Budget Direct Travel Insurance

Budget Direct Travel Insurance review of policies. Compare options and save with the promo code.

Budget Direct Travel Insurance Deals

Offering a variety of travel insurance policies, Budget Direct Travel Insurance has you covered whether you're travelling on a budget or after something more comprehensive.

Budget Direct travel insurance promo code

Compare travel insurance policies from Budget Direct

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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

What policies are on offer?

Budget Direct offers five different policies to suit all travellers.

Comprehensive

Essentials

Last Minute

Domestic

Annual Multi-trip

Get a quote from Budget Direct

Budget Direct travel insurance review of benefits

Compare Budget Direct travel insurance policies side by side to see which policy would be most suitable for your trip.

Benefits Comprehensive Essentials Last Minute Domestic Annual Multi-trip
Additional expenses $40,000 $12,500 $5,000 $5,000 $40,000
Alternative transport expenses $5,000 $2,500
$2,500 $5,000
Cancellation and amendment fees Unlimited $12,500
$10,000 Unlimited
Cutting your trip short Unlimited $12,500
$7,500 Unlimited
Delayed luggage allowance $600 $400
$250 $600
Hijack $1,500
$1,500
Hospital cash allowance $75 per completed 24 hours up to $2,500 $75 per completed 24 hours up to $1,000
$75 per completed 24 hours up to $2,500
Loss of income $10,400
$10,400
Luggage and personal effects* $7,500 $5,000 $2,500 $5,000 $7,500
Overseas medical and hospital expenses Unlimited Unlimited Unlimited
Unlimited
Personal accident* $40,000 $30,000
$15,000 $40,000
Personal liability $5,000,000 $2,000,000 $1,000,000 $1,500,000 $5,000,000
Pet care $500
$500
Rental vehicle insurance excess $6,000 $4,000
$4,000 $6,000
Resumption of journey $3,000
$3,000
Travel delay expenses $100 per completed 12 hours up to $2,000 $50 per completed 12 hours up to $1,000
$50 per completed 12 hours up to $1,000 $100 per completed 12 hours up to $2,000
Travel documents, credit cards and $5,000 $2,500
$5,000

*Conditions such as variable claim limits apply. Table last updated 26th July 2019

Finder's favourite features about Budget Direct Travel Insurance

    1. Couples cover. Get a group discount if you're travelling as a twosome (or moresome).
    2. Cruise cover. All four international policies cover cruise as standard rather than as an add-on.
    3. Multi-policy discounts. If you have other policies with Budget Direct, you can save 20% on your travel insurance.

Are there any policy add-ons?

One of the major perks of taking out international travel insurance with Budget Direct is that you won't need to buy extra cover if you're heading on a cruise. However, there are a few additional cover options that come for an added price:

  • Pre-existing medical conditions. Budget Direct cover up to 27 pre-existing medical conditions such as epilepsy, diabetes and acne, however you will need to pay a bit extra for cover. If your condition is not listed, Budget Direct may not pay any claims related to your condition.
  • Snow Sports Cover. If you're planning on hitting the slopes at any stage during your trip, you might want to look at the snow sports cover, which protects you from the costs of piste closure, damage to your ski gear, avalanche cover and more.
  • Additional Specified Items Cover. If you're travelling with an item that costs more than single item limit of your Budget Direct policy, you can select the additional specified items cover, which can protect items up to a maximum value of $4,000.
  • Excess reduction. Budget Direct has three excess options: $200, $100 and $0 excess. If you don't want to pay as much for your policy upfront, you can select the $200 option but pay more at claim time or vice versa select the $0 option and pay more for your policy but nothing come claim time.

Is cover from Budget Direct expensive?

How much you'll pay for cover will depend on a few variables such as your age, where you're going, for how long and what activities you're planning on doing while you're there. Since there are so many variables it's hard to say whether one provider is more or less expensive than the other.

However, after completing a range of dummy quotes for different destinations, both the Essential and Last Minute policies from Budget Direct consistently cost less than the average policy in the results from the Finder Travel Insurance comparison tool.

And while the Budget Direct Comprehensive Travel insurance might cost slightly more than the average policy, it consistently ranks as one of the most comprehensive policies according to the Finder Rating.

For example, Budget Direct Last Minute Travel Insurance costs roughly 32% less than Budget Direct Comprehensive Travel insurance. This might seem like a huge saving but since travel insurance is relatively inexpensive, the savings won't change your life.

You're also getting a lot less bang for your buck. The Last Minute option only covers 4 of the 18 items covered by the Comprehensive policy, meaning that while you're saving 32% in monetary terms, you're losing about 78% of the cover provided by the premium option.

Compare policies with Budget Direct

How can I save on Budget Direct travel insurance?

Looking to save money travel insurance? Here are some ways to cut costs with Budget Direct:

  1. Opt for a lower level of cover. If cost is all you're concerned about you can choose the Last Minute Travel Insurance option, though as I previously stated it doesn't represent great value for money.
  2. Use a Budget Direct Travel Insurance promo code. If you're after a discount on your travel insurance from Budget Direct, there are always promo codes floating around on the Internet. Check out the latest codes on Finder.
  3. Multi-policy discounts. If you already insure your home or car with Budget Direct, you can get 20% off your travel insurance.
  4. Check your excess. Opting for the highest excess means you'll pay less upfront for cover but need to pay the full excess should you lodge a claim.

What happens if I need to make a claim?

If you do need to file a claim, the process is relatively straightforward. What you'll need to provide is:

  • Policy number
  • Details about the accident: time, date etc.
  • Supporting evidence: police or medical reports, receipts, etc.
  • Personal details: name, age, etc.
  • Payment details: account name, number, etc.
  • Travel details: where, when, etc.

Budget Direct claim and contact details

EClaim via email: Complete your claim form and send it along with any other supporting information to budgetdirect@travelclaims.com.au

Claim via post: Complete your claim form and send it along with any other supporting information to;
Budget Direct Travel Insurance
Locked Bag 3018
Toowong DC, QLD 4066

Claim online: Complete your claim form and upload it along with any other supporting information through Budget Direct online claims centre; https://claimmanager.com.au/budgetdirect/agreement

Emergency assistance: +61 7 3360 7735 (reverse charges)

Budget Direct Travel Insurance FAQ

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18 Responses

  1. Default Gravatar
    Jo-anneApril 24, 2019

    Hi! I require 12 months travel insurance for Germany. The consul requires 30,00 euro for medical evacuation/ repatriation of body in case of death. Can you please advise if the unlimited medical covers this?

    • Avatarfinder Customer Care
      MaiApril 25, 2019Staff

      Hi Jo-anne,

      Thank you for reaching out to Finder.

      Budget Direct will cover for medical evacuation or repatriation based on your specific needs. You may need to check with your specific policy it the 30,000 EU so covered by your policy as the approval is still subject to an assessment and approval by Budget Direct.

      You can reach out to Budget Direct to verify so they can check on your policy coverage too.

      Hope this helps! 😊

      Kind Regards,
      Mai

  2. Default Gravatar
    DebMarch 13, 2019

    Hi, on a 7 month trip to the UK, how can we make sure we’re covered for countries that we suddenly decide to visit? Or, can we add to our insurance whilst away, i.e. If we decide to go to Canada for 2 weeks, can we pay the extra prior to departure?

    • Avatarfinder Customer Care
      MaiMarch 14, 2019Staff

      Hi Deb,

      Thanks for contacting Finder and for leaving a question about Budget Direct Travel Insurance.

      Once you are on a trip in the UK and decided to go to another country that is not supported by the region that you purchased, you can log in to your Budget Direct account and purchase a policy to add a new country, say Canada for instance. You can also head to Budget Direct’s website and chat with one of their representatives who can add add a cover for you. It can be done anytime even if you are already on a trip.

      Hope this helps and ​please feel free to contact us back should you require further assistance.

      Kind Regards,
      Mai

  3. Default Gravatar
    brettMarch 1, 2019

    I have a 125cc motorcycle in Philippines am I coverd if im riding it there

    • Avatarfinder Customer Care
      NikkiMarch 2, 2019Staff

      Hi Brett,

      Thanks for reaching out! As it says on our page, Budget Direct covers overseas emergency medical assistance – it offers unlimited cover for all plans excluding the domestic plan. For further information, you can check the part on the page that says “Budget Direct Travel Insurance benefits.”

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  4. Default Gravatar
    EdwardNovember 19, 2018

    I am 83 years old. Is medical cover unlimited for Europe?

    • Avatarfinder Customer Care
      JohnNovember 20, 2018Staff

      Hi Edward,

      Thank you for leaving a question.

      Yes, Budget direct does cover until 100 years old. Depending on the policy you take out with them, medical cover may be unlimited for a European tour. Hope this helps!

      Cheers,
      Reggie

  5. Default Gravatar
    Alicia,February 21, 2017

    We will travel for 6 months overseas (Philippines) and will be back to Australia on Aug 20 2017. Although we want to purchase comprehensive insurance for 3 months only until May 31st 2017 and renew the policy for another 3 months, is that possible? Pls advice…..thanks

    • Avatarfinder Customer Care
      ZubairFebruary 21, 2017Staff

      Hi Alicia,

      Thank you for your question.

      You have contacted finder.com.au and not actually Budget Direct Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      You may need to organise two single trip policies or annual multi-trip policy if you will come back to Australia within the six-month duration. If it is a continuous trip without coming back to Australia, you may be eligible for a one-time single trip policy.

      Cheers,
      Zubair

  6. Default Gravatar
    SusanneMarch 23, 2016

    I am 79 and my husband is82.We are after a single trip travel insurance with preexisting conditions
    Will you insure us?

  7. Default Gravatar
    VickiJanuary 26, 2016

    What is the cheapest insurance for a passenger travelling on a ship to the South Pacific aged 86

    • Avatarfinder Customer Care
      RichardJanuary 27, 2016Staff

      Hi Vicki,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to compare the policies from the travel insurance brands in out panel, please enter your travel details into the comparison tool on the quote tool on the travel insurance homepage.

      I hope this was helpful,
      Richard

  8. Default Gravatar
    ThanhOctober 7, 2015

    I would like to buy the travel insurance to Vietnam but I don’t know the insurance cover or not for high blood pressure and diabetes

  9. Default Gravatar
    CarolJune 20, 2014

    Hi
    I’m looking to take out Budget Direct Platinum Travel Insurance.
    1. I’m travelling to Canada and Bali – please confirm that I select Worldwide travel
    2. Am I covered in Bali if i have an accident whilst riding a bicycle?
    with thanks, Carol Crowe

    • Avatarfinder Customer Care
      WilliamJune 20, 2014Staff

      Hi Carol,

      Thank you for your enquiry regarding the Budget Direct Platinum Travel Insurance policy.

      1. As Bali and Canada are both listed under separate regions, yes you would select Worldwide.
      2. I have not been able to find any exclusions for claims related to riding a bicycle in the Budget Direct PDS. No claim will be paid if “Your claim Arises from being in control of a Moped or Scooter without a current Australian motorcycle or drivers licence, or you are a passenger travelling on a Moped or Scooter that is in the control of a person who does not hold a current motorcycle or drivers licence valid for the country you are travelling in. You may wish to clarify by contacting Budget Direct directly on 1800 062 750

      All the best.

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