Travel Insurance Quotes

We cover $Unlimited* overseas medical expenses if you are diagnosed with COVID-19 during your trip. 

Additional expenses up to $2,500 are also covered during your trip if you're diagnosed with COVID-19 and required to self-isolate and incur additional transport and accommodation expenses. Cover is $unlimited* in the case where you require hospitalisation. 

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

For claims related to COVID-19, sub-limits and a special excess may apply.

*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.

We provide cover for costs associated with rescheduling your trip or cancelling your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel-related expenses so that you're not left out of pocket. 

Cover for rescheduling your trip is limited to the amount it would have cost to cancel your trip.

Please note that COVID-19 Amendment or Cancellation Costs cover is NOT automatically included but is available for you to buy as a separate option if you wish.

If you need medical treatment overseas, you'll have $Unlimited* cover for emergency overseas hospital and medical expenses. 

We can also cover emergency dental expenses overseas up to a limit based on your policy. 

Domestic medical and dental expenses are not covered by travel insurance. For full details, please read the Combined FSG/PDS.

You can still get travel insurance cover if you have a pre-existing medical condition. Budget Direct travel insurance covers a range of existing medical conditions automatically (subject to the criteria).   

For others, you can complete a health assessment at the same time you get your quote. If approved, an additional premium may apply.

Check the Combined FSG & PDS for more information about existing medical conditions and what the policy covers.

If you rent a car while you're travelling and it’s damaged or stolen, you'll be covered for the lower of the rental vehicle excess or the repair costs for the vehicle, which you become liable to pay. 

This benefit is excluded from our Basic policy.

We can cover the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged (limits and sub-limits apply). 

Depreciation only applies to items more than 2 years old.

Personal legal liability provides cover if you accidentally damage or lose someone else's property or injure someone else during your trip and as a result of your negligent act, you become unintentionally legally liable to pay compensation. 

For full details regarding Personal Liability cover, please read the Combined FSG/PDS. For example, there is no cover for personal liability claims arising from using a mechanically propelled vehicle such as a car or motorcycle.

We cover a range of adventure activities when you're travelling including surfing, bungee jumping and zip lining. This means you can experience the activities you love, while you're travelling overseas or interstate.

Some adventure activities and snow sports may not be automatically included in the cover. Optional cover is available for certain adventure activities, snow sports and motorcycle/moped riding. 

Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.

If you're taking a cruise holiday, our Travel Insurance policies can cover you during your cruise overseas or outside Australian Coastal Waters with Cruise Cover available on our international Comprehensive, Essential and Basic plans.

With Cruise Cover, we cover $Unlimited^* medical expenses and up to $2,000 in dental expenses when you receive treatment onboard a cruise ship outside Australia by or on the advice of a qualified medical practitioner. 

You'll also be covered for ship-to-shore emergency transportation, sea sickness cover, missed ports and shore excursions, and cabin confinement up to the specified policy limits.

There are two levels of Snow Sports Cover:

1. Snow Sports cover includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.

2. Snow Sports+ cover includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding as well as heli-skiing/boarding.

See the full list of snow sports included in Snow Sports and Snow Sports+ cover.

There are two levels of Adventure Cover:

1. Adventure cover includes quad biking, sailing, water skiing and more.

2. Adventure+ cover includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.

See the full list of activities included in Adventure and Adventure+ cover.

If you or your travelling companion are diagnosed with COVID-19 before your trip and can't travel, optional COVID-19 Amendment or Cancellation Costs can cover costs associated with rescheduling your trip or cancelling non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel related expenses of up to a limit based on your policy.^^ 

If you include the optional COVID-19 Amendment or Cancellation Costs cover on your policy and it is purchased within 21 days of your scheduled trip departure date, we will only cover the travel costs you paid for in the 48 hours before buying the policy and after buying the policy.

You’ll also receive Amendment or Cancellation Costs cover during your trip if you or your travelling companion are diagnosed with COVID-19 and your trip is cancelled.^^

Additional scenarios are also included. Please read the Combined FSG/PDS to learn more about what you'll be covered for.

This benefit is excluded from our Basic policy.

You can increase the amount of your cancellation cover to cover things like particularly expensive flights or luxury travel arrangements. Select an increased amount from the options available when you get a quote.

Typically, people look to choose an amount that will, in total, cover all prepaid travel tickets, hotels, tours or other travel-related expenses, that are non-refundable in any other way, for all travellers on the policy.

This benefit is excluded from our Basic policy.

Please note that COVID-19 Amendment or Cancellation Costs cover is available for you to buy as a separate option if you wish.^^

With two levels of cover available, Motorcycle/Moped Riding covers riding a motorcycle or moped with an engine capacity of 250cc or less while Motorcycle/Moped Riding+ insures unlimited engine capacity. Conditions apply.

You can increase your luggage item limit on your travel insurance policy if you're carrying a valuable item that you want to insure for more (maximum limits apply). Make sure you also have receipts or valuations of that item on hand.