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What's covered by Domestic Travel Insurance

  • Amendment or cancellation costs (e.g. for non-refundable, prepaid travel and accommodation expenses) - Up to $10,000 (or the amount you choose) per policy
  • If you are diagnosed with COVID-19 self-isolation expenses if you are too sick to travel – Up to $2,500^^
  • Luggage and personal effects (e.g a phone, smart watch or laptop) – Up to $5,000 (sub-limits apply)
  • Travel delay and missed connections
  • Personal liability
  • Activities (e.g. surfing, bungee jumping, zip lining)

What's not covered by Domestic Travel

  • Amendment or cancellation costs due to COVID-19**^^
  • Any medical, dental or hospital expenses, including COVID-19 related medical expenses, in Australia.
  • Adventure activities (e.g. skydiving, water skiing)**
  • Snow sports (e.g. skiing, snowboarding)**
  • Motorcycle/moped riding**

**Cover is available to buy via options to vary cover. Additional premium applies.

^^A special excess will apply.

 

Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined Financial Services Guide and Product Disclosure Statement for further details.

Benefits Included in Domestic Travel Insurance

COVID-19 Benefits

If you're diagnosed with COVID-19 during your holiday, we'll cover the additional expenses if you're required to self-isolate because you’re too sick to travel and you incur additional transport and accommodation expenses during your trip – up to $2,500. A COVID-19 special excess will apply

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

For claims related to COVID-19 for Amendment or Cancellation Costs and Additional Expenses, sub-limits and a special excess may apply

Amendments or cancellation costs

This benefit provides cover for costs associated with rescheduling your trip or the cancellation of your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel related expenses so that you're not left out of pocket. Cover for rescheduling your trip is limited to the amount it would have cost to cancel your trip.

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

Existing medical conditions

You can still get cover for travel insurance, if you have an existing medical condition.

Budget Direct travel insurance covers a range of existing medical conditions automatically (subject to the criteria).  

For others, 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.

Rental vehicle insurance excess

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

Luggage and personal effects

We can cover the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged (limits and sub-limits apply). Depreciation only applies to items more than 2 years old.

Personal liability

Personal legal liability provides cover if you accidentally damage someone else's property or injure someone else during your trip and as a result of your negligent act, you become unintentionally legally liable to pay compensation. For full details regarding Personal Liability cover, please read the Combined FSG/PDS. For example, there is no cover for personal liability claims arising from using a mechanically propelled vehicle such as a car or motorcycle.

Adventure Activities

We cover a range of adventure activities when you're travelling including surfing, bungee jumping and zip lining. This means you can experience the activities you love, while you're  travelling overseas or interstate.

Some adventure activities and snow sports may not be automatically included in the cover. Cover is available to buy for certain adventure activities, snow sports and motorcycle/moped riding. Please read the Combined FSG/PDS to learn more about which activities you'll be covered for. 

Get cover for even more activities with Adventure Activities Cover,  Snow Sports Cover and Motorcycle/moped riding Cover.

And more

 

 

Compare all benefits, features and benefit limits.

Not all benefits apply to all levels of cover. Terms, conditions, limits, sub-limits and exclusions apply. For full details, please read the Combined FSG & PDS.

Hospital and Medical Expenses

Unlike our international travel insurance policies,
our Domestic plan does not cover any medical expenses during your domestic trip.

Upgrade Your Domestic Travel Insurance Cover

For an additional premium, you can customise your insurance when you add one or more of the following covers to your Domestic Travel Insurance policy:

Snow Sports Cover

There are two levels of Snow Sports Cover:

  1. Snow Sports includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.
  2. Snow Sports+ includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding (conditions apply) as well as heli-skiing/boarding.

See the full list of snow sports included in Snow Sports and Snow Sports+ cover.

Adventure Activities Cover

There are two levels of Adventure Cover:

  1. Adventure cover includes paragliding/parascending/parasailing (over land), sailing, water skiing and more.
  2. Adventure+ includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.

See the full list of activities included in Adventure and Adventure+ cover.

COVID-19 Cancellation or Amendment Costs

You can purchase the optional COVID-19 Amendment or Cancellation Costs cover to be covered for costs associated with rescheduling your trip or the cancellation of your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel related expenses of up to $2,500 per policy on a Domestic plan:

●     if you or your travelling companion are diagnosed with COVID-19 before your trip and can't travel.

If you include the optional COVID-19 Amendment or Cancellation Costs cover on your policy and it is purchased within 21 days of your scheduled trip departure date, we will only cover the travel costs you paid for:

●     in the 48 hours prior to buying the policy; and

●     after buying this policy.

(What that means is, for example, if you booked and paid for your trip in full 6 months ago and then bought this policy a week before your departure date, there will be no cover available if you cannot travel because you or your travelling companion are diagnosed in Australia with COVID-19.)

You’ll also receive Amendment or Cancellation Costs cover during your trip in case you or your travelling companion are diagnosed with COVID-19 and your trip is cancelled.

A COVID-19 special excess applies to the scenarios above only.

The following scenarios are also included:

●     If Your non-travelling Relative or business partner residing in Australia or New Zealand becomes sick due to COVID-19 and the condition is life threatening.

●     If you are a pharmacist, nurse, doctor, paramedic or other health care professional and your leave is revoked by your employer due to COVID-19 related reasons and that means you can’t go on your trip.

Increase Luggage Item Limit

You can increase your luggage item limit on your travel insurance policy if you're carrying a valuable item that you want to insure for more (maximum limits apply). Make sure you also have receipts or valuations of that item on hand.

Motorcycle/Moped Riding Cover

With two levels of cover available, Motorcycle/Moped Riding covers riding a motorcycle or moped with an engine capacity of 250cc or less while Motorcycle/Moped Riding+ insures unlimited engine capacity. Conditions apply.

How do I add these cover options to my policy?

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

If you've already bought a policy and wish to add any of these covers, call us on 1300 792 001 (within Australia) or +61 2 8907 5079 (from overseas) to discuss the options available to you.

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.

Travel Insurance FAQs

How long can I get travel insurance for?

You can get a Budget Direct single-trip policy for up to 12 months.

An Annual Multi-Trip policy is effective for 12 months, however each trip must last less than the maximum trip duration you choose. You can choose a maximum trip duration of 30, 45 or 60 days for international trips (with domestic trips also included) and 15 or 30 days when travelling domestically only.

For example if you are travelling overseas throughout the year ahead and doing 10 x week long trips and one big trip for 6 weeks, you would select the trip duration as 45 days. If you plan to travel for more than 30 days domestically and 60 days internationally, you will need to purchase a single trip travel insurance policy where coverage is up to 12 months. (If you are taking one trip for 12 months, please select a Single trip).

Can I get travel insurance if I have a pre-existing medical condition?

You can still get cover for travel insurance, if you have an existing medical condition.

Our travel insurance covers a range of existing medical conditions automatically (subject to the criteria).

For others, 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.

Which sports and activities does travel insurance cover?

All Budget Direct Travel Insurance includes cover for a range of sports and activities.

Some adventure activities and snow sports may not be automatically included in the cover. Cover is available to buy for certain adventure activities, snow sports and motorcycle/moped riding. Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.  

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 each insured person per trip but this does not include the Amendment or Cancellation limit which is per policy.

For example, if a family of five has Domestic cover and all five of them have their luggage stolen, we’ll pay them up to $5,000 each (minus the applicable policy excess and taking into account limits and sub-limits).