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.

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.

Rental vehicle insurance excess

Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

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.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)

Compare all travel insurance policies

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for the UK

Follow these precautions to stay safe and healthy on your trip to the UK:

Petty crime

Beware of pickpockets in tourist areas, at restaurants and bars, and on transport; and take care when using ATM and credit cards.

Health system

While Australia and the UK have a reciprocal health care agreement, it does not cover all medical conditions.

Weather

Floods and snow storms are not uncommon in the UK. Watch for weather warnings to avoid disruptions to your trip.

UK security risks

Due to the conflicts in Iraq and Syria, among other things, there’s a raised threat of terrorist attack in the UK. 

Be alert to the danger, report any suspicious behaviour, and monitor official warnings.

Do I need extra coverage for
snow sports?

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:

Organise your travel documents,

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.

Locate the Australian Embassy,

Locate the Australian high commission

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

Ensure you are covered,Ensure you are covered

Ensure you're covered

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

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.

These include hospitals, medical centres, air ambulance providers, and air charter companies.

Read more about overseas medical and emergency assistance

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.

How to make a claim

If your trip didn't go entirely to plan and you need to make a claim, we're here to help. Make a claim on your Budget Direct travel insurance policy.

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.

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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.

See the list of covered 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.

Get a travel insurance quote online