UK Travel Insurance Solved™ with Budget Direct
The United Kingdom (UK) — the mother country — is home to some of the most famous historical and cultural sights in Europe.
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 the UK (below).
Cancellations and delays
Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.
(Excluding epidemics, pandemics and infectious disease outbreaks; and Last Minute policy.)
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.
(Comprehensive, Essential and Annual Multi-Trip policies only.)
Rental vehicle insurance excess
Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.
(Excluding Last Minute policy.)
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.
Our four 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
Follow these precautions to stay safe and healthy on your trip to the UK:
Beware of pickpockets in tourist areas, at restaurants and bars, and on transport; and take care when using ATM and credit cards.
While Australia and the UK have a reciprocal health care agreement, it does not cover all medical conditions.
Floods and snow storms are not uncommon in the UK. Watch for weather warnings to avoid disruptions to your trip.
UK security risks
The Australian Government’s Smartraveller website rates the security situation in different countries to help travellers determine where and when to travel overseas.
You should follow the government’s advice on how to behave or respond to the threats you could face in the United Kingdom.
Do I need extra coverage for
Yes — to be covered for costly mishaps while skiing, snowboarding and/or ice-skating, you need to add optional Snow Sports Cover to your Budget Direct travel insurance policy.
What to do before you leave for The UK
Reduce the risk of being refused entry, detention or financial loss by following these steps before you depart:
Check your passport's expiry date
You’ll be denied entry to the UK unless your passport has six months validity from your return date to Australia.
Overseas medical and emergency assistance
With Budget Direct travel insurance, you get 24/7 access to a worldwide network of 75,000+ medical and emergency assistance providers.
These include multilingual medical and travel specialists, air ambulances and hospitals. Depending on your needs, we can:
- direct you to suitable medical facilities
- help coordinate your evacuation and repatriation
- provide assistance if your luggage, travel documents, credit cards or other valuables are lost or stolen.
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.
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?
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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