TID has been around since 2002 and focuses on the "what ifs" of travel: "What if my luggage goes missing?" or "what if my flight is cancelled?". Its office is based in Sydney so you know if you need help, there'll be someone at home who's got your back.
Finder's 3 favourite features about Travel Insurance Direct
A handy iPhone app so you can access your policy, contact customer service and get travel tips
Automatically included cruise cover (which isn't a typical feature)
24/7 emergency assistance based in Australia
Get quotes for Travel Insurance Direct policies
Travel Insurance Direct is underwritten by XL Insurance Company SE, Australia branch, part of AXA XL, a division of AXA.
What policies does Travel Insurance Direct offer?
TID offers a range of options for its customers. Whether you're cruising, backpacking or snowboarding, it will have something for you. Compare the different policies to find your best option.
The Works (comprehensive international insurance). The highest cover TID offers. The Works is a comprehensive policy that provides unlimited cover for overseas medical expenses, additional expenses and cancellation costs. Another great feature is that rental vehicle excess cover is automatically included.
The Basics (budget international insurance). The budget-friendly option that keeps you and your wallet happy. The Basics covers your usual benefits such as medical expenses and luggage, it just caps off at certain amounts. See the comparison table for more details.
Domestic. For those who love to explore their own backyard. Get cover for cancellation costs, luggage and personal effects. Be mindful that medical expenses are not covered under any domestic policy because of Medicare.
Annual multi-trip. For the globetrotter. If you've planned two or three trips in a year, you might want to consider the benefits of a multi-trip policy. Enjoy the features of a comprehensive policy and travel as much as you like within 12 months. You can only travel up to 38 days at a time for leisure and 90 days for business.
What will my Travel Insurance Direct policy cover?
TID policies cover a range of benefits. We've outlined a few of them below, just keep in mind allowances can vary depending on your chosen policy.
Overseas medical expenses. TID will cover the cost of emergency treatment if you fall sick or get injured while you're travelling, so don't miss out on that street food in Mexico.
Cancellation costs. Unfortunately, cancellations do happen when you're travelling, but at least you won't bear the cost if the reason is out of your control. For example, if the doctor recommends you don't fly due to an ear infection.
Additional expenses and medical evacuation. If your travel plans are disrupted due to events such as bad weather, travel delay or even due to your own medical care, you can be covered for the costs of the extra travel and accommodation.
Return airfare. The cost of your original airfare is covered under this benefit if a medical practitioner recommends you come home to Australia for treatment.
Luggage and personal effects. While your belongings are protected while you travel, you need to ensure all precautions are taken to safeguard your possessions from potential loss or theft.
Special events. If you're traveling for a special event such as a conference or wedding, you can be covered if travel disruptions stop you from making it on time.
What add-ons are available?
TID offers add-ons to tailor your policy to your needs by paying a bit more.
Snow sports. Hitting the slopes? You might need to add on cover for activities such as skiing, snowboarding and even dog sledding. This add on covers you for piste closure, snow sports gear, hired ski equipment and recovering pre-paid costs if you're unable to ski for more than 24 hours due to sudden illness or serious injury.
Valuable items. Taking your engagement ring on the trip? This add-on provides extra cover above the standard levels of the policy for specific items such as jewellery, mobile phones and musical instruments.
What isn't covered by Travel Insurance Direct policies?
As with any travel insurance policy, there are some things that are generally excluded, such as:
Costs involved with the insolvency of a travel service provider. This means if the airline files bankruptcy before your flight, you may not be able to claim to recover the costs.
Costs involved if you don't sort out the right travel documents such as passports and visas.
You decide to travel against the advice of mass media or government warnings.
If you're drunk or under the influence of drugs and something happens which leaves you out of pocket.
Costs involved with the loss of enjoyment.
You leave your luggage or belongings unsupervised and they're stolen or damaged.
If you don't take reasonable care and get into a financial pickle.
Are pre-existing medical conditions covered?
Yes. TID covers 43 existing medical conditions as standard, such as asthma, migraines and allergies. Check out the PDS to see if your condition is covered. If you have a more serious condition that you were hospitalised for or are undergoing treatment for, you might want to take a medical assessment before purchasing a policy as these conditions are generally excluded. This could increase the total cost of your premium.
How do the plans compare?
To get an idea of what each policy covers, have a look at the table below:
Information last checked June 2019. Always read the PDS before buying a policy.
How do I make a claim?
The easiest way to make a claim on your policy is online through the TID website. Have your insurance documents ready and follow these steps:
Log in with your email address and TID password you used when you bought the policy.
Select "Make a new claim".
Answer a few questions so TID can understand what type of claim you're making, e.g. additional expenses or travel delay, then click "Continue to the next step".
Write a detailed summary describing the actual event. It's easier to assess your claim when you provide more details.
Answer a few questions specific to your claim so TID can tell you what supporting documentation you need.
List the expenses you're claiming.
TID will send you an email with further instructions, time to gather your receipts and supporting documents.
Upload your documents online. Click "Select files" and choose the files you wish to upload.
Review your claim and make sure all the details are accurate.
Confirm your contact details, complete the declaration and click "Submit".
If you need any more assistance with your claim, you can always email or call TID.
How do I contact Travel Insurance Direct in case of an emergency?
TID's Emergency Assistance is available 24/7 worldwide. Reverse-charge calls are accepted and can be reimbursed when submitting your claim.
+61 2 8256 1523
Or +61 2 9234 3123
Any more questions?
TID is underwritten by XL Insurance Company SE, Australia branch, part of AXA XL, a division of AXA.
Yes. The Works and Domestic insurance have a maximum age limit of 81, while The Basics and Annual multi-trip cover are only available to travellers 76 and under.
TID's office is based in Sydney, Australia.
Yes. International policies can be extended up to a maximum of 12 months while domestic policies can be extended up to 6 months. You need to extend the policy before the expiration date (think Sydney time). This can be done online.
Yes. TID offers a choice of $0, $100 or $200 excesses.
Yes. A 14-day cooling-off period begins as soon as you purchase cover. You'll be entitled to a full refund if you cancel during this time.
Yes. TID covers your dependent children and grandchildren (under 21) for free when they travel with you for the majority of your trip.
As Group Publisher for Insurance and Utilities, Zahra Campbell-Avenell leads a team of over 15 experts to deliver on Finder’s mission to help Australians make better financial decisions. Zahra has a Bachelor’s degree from Georgetown University in Washington DC, with a double major in Anthropology and English. She has worked for companies such as Booking.com and Bank of America, as well as a number of non-profit organisations.
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