Travel Insurance Direct

Overseas Travel Insurance

Heading overseas? Get travel cover for your international trip

What is overseas travel insurance?

When you book a holiday, it's time to start thinking about an itinerary, arranging tours and what to pack. You may want to consider purchasing travel insurance, so you have protection for things that could go wrong on your trip.

Overseas travel insurance can cover some common financial costs or losses that can crop up when you're travelling. An overseas insurance plan covers you for a single international trip and is available for countries worldwide. So, whether you're planning a trip to Bali, the USA or beyond, you'll find the right cover for you.

Why should I consider overseas travel cover?

Cover for your travel plans starts from when you buy a policy. This means if you've booked your flight and break your leg the next day, you could be covered for pre-booked and unused travel and accommodation. You also may be covered for a whole host of other stuff while you're away.

What can overseas travel insurance cover?

When you're shopping around for travel insurance, you may want to make sure the cover on offer suits your needs. When you buy one of our overseas travel insurance plans, you have protection against a variety of stuff as well as some risks you might not have even considered.

Medical bills

Hospital or doctors' bills when you're not at home can be in the thousands. If you're suddenly taken ill on holiday and need to seek medical attention, our comprehensive plan The Works includes overseas medical cover.

Luggage and valuables

There's nothing worse than realising that your suitcase, bag, phone, or passport has been stolen. With overseas travel insurance, cover is available for personal belongings and valuables against theft, loss and damage.

Cancellation costs

If you're travelling for a course, or to a wedding, and you can no longer make the trip or you have to cancel for reasons beyond your control, we may be able to cover some of the cost of your unused arrangements.

Rental vehicle insurance excess

If you're hiring a car on your trip and it gets damaged or stolen you may have to pay towards replacing or fixing the vehicle – our overseas insurance plans – The Works and Annual Multi Trip – can cover some of the cost.

Compare our Plans.

It’s easy to see how much the overseas plans give you in terms of cover by comparing them. The Works plan is for travellers who want comprehensive cover and added benefits for a single trip, while The Basics plan is designed for those who are on a budget.


Comprehensive Overseas Insurance (The Works) Budget Overseas Insurance (The Basics) Annual Multi-trip
Medical Expenses Overseas^ Unlimited $5,000,000 Unlimited
Additional Expenses / Medical Evacuation Unlimited $500,000 Unlimited
Cancellation Costs Unlimited $3,000 Unlimited
Personal Liability $2,500,000 $1,000,000 $2,500,000
Luggage and Personal Effects $12,000 $3,000 $12,000
Rental Vehicle Insurance Excess $4,000 Not available $4,000
Multi-trip Not available Not available Available
Get a quote Get a quote Get a quote
^Up to one year.
‡The Works and The Basics plans only cover single trips.
The Annual plan covers multiple trips so you can travel as often as you like up to 38 days for leisure and up to 90 days for business within a 12 month period. Sub-limits apply.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Please read our policy wording.

Overseas travel insurance FAQs

Does the Comprehensive plan cover extras like phones and laptops?

There is cover available for luggage and personal effects up to a total benefit limit of $12,000 on single policy or $24,000 on a family policy under The Works plan. However for individual items we will only pay up to $700 per item and up to $4,000 where the item is a laptop, tablet, camera or video camera. Depreciation is also considered when you make a claim. If you want additional cover for valuable items, you may consider adding these under the "Specified Items" option for an additional premium when you purchase your policy. This covers you for the cost of the item in the event of a claim and no depreciation is applied.

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