Travel Insurance Direct (TID)

Travelling soon? Compare Travel Insurance Direct's policy options.

Travel Insurance Direct

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

Brands Product Product Details Apply
Travel Insurance Direct The Works

Unlimited overseas medical expenses

Unlimited overseas emergency medical assistance

Unlimited cancellation fees and lost deposits

$12,000 luggage and personal effects

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Travel Insurance Direct The Basics

$5 million medical expenses incurred overseas cover

$3,000 cancellation costs

$3,000 luggage and personal effects cover

$500,000 additional expenses / medical evacuation cover

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Travel Insurance Direct Multi-Trip International

Unlimited medical expenses cover

Unlimited overseas emergency medical assistance

Unlimited cancellation and lost deposits

$12,000 luggage and personal effects

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Travel Insurance Direct Domestic

$10,000 cancellation fees and lost deposits

$4,000 rental vehicle excess

$4,000 luggage and personal effects

$1,000,000 personal liability

Get quote

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:

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 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:

  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

Any more questions?

Compare Travel Insurance Direct policies today

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15 Responses

  1. 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

  2. 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.

      To compare providers, please click HERE.

      Cheers,
      Joel

  3. Default Gravatar
    AndreaFebruary 2, 2018

    Hi do you cover volcanic ash

    • Default Gravatar
      Ash MunozFebruary 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. But this page would give you an idea which brands offered cover in the past.

      Please continue to check our pages as we are continuously updating it 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

  4. 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 travel insurance for Australians already overseas page, in order to get the quote, please click on the green’Get quote’ button.

      Cheers,
      Zubair

  5. 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. finder.com.au is a comparison service and not an insurer. 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

  6. Default Gravatar
    MFebruary 29, 2016

    Hi,

    I’m looking for travel insurance. I am a non-resident of Australia living in Indonesia. Can you help me?

  7. Default Gravatar
    KazJanuary 10, 2016

    If I’m travelling to the USA for work & want travel insurance just for a few days to cover me while going there. Am I still covered even though I’m starting my trip in Australia but ending it while I’m overseas?

    • Avatarfinder Customer Care
      RichardJanuary 11, 2016Staff

      Hi Kaz,

      Thanks for your question. Yes, you are able to get one-way travel insurance. For more information you may find the following page useful:
      One-way Travel Insurance

      I hope this was helpful,
      Richard

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