What is budget travel insurance?
Budget travel insurance offers all the travel essentials, with limits on the level of cover, but at a very competitive price. It doesn’t have all the features included in The Works, so compare our plans and make sure you’ve got the right level of cover for your holiday. Keep in mind that Rental Vehicle Insurance is not available with The Basics. Pack the essentials with The Basics, our budget travel insurance plan.
Overseas Medical Expenses.
Medical Evacuation by Road or Air.
Trip Cancellation Costs.
Luggage and Personal Effects.
Optional Snow Sports Cover.
This is a brief summary only. For full terms, conditions, limitations and exclusions read our policy wording.
What does budget travel insurance cover?
|Comprehensive Overseas Insurance (The Works)||Budget Overseas Insurance (The Basics)||Domestic||Annual Multi-trip|
|Medical Expenses Overseas^||Unlimited||$5,000,000||Not applicable||Unlimited|
|Additional Expenses / Medical Evacuation||Unlimited||$500,000||$10,000||Unlimited|
|Luggage and Personal Effects||$12,000||$3,000||$4,000||$12,000|
|Rental Vehicle Insurance Excess||$4,000||Not available||$4,000||$4,000|
|Multi-trip‡||Not available||Not available||Not available||Available|
|Get a quote||Get a quote||Get a quote||Get a quote|
|^Up to one year.
‡The Works, The Basics and Domestic plans only cover single trips. The Annual plan covers multi-trips if you travel as often as you like within a 12 month period, as long as each trip is no longer than 38 days. 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.
Budget travel insurance FAQs
Is there an age limit for the budget policy?Anyone under the age of 76 can get cover on The Basics plan. Read more.
Can we pick and choose benefits to have on a policy?
Our policies are designed with travellers in mind; you are not able to remove specific cover benefits from your quote, but you can add on additional cover such as snow sports activities to your quote.
Can we select multiple regions on a single policy?
Yes, you can select multiple countries, regions or continents on one quote. Alternatively, you can also select worldwide. Note that there are regions and countries that are not covered by TID, so make sure to check the details on your certificate of insurance, and subscribe to Smartraveller for the latest travel advice.
During my travel, If I decided to return home early can I get a partial refund?
Unfortunately, we do not offer partial refunds if you decide to come home early. However, if you are travelling on The Works - our comprehensive plan - or Annual Multi Trip plan, and return to your home in Australia because, during your trip, a close relative of yours who is residing in Australia or New Zealand – and who is not travelling with you – dies unexpectedly or is hospitalised following a sudden illness or serious injury, we can reimburse you up to $3,000 for a single policy or $6,000 for a family policy. This will be towards return airfares to resume your trip within 12 months of your return to Australia, but only if more than 14 days remain in the period of your trip on your Certificate of Insurance when you return home. You can read more about this cover on page 13 of the PDS.
Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.
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