Travel Insurance Direct

Budget Travel Insurance

Great value cover at a super-competitive price with The Basics plan - it’s like flying economy with a little extra leg room.

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.

Personal Liability.

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
Cancellation Costs Unlimited $3,000 $10,000 Unlimited
Personal Liability $2,500,000 $1,000,000 $1,000,000 $2,500,000
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.

Find out more about budget overseas travel insurance

3 Long Weekend ideas on a budget

3 Long Weekend ideas on a budget

There’s nothing like a long weekend to break up the repetitive rhythm of daily life. With one extra day off, suddenly you find yourself wanting to make the most of the time off and head out of town. A prospect that can be tricky on a budget...

Find out more
Can you have your Hawaiian dream holiday on a budget?

Can you have your Hawaiian dream holiday on a budget?

There are few places that can compete with Hawaii when it comes to the ultimate island holiday. In 2016 alone, 8.9 million people visited Hawaii, setting a record high for the American state...

Find out more
How much does it cost to be hospitalised in most popular destinations?

How much does it cost to be hospitalised in most popular destinations?

Barely a week passes without a news story breaking about an Australian getting into trouble overseas and requiring serious medical attention. And yet, people still flock overseas without travel insurance...

Find out more

Ready to go?

As soon as you book your tickets you should be booking travel insurance to make sure you’re covered in the lead-up to, and during your trip. Start by getting a quote below.