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Travel Insurance Direct Basics review

Travel Insurance Direct Basics travel

CHOICE Expert Rating

61%
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Scores

CHOICE Expert Rating (%)
61%
Cover score (%)
63%
Price score
58%
Medical cover score
90%
Cancellation cover score
44%
Additional expense cover score
54%
Baggage cover score
24%

Description

Policy type
One trip
Provider
NIB

Conditions

Policy age limit
74
Dependant age limit
20

Annual multi-trip

Annual travel duration
N/A

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
6 months

Pregnancy

Pregnancy
Pregnancy stage covered
26
Childbirth costs

Medical

Medical expenses
Unlimited
Expenses for a person to accompany a sick policyholder
$250,000.00
Daily hospital cash allowance
$0.00
Hours of hospitalisation before you receive the daily hospital cash allowance
N/A
Dental expenses for accident or injury
Unlimited
Dental expenses for acute pain
$1,000.00
Overseas funeral costs
$15,000.00

Additional expenses

Additional travel expenses for injury or sickness
$5,000.00
Additional expenses for interrupted travel
$5,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for a sick relative
Additional expenses for resumption of journey interrupted for a relative
$0.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$0.00
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$2,000.00
Item limit
$700.00
Camera limit
$700.00
Laptop or tablet limit
$700.00
Smartphone limit
$700.00
Prescribed medications
$700.00
Baggage in a car during the day
$2,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$0.00
Baggage lost temporarily
$150.00
Hours before cover applies for baggage lost temporarily
10

Special event

Additional expenses for a special event
$0.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Travel delay expenses
$0.00
Hours before travel delay covered
N/A
Limit per 24 hours for travel delay
N/A

Car rental

Rental car excess
Limit for rental car excess
$6,000.00

Activities

Mopeds and motorcycles
  • Excludes mopeds with an engine capacity 125cc or below ridden without an Australian motorcylce license
  • Covered for motorcycles above 125cc with an Australian motorcycle license
Snow sports
  • Optional cover for snow sports on-piste and off-piste
Scuba diving
1
Abseiling
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
White water rafting

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Includes cancellation and additional expenses for transport accident
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical expenses if the policy holder contracts COVID-19
  • Excludes cancellation and additional expenses for COVID-19
Pandemic
  • Includes medical expenses for pandemics other than COVID-19
  • Excludes cancellation and additional expenses for pandemics other than COVID-19
Natural disaster
1
Civil unrest
1
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
Unlimited
Cancellation
Yes Cover chosen
Baggage
Yes 2000
Cruises
1

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