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.
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.
ΔSub-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.
Cover Multiple Trips for Frequent Travellers
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.
Our most extensive international travel insurance policy
will provide cover for our full list of benefits and entitles you to
our maximum benefit amounts.
Luggage and personal effects – Up to $10,000 (sub-limits apply)
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.
Luggage and personal effects – Up to $2,000 (sub-limits apply)
Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
*Where ‘$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.
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.
Amendment or Cancellation Costs
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.
Existing Medical Conditions
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.
Rental Vehicle Insurance Excess
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.
Luggage and Personal Effects
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.
Personal Liability
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.
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.
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.
Overseas Medical Expenses and Emergency Assistance
With Budget Direct Travel Insurance Cover, you have 24/7 access to a
worldwide network of doctors, nurses, and case managers.
Depending on your needs, we can help you:
Find a medical facility and monitor your medical care
Pay medical bills (if your claim is approved)
Keep travelling or get home
Deal with lost passports, travel documents and credit cards
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
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:
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.
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.
Increase Luggage Item Limit
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.
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.
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 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.
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.
How to Make a Claim
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.
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.
Can I get travel insurance if I have an existing medical condition?
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.
When should I buy travel insurance?
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.
Are there age limits for travel insurance?
Yes, we have an age limit for each 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
How long can I get travel insurance for?
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.
Does travel insurance cover medical and hospital expenses overseas?
Yes, all of Budget Direct’s international Travel Insurance plans – Comprehensive, Essential and Basic – include an $Unlimited* cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses including:
Emergency medical treatment
Ambulance transportation
Surgery and hospital costs
Emergency repatriation/evacuation
*Where ‘$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.
