Yes its in the fine print but a 24 hour delay in my flight and only just being able to make a wedding with a three year old is not good enough to trigger insurance to help us. Just a waste of money
Real value for money
The lady on the phone of budget insurance was do helpful ,friendly and patient ,highly recommend
Will be using budget insurance definitely again and also recommending them
Excellent value and very easy to set up
- Last Minute Travel Insurance
- Verified customer
Awesome prompt service
Great value at a very good rate for comprehensive insurance, very prompt service as it was the first time user.
Will definitely use in future and broadcast to friends, thank you.
The reviewer stated that an incentive was offered for this review
Hi this is the first time I've booked travel insurance with you. Very good rates and easy to understand. Made booking with you a breeze.
Luckly I didn't need to do a claim.
Well thought out and easy process
Goog all round policy easy to understand hopefully easy to claim if something goes wrong. Had all the inclusions that I need and none of the stuff that I would otherwise pay for and don't need
Each time and each new place you travel you get charged extra.
12months cover. Each country in that time should not be extra. The point of an annual Multitrip policy is that you're covered anywhere in the world for that 12 months.
How easy was this!!
If I could upload my text exchange with a friend, I would!! I had a swear word because it was so simple. This was so quick and easy and exceeded my expectations. And $400 cheaper than my other quote.
Avoid at all Costs - Policy has no practical real world value
At the beginning, when they take your money, it is all sunshine and circuses but as soon as you make a claim the dark clouds roll in.
Don't be fooled by the PDS, it has a couple of pages on what is covered by the insurance then scattered throughout the numerous pages in the rest of the document what is not. And let me tell you, pretty much everything you thought was covered in the beginning is excluded by the time you get to the end. Even common reasons such as taking prescribed medication or seeing your GP before taking out the insurance can ...be used as reasons to reject a claim. I made claim after my father died while I was on a domestic trip. Even before I had supplied all the requested paperwork my claim was rejected. That's right they didn't bother waiting to get all the facts, my claim was rejected before they had all the information. Then trying to get information from Budget Direct (actually Allianz who handle the claims) was almost impossible. Trying to negotiate the review process was appalling. They don't reply to emails, they fail to meet their own service standards, they only return calls once a week on a Friday afternoon so if you miss them that is it for at least 7 days. When you call them you are shunted though three layers of service staff only to be told they will get back to you with a letter 'next week'. So keep away from Budget Direct, it is simply not worth your money to buy insurance from them.
WARNING: Comprehensive is not actually comprehensive
On a trip in Europe I had my 'business' bag stolen in Krakow Poland. It had over $3,785.67 of electronics (not hard when an iphone is $1,800). I received a police statement and lodged the claim.
After months of back and forth, the most this company is willing to offer is $1,200 to replace the items stolen when I bought comprehensive insurance. The reasons stated is 1) depreciation (which they will not provide me the depreciation schedule and none of the equipment was old enough where the resellable value would have been that low on th...e second hand market) and 2) there was an ambiguous $750 cap on all electronic items. The reason why I say ambiguous is because the product disclosure statement 'Luggage and Personal Effects^ $7,500, Including sub-limits for laptops, tablets, cameras and video cameras, mobile phones only $3,000'. At this point I stopped reading, but underneath that is 'Including single article limit/pair or set of items limit $750.' I don't believe anyone in Australia would agree that $750 is enough to cover a high quality phone, camera, laptop or any high quality electronic device. Anyway, STAY AWAY. I am submitting a further review to the Australian Financial Complaints Authority and recommend anyone in a similar position to do the same.
Best price and service
The policy represented good value and was easy to secure. Whilst no claims were necessary it was reassuring to know that we were covered in the event of an emergency
Cheapest and covers all my needs
Good value and cheapest when comparing all required cover aspects. Will only be used in December. Has not yet been necessary to make any claims and hopefully none will be.
Value for money
Never used before would check them out again next time I travel- seemed to fit in with my plans just right- easy to load up online and pay for the cover
Comprehensive Travel Insurance? Rubbish!
We were considering a 'Comprehensive' travel insurance and chose the Comprehensive Budget Direct Travel Insurance as it provided the best "cover".
Our trip to New Zealand was delayed by one day due to adverse weather conditions. Virgin Australia amended the flights to the next day free of charge which was great! The only available flight to Queenstown was only available the next day, pushing our trip by an extra day.
We had to lose a day of accommodation, but had to pay an extra day which we thought + advised by other people in the airport + ...travel agent that it would be covered under "Travel Delay Expenses" - covered $100 per 12 hours delayed up to $2,000 with $0 excess. We paid $162 for the extra night accommodation, which would ideally be covered the 'Travel Delay Expenses' seeing as we the next flight available was 24 hours later ($100 per 12 hrs x2 = $200 covered). HOWEVER, because we didn't leave the country on the date intended, the policy did not cover those delayed expenses. Are you serious?! We couldn't leave the country. There was no other way to get to where we wanted to go on the same day! We even considered flying to another city and driving down but wasn't an option for the same reason. Never been so disappointed with a company before. We would never recommend Budget Direct/Allianz whoever it uses, based on this experience. Such a negative customer experience with this company, very unsatisfied. Didn't offer to help or provide a solution as a gesture of goodwill. Be careful if you're even considering them...
Your chances of having a satisfactory claim
I was considering getting a Budget Direct domestic insurance policy so I decided to check on what proportion of claims had satisfactory results. All insurance companies are happy to make it easy for you to pay them but some are quite reluctant to pay on claims.
So I counted the positive and negative results of travel claims recorded on Product Review by Budget Direct policy holders. 21 had positive results and 65 negative results.
Go figure your chances of a happy outcome if you have to make a claim. I am looking for another insurer.
read very carefully the fine print
I had a fall in my sisters place and bleed all over carpet . thought my personal liability would cover the $270 carpet clean. unfortunately not so "because it happened in the property of a family member, it is not covered"
they also wanted me to fly on my original return date against the treating doctors advice. the "Nurse" that questioned me about my injuries didn't even know I had 2 injured legs and had no idea of how I would get to the airport with leg brace and moon boot on a 2 hour train journey.
I certainly won't recommend their insuranc...
This is the first time I've bought travel insurance through Budget Direct. Easy to purchase online. Had a medical claim which I submitted just after I returned home. It was approved in 24 hours and I had payment within 48 hours. Impressive service!
- Comprehensive Travel Insurance
- Verified customer
I feel that Budget Direct is a scam
I gave them all the context of the claim. I attached all the receipts and they came back with: "Your policy does not have cover for delayed flights with 'crewing' reason".
My policy is their best one (Comprehensive). If my policy does not have, no other policy has too.
I feel like airline and travel insurance companies are aligned to say reasons that neither of them is responsible to pay.
JetStar says: use your travel insurance
Budget Direct travel insurance says: we do not cover
I feel deceived.
Best on offer
The offer was good value, this is the first time we have used budget, it will not be the last as we intend to do more traveling in the coming years, cruising, train trips, buses etc. As we increase in years we need to see as much as we can.
Great for basic domestic travel insurance
Very easy and simple to quote and buy. I was after basic cover so this was perfect for my quick family domestic holiday (there is probably more comprehensive cover but I wasn't looking for that). It was very inexpensive too and was the cheapest I found.
Schmick ads .... wait til something goes wrong see how Schmick they are then
Seasoned traveller always use travel insurance
First time budget direct never again ... quick quote and to take my money lodged a claim very legitimate as I had to cancel my trip
Budget Direct made it so difficult so much paperwork and banal re requests took them 4 months of pfaffing around to deny my claim
Just had another holiday used ANOTHER insurer and WILL never use budget direct again
I travel with a couple of girls and we always travel 10weeks plus so us 3 and anyone else who I can tell will NOT use this company
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Questions & Answers
I am travelling to canada for 2 week skiing holiday. Aged 62 suggestions
As I am shortly to travel to Bali what policy would cover travel delays should volcano erupt?
My wife are planning a week in Bali next month. Her mother is 92 years old and resident of a care home. Other than being very old she is well and expected to last a few years yet. If she were to fall ill suddenly and we were required to cancel or return at short notice would we be covered under your comprehensive travel policy.
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