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Budget Direct Comprehensive Travel Insurance

For travel insurance that's got everything covered, check out Budget Direct's Comprehensive Travel Insurance

Budget Direct offers affordable insurance products that cater to the needs of over 1.5 million Australians. The company keeps its insurance premiums affordable by asking smarter questions which enable them to avoid subsidising ‘high-risk’ customers. This allows them to focus more on the low-risk sector, ensuring that premiums for their insurance products remain low.Budget Direct is a leading Australian insurance provider with innovative insurance products that cover everything from car, travel life and home insurance. Budget Direct has millions of customers across Australia and is well-known for providing policyholders with the cover they want at low premiums. Insuring with Budget Direct insurance will give you access to quality, affordable cover and increased savings.

Budget Direct Comprehensive Travel Insurance is designed to offer all-inclusive insurance cover to both frequent and occasional flyers for much less, offering them peace of mind.

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Rates last updated October 24th, 2016
Brands Product Product Details Apply
Budget Direct Travel Insurance Comprehensive

Unlimited overseas medical expenses

$40,000 disruption of journey

$7,500 luggage and personal effects

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What are the key benefits of this policy?

Key Benefits of Budget Direct Comprehensive Travel InsuranceWhat you are covered for
Cancellation and Amendment Fees
  • Should you have to cancel your trip for reasons such as your unforeseen death, illness or injury, an accident to your transport vehicle, bad weather or natural disasters in Australia, you will be covered for:
    • any travel and accommodation expenses along with pre-paid meal expenses for the trip prepaid costs of excursions, tours and other activities
    • cost of paid Visas that cannot be recovered from other sources.
Overseas Medical and Hospital Fees
  • Should you become ill, injured or die during your trip outside Australia, you will be covered for:
    • emergency medical, surgical or hospital treatment costs as well as any ambulance costs
    • the cost of returning to Australia early due to a medical emergency
    • should you be unable to return to Australia due to illness or injury, you will be covered for extra accommodation and travel expenses for you and a relative / friend to travel to your destination from Australia
    • up to $75 hospital cash allowance for each day you remain hospitalised outside Australia
    • up to $20,000 to cover the cost of returning your body or ashes to Australia or up to $10,000 to cover your funeral.
Cutting Your Trip Short
  • If you are forced to cut your trip short due to illness to you or a travelling partner, serious damage to your home or business or the sudden death or illness of a travelling companion or relative in Australia, you will be covered for:
    • prepaid travel, accommodation and meal expenses
    • the cost of excursions, tours and any other activities paid for before leaving for the trip
    • additional expenses should you have to return to Australia earlier than planned
    • any expenses you incur in the resumption of your trip within 60 days of returning to Australia.
Travel Delay Expenses
  • Should your final international flight be delayed due to a mechanical breakdown, bad weather or a strike, you will be paid a specified benefit for each complete period of delay as long as you eventually continue with your trip to or from Australia.
Luggage and Personal Effects
  • Items that are lost, damaged or stolen during your trip will be covered. The items must be accompanying you during your trip for personal use and must be owned by you. Please note that:
    • additional specified items cover is available, covering your specified items for up to $6000
    • the cover includes delayed items cover, paying you a specified benefit for the replacement of delayed luggage
    • you are also covered for lost passports, Visas, credit cards and travellers cheques
    • you are covered for the loss or theft of personal money accompanying you on your trip.
Personal Accident
  • If an injury you get during your trip results in events such as death, loss of sight or loss of limbs among others within 12 months, your estate will be paid a specified benefit. You are also covered for:
    • Exposure. You will be paid a specified amount if you suffer an injury due to expose to the elements.
    • Disappearance. Should you disappear for more than 12 months, the insurer will presume you are dead and pay a benefit to your estate.
Loss of Income
  • You will be paid a maximum of $3,466.66 per month should you suffer an injury that renders you unable to keep earning your income.
Personal Liability
  • You will be covered for any legal liability should you:
    • injuring someone
    • damage or lose someone else’s property.
Rental Vehicle Insurance Excess
  • Cover for any rental vehicle insurance excess you incur due to the damage or theft of a rental car in your control.
Alternative Transport Expenses
  • Cover for additional travel expenses to reach events such as weddings, funeral, conference or any other prepaid arrangement in the event that your planned transportation is delayed, diverted or cancelled.
  • You will receive a specified payment should your flight or ship be hijacked.
Pet Care
  • Cover for extra kennel or cattery fees if your final flight back to Australia is delayed by events such as bad weather, a strike or mechanical breakdown.
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Who is eligible for this insurance?

Budget Direct Comprehensive Travel Insurance is only available to travellers who are citizens or permanent residents of Australia. Non-permanent Australian residents who have a valid Medicare Card or Private Health Fund may also apply for this insurance policy. While applying for the policy, you may be required to provide proof in the following forms:

  • copy of your passport
  • Australian residency documents
  • birth certificate
  • copy of valid Medicare Card or Private Health Fund
  • any other documents proving residency or citizenship.

Age Limits

Australians aged 100 years or below are eligible for this travel insurance policy. The minimum age requirement during the time of application is 18 years, although an eligible person can purchase insurance for their financially dependent children or grandchildren who are below 18 years. The dependents will benefit from full adult cover if they are not travelling with their parents, though children under 16 years of age need to be fully supervised by parents or grandparents while travelling.

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What are the general exclusions?

Budget Direct Comprehensive Travel Insurance has several general inclusions that apply to the policy. You will not be covered for claims arising from:

    • your suicide or attempted suicide or attempts to deliberately injure yourself
    • directly or indirectly being harmed by drugs or alcohol unless the drugs are prescribed by a medical practitioner.
    • civil riots, blockades, strikes or any industrial action unless the event was not public knowledge at the time you booked your trip.
    • your involvement in any deliberate illegal, malicious or criminal activity.
    • the use of a two or three-wheeled vehicle unless you hold a driver’s licence for the

country you’re in or were wearing a helmet if you were a passenger on such as vehicle.

  • any incident that you were aware would probably lead to a claim while applying for the policy.
  • if you were aware of a medical condition that would lead to a claim, or had been diagnosed with a terminal disease prior to taking up the policy, you will not be covered under the policy for any claims resulting from that condition. Moreover, if you are travelling against the advice of a doctor or are going abroad to receive medical treatment, you will also not be covered.
  • your cancellation and amendment fees cover will not kick in if a relative, travelling companion or other person not insured under your policy had:
  • needed surgery, inpatient treatment or any medical consultations within a 90 day period prior to the start of the policy
  • needed any treatment or prescribed medication
  • had been diagnosed with a terminal illness before the policy started.
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What general conditions are there?

The following general conditions apply to your Budget Direct Comprehensive Travel Insurance.

  • You must inform Budget Direct of any matter that may affect their decision to accept your insurance e.g. participating in dangerous sporting activities while on vacation.
  • Before you make a claim after your policy, you must take all reasonable steps to reduce or avoid loss or damage.
  • You must provide the Budget Direct claims department with all documents they ask for at your own expense. Such documents may include medical certificates, receipts and vouchers.
  • If you make a fraudulent claim, this will result in your policy being cancelled and the premiums you have paid being forfeited. You will also be required to repay any benefits you have already received.
  • Any salvage sent to the claims department remains the property of the insurer after your claim has been settled.
  • Should you require hospitalisation, emergency transportation or repatriation to Australia, you must contact Budget Direct as soon as you can so that the insurer can approve the expenses and make the necessary arrangements.
  • The insurer will not cover any loss or liability covered by any other insurance policy, medical scheme or any Act of Parliament.
  • Any changes that occur between the date of purchasing your policy and your departure date for your trip should be disclosed to the insurer. This includes:
    • any new treatment or prescribed medication
    • changes to your treatment or prescribed drugs
    • any new illnesses, injuries or medical conditions.
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Apply for Budget Direct Comprehensive Travel Insurance today

If you are looking for a travel insurance policy that offers you wide-ranging travel protection at low premiums without compromising the your level of cover, then you should take a look at Budget Direct Comprehensive Travel Insurance.

Receive a quote for Budget Direct Comprehensive Travel Insurance

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4 Responses to Budget Direct Comprehensive Travel Insurance

  1. Default Gravatar
    Judy | July 4, 2016

    Do you offer comprehensive international travel insurance for seniors? If so, what are the inclusions, exclusions, period of cover and rates? Are there preferential rates for Budget Direct clients?

    • Staff
      Richard | July 5, 2016

      HI Judy,

      Thanks for your question. finder..com.au is a comparison service and not Budget Direct. Unfortunately, Budget Direct don’t have a multi-policy discount for travel insurance. However, they offer cover for travellers up to the age of 100. For more information about seniors travel insurance, please head to our seniors travel insurance article.

      I hope this was helpful,

  2. Default Gravatar
    Michele | June 3, 2016

    What countries does Worldwide cover. We are spending 8 weeks in Asia and then we are not sure where we will be going after that. Have not decided where to from there. Maybe Central America

    • Staff
      Richard | June 6, 2016

      Hi Michele,

      Thanks for your question. Worldwide will cover you for all countries excluding countries listed on the DFAT Do Not Travel list and countries subject to an embargo from the UN security Council or from any other international organisation to which Australia belongs.

      These conditions listed above are specific to Budget Direct (you can find these conditions by reviewing the Budget Direct Travel Insurance product disclosure statement) and can vary between insurers.

      I hope this was helpful,

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