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.

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.
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.
Includes countries in Africa, Europe, Scandinavia, the Middle East, the Caribbean, and Russia.
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:
  • the Australian Government advises people not to travel to (i.e. countries rated ‘Level 4 – Do not travel’). To find out the risk rating of your destination/s, visit the federal government’s Smartraveller website.
  • subject to an embargo from the UN Security Council or any international organisation to which Australia belongs
  • involved in international conflicts or interventions involving the use of force or coercion.

What’s covered?

Depending on which level of international travel insurance you choose, your cover can include:

Overseas medical and hospital expenses

Unlimited amount for overseas emergency medical and hospital expenses if you suffer an illness or injury during your international trip (excluding pregnancy and childbirth).

Cancellation and delays

Cancellation fees and lost deposits on pre-paid travel, accommodation, meals, etc.; and travel delay expenses. (Excluding epidemics, pandemics and infectious disease outbreaks.)

Luggage and personal effects

Cost of repairing or replacing your clothes, shoes and valuables (e.g. smartphone, jewellery) if they get lost, stolen or damaged during your trip (sub-limits apply).

Personal liability

Payment of up to $5 million in case you’re held legally liable for accidentally injuring someone else or damaging or losing someone else’s property during your trip.

Travel documents, credit cards and travellers cheques

Cost of replacing your passport, visas, travel money cards, traveller’s cheques and credit cards if they’re lost, stolen or damaged.

Delayed luggage allowance

Cost of buying essential items if any of your baggage is delayed by an airline or transport company for more than 24 hours.

Additional expenses

Extra accommodation, meals and travelling expenses — over and above what you budgeted for — if your trip is disrupted or you have to return home early due to an insured event.

24/7 emergency assistance hotline

Access to a worldwide, around-the-clock network of medical and emergency assistance providers, who can help if you lose your passport, need medical attention, or have to be evacuated. Read more

Rental vehicle excess

Any hire-car insurance excess you become liable to pay as a result of the car being damaged or stolen during your overseas trip.

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 Travel Insurance


Our most extensive policy, covering you for our full list of benefits and entitling you to our maximum benefit amounts.
Read more

Essential Travel Insurance


A critical level of protection at a cheaper price, providing essential benefits and entitling you to generous benefit amounts.
Read more

Last Minute Travel Insurance

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 Insurance

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:

Snow Sports Cover

Insures you against loss or injury while skiing, snowboarding, ice-skating and more, including the cost of snow sports equipment, lift passes and ski packs.
Read more about Snow Sports Cover

Additional Specified Items Cover

Increase the level of cover for your valuables — including gadgets and jewellery — by specifying them in your policy (Comprehensive and Annual Multi-Trip policies only).

Excess reduction

Halve your excess from the standard $200 to $100; or choose to have no excess.

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.

Read more about overseas medical emergency assistance

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.

Read more about travel insurance and missed flights