Whether you’re on an overseas cruise or you’re a grey nomad exploring Australia, Budget Direct offers a wide range of options for seniors travel insurance cover.
Our travel insurance policies cover what's most important — your health and safety — so you can get the most out of your next big adventure.
What's Covered by Seniors Travel Insurance?
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses^
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Amendment or cancellation costs (such as non-refundable, prepaid travel or accommodation)^
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Luggage and personal effects (such as your clothes, suitcase, phone, smart watch or laptop)^
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Activities including surfing, bungee jumping and zip lining
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Some COVID-19 self-isolation expenses up to $2,500**
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Amendment or cancellation costs due to COVID-19**
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Optional cover variations such as Adventure Activities and Snow Sports**
What's Not Covered by Seniors Travel Insurance?
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Mandatory quarantine or isolation order related to cross area, border, region or territory travel
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Any medical, dental or hospital expenses in Australia
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Loss of luggage or personal effects left unattended in a public place
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Childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born
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Errors or omissions in your travel bookings
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.
^Sub-limits apply.
*Where ‘$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.
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.
Choose Your Seniors Travel Insurance Policy
15%^ OFF
When you get a quote and buy a new policy online
Our most extensive international Travel Insurance policy can provide cover for our full list of benefits and entitles you to our maximum benefit limits.
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Luggage and personal effects – Up to $10,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses – Up to $2,000
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Travel amendment or cancellation costs – Up to $10,000 (or the amount you choose) per policy
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Rental vehicle excess – Up to $10,000
15%^ OFF
When you get a quote and buy a new policy online
Our essential international travel policy provides cover for fundamental benefits and entitles you to generous benefit limits.
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Luggage and personal effects – Up to $5,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses – Up to $1,000
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Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
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Rental vehicle excess – Up to $4,000
15%^ OFF
When you get a quote and buy a new policy online
Our basic level of cover for international travel provides cover for an $Unlimited* amount of overseas emergency medical and hospital expenses.
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Luggage and personal effects – Up to $2,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses – Up to $500
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Travel amendment or cancellation costs
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Rental vehicle excess
15%^ OFF
When you get a quote and buy a new policy online
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.
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Luggage and personal effects – Up to $2,000 (sub-limits apply)
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Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
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Rental vehicle excess – Up to $10,000
*Where ‘$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.
Benefits Included in Seniors Travel Insurance
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.
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.
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.
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.
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.
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.
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.
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.
Get a Quote Online and Save 15%^
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
Upgrade Your Seniors Travel Insurance Cover
For an additional premium, you can customise your Seniors Travel Insurance policy when you add one or more of the following optional covers to your policy:
There are two levels of Snow Sports Cover:
Snow Sports cover includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.
Snow Sports+ cover includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding as well as heli-skiing/boarding.
See the full list of snow sports included in Snow Sports and Snow Sports+ cover.
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.
This benefit is excluded from our Basic 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.
There are two levels of Adventure Cover:
Adventure cover includes quad biking, sailing, water skiing and more.
Adventure+ cover includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.
See the full list of activities included in Adventure and Adventure+ cover.
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.
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.
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.
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.
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.
With Budget Direct, you can conveniently make a claim online at any time of the day or night, 365 days a year.
Or you can call us at 1300 792 001 within Australia or +61 2 8907 5079 overseas.
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.
Seniors Travel Insurance FAQs
Yes, you can still get Travel Insurance cover if you have an existing medical condition. Budget Direct Travel Insurance covers a range of existing medical conditions automatically (subject to the criteria).
For other existing medical conditions, 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.
It’s up to you exactly when to buy travel insurance. However, it should be purchased before your trip commences.
Otherwise, if you’ve left home and are already on your trip when buying the policy, your cover is subject to a 3-day no-cover period. This means the Period of Insurance will not commence until 3 days after the travel start date/policy issue date shown on your Certificate of Insurance.
By getting Budget Direct Travel Insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel-related expenses if you’re forced to cancel your trip due to an insured event such as an unforeseen illness or injury.
Note: Our Basic Travel Insurance plan does not include the Amendment or Cancellation Costs benefit.
Yes, we have an age limit foreach 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
You can get a Budget Direct single-trip policy for up to 12 months.
If you’re a frequent traveller, you might be interested in purchasing an Annual Multi-Trip policy. With this policy you can choose a maximum trip duration (15 or 30 days for domestic or 30, 45 or 60 days for International) 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. Not available on Basic plans.
Yes, all of Budget Direct’s international Travel Insurance plans – Comprehensive, Essential and Basic – include an $Unlimited* cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses for coverable conditions including:
- Emergency medical treatment
- Ambulance transportation
- Surgery and hospital costs
- Emergency repatriation/evacuation
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured. There is no cover for any medical, dental or hospital expenses in Australia.
