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Budget Direct Travel Insurance Review

2.1 / 5.0 CTI Rating
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Natalie Smith

Reviewed by Natalie Smith

Travel Insurance Analyst | Updated Jun 1, 2026

CTI Verdict

Budget Direct is a well-known name in Australian insurance and its travel plans offer solid coverage at competitive prices, making it a good pick for value-conscious travellers. The plans cover a wide range of activities as standard, and there's a generous 21-day cooling-off period if you change your mind after buying. Just be aware they have slower claims turnaround times compared to competitors.

Customer reviews

Peter J.

January 2018

Don't Waste Your Money

Mark K.

December 2017

Don’t pay claims

Kathleen

October 2017

It’s about the claims process, not the price

Harjeet S.

September 2017

Really bad with claims

Brooke A.

July 2017

Will definitely be using budget direct again.

Shaneoh1980

May 2017

Painful

Susan

October 2016

Beware if travelling with person with Pre-existing Condition

Amynicole

May 2015

Hide nor hair!

Wendy

March 2015

Brilliant Travel Insurance product!

Yang X.

February 2015

Reputable, reliable, effective!

Aids45

February 2015

Cheap, peace-of-mind, easy to apply!

Jodi

January 2015

Great service

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    Got questions?

    Frequently asked questions

    How many people can I include in my policy?

    The more the merrier right? You can purchase insurance for parties of 10 online. Call up Budget Direct to see how many additional people can be added to your policy.

    Am I covered if I go on a cruise?

    Yes, Budget Direct does provide cover for cruises, but make sure you check 'pacific' on your destination selection. Once your ship has set sail you are no longer considered to be in Australian waters.

    Am I covered for skiing and my equipment?

    You will only be covered for skiing and snow sports if you have purchased the Snow Sports Cover upgrade. This upgrade will cover you for ski and snow sport equipment, piste closure and for avalanche.

    Can I pay to reduce or cancel my excess?

    With Budget Direct Travel Insurance you can choose the standard excess of $200 or you can pay a higher premium and waive your excess or halve your excess.

    Am I covered if my tour company collapses?

    No, Budget Direct does not cover for insolvency.

    I'm not an Australian resident- can I buy cover?

    Non-permanent residents can purchase a Budget Direct travel insurance policy providing that you have a valid Medicare Card, a Private Health Fund or Overseas Student Travel Insurance.

    What size moped or motorbike am I covered to ride overseas?

    You can ride any size motorbike provided you hold a driving licence appropriate for the country you are in. If you are using a motor cycle rated 125 cc or higher, you must hold a current and valid licence for driving the equivalent rated motorcycle in Australia.

    How long is their single trip cover for?

    12 months.

    Can I extend my policy from overseas?

    Having too much fun? No problems! If you decide to lengthen you trip you can do so for up to 12 months. Call Budget Direct on 1800 444 424.

    Do they cover for my rental vehicle excess?

    Budget Direct includes cover of up to $6,000 for the excess of a rental vehicle in case of collision, damage or theft.

    Who underwrites them?

    Auto & General Insurance Company Ltd.

    Where are they based?

    Brisbane.