Travel Insurance Direct

Our verdict: Cruise cover is now an optional add-on and pre-existing conditions need an online medical assessment, so check what your plan includes.

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Cristal Dyer's headshot
James Martin's headshot

By

Cristal Dyer

&

James Martin

Updated

Fact checked
Travel Insurance Direct

Key takeaways

  • TID offers cruise cover as an optional Cruise Pack on its Comprehensive, Domestic and Multi-trip plans, and all its international plans include overseas medical cover for COVID-19.
  • The Comprehensive and Domestic plans are available to travellers of any age, but the Basic and Multi-trip plans have an upper age limit.
  • Cover for pre-existing medical conditions is available if you apply through TID's online medical assessment and it's approved, and an extra premium may apply.

Pros

  • Travel Insurance Direct offers cruise cover through an optional Cruise Pack on its Comprehensive, Domestic and Multi-trip plans.
  • All TID international plans include overseas medical cover for COVID-19, and depending on your plan, COVID-related cancellations may also be covered.

Cons

  • Cruises, snow sports and many adventure activities aren't covered as standard: you'll need to add an optional pack for an extra premium.
  • Existing medical conditions aren't covered automatically: you need to apply through TID's online medical assessment, and an extra premium may apply.

How does Travel Insurance Direct cover COVID-19?

All Travel Insurance Direct international plans include cover for overseas emergency assistance and overseas medical and hospital expenses if you're diagnosed with COVID-19 during your trip, and depending on your plan, other COVID-related events may also be covered. Here's what that can include:

  • Medical expenses overseas if you get sick with Covid-19 while on your journey
  • Cancellation and additional expenses caused by COVID-19, if your plan includes those benefits

Some exclusions apply, so check the Epidemics and Pandemics section of the PDS before you buy.

If you'd like to see what else is available, we've compared all the providers that offer cover for COVID-19.

What policies does Travel Insurance Direct offer?

Travel Insurance Direct offers four policies to choose from, suitable for everyone from travellers on a shoestring to the luxury seekers amongst us. The Comprehensive, Basic and Domestic plans are available for single trips and the Multi-trip plan covers you for as many trips as you like over 12 months.

Travel plane luggage passport

Comprehensive

Passport

Basic

Hiking

Multi-trip

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Domestic

Current Travel Insurance Direct policies are issued by AWP Australia Pty Ltd (trading as Allianz Global Assistance) as agent for the insurer, Allianz Australia Insurance Limited. If you bought your policy before 15 September 2026, different terms may apply, so check your own policy documents. Policies come with a cooling-off period and a base excess you can vary when you buy.

During the cooling-off period after your Certificate of Insurance is issued, you can cancel your policy and get a full refund of your premium, provided you haven't started your journey or made a claim. The excess is the amount you must pay for each claim you make and is deducted from any claim payment.

Here's a breakdown of Travel Insurance Direct features

Standard features
Optional add-on
Exclusions

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Standard features

Travel Insurance Direct 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 plan, for example, the Comprehensive plan vs the Basic plan.

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Optional add-on

Travel Insurance Direct offers optional add-ons for an extra premium, including an Adventure Pack, a Cruise Pack, a Snow Pack and increased item limits cover.

  • Specified items. If some of your more expensive belongings are going along for the ride you'll want to check the benefit limits on your policy. This add-on provides extra cover above the standard for specific items such as jewellery, mobile phones and musical instruments.
  • Snow sports. Hitting the slopes? You might need to add on cover for activities such as skiing, snowboarding and even tobogganing. 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 due to illness or serious injury.

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Exclusions

Even the best travel insurance policy has some things that are generally excluded. With Travel Insurance Direct, these include:

Make sure you review Travel Insurance Direct's policy wording for a detailed breakdown of what isn't covered, found under its list of general exclusions.

How to make a Travel Insurance Direct 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. Head to https://www.travelinsurancedirect.com.au/Member/OpenSignIn
  2. Log in with the email address and password you used when you bought the policy
  3. Select "Make a new claim"
  4. Answer a few questions and describe what happened
  5. Check your email for further instructions
  6. Upload your supporting documents
  7. Review your claim and submit

Here's the bottom line about Travel Insurance Direct

Travel Insurance Direct offers a robust suite of travel insurance policies with cover that should be sufficient for most travellers. Its Comprehensive plan includes overseas medical and hospital expenses, cancellation cover and cover for luggage and personal effects, and you can add cruise cover with the optional Cruise Pack.

TID covers a large number of pre-existing medical conditions if you complete its online medical assessment and your condition is approved. Additional premiums may apply, so do the assessment before you buy.

Where TID's policies can fall short is in what needs an add-on. Motorcycle, scooter and quad bike riding is only covered if you buy the Adventure Pack and meet its licence and helmet conditions, which matters for travellers to South East Asia, where scooters are a common way to get around. The Basic and Multi-trip plans also have an upper age limit, but the Comprehensive and Domestic plans are available to travellers of any age.

Not quite sure about Travel Insurance Direct? You can compare other travel insurance companies here.

Frequently asked questions

Sources

Cristal Dyer's headshot
Written by

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

James Martin's headshot
Co-written by

Journalist

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 167 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
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15 Responses

    M Jones's avatar
    MFebruary 29, 2016

    Hi,

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

      Richard Laycock's headshotFinder
      RichardMarch 1, 2016Finder

      Hi M Jones,

      Thanks for your question. Yes, you can find cover. A list of insurers offering travel insurance for visitors to Australia is available for you to compare.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,
      Richard

    Kaz's avatar
    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?

      Richard Laycock's headshotFinder
      RichardJanuary 11, 2016Finder

      Hi Kaz,

      Thanks for your question.

      Yes, a one-way travel insurance will be suitable for you if you will end your trip overseas. You will still need to enter an end date of when you no longer need cover however, these dates are flexible which means that you can extend your cover further if you need to.

      Most insurers offers this type of travel insurance, compare them and work out with insurers on the best policy for you. You can refine your search by using our tool on the right side of the page and click Get Quote to head over to the insurer’s website.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,
      Richard

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