Seniors Travel Insurance

If you’re a senior – aged 60 or over – travelling overseas to visit family and friends, going on a cruise, or grey nomading around Australia, we’ve got cover to suit your needs and budget – right up to your 100th birthday.

With Budget Direct, your partner and dependent grandchildren can all be insured under one policy, saving you time and money.

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

And if you’re travelling within Australia, we’ve got a policy that insures you against things like cancellation of your trip, lost luggage and personal effects, and rental vehicle insurance excess.

What’s covered

Depending on your level of cover, your benefits can include:

Cancellation of your trip: If you have to cancel your holiday due to unforeseen circumstances – such as an illness, accident or job loss – we’ll cover the cost of prepaid travel, accommodation, meals, tours, activities, and visas. Yes
Overseas medical and hospital expenses: If you or your partner fall ill or are injured during your overseas trip, we’ll give you unlimited cover for your emergency medical and hospital expenses. This includes the cost of your return to Australia earlier than planned, if medically necessary. Yes
Luggage and personal effects: If your luggage or personal effects (e.g. jewellery, camera, mobile phone) get lost, stolen or damaged during your vacation, we’ll pay you up to $7,500. Yes
Rental vehicle insurance excess: If you hire a car on your holiday and it’s damaged or stolen, we’ll pay you up to $6,000 to cover the hire-car insurance excess. Yes
Pre-existing medical conditions: Automatic cover for 27 pre-existing medical conditions. (If your pre-existing medical condition is not covered, you would still be covered for any unforeseen medical expenses not related to your condition.) Yes

Sub-limits apply – please see Part 3 of the PDS for more details.

Choose your cover

We have five levels of travel insurance cover for you to choose from, according to your needs and budget.

Compare travel insurance cover

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.

Get a quote

Whether you’re after cheap travel insurance or a policy with all the bells and whistles, we’ve got a wide range of cover for you to choose from.

Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.

Get a Quote

How to make a claim

If your trip didn’t go entirely to plan and you wish to make a claim, we’re here to help.

Make a claim on your Budget Direct travel insurance policy

Frequently asked questions

What’s the maximum age limit for Budget Direct travel insurance?

100 years old (Comprehensive and Domestic cover); and 75 years old (Essential, Annual Multi-Trip, and Last Minute cover) at the date of application.

Which countries does Budget Direct travel insurance cover?

We cover travel to every country in the world, except those:
  • 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.

When should I get cover for my trip?

As soon as you you’ve booked and paid for some or all of your trip. That way, if you’re forced to cancel your trip, you’ll be covered (conditions apply to cancellations – please see the PDS for full details).

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

Twelve months (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 policy).

What’s considered to be a ‘pre-existing medical condition’?

Any diagnosed medical condition which, in the last five years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication for.

Are any of the automatically covered pre-existing medical conditions subject to age restrictions?

Yes – you must be under 50 and 60 years of age in order to be automatically covered for Diabetes Mellitus (Type 1) and Asthma respectively.

Can I extend my travel insurance cover if I decide to stay overseas longer than originally planned?

Yes – provided you contact us before your original return date, you can extend your cover for a maximum total duration of 12 months.

What documents must I supply in support of my claim?

Documents that corroborate the incident that led to your claim, prove the ownership and value of any lost, stolen or damaged items, and verify any costs you incurred. These include airline, tour operator and police reports, receipts, valuation certificates, and medical accounts.

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