Travel Insurance Direct

Travel Insurance Direct Review

Cruise cover is included as standard with Travel Insurance Direct, and they offer emergency assistance around the clock, so you can always get help.

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • Compared to fifteen travel insurance companies that we reviewed, Travel Insurance Direct is one of few with a dedicated mobile app. This gives all policy holders instant access to their travel insurance policy and a hassle-free process to submit a claim.
    • This company offers a cover limit of $2,500 for 8 specific coronavirus related events, which includes quarantine and trip cancellation in some situations. It was one of only six brands we found that offered some sort of cover for travel impacted by COVID-19.
    • Travel Insurance Direct provides personal liability cover of up to $300,000 which is significantly less than competitors like Insure and Go and Southern Cross Travel Insurance that offer nearly five times as much for their domestic cover.

    Review by our senior insurance writer James Martin

    Travel Insurance Direct offers four policies to choose from, suitable for everyone from travellers on a shoestring to the luxury seekers amongst us. Compare and review each policy below.

    Summary of Travel Insurance Direct's The Works policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment FeesUnlimited
    Luggage and Personal Effects$12,000
    Maximum Age Limit80

    Table updated June 2020

    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.

    globe

    The Works

    A comprehensive policy that provides unlimited cover for overseas medical expenses, additional expenses and cancellation costs.

    photo

    The Basics

    The budget-friendly option that keeps you and your wallet happy.

    passport

    Annual multi-trip

    For the globetrotter. Enjoy the features of a comprehensive policy with cover for multiple trips within 12 months.

    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:

    Cover featureThe Works/Annual multi-tripThe BasicsDomestic
    Medical expenses incurred overseas
    • Unlimited
    • $5,000,000
    • No cover
    Dental expenses
    • $500
    • $500
    • No cover
    Cancellation costs
    • Unlimited
    • $3,000
    • $10,000
    Additional expenses and medical evacuation
    • Unlimited
    • $500,000
    • $10,000
    Loss of income
    • $9,000
    • No cover
    • No cover
    Out-of-pocket expenses
    • $6,000
    • $6,000
    • No cover
    Travel delay
    • $2,000
    • No cover
    • No cover
    Return airfare
    • $6,000
    • No cover
    • No cover
    Resumption of trip
    • $3,000
    • No cover
    • No cover
    Special events
    • $2,000
    • No cover
    • No cover
    Rental vehicle excess cover
    • $4,000
    • No cover
    • $4,000
    Withdrawal of services
    • $500
    • No cover
    • No cover
    Accidental death
    • $25,000
    • $25,000
    • $10,000
    Total permanent disability
    • $12,500
    • $12,500
    • No cover
    Luggage and personal effects
    • $12,000
    • $3,000
    • $4,000
    Personal liability
    • $2,500,000
    • $1,000,000
    • $1,000,000
    Cover featureThe Works/Annual multi-tripThe BasicsDomestic
    Medical expenses incurred overseas
    • Unlimited
    • $10,000,000
    • No cover
    Dental expenses
    • $500
    • $500
    • No cover
    Cancellation costs
    • Unlimited
    • $6,000
    • $20,000
    Additional expenses and medical evacuation
    • Unlimited
    • $1,000,000
    • $20,000
    Loss of income
    • $18,000
    • No cover
    • No cover
    Out-of-pocket expenses
    • $12,000
    • $12,000
    • No cover
    Travel delay
    • $4,000
    • No cover
    • No cover
    Return airfare
    • $12,000
    • No cover
    • No cover
    Resumption of trip
    • $6,000
    • No cover
    • No cover
    Special events
    • $4,000
    • No cover
    • No cover
    Rental vehicle excess cover
    • $4,000
    • No cover
    • $4,000
    Withdrawal of services
    • $500
    • No cover
    • No cover
    Accidental death
    • $50,000
    • $50,000
    • $20,000
    Total permanent disability
    • $25,000
    • $25,000
    • No cover
    Luggage and personal effects
    • $24,000
    • $6,000
    • $8,000
    Personal liability
    • $2,500,000
    • $1,000,000
    • $1,000,000

    Information last checked June 2020. 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:

    1. Log in with your email address and TID password you used when you bought the policy.
    2. Select "Make a new claim".
    3. 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".
    4. Write a detailed summary describing the actual event. It's easier to assess your claim when you provide more details.
    5. Answer a few questions specific to your claim so TID can tell you what supporting documentation you need.
    6. List the expenses you're claiming.
    7. TID will send you an email with further instructions, time to gather your receipts and supporting documents.
    8. Upload your documents online. Click "Select files" and choose the files you wish to upload.
    9. Review your claim and make sure all the details are accurate.
    10. 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

    Questions you still migth have about Travel Insurance Direct

    Compare Travel Insurance Direct policies today

    Picture: GettyImages

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    15 Responses

      Default Gravatar
      DonFebruary 8, 2019

      Can I renew the policy for a second year while in that country in this case Myanmar?

        Avatarfinder Customer Care
        JeniFebruary 11, 2019Staff

        Hi Don,

        Thank you for getting in touch with finder.

        If you need to renew your travel insurance with Travel Insurance Direct, kindly contact them directly. Please note that there are policies that allow you to take out travel insurance if you’re already overseas.

        I hope this helps.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

      Default Gravatar
      AnitaJuly 10, 2018

      will be travelling to Bali. Does the insurance cover flight cancellation or delay as a result of volcanic ash?

        Default Gravatar
        JoelJuly 10, 2018

        Hi Anita,

        Thanks for leaving a question on Finder.

        If you buy a new travel insurance policy for Bali today, you won’t be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, and the Mt Agung eruption is a known event. It’s basically like trying to get car insurance after you’ve had an accident, and expecting to be covered.

        Now for the good news: you can still get travel insurance for Bali. Should you bother? Definitely, because even if you’re not covered for the volcano, you’ll still be covered for things like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities and more, depending on the policy you choose.

        Cheers,
        Joel

      Default Gravatar
      AndreaFebruary 2, 2018

      Hi do you cover volcanic ash

        Default Gravatar
        AshFebruary 16, 2018

        Hello Andrea,

        Thank you for reaching out to us.

        Currently, no brand in our panel offers cover for the ash cloud in Bali. However, our list of Bali travel insurance would give you an idea of which brands offered to cover in the past. Please continue to check our pages as we are continuously updating them for any new issue statements regarding the ash cloud cover from different insurance providers.

        I hope this helps.

        Please do not hesitate to reach out to us again if you have additional questions.

        Cheers,
        Ash

      Default Gravatar
      MeganMay 13, 2017

      I need to purchase medical cover for my son who just got married to an American and is living in US. What typ of cover is suitable??

        Avatarfinder Customer Care
        ZubairMay 15, 2017Staff

        Hi Megan,

        Thank you for your question.

        You have contacted finder.com.au, a comparison and information service and not actually TID. As a comparison and information service, we are not permitted to provide our users with personalised financial advice or product recommendations.

        However, TID offers cover for Australian residents that are already overseas. You may compare TID and other travel insurance brands on our guide about travel insurance for Australians already overseas.

        While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

        I hope this helps.

        Cheers,
        Zubair

      Default Gravatar
      BarbaraMay 9, 2016

      Europe 31 May returning 28 June. Single policy, aged 69. Need pre existing condition of CLL covered. Take one pill, no other treatment, no hospitalisation, not terminal, not against doctor’s advice. No other conditions except minimal blood pressure and under active thyroid, both treated for at least past five years without change.
      Can you offer a policy?

        Default Gravatar
        ClareOctober 9, 2016

        Please do not use this company. TID ripped me off big time. They do anything they can to avoid paying you, I ended up $20 worse off than if I never claimed, and thousand of dollars in medical expenses they would not pay. Go with anyone else but never TID!!! Clare

        Avatarfinder Customer Care
        RichardMay 10, 2016Staff

        Hi Barbara,

        Thanks for your question. Many of the brands in our panel offer cover for pre-existing condition. Please review our travel insurance for pre-existing conditions page for more information.

        I hope this was helpful,
        Richard

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