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).

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 (e.g. an unforeseen illness or injury), up to $5,000.

Luggage and personal effects

Cost of repairing or replacing your clothes, shoes and other belongings if they get lost, stolen or damaged during your trip, up to $2,500 (excluding valuables; sub-limits apply).

Personal liability

Your legal liability for accidentally injuring someone else or damaging or losing someone else’s property during your trip, up to $1 million.

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

Compare all travel insurance policies

Upgrade your cover

For an additional premium, you can customise your Comprehensive travel insurance policy by adding one or more 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 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 can I pay for my Budget Direct travel insurance?

By credit card (Visa or MasterCard).

If I make a claim, will I have to pay an excess?

It depends on the travel insurance benefit you’re claiming: the excess will be $200 or $0.

Roughly half the benefits attract an excess, half don’t.

For example, you’ll have to pay the first $200 of a ‘Cancellation and amendment fees’ claim, but no excess for a ‘Delayed luggage allowance’ claim.

Claims arising from a handful of covered sports and activities attract higher excesses, ranging from $250 to $500.

For an additional premium, you can reduce or remove your excess.

See all travel insurance excesses

What changes can I make to my policy?

After purchasing your Last Minute policy, you can log into your online account and edit the following policy details:

Before you depart on your trip – and within 14 days of the purchase date:

  • travel destinations
  • departure and return dates
  • travellers on your policy
  • optional extras (you can add Snow Sports Cover to your policy).

After you’ve departed on your trip:

  • travel destinations
  • return date.
What’s not covered?

There are some situations or circumstances we do not cover. Called ‘exclusions’, they include:

  • failure to get relevant inoculations or vaccinations
  • errors or omissions in your travel bookings
  • incidents involving drugs or alcohol
  • loss of luggage and personal effects left unattended
  • countries listed as ‘Do not travel’ on the federal government’s Smartraveller website
  • pre-existing medical conditions – other than the 27 conditions we cover
  • medical expenses incurred in Australia (which are already covered by Medicare and/or your private health insurer).

For the full list of exclusions, please read the product disclosure statement.

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