If you're trying to travel on a shoestring, you'll want travel insurance that fits into your budget. The Basics plan is our lower-priced insurance, offering many of the same benefits just with reduced limits.
You don't have to be a student or backpacker to buy The Basics plan – our budget holiday insurance is designed for travellers who are:
The best thing about our budget insurance is that it gives you good cover across all the essentials for your overseas trip without breaking the bank.
Getting sick overseas can be scary. If you have to go to a doctor, a hospital or get in an ambulance for illness or injury, there is cover for up to $5m worth of medical bills.
If your bags get sent to a different destination, or there's a delay in getting your luggage out of Australia, the Luggage and Personal Effects cover could pay for out-of-pocket replacements.
The budget overseas insurance doesn't have all the features included in The Works or Annual Multi-Trip plans, so compare our plans to make sure you’ve got the right level of cover for your holiday. For example, you're not covered for travel delay; resumption of trip; return airfare; car hire excess; theft of cash or any money you have to spend replacing your passport.
|Comprehensive Overseas Insurance (The Works)#||Budget Overseas Insurance (The Basics)#||Domestic#||Annual Multi trip#|
|Medical Expenses Overseas (including Coronavirus)^||Unlimited||Unlimited||Not available||Unlimited|
|Cancellation Costs||$2,000with option to increase||$1,500with option to increase||$2,000with option to increase||$2,000with option to increase|
|Additional Expenses / Medical Evacuation||Unlimited||$250,000||$50,000||Unlimited|
|Luggage and Personal Effects||$12,000||$2,000||$4,000||$12,000|
|Rental Vehicle Insurance Excess||$6,000||$6,000||$6,000||$6,000|
|Coronavirus Travel Costs||$2,500||Not available||$2,500||$2,500|
|Get a quote||Get a quote||Get a quote||Get a quote|
|^Up to one year from the date of injury or illness. Subject to all terms and conditions for existing medical conditions.#Benefit limits are for a single plan.Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read our PDS.|
Our budget travel insurance automatically includes cover for over 150 countries worldwide. Some destinations covered include:
This Indonesian island is the ultimate place for travellers who want to make their money go further. With beach-side hostels costing as little as $2 a night and cheap street food, the cost of holidaying in Bali can be surprisingly low.
From basic hostels to 5-star hotels, famous cities to lesser-known towns, travelling around Europe suits all kinds of budgets. If you're heading to the continent and need to stick to the low-end of the cost scale, opt for places that are outside of the tourist trail and hop around by bus.
The best way to see the States on a shoestring is on the road. Hiring a car to tour various cities and sights with a group of friends is cost-effective and lets you pack loads into one amazing trip.
A favourite amongst Aussies who want to experience New Zealand for less is to hire a campervan and tour the country, stopping at the many holiday parks dotted around Kiwi hotspots.
Anyone under the age of 76 can get cover on The Basics plan. Read more.
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.
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.
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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