excess

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*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.

Health and Safety Concerns for the UK

Following these precautions can help you stay safe and healthy on your trip to the UK:

Petty Crime

Beware of pickpockets in tourist areas, including at restaurants and bars and on public transport. You should also take care when using ATMs by concealing your PIN and checking your bank statements.

Medical Treatment

Australia and the UK have a reciprocal healthcare agreement that makes some medical treatments free for short-term visitors. But it’s important to be aware that if you fall ill, not all conditions or medical costs are covered.

Weather

Floods and snow storms are common in the UK. Watch for weather warnings to avoid disruptions while on your trip.

Explore our UK Travel Guide

Travel Insurance for Rental Vehicles in the UK

If you rent a car while you're travelling and it is damaged or stolen, you'll be covered for the lower rental vehicle excess or the repair costs for the vehicle up to the policy limit, which you become liable to pay (excluded from our Basic policy).

UK Security Risks

Follow the government's advice on how to behave or respond to possible threats you could face in the UK.

Visit Smartraveller.gov.au

What To Do Before You Visit the UK

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

Check Your Passport Expiry Date

You'll be denied entry to the UK unless your passport has six months of validity from your return date to Australia.

Locate the Australian High Commission

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

Consider Travel Insurance for the UK

Make sure your travel insurance policy is adequate and you're aware of the policy's limits and exclusions.

Compare Travel Insurance

Compare all Budget Direct Travel Insurance before you buy and get the cover you want.

Compare All Travel Insurance Policies

Overseas Medical Expenses and Emergency Assistance

With Budget Direct Travel Insurance Cover, you have 24/7 access to a network of doctors, nurses, case managers and travel agents.

Depending on your needs, we can help you:

Find a medical facility and monitor your medical care
Pay medical bills (if your claim is approved)
Keep travelling or get home
Deal with lost passports, travel documents and credit cards
Change your travel plans

Get a Quote Online and Save 15%^{^}

Get a quote online – it’s quick and easy. If you get a quote and buy a new Budget Direct Travel Insurance policy online, you’ll receive a 15%^{^} discount

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How to Make a Claim

If your trip didn't go entirely to plan and you need to make a claim on your Budget Direct Travel Insurance, we're here to help. Having your details, receipts and documents from the trip on hand can also make it easier to claim.

Make a Claim

24/7 Claims

With Budget Direct, you can conveniently make a claim online at any time of the day or night, 365 days a year.

Or you can call us at 1300 792 001 within Australia or +61 2 8907 5079 overseas.

Find Out More

The information on this page is a summary only. For more details about Budget Direct Travel Insurance, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS for further details.

Travel Insurance UK FAQs

Does travel insurance cover medical and hospital expenses overseas?

Yes, all of Budget Direct’s international Travel Insurance plans – Comprehensive, Essential and Basic – include an $Unlimited* cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses for coverable conditions including:

Emergency medical treatment
Ambulance transportation
Surgery and hospital costs
Emergency repatriation/evacuation

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured. There is no cover for any medical, dental or hospital expenses in Australia.

Does travel insurance cover mobile phones?

Yes, all Budget Direct Travel Insurance policies include cover for mobile phones. We can cover the cost of repairing, helping replace or reimbursing you for your mobile phone if it’s lost, stolen or damaged during your period of insurance (conditions, limits and sub-limits apply). Depreciation only applies to items more than 2 years old.

For more details, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS.

When should I buy travel insurance?

It’s up to you exactly when to buy travel insurance. However, it should be purchased before your trip commences.

Otherwise, if you’ve left home and are already on your trip when buying the policy, your cover is subject to a 3-day no-cover period. This means the Period of Insurance will not commence until 3 days after the travel start date/policy issue date shown on your Certificate of Insurance.

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 non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel-related expenses if you’re forced to cancel your trip due to an insured event such as an unforeseen illness or injury.

Note: Our Basic Travel Insurance plan does not include the Amendment or Cancellation Costs benefit.

Can I get travel insurance if I have an existing medical condition?

Yes, you can still get Travel Insurance cover if you have an existing medical condition. Budget Direct Travel Insurance covers a range of existing medical conditions automatically (subject to the criteria).

For other existing medical conditions, you can complete a health assessment at the same time you get your quote. If approved, an additional premium may apply.

Check the Combined FSG/PDS for more information about existing medical conditions and what the policy covers.

Does travel insurance cover lost or stolen credit cards?

Yes, we can pay you for the cost of replacing travel documents and credit cards lost or stolen on your trip. We can also pay for your legal liability arising from the illegal use of your credit cards. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.

With Budget Direct Travel Insurance Cover, you have 24/7 access to a network of case managers and travel agents.

Depending on your needs, we can help you deal with lost passports, travel documents and credit cards. If you need assistance in contacting the issuer of the document or card, our emergency assistance team can help.