What’s covered?

Cancellation and amendment fees

Cost of pre-paid travel, accommodation, meals, tours and activities, if your trip is cancelled due to an insured event (e.g. an unforeseen injury or illness), up to $10,000.

Luggage and personal effects

Cost of repairing or replacing your jewellery, watch, camera, etc., if they get lost, stolen or damaged during your trip, up to $5,000 (sub-limits apply).

Rental vehicle insurance excess

Any hire-car insurance excess you become liable to pay as a result of the car being damaged or stolen, up to $4,000.

Personal liability

Your legal liability for accidentally injuring someone else or damaging or losing someone else’s property during your trip, up to $1.5 million.

Cutting your trip short

Cost of pre-paid travel, accommodation, meals, tours and activities if you have to return home early due to an insured event (e.g. a close relative dies or is hospitalised unexpectedly), up to $10,000.

Delayed luggage allowance

Cost of buying essential items if your baggage is delayed by an airline or transport company for more than 24 hours, up to $250.

Additional expenses

Extra accommodation, meals and travel expenses if your trip is disrupted or you have to return home early due to an insured event, up to $5,000.

Theft of cash

Cover for the cost of replacing your lost or stolen cash, up to $250.

Alternative transport expenses

Additional travel expenses to reach a planned event (e.g. a wedding or conference) you would otherwise miss as a result of your scheduled transport being cancelled, delayed, shortened or diverted, up to $2,500.

Terms, conditions, limits and exclusions apply. For full details, please read the product disclosure statement.

Upgrade your cover

For an additional premium, you can customise your Domestic travel insurance policy by adding one or both of the following optional extras to your policy:

Snow Sports Cover

Covers claims relating to skiing, snowboarding, ice-skating and more, including snow sports equipment, lift passes and ski packs (excluding emergency medical and hospital expenses).
Read more

Excess reduction

Halve your excess from the standard $200 to $100; or choose to have no excess.

How do I add these optional extras to my policy?

You can add one or more of these optional extras when you get a quote and buy a policy.

If you’ve already purchased a policy, you can add Snow Sports Cover only. To do this, call us on 1800 444 424 or log into your online account and edit your policy – before you depart on your trip and within 14 days of the purchase date.

Medical and hospital expenses

In contrast to our international travel insurance policies, our Domestic policy does not cover emergency medical and hospital expenses.

That’s because these expenses are claimable in Australia from Medicare and/or your private health fund.

Cruises in Australian waters

If you’re going on a cruise within Australian territorial waters, you must:

  1. Select ‘Australian Waters’ under ‘Pacific’ as your destination, and
  2. Buy one of our international travel insurance policies: Comprehensive, Essential, Last Minute, or Annual Multi-Trip (the Domestic policy does not cover medical and hospital expenses – offshore or onshore).

Note that you will be covered for, among other things, on-board medical expenses and evacuation.

Get a quote

Whether you want cover for just the basics or a policy with lots of bells and whistles, we’ve got a big selection of travel insurance for you to pick from.

Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.

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 and exclusions that apply, please read the product disclosure statement (PDS).

How to make a claim

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

Frequently asked questions

What’s the longest amount of time I can get cover for one trip?

Twelve months for travellers aged 65 or under and 90 days for travellers aged between 66 and 100 (single-trip policy).

Do you cover pre-existing medical conditions?

Yes – we cover 27 pre-existing medical conditions, as long as you:

  • have not been hospitalised (including day surgery or emergency department attendance) for that condition within the past 24 months
  • tell us you have the condition by selecting ‘Yes’ when you buy a policy.  

If your pre-existing medical condition is not covered, you will still be covered for claims (including overseas medical and hospital expenses) not related to your condition.

Note that we will not cover claims arising from you:

  • receiving or waiting for hospital tests or treatment for an undiagnosed condition or symptom
  • travelling against the advice of a medical practitioner
  • travelling to get medical treatment abroad
  • travelling despite being told your condition will cause your death.
Which sports and activities do you cover?
Do the benefit amount limits apply to each family member (or travelling party member) or to the family (or travelling party) as a whole?

The benefit amount limits are the most we’ll pay per insured person for each insured event their claim relates to.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, we’ll pay each of them up to $7,500 (minus their excesses of $200 each.)

How can I see my travel insurance policy details?

You can view and manage many of your travel insurance policy details through your online account.

(You can also see your policy details on the certificate of insurance that was emailed to you.)

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