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Budget Direct Travel Insurance

Disclaimer:

Budget Direct is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.

Policy Options From Budget Direct

  • Comprehensive

  • Essential

  • Last Minute

  • Domestic

  • Annual Multi-Trip

* Comprehensive, Essential, and Last Minute policies do not cover travel within Australia.

* The Domestic policy doesn't cover any medical and evacuation expenses incurred in Australia.

* An Annual Multi-Trip policy provides cover for travel overseas as many times as is needed prior to the policy end-date, with the maximum duration for each trip being 30-days.

Benefits

Comprehensive

Essential

Last Minute

Domestic

Annual Multi-Trip

Cancellation and Amendment Fees

Unlimited

$12,500

-

$10,000

Unlimited

Overseas Medical and Hospital Expenses

Unlimited

Unlimited

Unlimited

Unlimited

Hospital Cash Allowance

$75 per completed 24 hours up to $2,500

$75 per completed 24 hours up to $1,000

-

-

$75 per completed 24 hours up to $2,500

Cutting Your Trip Short

Unlimited

$12,500

-

$7,500

Unlimited

Additional Expenses

$40,000

$12,500

$5,000

$5,000

$40,000

Resumption of Journey

$3,000

-

-

-

$3,000

Travel Delay Expenses

$100 per completed 12 hours up to $2,000

$50 per completed 12 hours up to $1,000

$50 per completed 12 hours up to $1,000

$100 per completed 12 hours up to $2,000

Luggage and Personal Effects *

$7,500

$5,000

$2,500

$5,000

$7,500

Delayed Luggage Allowance

$600

$400

-

$250

$600

Travel Documents, Credit Cards and Travellers Cheques

$5,000

$2,500

-

-

$5,000

Theft of Cash

$400

$250

-

$250

$400

Personal Accident

$40,000

$30,000

-

$15,000

$40,000

Personal Liability

$5m

$2m

$1m

$1.5m

$5m

Rental Vehicle Insurance Excess

$6,000

$4,000

-

$4,000

$6,000

Loss of Income

$10,400

-

-

-

$10,400

Alternative Transport Expenses

$5,000

$2,5000

-

$2,500

$5,000

Hijack

$1,500

-

-

-

$1,500

Pet Care

$500

-

-

-

$500

* Includes sub-limits for other items

Age Limits for Budget Direct Policies

  • All policies apply to applicants who are 18-years or older when applying for an insurance policy with Budget Direct.

  • For Comprehensive and Domestic policies, insurance is available to travellers up to the age of 100 at the date of application.

  • The Last Minute, Essential, and Annual Multi-Trip policies are available to travellers under the age of 75-years at the date of application.

Cooling-Off Period

If your Budget Direct policy is not suitable for you, you can cancel your policy within 14-days of purchasing it, provided that you have not made a claim or exercised any rights under the policy, and your trip has not yet commenced. You will receive a full refund if you cancel within the cooling-off period.

Pre-Existing Medical Conditions Covered by Budget Direct

Budget Insurance only covers the pre-existing medical conditions listed below.

- Acne

- Asthma

- Bunions

- Carpal Tunnel Syndrome

- Cataracts

- Coeliac Disease

- Congenital Blindness

- Congenital Deafness

- Diabetes Mellitus (Type 1 and 2)

- Dry Eye Syndrome

- Ear Grommets

- Eczema

- Epilepsy

- Food Intolerance

- Gastric Reflux

- Glaucoma

- Gout

- Hay Fever

- Hiatus Hernia

- Hypercholesterolaemia (High Cholesterol)

- Hypertension (High Blood Pressure)

- Hypothyroidism

- Macular Degeneration

- Meniere's Disease

- Rhinitis

- Sinusitis

General Exclusions from all Budget Direct Policies

  • Travelling against the advice of a medical practitioner.

  • Travelling with a known medical condition that is not on the list of covered conditions.

  • Travelling with the knowledge of a situation which could lead to you making a claim.

  • Claims arising from suicide or attempted suicide by you or someone you are travelling with.

  • Any claims arising from you using drugs or alcohol and behaving in a reckless manner.

  • Claims arising from civil riots, blockades, or strikes for which there was advance warning.

  • Travelling to a country or area where the Australian Government has advised against because of terrorism, extreme weather conditions, or health concerns.

  • Driving a two-wheeled or three-wheeled vehicle without a proper helmet or a valid driver’s license for the country you are in.

  • Any consequential loss of any kind, including loss of enjoyment or finances.

  • Any claim arising from you behaving unlawfully.

  • Insolvency of any airline, travel agent, tour operator, accommodation provider, or other service providers resulting in them not being able to provide an adequate service.

  • Any claims related to pregnancy, childbirth or infant care.

Claims Process for Budget Direct

  • Register your claim within 30-days of your completion of travel.

  • Provide original documentation including invoices, receipts and other vouchers relating to your loss or expenses.

  • Provide proof of ownership, proof of value or any lost, stolen or damaged items.

  • Provide your insurance certificate with your claim.

  • Provide all information to Budget Direct in English and in clear form.

Budget Direct Travel Insurance Contact Details

Underwriter

Auto & General Insurance Company Limited

Website

www.budgetdirect.com.au

General Enquiries

1800 444 424 (within Australia)

+61 7 5436 1718 (outside of Australia)

Email Address

budgetdirect@travelclaims.com.au

24-hour emergency number

1800 789 924 (within Australia)

+61 7 3360 7735 (outside of Australia)

Claims Email Address

budgetdirect@travelclaims.com.au

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