What does travel insurance not cover?

Budget Direct travel insurance does not cover certain incidents and circumstances – called ‘exclusions’. These include:

  • failure to get relevant inoculations or vaccinations
  • errors or omissions in your travel bookings
  • incidents involving drugs or alcohol
  • riding a motorcycle unlicensed or without a helmet
  • 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 (and which you have told us about)
  • medical and hospital expenses incurred in Australia (which are already claimable from Medicare and/or your private health insurer).

For the full list of exclusions, please read the Product Disclosure Statement.

Does travel insurance cover pregnancy and childbirth?

Budget Direct travel insurance does not cover any claims directly or indirectly related to pregnancy, childbirth, care of a newborn child or complications arising from any of these.

(If you’re pregnant or have another pre-existing condition that is not covered by us, we can still cover you for claims not related to your pregnancy or other pre-existing condition.)

Does travel insurance cover missed flights?

We do not cover claims related to a policyholder arriving late for their check-in and missing their flight.

Does travel insurance cover incidents involving alcohol or drugs?

We do not cover claims related to the consumption of drugs and/or alcohol.

Does travel insurance cover countries with travel warnings / alerts /advisories?

The Australian Government’s Smartraveller website rates the security situation in different countries to help travellers determine where and when to travel overseas.

Budget Direct does not cover travel to countries the government advises people not to travel to.

If you’re currently travelling and the risk rating of the country you're in is raised to 'Level 4 - Do not travel', contact us.

We'll explain how the higher risk rating affects your Budget Direct travel insurance and what your options are.

Note that, in addition to government travel advice, you need to be aware of our related travel alerts.

Does travel insurance cover mental health conditions?

No – Budget Direct does not cover travel insurance claims arising from any psychological or psychiatric conditions experienced by anyone who has received medical advice, tests, treatment or medication for these conditions (including anxiety or depression) in the past five years.

This includes anyone who attempts or commits suicide or deliberately harms themselves during their trip.

If your mental health condition is not covered, we can still cover you for claims not related to it.

Does travel insurance cover civil unrest or war?

Budget Direct travel insurance does not cover claims arising out of war, civil war, invasion, insurrection, revolution, use of or threatened use of military power, usurpation of government or military power.

When planning your trip, it’s advisable to check the Australian Government’s Smartraveller website, which rates the security situation in different countries.

Budget Direct does not cover travel to countries the government advises people not to travel to. If you’re currently travelling and the risk rating of the country you're in is raised to 'Level 4 – Do not travel', contact us.

We'll explain how the higher risk rating affects your Budget Direct travel insurance and what your options are.

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