If you are a frequent traveller, you may choose an Annual Multi-Trip travel insurance policy under our Comprehensive, Essential or Domestic plans, which provide coverage for unlimited number of trips within 12 months with maximum duration per trip that you can choose from 30, 45 or 60 days for international trips (with domestic trips also included), or 15 or 30 days when travelling domestically only.
Cover is extended to trips:
to a destination more than 250 kilometres from home, or
that include at least one night paid accommodation booked with an accommodation supplier or provider such as Airbnb if travelling closer than 250 kilometres from home.
An Annual Multi-Trip plan is NOT available on the Basic plan.
What's covered by Annual Multi-Trip Travel Insurance?
- Unlimited trips more than 250 km from home in a 12-month period (or closer to home if at least one night paid accommodation). Maximum duration per trip applies.
- Multiple maximum trip duration choices are available
- Amendment or cancellation costs (up to applicable limits for your chosen plan or the amount you choose)
- $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses. Cover will not exceed 12 months from onset of the illness, condition or injury.
- Overseas dental expenses (up to applicable limits for your chosen plan)
- If you are diagnosed with COVID-19 self-isolation expenses if you are too sick to travel – Up to $2,500^^
- Luggage and personal effects (up to applicable limits for your chosen plan and sub-limits that apply)
- Personal liability (up to applicable limits for your chosen plan)
- Activities (e.g. surfing, bungee jumping, zip lining)
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
What's not covered by Annual Multi-Trip Travel Insurance?
- Trips less than 250 kilometres from home which do not include at least one night paid accommodation
- Trips longer than the maximum duration chosen
- Annual Multi-Trip travel insurance is not available with a Basic plan
- Amendment or cancellation costs due to COVID-19**^^
- Adventure activities (e.g. skydiving, water skiing)**
- Snow sports (e.g. skiing, snowboarding)**
**Cover is available to buy via options to vary cover. Additional premium applies.
^^A special excess will apply.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined Financial Services Guide and Product Disclosure Statement for further details.
How to Get an Annual Multi-Trip Policy
Decide whether to insure just one trip or multiple trips with Annual Multi-Trip cover.
Choose a maximum duration per trip of:
30, 45 or 60 days for international trips (with domestic trips also included), or
15 or 30 days when travelling domestically only.
For example if you are travelling overseas throughout the year ahead and doing 10 x week long trips and one big trip for 6 weeks, you would select the trip duration as 45 days.
If you plan to travel for more than 30 days domestically and 60 days internationally, you will need to purchase a single trip travel insurance policy where coverage is up to 12 months.
Annual Multi-Trip cover is available under Comprehensive, Essential plans or the Domestic plan. If you buy an International Comprehensive or Essential Annual Multi-Trip policy, cover for eligible trips within Australia are also included. Select a suitable plan for your travel needs.
Customise your coverage with our suite of Options to vary cover.
Comprehensive Travel Insurance
15%^ OFF
Our most extensive international travel insurance policy will provide cover for our full list of benefits and entitles you to our maximum benefit amounts.
- $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses. Cover will not exceed 12 months from onset of the illness, condition or injury.
- Overseas dental expenses – Up to $2,000
- Amendment or cancellation costs (e.g. for non-refundable prepaid travel and accommodation expenses) – Up to $10,000 (or the amount you choose) per policy
- Luggage and personal effects – Up to $10,000 (sub-limits apply)
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
Essential Travel Insurance
15%^ OFF
Our critical level of protection at a cheaper price will provide cover for essential benefits and entitles you to generous benefit amounts.
- $Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses. Cover will not exceed 12 months from onset of the illness, condition or injury.
- Overseas dental expenses – Up to $1,000
- Amendment or cancellation costs (e.g. for non-refundable prepaid travel and accommodation expenses) – Up to $5,000 (or the amount you choose) per policy
- Luggage and personal effects – Up to $5,000 (sub-limits apply)
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
** Cover is available to buy via options to vary cover. Additional premium applies.
^^ A special excess applies.
Domestic Travel Insurance
15%^ OFF
Our Domestic Travel Insurance policy covers you for your travel within Australia and includes cover for cancellation and amendment fees, and luggage and personal effects.
- No cover for any medical, dental or hospital expenses, including COVID-19 related medical expenses, in Australia.
- Amendment or cancellation costs (e.g. for non-refundable, prepaid travel and accommodation expenses) – Up to $10,000 (or the amount you choose) per policy
- Luggage and personal effects – Up to $5,000 (sub-limits apply)
** Cover is available to buy via options to vary cover. Additional premium applies.
^^ A special excess applies.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined Financial Services Guide and Product Disclosure Statement for further details.
Find out more
The information on this page is a summary only. For more details about Budget Direct Travel Insurance, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG & PDS.
Travel Insurance FAQs
Does travel insurance cover medical and hospital expenses?
All of Budget Direct’s international travel insurance plans – Comprehensive, Essential, Basic – include an $unlimited cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses including:
emergency medical treatment
ambulance transportation
surgery and hospital costs
emergency repatriation/evacuation.
“$Unlimited” means no dollar capped sum insured. There is no cover for any medical, dental or hospital expenses in Australia.
If you have an existing medical condition, you can still get cover for travel insurance.
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.
How long can I get travel insurance for?
You can get a Budget Direct single-trip policy for up to 12 months.
If you’re a frequent traveller, you might be interested in purchasing an Annual Multi-Trip policy. With this policy you can choose a maximum trip duration (15 or 30 days for domestic or 30, 45 or 60 days for International) and be covered for an unlimited number of trips within 12 months to your chosen destinations, up to the chosen maximum trip duration for each trip. Not available on Basic plans.
When should I buy travel insurance?
It’s up to you exactly when to buy travel insurance, however it should be purchased before your trip commences.
If you have left home and are already on your trip when buying the policy, this cover is subject to a 3 day no-cover period. This means the Period of Insurance will not commence until 3 days after the travel start date/policy issue date shown on your Certificate of Insurance.
By getting Budget Direct travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your non-refundable, non-recoverable prepaid travel tickets, hotels, tours or other travel related expenses if you’re forced to cancel your trip due to an insured event, e.g. an unforeseen illness or injury.
Note: Basic plan cover does not include Amendment or Cancellation Costs benefit.
If you’re a frequent traveller, you could purchase an Annual Multi-Trip policy under our Comprehensive, Essential and Domestic Travel Insurance plans. With an Annual Multi-Trip policy, you can choose a maximum trip duration and be covered for an unlimited number of trips within 12 months to your chosen destination/s, up to the chosen maximum trip duration for each trip.
When you purchase the Annual Multi-Trip policy you can nominate your known destination/s.
Before each trip:
You won’t need to specify where you’re going – unless your destination is different to those you originally selected.
Please consider if you have an existing medical condition or pregnancy and refer to the Combined FSG/PDS for more information.
You will need to contact us so we can help you make any required changes to your policy. Additional premium may apply.
What does travel insurance cover?
Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.
Among the most important benefits provided by Budget Direct travel insurance are:
Overseas medical expenses – $unlimited cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of unforeseen emergency medical and hospital treatment overseas if you become sick, ill or injured. “$Unlimited” means no dollar capped sum insured.
Amendment or cancellation costs (up to the policy limit or cover chosen, whichever is the higher) – the cost of prepaid travel tickets, hotels, tours or other travel related expenses which are non-refundable in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury). (Does not apply to the Basic plan.)
Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged. Limits and sub-limits apply. Depreciation may apply.
Additional expenses – additional transport and accommodation 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, sub-limits and exclusions that apply, please read the Combined FSG/PDS.
Which sports and activities does travel insurance cover?
All Budget Direct Travel Insurance includes cover for a range of sports and activities.
Some adventure activities and snow sports may not be automatically included in the cover. Cover is available to buy 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.
