Back-to-back winner (2018 and 2019) of Finder's Best Travel Insurance — Comprehensive title and Mozo's Experts Choice award for Exceptional Value Basic Travel Insurance.

finder Awards 2019 Winner, Best Travel Insurance (Comprehensive)
MOZO's Experts Choice 2019 - Exceptional Value Basic Travel Insurance

What’s covered by Essential Travel Insurance?

Overseas medical and hospital expenses

Unlimited amount for medical and hospital treatment if you get sick or injured on your international trip (excluding pregnancy and childbirth).

Cancellation and amendment fees

Cost of pre-paid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event (e.g. an unforeseen injury or illness), up to $12,500.

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 $12,500.

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).

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 in Australia dies or is hospitalised unexpectedly), up to $12,500.

Personal liability

Your legal liability for accidentally injuring someone else or damaging or losing someone else’s property during your trip, up to $2 million.

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 $400.

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.

Travel documents, credit cards and traveller’s cheques

Cost of replacing your passport, visas, travel money cards, traveller’s cheques, and credit cards if they’re lost, stolen or damaged, 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 Essential travel insurance policy by adding one or both of the following optional extras to your policy:

Snow Sports Cover

Insures you against loss or injury while skiing, snowboarding, ice-skating and more, including the cost of snow sports equipment, lift passes and ski packs.
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 both 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.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

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 does travel insurance cover?

Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.

Among the most important benefits provided by Budget Direct travel insurance are:

  • Overseas medical and hospital expenses – an unlimited amount for the cost of unforeseen emergency medical and hospital treatment overseas (excluding pregnancy and childbirth). Read more
  • Cancellation and amendment fees – the cost of pre-paid travel, accommodation, etc. in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury). (Does not apply to Last Minute cover.) Read more
  • Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).
  • Additional expenses – extra travel, accommodation and meals expenses – over and above what you budgeted for – if your trip is disrupted or cut short due to an insured event.

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

See all Budget Direct travel insurance benefits and features

Does travel insurance cover trip cancellation?

All Budget Direct travel insurance policies except Last Minute can cover the cost of cancelling (or amending) your trip due to an insured event. Read more

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.

How many people can be covered under one travel insurance policy?

With Budget Direct, you can get cover for up to of 10 adults and 20 dependent children on the one policy.

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).

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