International Travel Insurance

If you need medical treatment overseas, you'll have $Unlimited* cover for emergency hospital and medical expenses while abroad.

We can also cover emergency dental expenses overseas up to a limit based on your policy.

For full details, please read the Combined FSG/PDS.

We can cover the cost to repair, replace and reimburse your lost, stolen or damaged belongings (limits and sub-limits apply).

We only use depreciation for items that are 2 years old or more.

In case you need to cancel or reschedule your holiday due to an insured event (for example, an unforeseen illness or injury), choose your preferred cancellation and amendment limit to prevent being out of pocket.

This can cover pre-paid travel such as your flights or accommodation, hotel transfers, and more. (Does not apply to Basic plan.)

Not all travellers enjoy the same activities, which is why we provide a few different activity cover options for your international or interstate travel.

Activities including surfing, bungee jumping, zip lining and more are included in the travel insurance plan, while more adventurous activities including snow sports are available to purchase under additional adventure covers.

Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.

Some common medical conditions may be automatically covered, as long as you meet the specific criteria for that condition.

If you have existing medical conditions outside of the criteria, you can complete an online health assessment along with 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.

If you rent a car and are listed as the main driver on the car’s rental papers, and that car gets damaged or stolen while you’re using it on your trip, we can help cover certain costs. We’ll either cover the excess for an accident or damage, or the actual cost to fix the car (whichever is the lesser amount).

This benefit is excluded from our Basic policy.

If you’re carrying valuable items in your luggage, you can insure these for more on your travel insurance policy (maximum limits apply). Receipts or valuations (less than 24 months old) must be available if requested by us. Depreciation may apply to items purchased more than two years ago. Please refer to the PDS for details.

You can increase the amount of cancellation cover to suit you. Select an amount from the options available at the time of applying for cover.

The level of cancellation cover you choose will influence your premium. 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 and non-recoverable in any other way, for all travellers on the policy.

This benefit is excluded from our Basic policy.

If you or your travelling companion become diagnosed with COVID-19 prior to your trip, optional COVID-19 Amendment or Cancellation Costs can cover your travel expenses.

This can provide cover for your non-refundable prepaid travel tickets, hotels, tours or other travel related expenses up to a limit based on your added cover.

Please read the Combined FSG/PDS to learn more about what you'll be covered for.

This benefit is not available on our Basic policy.

Budget Direct has the following two options available for snow sports cover:

1. Snow Sports covers basic snow activities including snow skiing, snowboarding or snowmobiling on a marked trail or slope and cross-country skiing.

2. Snow Sports+ cover includes the Snow Sports inclusions, as well as snow skiing/snowboarding on off-trails and slopes and heli-skiing and boarding.

See the full list of snow sports included in Snow Sports and Snow Sports+ cover.

We have two levels of Adventure Cover:

1. Adventure cover includes activities such as rowing, sailing, rock climbing and more.

2. Adventure+ cover includes all activities mentioned in Adventure Cover, plus ice hockey, skydiving, trekking the Kokoda Track and more.

See the full list of activities included in Adventure and Adventure+ cover.

There are two levels of motorcycle/moped riding cover available for purchase.

Motorcycle/moped riding

• For motorcycle/moped riding bikes with an engine capacity of 250cc or less

Motorcycle/moped riding+

• For customers who have held an Australian motorcycle rider’s licence for the last 5 years, who want to ride a motorcycle/moped with an engine capacity greater than 250cc and are the registered owner of a motorcycle in Australia that has the equivalent or greater engine capacity to the bike they plan on riding

Please refer to the PDS for all conditions that apply.