Travel Insurance Existing Medical Conditions

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

Budget Direct Travel Insurance covers:

●     Overseas medical expenses – $Unlimited cover amount (for up to 12 months from the onset of the illness, condition or injury) for the cost of unforeseen emergency medical and hospital treatment overseas if you become sick, ill or injured.

●     Amendment or cancellation costs (up to the policy limit or cover chosen, whichever is the higher) – the cost of prepaid travel tickets, hotels, tours or other travel-related expenses which are non-refundable in case you’re forced to call off or reschedule your trip due to an insured event (such as an unforeseen illness or injury). Does not apply to the Basic plan.

●     Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged. Limits and sub-limits apply. Depreciation only applies to items more than 2 years old.

●     Additional expenses – additional transport and accommodation expenses if your trip is disrupted or cut short due to an insured event.

For full details, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS.

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

The cost of travel insurance depends on a number of factors, including your:

• Area of travel - higher risk areas cost more 

• Departure date and trip duration – the longer until you depart and the longer your trip duration, the higher the cost may be

• Age – higher risk age groups cost more

• Travel Insurance Plan – an international Comprehensive policy, which provides more cover, costs more than an international Essential or Basic policy or a Domestic policy

• Excess – the higher the excess you choose, the lower the cost may be

• Cruise cover – an additional premium applies

• Cancellation cover – as an optional cover, you can choose your own level of cancellation cover and the more cancellation cover you require, the higher the cost may be

• Cover for existing medical conditions and pregnancy (where available) – an additional premium may apply if a medical assessment is completed and we accept your cover

• Upgrading to optional cover (where available) – an additional premium applies

Get a quote and see how much it would cost to insure your next trip.

Pregnancy may be covered by your travel insurance policy. There are restrictions that apply to claims arising in any way from the pregnancy.

Restrictions pregnant travellers need to be aware of are:

• Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days. (Gestational age is measured in weeks and days and is calculated from the last known date of your menstrual period or calculated from staging ultrasound.)

• Childbirth is not covered.

• Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.

Additionally, you may need to apply for cover for your pregnancy if:

• There have been complications with this pregnancy or a previous pregnancy; 

• You have a multiple pregnancy e.g. twins or triplets; or 

• The conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF.

Pregnant travellers should carefully read the Combined FGS/PDS to learn more about limitations that may apply to cover and determine if the product is appropriate for them.

Yes, all of Budget Direct’s international Travel Insurance plans – Comprehensive, Essential and Basic – include an $Unlimited* cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses including:

• Emergency medical treatment

• Ambulance transportation

• Surgery and hospital costs

• Emergency repatriation/evacuation

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured. There is no cover for any medical, dental or hospital expenses in Australia.