What’s covered?

Overseas medical and hospital expenses

Unlimited cover for the cost of overseas emergency medical, surgical 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 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 and/or Additional Specified Items 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

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

Up to 10 adults and 20 dependent children.

What are ‘dependent children’?

Your financially dependent children or grandchildren (including step, fostered or adopted children or grandchildren) who are under 18 years of age and who are named on your travel insurance policy.

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.)

What insurance documents can I expect to receive?

Immediately after you’ve paid for your policy, we’ll email you:

  • your certificate of insurance, which will show your selected level of cover and travel destination/s
  • a product disclosure statement, which tells you everything you need to know about the product
  • a link to register an online account, so you can manage your travel insurance policy at your convenience, 24/7.

If you have any questions or concerns about your policy, please contact us.

Can I extend my cover if I decide to travel for longer than originally planned?

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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