Before your trip, check the latest government advice for any travel alerts for your destination.

Overseas Travel Insurance

Heading overseas? Get travel cover for your international trip

What is overseas travel insurance?

When you book a holiday, it's time to start thinking about an itinerary, arranging tours, and what to pack. You may also want to consider purchasing travel insurance, which can offer cover for medical expenses, cancellation, luggage, and more.

Travel Insurance Direct’s (TID) overseas travel insurance is designed to cover those pesky financial costs or unexpected losses that occur when you're travelling. TID offers The Basics and The Works plans for a single international trip or to multiple countries worldwide. Our Annual Multi Trip plan is perfect for travellers who make multiple trips over the course of a year.

So, whether you're planning a trip to Bali, the USA, or travelling around Asia and beyond, you can choose which travel insurance suits your needs.

When should I consider overseas travel cover?

Once you've purchased your travel insurance, cover for your travel plans starts from when your Certificate of Insurance is issued. This means if you've booked your flight and break your leg the next day, you could be covered for the cancellation costs of pre-booked and unused travel and accommodation.

What does TID overseas travel insurance cover?

The team at Travel Insurance Direct has travel insurance plans for your next trip overseas - whether it be Basic, The Works or Annual Multi Trip. 

TID travel insurance coverage includes:

Traveller tip: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date. 

Depending on which travel insurance plan you choose, these are just some of the highlights of TIDs travel insurance coverage:

Medical bills

Cover for hospital or doctors' bills when you're not at home can reach the high thousands. If you're suddenly taken ill on holiday and need medical attention or you’ve suffered a dental or injury mishap, all our overseas plans include medical cover, though benefit limits vary depending on the plan you choose.

Luggage and valuables

There's nothing worse than realizing that your suitcase, bag, phone, or passport has been stolen. With TID’S overseas travel insurance, cover is available for personal belongings and valuables against theft, loss, and damage.

Cancellation costs

If you're travelling for study or to a wedding and can no longer make the trip, TID's cancellation cover may be able to help. We cover 11 specific scenarios where you've had to cancel for reasons beyond your control and may offer cover for the cost of your unused arrangements up to the benefit limit.

Rental vehicle insurance excess

If you're hiring a car on your trip and it gets damaged or stolen, you may have to pay towards replacing or fixing the vehicle. Our overseas insurance plans can cover the cost up to the benefit limit. Terms and conditions apply.

Compare our travel insurance plans

It’s easy to see how much TID’s travel insurance plans give you in terms of cover by comparing them.

  1. The Works plan is for travellers who want comprehensive cover and added benefits for a single trip
  2. The Basics plan is designed for those who are on a budget.
  3. The Annual Multi Trip plan is perfect for travellers planning to go overseas multiple times in one year.

Travel tips for going overseas

  • Research your destination: Familiarize yourself with local customs, laws, and healthcare facilities.
  • Stay healthy: Carry necessary medications, stay hydrated, and be cautious of food and water. TID has the added bonus of offering cover for some existing medical conditions, for more information on what existing medical conditions we cover click here.
  • Keep documents safe: Make copies of important documents and store them separately from the originals.

Don’t leave your holiday to chance. Get a quote and travel knowing you’re covered for the unexpected. Whether it’s a single trip or multiple trips throughout the year, we’ve got the right plan for you.

Further information

Always refer to the Australian Government’s Smartraveller website for current travel alerts before you buy a policy, before you leave Australia, and during your travels. TID’s Travel Alerts page is also an important page to keep bookmarked.

Overseas travel insurance FAQs

Why do I need travel insurance for my next holiday overseas?

Travel insurance offers cover for medical emergencies, trip cancellations, travel delays, and lost or stolen belongings. It can help with financial burdens caused by unexpected events during your travels.

What are the main things that travel insurance will cover me for when going overseas?

Travel insurance typically covers medical emergencies, trip cancellations, travel delays, baggage and personal belongings, and various adventure activities. Each plan offers different levels of coverage, so choose one that fits your needs.

Why is it important to read the terms and conditions of travel insurance?

Reading the terms and conditions helps you understand what is and isn’t covered by your TID policy, any exclusions, and the claims process. This ensures you’re fully informed and can avoid any surprises when you need to make a claim.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.