For an additional premium, you can add optional Snow Sports Cover to your Budget Direct international or domestic travel insurance policy.

Whether you go skiing, snowboarding and/or ice-skating, in Europe, North America, Japan, New Zealand, our own Snowy Mountains or elsewhere, we’ve got a wide range of travel insurance for you to choose from.

What’s covered?

Depending on the type of travel insurance you choose, your cover can include:

Overseas medical and hospital expenses

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

Snow sports equipment

Cost of replacing your snow sports equipment (e.g. skis, poles, snowboard) if it is lost, stolen or damaged during your snow holiday, up to $1250.

Ski pack

Payment for the unused, pro rata value of your ski pack (ski tuition fees, lift pass, and equipment hire) if you become ill or are injured and cannot ski as planned, up to $600.

Personal liability

Payment of up to $5 million in case you’re held legally liable for accidentally injuring someone else or damaging or losing someone else’s property on your trip to the snow.

Cancellation and amendment fees

Cost of prepaid travel, accommodation, meals, tours and activities, and visas if your ski holiday is cancelled due to an insured event (e.g. an unforeseen illness or injury).

Piste closure

Transport to another nearby resort or, if there isn’t one, a cash payment if the lift systems at your resort are closed for more than 12 hours due to insufficient snow, excessive snow, or high winds, up to $500.

Luggage and personal effects

Cost of repairing or replacing your belongings, including your smartphone, laptop, clothes, etc., if they get lost, stolen or damaged during your trip (sub-limits apply).

Snow sports equipment hire

Cost of hiring snow sports equipment if yours is delayed in reaching you on your outward journey for more than 12 hours, lost, stolen or damaged, up to $500.

Lift pass

Payment for the unused, pro rata value of your ski-lift pass if it’s lost or stolen, up to $500.

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Insured snow sports

The following snow sports are covered. Note that:

  • we cover only amateur and recreational snow sports
  • the coverage of some snow sports is subject to conditions and exclusions; for more details, see the table of covered snow sports in the Product Disclosure Statement.
  • Big foot skiing
  • Cat skiing
  • Cross-country skiing (along a designated route only)
  • Glacier skiing
  • Heli-skiing
  • Ice hockey
  • Ice skating
  • Lugeing (ice only)
  • Mono skiing
  • Off-piste skiing (with professional instructor/guide only)
  • Recreational ski racing
  • Snowboarding
  • Snowmobiling
  • Tobogganing.

How do I insure my ski trip?

If you plan to ski, snowboard and/or ice-skate on your overseas or Australian trip and want to be insured against any costly mishaps, follow these two steps:

1

Choose a policy

Get a quote for one of four international travel insurance policies – Comprehensive, Essential, Last Minute, or Annual Multi-Trip – or, for travel within Australia, the Domestic policy.§

2

Add Snow Sports Cover

During the quote process, add optional Snow Sports Cover to your policy before you buy it.

If you forget to add Snow Sports Cover, you can do it after purchasing your policy by calling us on 1800 444 424 or logging into your online account and editing your policy – before you depart on your trip and within 14 days of the purchase date.

Upgrade your cover

For an additional premium, you can customise your travel insurance policy even further by adding one or both of the following optional extras to your policy:

Additional Specified Items Cover

Increase the level of cover for your valuables – including cameras, smartphones, and jewellery – by specifying them in your policy (Comprehensive and Annual Multi-Trip policies only).
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 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.

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.

Award-winning travel insurance

After comparing all the policies in their database, Australia's largest comparison site, Finder, awarded us their Best Travel Insurance — Comprehensive title in 2018 and 2019.

We also won a Mozo Experts Choice award in 2018 and 2019 for Exceptional Value Basic Travel Insurance (for our Last Minute policy).

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

Frequently asked questions

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

Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

Does travel insurance cover skiing?

For an additional premium, you can add optional Snow Sports Cover to your Budget Direct international or domestic travel insurance policy.

Among other things, Snow Sports Cover can insure you for snow sports equipment, ski packs, lift hire, and piste closures.

Read more about ski travel insurance

Does travel insurance cover medical and hospital expenses?

All four of Budget Direct’s international travel insurance policies – Comprehensive, Essential, Last Minute, and Annual Multi-Trip – include an unlimited amount for overseas medical and hospital expenses, including:

  • ambulance and emergency medical, surgical and hospital costs
  • cost of your return to Australia earlier than planned if this is medically necessary and we authorise it
  • if you cannot return to Australia as you originally planned and if it is medically necessary and we authorise it, we will pay for reasonable travel and accommodation expenses:
    • to allow you to return to Australia, and
    • for someone to stay with you and travel home with you, or
    • for one relative or friend to travel from Australia to stay with you and travel home with you
  • cost of returning your body or ashes to Australia (up to $20,000) or cost of a funeral and burial in the country in which you die (up to $10,000).

This cover excludes any claims arising from pre-existing medical conditions (other than the 27 we cover).

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than AUD$500 to treat, you (or someone else on your behalf) must contact us as soon as possible.

Our Domestic policy does not include cover for medical and hospital expenses, as these expenses are already claimable in Australia from Medicare and/or your private health fund.

Does travel insurance cover medical expenses in Australia?

In contrast to our international travel insurance policies, our Domestic policy does not cover emergency medical or hospital expenses.

That’s because these expenses are claimable in Australia from Medicare and/or your private health fund.

§ Our Domestic policy does not cover you for medical and hospital expenses arising from injuries you sustain while participating in snow sports in Australia, as these expenses are claimable from Medicare and/or your private health fund.

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