What’s covered by Essential Travel Insurance?

Overseas medical and hospital expenses

Unlimited amount for overseas emergency medical and hospital expenses (excluding pregnancy and childbirth).

Cancellation and amendment fees

Cancellation fees and lost deposits on pre-paid travel, accommodation, meals, etc. if your trip is cancelled due to an insured event (e.g. an unforeseen injury or illness), up to $12,500.

Additional expenses

Extra travel, accommodation and meals expenses if your trip is disrupted or you have to return home early due to an insured event, up to $12,500.

Luggage and personal effects

Cost of repairing or replacing your belongings if they get lost, stolen or damaged during your trip, up to $5,000 (sub-limits apply).


Cost of pre-paid travel, accommodation, meals, etc. if you have to return home early due to an insured event (e.g. a close relative in Australia is hospitalised unexpectedly), up to $12,500.

Personal liability


Delayed luggage allowance

Cost of buying essential items if your baggage is delayed by an airline or transport company for more than 24 hours, up to $400.

Rental vehicle insurance excess



Replacement passport, visas, travel money cards, travellers cheques, and credit cards if they’re lost, stolen or damaged, up to $2,500.

Terms, conditions, limits and exclusions apply.

For full details, please read the产品披露声明.

Upgrade your cover

For an additional premium, you can add one or both of the following optional extras to your policy:

Snow Sports Cover

Insures you against loss or injury while skiing, snowboarding, ice-skating and more. Includes cover for the cost of snow sports equipment, lift passes and ski packs.
Read more

Excess reduction

Halve your excess from the standard $200 to $100; or choose to have no excess.

How do I add these optional extras to my policy?


如果您已经购买了政策,则只能添加雪运动盖。为此,请致电1800 444 424或登录your online accountand edit your policy — before you leave on your trip and within 14 days of the purchase date.

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.


Read more

Get a quote

Whether you want cover for just the basics or a policy with lots of bells and whistles, we’ve got a wide selection of travel insurance for you to pick from.

在30秒内在线获取旅行保险报价,或致电1800 444 424。



How to make a claim


Frequently asked questions


Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.


  • Overseas medical and hospital expenses– an unlimited amount for the cost of unforeseen emergency medical and hospital treatment overseas (excluding pregnancy and childbirth).Read more
  • Cancellation and amendment fees- 预付费旅行,住宿等的费用。如果您因被保险事件而被迫取消或重新安排行程(例如,不可预见的疾病或受伤)。(不适用于最后一分钟的封面。)Read more
  • Luggage and personal effects– the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).
  • Additional expenses– extra travel, accommodation and meals expenses – over and above what you budgeted for – if your trip is disrupted or cut short due to an insured event.

For full details, including the terms, conditions, limits and exclusions that apply, please read theproduct disclosure statement.

See all Budget Direct travel insurance benefits and features

Does travel insurance cover trip cancellation?

All Budget Direct travel insurance policies except Last Minute can cover the cost of cancelling (or amending) your trip due to an insured event.Read more

Can I get travel insurance if I have a pre-existing medical condition?

Budget Direct travel insurance covers 27 pre-existing health conditions.

See the list of covered pre-existing health conditions.

If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.

How many people can be covered under one travel insurance policy?

With Budget Direct, you can get cover for up to 10 travellers on the one policy.

Get a travel insurance quote online