Thumbnail icon for Travel Insurance Direct

If you’re after a travel insurance policy that’ll cover you for a wide range of scenarios while overseas, Travel Insurance Direct might be a great pick. Read ahead for all the information you need on Travel Insurance Direct’s plans, what’s covered (and what’s not), any additional conditions and how to make a claim.

About Travel Insurance Direct

Since 2002, Travel Insurance Direct have covered over 1 million Aussies while they jet across the world. Underwritten by Lloyd’s, Travel Insurance Direct offers policies that cover over 100 countries around the world so travellers can focus on having fun abroad while enjoying the piece of mind that they can rely on an insurance provider with a world of experience.

Cover information and limits in the table below verified as correct at 17 April 2024. Other information correct at the time of writing.

Travel Insurance Direct plans

Travel Insurance Direct has you covered if your travelling alone or with your family, with three different options of international travel insurance from The Basics to The Works and Annual Multi-trip cover.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • 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 illness

  • 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

    • The Basics

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $1,500 to $20,000

    • $2,000

    • $5,000

    • $5,000

    • $500

    • $6,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • The Works

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $6,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $6,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • 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 illness

  • 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

    • The Basics

    • Per group

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $1,500 to $20,000

    • $4,000

    • $10,000

    • $10,000

    • $1,000

    • $6,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • The Works

    • Per group

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $24,000

    • Unlimited

    • Unlimited

    • $6,000

    • $16,000

    • $50,000

    • $25,000

    • $20,000

    • $6,000

    • $6,000

    • $6,000

    • $6,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-trip

    • Per group

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $24,000

    • Unlimited

    • Unlimited

    • $6,000

    • $16,000

    • $50,000

    • $25,000

    • $20,000

    • $6,000

    • $6,000

    • $6,000

    • $6,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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).


Travel Insurance Direct customer reviews

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

Travel Insurance Direct travel insurance
8.2

Overall 8.2

8.3

Value for money

7.9

Policy coverage

7.0

Customer service

7.2

Claims handling

8.1

Trust

108 Reviews

Recent Travel Insurance Direct travel insurance customer reviews Recent Travel Insurance Direct travel insurance customer reviews

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   9 / 10

I trust TID for their quick and efficient service

I’ve used TID for many years now and have been pleasantly surprised at the ease of purchasing cover and the claims process. After a few overseas mishaps including a bout of sickness in Japan that left me in hospital, I found the claim process...

Full review

I’ve used TID for many years now and have been pleasantly surprised at the ease of purchasing cover and the claims process. After a few overseas mishaps including a bout of sickness in Japan that left me in hospital, I found the claim process quick and easy. The customer service was clear and efficient and TID has given me peace of mind to choose their travel insurance again and again. As a bonus, the TID travel app is a wonderful way to find out more about the location you’re traveling to, just like a local tour guide in your pocket!

    Value for money   8 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   10 / 10

    Trust   9 / 10

Less

Keziah, New South Wales, reviewed over 2 years ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   8 / 10

Gets the job done, hassle free.

I have yet to make a claim but they're nice, quick and easy to purchase even for short journeys and send reminders before and after.

Full review

I have yet to make a claim but they're nice, quick and easy to purchase even for short journeys and send reminders before and after.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   7 / 10

    Trust   7 / 10

Less

Shayn, Queensland, reviewed over 2 years ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   9 / 10

Affordable insurance with suitable coverage.

TID were very competitive on pricing and it was very easy to get a quote via their website. When I had questions their customer service team responded in a timely manner. Like every insurer make sure you read the fine print so that the...

Full review

TID were very competitive on pricing and it was very easy to get a quote via their website. When I had questions their customer service team responded in a timely manner. Like every insurer make sure you read the fine print so that the insurance you select covers you for what you need. It was easy to add on additional extras if you required additional coverage.

    Value for money   9 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Trust   9 / 10

Less

Vaughan, New South Wales, reviewed about 3 years ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   1 / 10

Complete Waste of Money

I chose to go with Travel Insurance Direct (TID) for my trip through Central and South America in 2019. I decided to go with them because they had competitive pricing, however I later learnt why they are a cheaper choice. Unfortunately while in...

Full review

I chose to go with Travel Insurance Direct (TID) for my trip through Central and South America in 2019. I decided to go with them because they had competitive pricing, however I later learnt why they are a cheaper choice. Unfortunately while in Peru I had all of my most important personal belongings stolen from my accommodation. Although many of the items were completely irreplaceable, I had some small peace of mind knowing I had travel insurance. I was wrong to let this give me any peace of mind. Never in my life have I ever experienced such poor customer service. I experienced huge delays in responses to my emails (sometimes months), they spelt my name wrong, they requested documentation for a medical condition which I did not have and was not claiming for which later turned out to be another careless mistake made by the claims officer, part of my offer was calculated using the incorrect currency, my phone calls were completely ignored on multiple occasions and worst of all I was offered as little as 25% cover for my items. I would have been better off saving the money I spent on insurance. They also dragged my claim out for well over a year. If you actually want to be covered when you travel I would strongly recommend against TID!

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

T murphy, Queensland, reviewed about 3 years ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   6 / 10

Decent level of cover

Used this insurer a few times in the past. Its great for singles/couples who want a decent level of cover for insurance. I made a mistake with the dates of one of my policies in the past and although the team were nice and somewhat helpful,...

Full review

Used this insurer a few times in the past. Its great for singles/couples who want a decent level of cover for insurance. I made a mistake with the dates of one of my policies in the past and although the team were nice and somewhat helpful, nothing could be done on their end to extend the policy. Would be great if they had a feature to extend a policy as sometimes things change and trips are extended or in my case a wrong number was entered.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Chiara, New South Wales, reviewed over 3 years ago

Hide reviews
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Apply for Travel Insurance Direct travel insurance