Budget Direct Travel Insurance

Budget Direct

If you’re searching for a travel insurance provider with a wide range of insurance options for your next major holiday, take a look at Budget Direct. Read on to learn more about their overseas travel insurance policies, ranging from last minute to comprehensive annual multi-trip cover.

About Budget Direct

Budget Direct has been around since 2000 and has insured 1.5 million Australians since. They are underwritten by Auto & General Insurance Company Limited, an Australian insurance company regulated by APRA, and offer policies on travel, car, home, life, and health insurance.

Rates and fees verified as correct at 09 December, 2016. Other information correct at the time of writing.

Budget Direct travel insurance policies

Budget Direct offer a range of travel insurance policies, from essential to comprehensive, from last minute coverage to annual multi-trip coverage. They have policy options to suit all travellers, both international and domestic, but here at Mozo we only compare overseas options. Policies are available for families, backpackers, students, seniors, and just about everyone else. Check them out in the table below:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Last Minute

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500

    • $5,000

    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $12,500

    • Events
    • $5,000

    • $12,500

    • $12,500

    • $1,000

    • $30,000

    • $2,500

    • $2,500

    • $2,500

    • $4,000

    • $2,500

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $40,000

    • $40,000

    • $3,000

    • $2,500

    • $20,000

    • $40,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip (30 days)

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $40,000

    • $40,000

    • $3,000

    • $2,500

    • $20,000

    • $40,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


The fine print: key policies to look out for

Snow sports:

If you’re looking to hit the snow on this trip, Budget Direct offer coverage for many different types of skiing and snowboarding, as well as tobogganing, snowmobiling and more. This includes off-piste skiing as long as it's with an instructor, and cross-country skiing along a designated route.

Fine print: Snow sports aren’t covered under Budget Direct’s domestic policy and keep in mind that personal accident coverage doesn’t apply with last minute cover. Competitive or professional sports activities aren’t included either.

Pre-existing medical conditions:

You’ll need to mention any pre-existing medical conditions before you buy your policy, including pregnancy. The good news is, Budget Direct travel insurance policies automatically cover 43 pre-existing medical conditions, so chances are, you’re already covered. These include epilepsy, glaucoma, asthma and diabetes, although conditions do apply on some of these.

Fine print: No pre-existing medical conditions, other than those listed, are covered under Budget Direct’s travel insurance. Also, the listed conditions are only covered as long as the individual with the condition has not been hospitalised for it within the last 24 months, so read the PDS carefully on this one!

Last Minute insurance:

Budget Direct offer a policy for last minute insurance, which you can buy right up until the time you board your plane. This is great for last minute trips, and covers you for medical emergency, personal liability and a limited amount of luggage.

Fine print: Last minute cover is something of a bare bones policy, and does not include many of the other benefits that Budget Direct’s more hefty policies do, like cancellation, personal accident or theft of cash.

Family and seniors insurance:

Travelling can be stressful for families, so Budget Direct has some good news to lighten the load - their travel insurance policies cover anyone 100 years of age or younger, and dependent children under the age of 18 are insured at no extra cost. This includes the usual benefits for medical expenses, cancellation and luggage, according to the policy you opt for.

Fine print: To qualify as a dependent, the individual must be a child or grandchild (including fostered or adopted), under the age of 18 at the time of application. Dependents under the age of 16 must have full adult supervision for the duration of the trip. If you’re under 18 and not travelling with a legal adult, Budget Direct’s travel insurance policies won’t cover you.

Cooling off period:

If, within 14 days of taking out a policy, you decide Budget Direct’s cover is not for you, you can cancel for a full refund of the premium.

Fine print: The cooling off period applies only if your trip hasn’t started yet and you haven’t made a claim or exercised any other rights under the policy. After the 14 day period, no refund of the premium is given if you cancel.

Important information for ensuring a successful Budget Direct travel insurance claim

After you’ve gone to all the trouble of choosing a travel insurance policy that’s best suited to you, the next step is keeping in mind the procedure and details of how to make a claim if the need should arise. It’s not unusual for claims to be rejected because travellers neglect to read the fine print on their policy, or don’t have the necessary information to make a claim. Here are some important things to keep in mind when making a claim with Budget Direct:

How to make a claim with Budget Direct

To make a claim with Budget Direct, you can simply fill out the relevant form and send it via post. If you need assistance or would like to check on the procedure before applying, you can also call or email their claims team.  

1. Call or email Budget Direct if you’re unsure: If you need to make an insurance claim, but you’re unsure of the process or what you need to include, you can call or email the Budget Direct team and they’ll advise you on the steps to complete your individual claim. If you’re calling it’s a good idea to have your policy number and insurance certificate ready in order to speed up the process. If you’re emailing, remember to include your policy number and any other details relevant to your application.

2. Compile supporting documentation: Once you’ve contacted Budget Direct and they’ve advised you on how best to proceed, you’ll need to collect all the documentation relevant to your claim. Different claims will require different documentation - for example, medical claims will require a doctor's certificate, while luggage delays or theft will require an official written statement from the relevant authorities, as well as some proof of ownership. If you’ve kept your receipts, medical certificates or statements organised along the way, this step shouldn’t be too hard, but it’s worth taking the time to do it right, as claims can be rejected without these documents.

3. Complete the relevant claims form and submit: Choose the relevant claims form, which can be found on Budget Direct’s website, download and print it. Complete the form and send it, along with all relevant documents, to Budget Direct via post. The address can be found on their website.

Budget Direct customer reviews

The Mozo community has rated Budget Direct’s travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Budget Direct travel insurance

Overall 8.6*

Value for money

Trust

11 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Budget Direct travel insurance reviews Recent Budget Direct travel insurance reviews

Budget Direct

Budget Direct travel insurance review

Overall rating   10 / 10

Very happy with their service

Great service.

Full review

Great service.

    Value for money   10 / 10

    Trust   10 / 10

Less

Harmony (NSW), reviewed over 1 year ago

Budget Direct

Budget Direct travel insurance review

Overall rating   10 / 10

Reliable & efficient!

My girlfriend and I had planned a trip to NZ to attend a friend's wedding and to enjoy the world of the Lord of the Rings. We wanted nothing to spoil that and I am happy to say that Budget Direct were superb in their application process and in...

Full review

My girlfriend and I had planned a trip to NZ to attend a friend's wedding and to enjoy the world of the Lord of the Rings. We wanted nothing to spoil that and I am happy to say that Budget Direct were superb in their application process and in their layout (easy to understand). Being such a large and reputable company with multiple revenue streams (Motor, Home, Life, Health...etc), we were very much at peace with our coverage. Don't leave Australia with getting insurance with them!

    Value for money   10 / 10

    Trust   10 / 10

Less

Yang (VIC), reviewed almost 2 years ago

Budget Direct

Budget Direct travel insurance review

Overall rating   10 / 10

Cheap, peace-of-mind, easy to apply!

I chose Budget Direct because I have my motor and home policies with them. I wanted to ensure that I was going to be covered by a reputable company - after all, paying out a claim and making the process as simple as possible is what I was...

Full review

I chose Budget Direct because I have my motor and home policies with them. I wanted to ensure that I was going to be covered by a reputable company - after all, paying out a claim and making the process as simple as possible is what I was after. The price I paid was highly competitive and the application process was smooth and easy to understand. I received my documents immediately and left for NZ with peace-of-mind. I did not have to worry before, during or after my trip! Isn't that what we all want from our insurers?

    Value for money   10 / 10

    Trust   10 / 10

Less

Aidan (QLD), reviewed almost 2 years ago

Budget Direct

Budget Direct travel insurance review

Overall rating   8 / 10

The best is Budget Direct

I have Car Insurance + very happy, so to have Travel Insurance with this company is a "no brainer" due to the overall professional coverage!

Full review

I have Car Insurance + very happy, so to have Travel Insurance with this company is a "no brainer" due to the overall professional coverage!

    Value for money   10 / 10

    Trust   7 / 10

Less

Margaret , reviewed over 2 years ago

Budget Direct

Budget Direct travel insurance review

Overall rating   7 / 10

OK

It was cheap and easy to arrange.

Full review

It was cheap and easy to arrange.

    Value for money   6 / 10

    Trust   3 / 10

Less

Sue (VIC), reviewed over 2 years ago

Hide reviews

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Compare Budget Direct policies with other Australian Insurers

There is a wide range of travel insurance providers in the market these days, so it’s always smart to compare providers and policies before settling on one for your trip. At Mozo, we’ve made it easier, with our travel insurance comparison tool. Put in your destination, travel dates and who you’re travelling with and you can compare Budget Direct with a host of other insurance providers in just a few minutes.

And while you’re planning your trip, check out our guides for travel insurance tailored to different destinations, like Japan, Singapore or South Africa. Find a guide to help you with your current trip, or maybe get inspired for the next one!
Don’t forget also to check out our Best $20 I’ve ever spent series, for some tips on saving cash from some savvy travellers!

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