What’s covered by Domestic Travel Insurance?

Cancellation and delays

Cancellation fees and lost deposits on pre-paid travel, accommodation, meals, etc.; and travel delay expenses. (Excluding epidemics, pandemics and infectious disease outbreaks.)

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).

Rental vehicle insurance excess

Any hire-car insurance excess you become liable to pay as a result of the car being damaged or stolen, up to $4,000.

Personal liability

Your liability for accidentally injuring someone else or damaging or losing someone else’s property during your trip, up to $1.5 million.

Cutting your trip short

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 is hospitalised unexpectedly), up to $7,500.

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 $250.

Additional expenses

Extra accommodation, meals and travel expenses if your trip is disrupted or you have to return home early due to an insured event, up to $5,000.

Theft of cash

Cost of replacing your lost or stolen cash, up to $250.

Alternative transport expenses

Additional travel expenses to reach a planned event (e.g. a wedding or conference) you would otherwise miss as a result of your scheduled transport being cancelled, delayed, shortened or diverted, up to $2,500.

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Upgrade your cover

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

Snow Sports Cover

Covers claims relating to skiing, snowboarding, ice-skating and more. Includes cover for the cost of snow sports equipment, lift passes and ski packs. (Excludes emergency medical and hospital expenses.)
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?

You can add one or both of these optional extras when you get a quote and buy a policy.

If you’ve already bought a policy, you can add Snow Sports Cover only. To do this, call us on 1800 444 424 or log into your online account and edit your policy — before you leave on your trip and within 14 days of the purchase date.

Medical and hospital expenses

In contrast to our international travel insurance policies, our Domestic policy does not cover emergency medical and hospital expenses.

That’s because these expenses are claimable in Australia from Medicare and/or your private health fund.

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.

Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS).

How to make a claim

If your trip didn’t go entirely to plan and you need to make a claim, we’re here to help. Make a claim on your travel insurance policy.

Frequently asked questions

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 aged 65 or under; or up to 90 days if you’re aged between 66 and 100.

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

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.

Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

Do the benefit amount limits apply to each family member (or travelling party member) or to the family (or travelling party) as a whole?

The benefit amount limits are the most we’ll pay each insured person per trip.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, we’ll pay them up to $7,500 each (minus their excesses of $200 each.)

How can I see my travel insurance policy details?

You can view and manage many of your travel insurance policy details through your online account.

(You can also see your policy details on the certificate of insurance we sent you.)

Get a travel insurance quote online