Whether it's travelling the world in a gap year or visiting Bali for a week, backpacking or travelling in style, going on a working or an adventure holiday, Budget Direct offers a wide range of travel insurance for students.

Tell your loved ones not to worry: All of our international travel insurance policies cover an unlimited amount of 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 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 belongings, including your valuables, 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 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 delays

Cancellation fees and lost deposits on pre-paid travel, accommodation, meals, etc.; and travel delay expenses. (Excluding epidemics, pandemics and infectious disease outbreaks.)

Travel documents, credit cards and travellers cheques

Replacement passport, visas, travel money cards, travellers cheques and credit cards if they're lost, stolen or damaged during your trip.

Additional expenses

Extra accommodation, meals and travelling expenses 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.

Not all benefits apply to all levels of cover.
Terms, conditions, limits, *sub-limits and exclusions apply.
For full details, please read the Product Disclosure Statement (PDS).

Choose your cover

Budget Direct offers five 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 circumstances.)

Comprehensive Travel Insurance

Prefer to leave nothing to chance? Our comprehensive cover includes our full list of benefits and entitles you to claim up to our highest benefit amounts.
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Last Minute Travel Insurance

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.
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Compare all insurance

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

Upgrade your cover

For an additional premium, you can add 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. Includes cover for the cost of snow sports equipment, lift passes and ski packs.§
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Additional Specified Items Cover

Increase the level of cover for your valuables by specifying them in your policy. (Comprehensive and Annual Multi-Trip policies only.)
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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 bought 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 leave on your trip and within 14 days of the purchase date.

Covered sports and activities

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

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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 lots of bells and whistles, we’ve got a wide range of travel insurance 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 all the terms, conditions, limits and exclusions, 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 sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

How many people can be covered under one travel insurance policy?

With Budget Direct, you can get cover for up to 10 travellers on the one policy.

When should I buy travel insurance?

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

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 pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is 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 will need to contact us or log into your online account and edit your policy.

Find out more

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 aged 65 or under; or up to 90 days if you’re aged between 66 and 100.

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).

Does travel insurance cover mobile phones?

Yes – all Budget Direct policies except Last Minute include cover for mobile phones.

For more details, including the terms, conditions, limits and exclusions that apply, please see the ‘Luggage and Personal Effects’ section of the product disclosure statement.

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