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Overall rating

Beware if travelling with person with Pre-existing Condition

Review by Susan | 26 October 2016, 17:21 PM | 4 comments Reviewed by Susan on 26 October 2016, 17:21 PM

Luckily I double checked to see if I would be covered with a Budget Direct policy for myself, if my a... Read more

Luckily I double checked to see if I would be covered with a Budget Direct policy for myself, if my adult daughter who has a pre-existing condition should become ill. The answer is no because I knew about her condition. Luckily nothing happened on past occasions when I took out the same policy not being made aware of the small print!

4 comments on this review

I'm a little lost with what you're trying to say. But by the looks of it you're implying is not correct. The only person who would have been affected by the above matter is your daughter. And the only part of the policy which she would have been excluded from would have been the pre-existing medical condition. If she had gotten sick for another reason, unrelated to the pre-existing medical condition, she would have still been covered. Likewise for all over coverage on the policy, such as travel delays, luggage etc. Who ever has told you the information you're implying has given you a bum steer.

Reply from Neil
20 July 2017, 17:43 PM

Hi Neil. This reply is rather belated some what! I did not get my daughter's travel policy form Budget Direct. I got my policy only through Budget Direct. Yes my daughter would have been covered on her policy with another travel insurance company. I was informed by a Budget Direct consultant that Budget Direct would not have honoured my policy if I had cancelled of my trip in order to support my daughter, if her illness was due to her pre-existing condition. Why? Because I was aware of her pre-existing condition. I now get my travel insurances for both my daughter and myself at the same travel insurance provider so there is no longer a problem. Hope this helps to explain!

Reply from Susan
20 July 2017, 18:28 PM

I think the moral of the story is that it is up to the Customer to read the PDS and the 'fine print' as you call it where it clearly states that they will not cover a pre-existing medical condition of yourself, anyone travelling with you or anyone at home that may fall ill and cause you to cancel or change your travel plans. This is why the product is such a cheap price.

Reply from Andrea Whyte
23 July 2017, 17:09 PM

My father passed away while we were overseas in May 2017 and because he had been prescribed medication between April and November 2016 it fell 90 days before we took out the insurance, even though we had no knowledge of his medication. They refuse to reimburse our travel expenses! Shocking policy! Do travellers have to get family and friends to disclose any medication before they travel. What happened to unexpected events? If we knew he was at risk we wouldn't have gone. He was 84 years old and living at home.

Reply from Peter F Jasper
18 January 2018, 11:21 AM

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Overall rating

Customer Experience

Claims Experience

Value for Money

Overall rating

Hide nor hair!

Review by AmyNicole | 28 May 2015, 11:42 AM | 0 comment Reviewed by AmyNicole on 28 May 2015, 11:42 AM

Never heard from them, nor saw the benefits - therefore I'm not sure what 'good' insurance is! I thin... Read more

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Customer Experience

Value for Money

Overall rating

Brilliant Travel Insurance product!

Review by Wendy | 11 March 2015, 02:43 AM | 1 comment Reviewed by Wendy on 11 March 2015, 02:43 AM

Upon seeing the Captain Risky on television, I noticed that Budget Direct also offered Travel Insuran... Read more

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Customer Experience

Value for Money

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Reputable, reliable, effective!

Review by Yang Xie | 20 February 2015, 16:16 PM | 1 comment Reviewed by Yang Xie on 20 February 2015, 16:16 PM

We headed off to NZ not knowing whether we needed Travel Insurance or not but realised that a foreign... Read more

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Customer Experience

Value for Money

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

Review by Aids45 | 19 February 2015, 13:50 PM | 0 comment Reviewed by Aids45 on 19 February 2015, 13:50 PM

I have never purchased travel insurance before but thought of Budget Direct because of my motor and h... Read more

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Customer Experience

Value for Money

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Great service

Review by Jodi | 01 February 2015, 21:24 PM | 0 comment Reviewed by Jodi on 01 February 2015, 21:24 PM

Not only did I get a great price for this product, the customer service and speed of response from Bu... Read more

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Customer Experience

Value for Money

Overall rating

Reasonably priced with good benefits

Review by jonno15 | 16 July 2013, 10:45 AM | 0 comment Reviewed by jonno15 on 16 July 2013, 10:45 AM

Did a few comparisons and found budget direct to be reasonably priced with good benefits that suits m... Read more

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Customer Experience

Value for Money

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