Whether you’re travelling the world on your gap year or visiting Bali for a week, backpacking or travelling in style, going on a working or an adventure holiday, we’ve got a wide range of travel insurance for you to choose from.

Tell your loved ones not to worry: All of our international travel insurance policies provide an unlimited amount for overseas emergency medical and hospital treatment.

What’s covered?

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

Overseas medical and hospital expenses

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

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).

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.

Sports and activities

Cover for more than 90 sports and activities, including bungee jumping, hot-air ballooning, scuba diving – even ostrich riding.

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).

Travel documents, credit cards and traveller’s cheques

Cover for the cost of replacing your passport, visas, travel money cards, travellers’ cheques and credit cards if they are lost, stolen or damaged during your trip.

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.

Overseas medical and emergency assistance

Access to a worldwide, 24/7 network of medical and emergency assistance providers, who can help if you lose your passport, need medical attention, or have to be evacuated.

Rental vehicle insurance excess

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

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Choose your cover

Budget Direct offers five different types of travel insurance; the following two are popular among young travellers:

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

Comprehensive Travel Insurance

If you prefer to leave nothing to chance, 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

Last Minute Travel Insurance

If you’re looking for a basic level of protection at our lowest price but still want cover for your belongings and medical and hospital costs, this policy could be the one for you.
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 smartphone, laptop, and camera – 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.

Covered sports and activities

All of our international and domestic travel insurance policies cover you for 90+ sports and activities.

(Note that medical and hospital costs incurred in Australia are claimable from Medicare and/or your private health fund.)

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What’s not covered?

There are some incidents and circumstances we do not cover – called ‘exclusions’ –  including:

Failure to get relevant inoculations or vaccinations No
Errors or omissions in your travel bookings No
Incidents involving drugs or alcohol No
Loss of luggage and personal effects left unattended No
Countries listed as ‘Do not travel’ on the federal government’s Smartraveller website No
Pre-existing medical conditions – other than the 27 conditions we cover No
Medical and hospital expenses incurred in Australia (which are already claimable from Medicare and/or your private health insurer). No

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.

Award-winning travel insurance

After comparing all the policies in their database, Australia’s largest comparison site, finder, awarded us their Best Travel Insurance (Comprehensive) title in 2018.

We also won Mozo Experts Choice 2018 Exceptional Value travel insurance awards in the 'Basic' category (for our Last Minute policy) and the 'Annual' category (for our Annual Multi-Trip policy).

finder Awards 2018 Winner, Best Travel Insurance (Comprehensive)
MOZO's Experts Choice 2018 - Exceptional Value Basic Travel Insurance
MOZO's Experts Choice 2018 - Exceptional Value Annual Travel Insurance

Frequently asked questions

Can’t I get travel insurance through my airline or cruise line?

Yes – many airlines and cruise operators encourage you to buy travel insurance at the same time you buy your air or cruise tickets; often, all you need to do is tick a travel-insurance check box.

However, you can end up paying hundreds of dollars more (described by consumer advocacy group Choice as a “tick-box tax”) for the policy compared to one purchased through a direct insurer.

Also, the cover provided by an airline or cruise company may be less comprehensive than that offered by a direct insurer (like Budget Direct).

In short, it can pay to shop around.

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.
When should I get 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).

Are claims for lost or stolen mobile phones covered?

All of our travel insurance policies except Last Minute cover you for a lost or stolen mobile phone, as long as you:

  • give us your phone’s international mobile equipment identity (IMEI) number, and
  • have asked your provider to block the IMEI number (rendering the phone useless).

§ 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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