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Travel Insurance Direct

Comprehensive Travel Insurance

Focus on the fun with our most popular & comprehensive plan, called The Works - it’s like flying first class without the price tag.

What is comprehensive travel insurance?

The Works is our highest level of cover and is designed for travellers who want absolute peace of mind when they’re on holiday. It's our most popular plan, we've designed it to really let you focus on the fun. The cover available has higher benefit amounts and includes rental vehicle insurance excess. The Works covers single and return trips only, not annual multiple trips. 

What does comprehensive travel insurance cover?

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 $2,000
with option to increase
with option to increase
with option to increase
with option to increase
Additional Expenses / Medical Evacuation Unlimited $250,000 $50,000 Unlimited
Personal Liability $2,500,000 $1,000,000 $300,000 $2,500,000
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
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^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.

Comprehensive travel insurance FAQs

Am I covered for Coronavirus (COVID-19)?

All international plans include cover for overseas medical expenses. Depending on the plan you choose, there may also be cover available for some other Coronavirus related events. Cover is explained in detail here

What are the differences between Comprehensive Overseas Travel Insurance and Budget Overseas Travel Insurance?

It’s all about more cover. The Works is our highest level of cover and is designed to give you absolute peace of mind when you're on holiday. You need more cover for your phone, more cover for delayed travel, and you definitely don’t want limits on your medical expenses! You want The Works. There’s even cover for loss of income if you can’t work after suffering an injury overseas. Often, those little extras can really fill in the gaps. It’s a lot more cover for really not that much extra up front. You can compare our plans here.

Does the comprehensive plan cover multiple trips in a three month period?

No. This plan, The Works, is only valid for the duration of either a single or return trip. The policy cover is available from the departure to the return date outlined on your quote. You will then see the dates on your Certificate of Insurance if you purchase it. Only the Annual Multi Trip plan covers multiple trips within a 12 month period.

What about skiing and snowboarding?

You can buy additional cover if you plan on participating in snow sports. You can add it on at the time of purchase.

Do you cover my phone?

Newer phones can be expensive, so you may want to specify it on the policy. It’ll cost a bit more, but if it’s specified, cover is available. Otherwise, we can pay up to $700 for a stolen phone. 

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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.