Whether it's a road trip around Australia, a cheap family holiday to
Bali or the trip of a lifetime to North America or Europe, Budget Direct
offers a wide range of travel insurance for families.
Our travel insurance policies can cover what's most important — your
family’s health and safety — so you can get the most out of your next
big adventure.
Medical cover will not exceed 12 months from onset. Terms,
conditions, limits, sub-limits and exclusions apply. Please check the
Combined FSG/PDS for further details.
ΔSub-limits apply.
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar
sum insured.
**Cover is available to buy via Options to vary cover. An additional premium
applies.
ΔLimits, sub-limits, conditions and exclusions apply.
Our Comprehensive, Essential and Domestic Travel Insurance plans are
available for you to buy as a Single Trip or Annual Multi-Trip policy.
With an Annual Multi-Trip policy, you can choose a maximum trip duration
and be covered for an unlimited number of trips within 12 months to your
chosen destinations, up to the chosen maximum trip duration for each trip.
Our most extensive international Travel Insurance policy
can provide cover for our full list of benefits and entitles you to
our maximum benefit limits.
Luggage and personal effects – Up to $10,000 (sub-limits apply)
Our Domestic Travel Insurance policy covers you for your travel within Australia and includes cover for cancellation and amendment fees, and luggage
and personal effects.
Luggage and personal effects – Up to $2,000 (sub-limits apply)
Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
*Where ‘$Unlimited’ is used here, it means that there is no capped
dollar sum insured. Medical cover will not exceed 12 months from onset. Terms,
conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.
Compare Travel Insurance
Compare all Budget Direct Travel Insurance before you buy and get the
cover you want.
We cover $Unlimited* overseas medical expenses if you are diagnosed with COVID-19
during your trip.
Additional expenses up to $5,000 are also covered during your trip if you're diagnosed with COVID-19 and
required to self-isolate and incur additional transport and accommodation expenses. Cover is
$Unlimited* in the case where you require hospitalisation.
Please note that COVID-19 Amendment or Cancellation Costs cover is
NOT automatically included but is available for you to buy as a
separate option if you wish.
For claims related to COVID-19, sub-limits may apply.
*Where ‘$Unlimited’ is used here, it means that there is no
capped dollar sum insured.
Amendment or Cancellation Costs
We provide cover for costs associated with rescheduling your trip or cancelling your non-refundable, non-recoverable prepaid travel tickets, hotels,
tours or other travel-related expenses so that you're not left out of
pocket.
Cover for rescheduling your trip is limited to the amount it would
have cost to cancel your trip.
Please note that COVID-19 Amendment or Cancellation Costs cover is
NOT automatically included but is available for you to buy as a
separate option if you wish.
Existing Medical Conditions
You can still get travel insurance cover if you have a existing medical condition. Budget Direct travel insurance covers a range of existing medical
conditions automatically (subject to the criteria).
For others, you can complete a health assessment at the same time
you get your quote. If approved, an additional premium may apply.
Check the Combined FSG & PDS for
more information about existing medical conditions and what the policy
covers.
Rental Vehicle Insurance Excess
If you rent a car while you're travelling and it’s damaged or
stolen, you'll be covered for the lower of the rental vehicle excess or the repair
costs for the vehicle, which you become liable to pay.
This benefit is excluded from our Basic policy.
Luggage and Personal Effects
We can cover the cost of repairing, replacing or reimbursing you for your
belongings if they're lost, stolen or damaged (limits and sub-limits apply).
Depreciation only applies to items more than 2 years old.
Personal Liability
Personal legal liability provides cover if you accidentally damage
or lose someone else's property or injure someone else during your
trip and as a result of your negligent act, you become
unintentionally legally liable to pay compensation.
For full details regarding Personal Liability cover, please read the
Combined FSG/PDS. For example,
there is no cover for personal liability claims arising from using a
mechanically propelled vehicle such as a car or motorcycle.
We cover a range of adventure activities when you're travelling
including surfing, bungee jumping and zip lining.
This means you can experience the activities you love, while you're
travelling overseas or interstate.
Some adventure activities and snow sports may not be automatically
included in the cover. Optional cover is available for certain
adventure activities, snow sports and motorcycle/moped riding.
Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.
If you're taking a cruise holiday, our Travel Insurance policies can
cover you during your cruise overseas or outside Australian Coastal Waters with Cruise Cover available on our international Comprehensive, Essential
and Basic plans.
With Cruise Cover, we cover $Unlimited* medical expenses and up to
$2,000 in dental expenses when you receive treatment onboard a
cruise ship outside Australia by or on the advice of a qualified
medical practitioner.
You'll also be covered for ship-to-shore emergency transportation, sea sickness cover, missed ports and shore excursions, and cabin
confinement up to the specified policy limits.
*Where ‘$Unlimited’ is used here, it means that there is no capped
dollar sum insured. Cover will not exceed 12 months from onset of
illness, injury or condition.
Not all benefits apply to all levels of cover.
Medical cover will not exceed 12 months from onset. Terms,
conditions, limits, sub-limits and exclusions apply. Please check the
Combined FSG/PDS for further details.
Overseas Medical Expenses and Emergency Assistance
With Budget Direct Travel Insurance Cover, you have 24/7 access to a
worldwide network of doctors, nurses, and case managers.
Depending on your needs, we can help you:
Find a medical facility and monitor your medical care
Pay medical bills (if your claim is approved)
Keep travelling or get home
Deal with lost passports, travel documents and credit cards
Get a quote online – it’s quick and easy. If you get a quote and buy a new
Budget Direct Travel Insurance policy online, you’ll receive a 15%^
discount
For an additional premium, you can customise your Family Travel
Insurance policy when you add one or more of the following optional
covers to your policy:
If you or your travelling companion are diagnosed with COVID-19 before your trip and can't travel, optional COVID-19 Amendment or Cancellation Costs can cover
costs associated with rescheduling your trip or cancelling
non-refundable, non-recoverable prepaid travel tickets, hotels,
tours or other travel related expenses of up to a limit based on
your policy.
You’ll also receive Amendment or Cancellation Costs cover during your trip if you or your travelling companion are
diagnosed with COVID-19 and your trip is cancelled.
Additional scenarios are also included. Please read the Combined FGS/PDS to learn more about what you'll be covered for.
You can increase the amount of your cancellation cover to cover
things like particularly expensive flights or luxury travel
arrangements. Select an increased amount from the options
available when you get a quote.
Typically, people look to choose an amount that will, in total,
cover all prepaid travel tickets, hotels, tours or other
travel-related expenses, that are non-refundable in any other way,
for all travellers on the policy.
This benefit is excluded from our Basic policy.
Please note that COVID-19 Amendment or Cancellation Costs cover is
available for you to buy as a separate option if you wish.
Increase Luggage Item Limit
You can increase your luggage item limit on your travel insurance
policy if you're carrying a valuable item that you want to insure for
more (maximum limits apply). Make sure you also have receipts or valuations
of that item on hand.
With two levels of cover available, Motorcycle/Moped Riding covers
riding a motorcycle or moped with an engine capacity of 250cc or
less while Motorcycle/Moped Riding+ insures unlimited engine
capacity. Conditions apply.
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 bought a policy and wish to add any of these
covers, call us on 1300 792 001 (within
Australia) or +61 2 8907 5079 (from overseas)
to discuss your options.
Medical cover will not exceed 12 months from onset. Terms,
conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.
How to Make a Claim
If your trip didn't go entirely to plan and you need to make a
claim on your Budget Direct Travel Insurance, we're here to help.
Having your details, receipts and documents from the trip on hand
can also make it easier to claim.
The information on this page is a summary only. For more details
about Budget Direct Travel Insurance, including the terms,
conditions, limits, sub-limits and exclusions that apply, please
read the Combined FSG/PDS for further
details.
How many people can be covered under one family travel insurance policy?
With Budget Direct, you can cover up to four adult travellers and up to 10 children travellers on the one travel insurance policy.
What are 'Accompanied Children'?
Budget Direct defines ‘Accompanied Children’ as children or grandchildren (including step, fostered or adopted children or grandchildren) who are:
under 21 years of age
financially dependent on you
not in full-time employment
named on your travel insurance policy.
Do the benefit limits apply to each family member (or travelling party member) or the family (or travelling party) as a whole?
The benefit limits are the most we’ll pay each insured person per trip but this does not include the Amendment or Cancellation limit which is per policy.
For example, if a family of five has Domestic cover and all five of them have their luggage stolen, we’ll pay them up to $5,000 each (minus the applicable policy excess and taking into account limits and sub-limits).
Are there age limits for travel insurance?
Yes, we have an age limit for each of our travel insurance policies. To qualify for Budget Direct Travel Insurance, you must be under a certain age:
Essential and Basic cover - Domestic and Comprehensive cover - must be 0 to 99 years old
Is pregnancy covered by travel insurance?
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:
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.
How much does travel insurance cost?
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.
