Whether you’re travelling overseas to visit family and friends, going on a cruise, or grey-nomading around Australia, we’ve got a wide range of travel insurance for you to choose from.

All of our international travel insurance policies cover what’s most important – your health and safety – with unlimited cover for overseas emergency medical and hospital expenses.

What’s covered?

Depending on the type of travel insurance you choose, your cover can include:

Overseas medical and hospital expenses

Unlimited cover for emergency medical and hospital expenseas if you or your partner suffer an illness or injury during your international trip.

Cancellation and amendment fees

Cost of pre-paid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event (e.g. an unforeseen illness or injury).

Luggage and personal effects

Cost of repairing or replacing your jewellery, tablet computer, camera, etc., if they get lost, stolen or damaged during your trip (sub-limits apply).

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions (if your condition is not covered, you’ll still be covered for unforeseen overseas medical expenses not related to your condition).

Cutting your trip short

Cost of pre-paid travel, accommodation, meals, tours and activities if you have to return home early due to an insured event (e.g. if you fall ill or a relative in Australia dies or is hospitalised).

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.

Resumption of journey

Cover for the cost of an airfare to return you to the nearest international airport to where your original trip was cut short.

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.

Travel documents, credit cards and traveller’s cheques

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

Terms, conditions, limits and exclusions apply. For full details, please read the product disclosure statement.

Choose your cover

We offer five different types of travel insurance; the following two are popular among seniors:

(When deciding what type of cover might suit you, you’ll need to consider your own particular circumstances.)

Comprehensive Travel Insurance

If you travel in style, you may wish to consider comprehensive cover, which includes our full list of benefits and entitles you to claim up to our highest benefit amounts.
Read more

Domestic Travel Insurance

Planning to explore our sunburnt country? You might want to get this policy, which includes cover for cancellations and luggage and personal effects.
Read more

Compare all insurance

Compare all Budget Direct travel insurance before you buy and get the cover you want.
Compare all benefits and features

Upgrade your cover

For an additional premium, you can customise your 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

Additional Specified Items Cover

Increase the level of cover for your valuables – including cameras, smartphones, portable electronic equipment, and jewellery – by specifying them in your policy (Comprehensive and Annual Multi-Trip policies only).
Read more

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.

Pre-existing medical conditions

Budget Direct travel insurance covers 27 pre-existing health conditions.

These are diagnosed conditions that, in the past five years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication for.

If you have one (or more) of the 27 conditions listed below, we will cover it as long as you:

  • have not been hospitalised because of it in the past 24 months
  • tell us about it when you get a quote and buy cover.

If your condition is not covered, you will still be covered for claims (including overseas medical and hospital expenses) not related to your condition.

  • Acne
  • Asthma, as long as you:
    • have no other lung disease, and 
    • are less than 60 years old when you buy travel insurance.
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease
  • Congenital blindness
  • Congenital deafness
  • Diabetes mellitus (Type I), as long as you:
    • were diagnosed more than 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and
    • are less than 50 years old when you buy travel insurance.
  • Diabetes mellitus (Type II), as long as you:
    • were diagnosed more than 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia.
  • Dry eye syndrome
  • Ear grommets
  • Eczema
  • Epilepsy, as long as in the past 24 months you have not had any:
    • seizures, or
    • change to your medication.
  • Food intolerance
  • Gastric reflux
  • Glaucoma
  • Gout
  • Hay fever
  • Hiatus hernia
  • Hypercholesterolaemia (high cholesterol), as long as you do not also suffer from:
    • a known cardiovascular disease, and/or
    • diabetes
  • Hypertension (high blood pressure), as long as you do not also suffer from:
    • a known cardiovascular disease, and/or
    • diabetes
  • Hypothyroidism
  • Macular degeneration
  • Meniere's disease
  • Rhinitis
  • Sinusitis

Get a quote

Whether you’re after a cheap price or a policy with all the 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.

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 (PDS).

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.

Frequently asked questions

Which overseas destinations does Budget Direct travel insurance cover?

The following table shows the regions and countries covered by Budget Direct travel insurance:


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.


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.
Who can get Budget Direct travel insurance?

You can get Budget Direct travel insurance if you meet these two conditions:

  1. You have the required residency or citizenship status, namely:
    1. you are a citizen or permanent resident of Australia, or
    2. you are a non-permanent resident with a valid Medicare card, private health insurance or overseas student travel insurance in Australia
  2. You fall under the maximum age limits (see table below):
Maximum age Type of cover
75 years Essential, Annual Multi-Trip, Last Minute

100 years

Comprehensive, Domestic
When should I buy cover for my trip?

It’s up to you exactly when to buy travel insurance, however it must be purchased before you depart on your trip.

By getting travel insurance as soon as you’ve booked and paid for some or all of your trip, you’ll be covered for things like your pre-paid travel, accommodation, meals and tours if you’re forced to cancel your trip due to an insured event (unless you have a Last Minute policy, which does not include cancellation cover).

If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of up-to-30-days trips you take within 12 months to your chosen destination/s.

Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you would need to contact us or log into your online account and edit your policy.

What’s the longest amount of time I can get cover for one trip?

Twelve months for travellers aged 65 or under and 90 days for travellers aged between 66 and 100 (single-trip policy).

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

What insurance documents can I expect to receive?

Immediately after you’ve paid for your policy, we’ll email you:

  • your certificate of insurance, which will show your selected level of cover and travel destination/s
  • a product disclosure statement, which tells you everything you need to know about the product
  • a link to register an online account, so you can manage your travel insurance policy at your convenience, 24/7.

If you have any questions or concerns about your policy, please contact us.

§ Our Domestic policy does not cover medical and hospital expenses, as these are claimable in Australia from Medicare and/or your private health fund.

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