How do I buy travel insurance?

You can buy Budget Direct travel insurance online or over the phone (1800 444 424).

(If you’re an existing Budget Direct customer and you buy a travel insurance policy through your online account, we’ll give you a 20% discount on your premium.)

How much travel insurance do I need?

Your level of cover is determined by the type of policy you buy.

Budget Direct offers five different types of travel insurance, featuring a varying range of benefits and differing ‘amounts insured’ (also known as ‘benefit amounts’ or ‘sums insured’).

The question is: If something goes wrong on your trip, which type do you think you’ll need to cover your potential financial losses?

Compare all our types of cover

How much does travel insurance cost?

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

  • age
  • travel destination/s
  • trip duration
  • type of cover, including any optional extras you add to your policy.

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

Are travel insurance premiums tax deductible?

No — even if you’re travelling for business, the Australian Taxation Office (ATO) categorises travel insurance as a ‘private expense’ that is non-deductible.

This is in contrast to other business-related travel expenses like airfares, car-hire fees, accommodation and meals, which the ATO says you may claim.

This information is correct as of 1 November 2019. For more, visit the ATO’s ‘Claiming a tax deduction for business travel expenses’ web page.

To find out what other types of insurance premiums may be tax deductible, read our blog.

Are travel insurance quotes per person?

Travel insurance quotes can be per person or per family or travelling party.

With Budget Direct, you can insure up to a maximum of 10 travellers on the one policy — depending on your needs.

When should I buy travel insurance?

It’s up to you exactly when to buy travel insurance, however it must be purchased before your trip commences.

By getting Budget Direct travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of up-to-30-days trips you take within 12 months to your chosen destination/s.

Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you will need to contact us or log into your online account and edit your policy.

Get a quote now

How long can I get travel insurance for?

You can get a Budget Direct single-trip policy for up to 12 months if you’re aged 65 or under; or up to 90 days if you’re aged between 66 and 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).

Are there age limits for travel insurance?

Yes – to qualify for Budget Direct travel insurance, you must be under a certain age (see the table below):

Age Type of cover
0 - 75 years Essential, Annual Multi-Trip, Last Minute
0 - 100 years Comprehensive, Domestic

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

With Budget Direct, you can get cover for up to 10 travellers on the one policy.

What are 'dependent children'?

Budget Direct defines ‘dependent children’ as children or grandchildren (including step, fostered or adopted children or grandchildren) who are:

  • under 18 years of age
  • financially dependent on you
  • named on your travel insurance policy.

How can I pay for my travel insurance?

You can pay for your Budget Direct travel insurance with a credit card (Visa or Mastercard).

Can non-residents buy travel insurance in Australia?

If you’re a non-permanent resident (e.g. a 417 or 457 visa holder), you can buy Budget Direct travel insurance as long as you hold the following for the duration of your trip:

  • a valid Medicare card; or
  • private health insurance; or
  • overseas student travel insurance.

Whether you’re on a working holiday or travelling purely for pleasure, we’ve got a wide range of travel insurance for you to choose from.

Note that our international travel insurance can cover your trip back home, but only up to 24 hours after you clear immigration control in your final destination.

Does my trip have to start in Australia?

Yes – for you to qualify for Budget Direct travel insurance, your trip has to start in Australia.

Can I get travel insurance for a one-way trip?

Yes – as long as your Budget Direct-insured trip originates in Australia.

Your cover will end 24 hours after you leave immigration control at the final destination on your itinerary or when your cover expires – whichever is earlier.

Can't I get travel insurance through my airline or cruise line?

Yes – many airlines and cruise operators encourage you to buy travel insurance at the same time you buy your air or cruise tickets; often, all you need to do is tick a travel insurance check box.

However, you can end up paying hundreds of dollars more (described by consumer advocacy group Choice as a “tick-box tax”) for the policy compared to one purchased through a direct insurer.

Also, the cover provided by an airline or cruise company may be less comprehensive than that offered by a direct insurer (like Budget Direct). In short, it can pay to shop around.

Can't I get travel insurance through my credit card?

To attract customers, many credit cards offer extras, including travel insurance.

The insurance is typically activated by using your credit card to pay for part of your trip.

While credit-card travel insurance is often marketed as free, “the cost of it is often included in the credit card’s fees”, says the Australian Securities and Investments Commission (ASIC).

Also, there can be significant differences in the level of cover provided by specialist travel insurers (like Budget Direct) and credit card companies.

For more information, read ASIC’s ‘Credit card travel insurance’ web page.

Can I buy travel insurance outside Australia?

Yes – you can buy Budget Direct travel insurance from outside of Australia, however the trip you’re insuring must start in Australia and have not yet commenced.

Can I buy travel insurance after departure?

No – Budget Direct travel insurance must be purchased before you depart on your trip.

Can I buy travel insurance after booking my trip?

Yes – you can buy Budget Direct travel insurance after booking your trip, but it must be purchased before your trip commences.

By getting travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

Can I buy travel insurance after booking my flight?

Yes – you can buy a Budget Direct travel insurance policy after booking your flight – but it must be purchased before your trip commences.

By getting travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

Can I buy travel insurance at the airport?

Yes – you can buy Budget Direct travel insurance right up until the moment you board your flight.

By getting travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

How do I buy travel insurance for a cruise in Australian waters?

If you’re going on a cruise within Australian territorial waters, follow these steps:

  1. If you want cover for on-board medical expenses and evacuation, buy one of our international travel insurance policies: Comprehensive, Essential, Last Minute, or Annual Multi-Trip (our Domestic policy does not include these benefits).
  2. When purchasing your policy select ‘Australian Waters’ as your destination.

What insurance documents can I expect to receive?

Shortly after you’ve paid for your Budget Direct travel insurance 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 access your 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.

Where can I find my travel insurance documents?

You can view and manage many of your Budget Direct travel insurance policy details through your online account.

You can also see your policy details on the certificate of insurance we sent you (we also send our customers the Product Disclosure Statement and Financial Services Guide).

If you can’t find your certificate (or PDS or FSG), you can ask us to resend it to you.

Which countries require visitors to have travel insurance?

Wherever you’re travelling to, it’s advisable to buy travel insurance in case something goes wrong and you suffer a financial loss you’re unable to cover on your own.

For example, if you get sick or injured and have to be hospitalised overseas, your medical bills could amount to hundreds of thousands of dollars.

Even if you think you can get away with not having travel insurance, you may not have a choice.

That’s because some countries allow you to enter them only if you have travel insurance that includes adequate amounts of hospital and medical cover.

For example, to stay in the Schengen Area for more than 90 days, Australian travellers need a visa.

One of the visa requirements is travel insurance that covers at least €30,000 worth of medical and repatriation costs.

At the time of writing, another destination popular with Australians, Thailand, was considering requiring travellers to purchase a special insurance policy from airports upon arrival.

Unconfirmed reports suggest this relatively cheap policy may cover only death — not things like medical expenses, cancellations, delays, luggage and personal effects.

Australians travelling to Thailand (or other countries that require travel insurance) may wish to consider getting comprehensive cover from an insurer like Budget Direct before they depart.

Other countries that require you to have travel insurance (including medical cover) as a condition of entry include:

  • Belarus
  • Cuba
  • Qatar
  • Russia
  • Turkey
  • United Arab Emirates.

Get a travel insurance quote online