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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 the pick for you. 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.

Rates and fees verified as correct at 04 August, 2021. 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

  • 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

    • 200

    • $3,000

    • Events
    • $3,000

    • $500,000

    • $500,000

    • $6,000

    • $25,000

    • $12,500

    • $2,000

    • $2,000

    • $2,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • The Works

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $12,500

    • $9,000

    • $2,000

    • $2,000

    • $2,000

    • Choose $4,000 to $6,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-trip

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $12,500

    • $9,000

    • $2,000

    • $2,000

    • $2,000

    • Choose $4,000 to $6,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
  • 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 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

    • 200

    • $6,000

    • Events
    • $6,000

    • $1,000,000

    • $1,000,000

    • $12,000

    • $50,000

    • $25,000

    • $2,000

    • $2,000

    • $2,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • The Works

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $24,000

    • Unlimited

    • Unlimited

    • $6,000

    • $12,000

    • $50,000

    • $25,000

    • $18,000

    • $2,000

    • $2,000

    • $2,000

    • Choose $4,000 to $6,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-trip

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $24,000

    • Unlimited

    • Unlimited

    • $6,000

    • $12,000

    • $50,000

    • $25,000

    • $18,000

    • $2,000

    • $2,000

    • $2,000

    • Choose $4,000 to $6,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    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 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).


What’s included, excluded and other conditions you should know about 

Pre-existing medical conditions

Travel Insurance Direct automatically covers over 40 pre-existing medical conditions like asthma, epilepsy, osteoporosis and diabetes. 

Fine print:  You must satisfy all the criteria associated with your particular condition in order to qualify for cover, so be sure to read the policy information thoroughly so you know you're covered. If you have a pre-existing medical condition that isn’t categorised under “automatic cover”, Travel Insurance Direct won’t cover it. 

Pregnancy

Travelling while pregnant comes with certain risks and can be tricky at times, so there are different conditions for mums-to-be when they take out travel insurance. Travel Insurance Direct covers a single pregnancy up to 26 weeks, that is, as long as there have been no previous complications or issues. 

Fine print: For a multiple pregnancy (like twins), women are only covered up to 19 weeks. Also keep in mind, early childbirth, care of a newborn, fertility treatment and ante-natal care aren’t covered. 

Snow sports and activities
If you’re heading to the slopes on your next overseas getaway, you’ll need to add Snow Sports cover to your Travel Insurance Direct policy to be covered for snow activities. Additional ski and snowboard insurance will cover you for things like snow sports and leisure, equipment, piste closure and any prepaid costs you lose due to closure, like a lift pass.    

Fine print: Prefer extreme snow sports? The bad news is activities like luging, racing, ski acrobatics and ice hockey aren’t covered by Travel Insurance Direct. 

Cruise 
There is no extra cost for cruise cover when you take out any overseas travel insurance policy with Travel Insurance Direct. You’ll automatically have cover for any medical expenses on board and be reimbursed for any prepaid excursions or costs you miss out on due to sickness or injury. 

Fine print: If you’re keeping it close to home and taking a cruise in Australian waters, cruise insurance isn’t covered under the Domestic policy offered by Travel Insurance Direct. In this case, you’ll have to take out one of the three overseas policies in order to be covered. 

Families
Who doesn’t love a family holiday? With Travel Insurance Direct you can bundle your cover so that your entire family is under the same policy. You’ll all be covered for things like car rental, unexpected cancellation and medical costs. 

Fine print: You can only have a total of 2 adults and 6 dependants on the same policy. A “dependant” refers to your kids or grandkids that are under 21 and not employed full time. 

Important information for ensuring a successful Travel Insurance Direct insurance claim

Ready to tick travel insurance off your pre-holiday checklist? Before you do, take the time to familiarise yourself with the claims process of your policy. Doing this before you go means you won’t be caught out with missing documents or receipts that you may need to make a claim down the track. Here are some simple steps to ensure success when making a travel insurance claim: 
 

How to make a claim with Travel Insurance Direct 

The quickest and easiest way to make a claim is via the Travel Insurance Direct website. Follow these steps to ensure you do everything you need to do, so you can get an outcome on your claim as soon as possible: 

1. Once you’ve logged in to the Travel Insurance Direct website with your email address and password, select ‘make a claim’ which is located under the Claims tab. 

2. Answer the first round of questions with all the details you need to so that Travel Insurance Direct can determine what sort of claim you are making. 

3. After you’ve answered the first set of questions, you’ll need to describe the events that took place associated with your claim. Provide as much detail as you can about the relevant event so that the assessors of your claim have all the information they need to determine the outcome. 

4. You’ll then be asked a few more questions about your claim and will be advised about the documentation you’ll be required to provide to make a claim. Travel Insurance Direct will also ask you to list which expenses you are claiming. 

5. Once you have completed the first four steps, you’ll receive an email with a list of documents you’ll need to provide and any relevant instructions for your particular claim. 

6. Upload your documents onto your claim through the Travel Insurance direct website by clicking the ‘select file’ button. In the case that you don’t have a particular required document, you will be asked to provide a detailed reason why. 

7. After all the documents have been uploaded, you’ll be given the opportunity to review you claim and then submit! Travel Insurance Direct will notify you once an outcome has been determined.

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

7.7

Policy coverage

6.6

Customer service

6.5

Claims handling

8.1

Trust

106 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

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 5 months 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 6 months ago

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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 8 months ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   10 / 10

Process was simple and quick

I needed to make a claim. Process was simple and money back to me quickly. I was pleasantly surprised.

Full review

I needed to make a claim. Process was simple and money back to me quickly. I was pleasantly surprised.

    Value for money   9 / 10

    Policy coverage   10 / 10

    Customer service   7 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Alice, Victoria, reviewed 10 months ago

Travel Insurance Direct logo

Travel Insurance Direct Travel Insurance review

Overall rating   8 / 10

Traveling dependence, comfort and security

TID are a good company you can depend upon.

Full review

TID are a good company you can depend upon.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Anoop, New South Wales, reviewed over 1 year ago

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