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Travel Insurance Direct Travel Insurance Review

3.5 / 5.0 CTI Rating
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Natalie Smith

Reviewed by Natalie Smith

Travel Insurance Analyst | Updated Jun 1, 2026

CTI Verdict

Travel Insurance Direct (TID)’s straightforward plan structure – The Basics, The Works, and an Annual Multi-Trip option – makes it super easy to find the right level of cover for your trip. The Works plan offers unlimited overseas medical and generous luggage sub-limits, particularly for tech gear. Just be aware that pre-existing medical conditions are only covered via an automatic list; so if your condition isn’t on it, there’s no assessment pathway and you’ll need to look elsewhere. Ideal for younger travellers who want to ensure their belongings are protected.

Customer reviews

Drdriver

January 2013

Good for car rental excess.

A_miranda

January 2013

Happily recommend to others.

Liz_bent

January 2013

Should never be trusted.

Adam1963

January 2013

Does what is says on the tin.

Scarlettb

January 2013

Happy with TID.

Maddisony3

January 2013

Neutral experience

Ryan787

January 2013

TID - a kick in the teeth.

Pearlypearls

January 2013

Don't go with TID unless you like peanuts

Justin26

January 2013

Will definitely use them again.

Greta

January 2013

TID were great when I had to cancel my trip

Katewill33

January 2013

Best out of 6 that I compared.

Andyeverett

January 2013

Cool on the outside, not so cool on the inside

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    Got questions?

    Frequently asked questions

    How many people can I include in my policy?

    On their website you can only buy a policy for 2 adults, and children go free.

    Am I covered if I go on a cruise?

    Yes, you don't even need to pick a cruise specific policy. Here's a top tip: Even if you're travelling in Aussie water you still need to pick pacific for destination.

    Am I covered for skiing and my equipment?

    Yes if you purchase their snow sports activity option. This policy will cover for $1,500 worth of skiing equipment, $1,000 piste closure and $1,500 skiing pre-paid costs.

    Can I pay to reduce or cancel my excess?

    Yes if you pay a buy-out option to decrease your excess to nil.

    What additional extras are there?

    Download their Tripwise app to get phrasebooks, trip notes, local help, policy information and more!

    Am I covered if my tour company collapses?

    Travel Insurance Direct doesn't provide protection from losses arising from the failure of an travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel and tourism service provider.

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

    Yes, you can buy a policy if you hold a current and valid Australian 457 visa, other skilled working visas and spousal visas but does not include, for example, those on Australian working holiday visa.

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

    TID will cover you for any engine size you ride as long as you're insured to do so in Australia and the country you are riding in. And you must be wearing a helmet.

    Can I extend my policy from overseas?

    Sure can, up to 12 months.

    Do they cover for my rental vehicle excess?

    Yes, they will cover up to $4,000 if you are required to pay for accidental damage, malicious damage, loss or theft of a vehicle you have rented from a licensed rental agency and whilst you are the driver.

    Who underwrites them?

    Lloyds of London.

    What's their cooling off period?

    14 days

    Where are they based?

    Sydney!