Award-winning insurance for Australians travelling overseas
Budget Direct offers four types of international travel insurance, so you can choose a policy that suits your needs and budget.
You can insure up to 10 adults and 20 dependent children on a single-trip policy, which can cover you for up to 12 months (travellers aged 65 or under) or 90 days (travellers aged between 66 and 100).
All our overseas travel policies cover what’s most important — your health and safety — with cover for an unlimited amount of overseas emergency medical and hospital expenses.
| Pacific |
|---|
| Includes American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea; and domestic cruises within Australian territorial waters. |
| Asia |
| Includes Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Myanmar, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, and Vietnam only. |
| Europe/Africa |
| Includes countries in Africa, Europe, Scandinavia, the Middle East, the Caribbean, and Russia. |
| Americas |
| Includes United States of America, Canada, Mexico, Central and South America and Antarctica (Antarctic cruises only). |
| Not covered |
We do not cover travel to countries:
|
What’s covered?
Depending on which level of international travel insurance you choose, your cover can include:
Not all benefits apply to all levels of cover.
Terms, conditions, limits, *sub-limits and exclusions apply.
For full details, please read the Product Disclosure Statement (PDS).
Choose your cover
We have four types of international travel insurance for you to choose from:
Comprehensive
Our most extensive policy, covering you for our full list of benefits and entitling you to our maximum benefit amounts.
Read more
Essential
A critical level of protection at a cheaper price, providing essential benefits and entitling you to generous benefit amounts.
Read more
Last Minute
A basic level of cover at our cheapest price, including an unlimited amount of overseas emergency medical and hospital expenses.
Read more
Annual Multi-Trip
A comprehensive level of insurance for frequent travellers, covering an unlimited number of up-to-30-days overseas trips you take within 12 months.
Read more
Compare Policy Benefits
Compare before you buy and get the travel insurance cover that’s right for you.
Comparison table
Upgrade your cover
For an additional premium, you can customise your international travel insurance policy by adding one or more of the following optional extras to your policy:
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 and/or 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.
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 500 doctors in 34 countries.
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.
How to make a claim
If your trip didn’t go entirely to plan and you need to make a claim, we’re here to help. Make a claim on your travel insurance policy.
Get a quote
Whether you’re after a cheap price or a policy with lots of bells and whistles, we’ve got a wide range of travel insurance cover for you to choose from.
Get a quote online in 30 seconds or call us on 1800 444 424.
Frequently asked questions
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 A$500 to treat, you (or someone else on your behalf) must call 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.
Can I get travel insurance if I have a pre-existing condition?
Budget Direct travel insurance covers 27 pre-existing health conditions.
See the list of covered pre-existing health conditions.
If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.
Does travel insurance cover cancelled flights?
All Budget Direct travel insurance policies except Last Minute can cover the cost of your pre-booked flights if you’re forced to cancel your trip before it begins due an insured event (e.g. an unforeseen illness or injury).
Keep in mind we do not cover the cost of flights cancelled due to an event within the airline’s control (e.g. crew shortage, delayed inbound flight).
Instead, the airline may rebook you on the next available flight to the same destination; or give you a refund.
