Travel insurance provides financial protection against unforeseen circumstances that may arise while travelling, such as trip cancellations, medical emergencies, and lost or stolen baggage. It helps cover the costs of overseas medical expenses and emergency medical evacuation, giving you peace of mind.

Do note, Budget Direct Travel Insurance policies are protected under the Policy Owners’ Protection Scheme, administered by the Singapore Deposit Insurance Corporation, ensuring your policy security. 

It is recommended to buy travel insurance as soon as possible after booking your trip. This is because travel insurance provides coverage for trip cancellations and other unforeseen circumstances that may arise before your trip. By purchasing your policy early, you maximise the benefits and ensure you are protected from the moment you book your travel arrangements.

Leisure skiing and snowboarding on marked slopes with or without an instructor are covered by your Budget Direct policy. 

Off-piste skiing is not covered by your travel insurance.  

Please note, extreme sports are not covered by your travel insurance. 

Yes, our travel insurance policy covers you when you are trekking, provided it is for leisure and you show the following: 

• you did not venture higher than 4,000 metres above sea level during the trek; 
• you trekked in a public place; 
• the trek was organised by a recognised tour operator or activity provider or under the guidance and supervision of licensed guides or instructors of a recognized tour operator or activity provider; and
• you wore the necessary safety equipment and followed the prescribed safety procedures, rules and regulations of the licensed guides or instructors.

We cover scuba diving provided it is for leisure and you show the following: 

• you hold a Professional Association of Diving Instructors (PADI) certification (or similar qualification recognised worldwide) and dive with a companion who holds a PADI certification (or similar); or 
• you dived with a qualified instructor, 

and the dive is not deeper than the depth as shown in the PADI certification or 30 metres, whichever is less deep.

No, we don’t cover participation in any sports (whether professional or not) in which you or the insured person could receive any form of prize including money, donation, sponsorship, award or certificate.

Single-trip travel insurance is a type of travel insurance that covers the duration of a single trip, typically not more than 182 days. It is ideal for occasional travellers who rarely venture overseas and do not need annual coverage.

With a Budget Direct travel insurance policy, you can choose a single trip plan with the option of Comprehensive Plus, Comprehensive or Basic coverage to suit your travel needs and your budget.

Single-trip travel insurance ensures that you are protected for the duration of your trip, giving you peace of mind as you explore new destinations.

When choosing travel insurance, it's important to understand the difference between single trip and annual travel insurance, so you can pick the right coverage for you and your family members.

Single Trip Travel Insurance

The plan covers one single trip only — from the moment you depart until you return. It’s ideal for:

• Travellers going on a one-off holiday or business trip
• Occasional travellers or families taking a single vacation
• Those who want coverage for just one trip

Annual Multi-Trip Plans

This policy covers unlimited trips within a 12-month period, each trip lasting not more than 90 days. It’s ideal for:

• Frequent travellers or business travellers
• Families or individuals planning multiple trips a year
• Those looking for the convenience of one policy for all travel plans within a year

Tip: Always check the policy terms (and travel advisories) to ensure your destination, travel dates etc. are covered — especially when travelling with family members.

Yes, if you named them under the Family Plan policy at the time of purchase. This Family Plan covers up to 2 adults travelling with up to 4 children. The children must be related to at least one of the adults.

We suggest you take out our Group plan as you will enjoy a better discount. We recommend that all families with just two members take out our Group plan.

Claims related to COVID-19, and any other epidemics or pandemics are not covered under your Budget Direct Travel Insurance policy.

Our travel insurance does not cover claims arising from a pre-existing medical condition or any illness or condition you were already aware of before your trip. This applies to conditions affecting you, your family members (who are not travelling with you on your trip), or your travelling companions.

When you're buying an annual travel plan, destinations are grouped into three travel zones: ASEAN, Asia, and Worldwide. Here’s how each zone is defined.

Covers travel to Brunei Darussalam, Cambodia, Indonesia, Lao People’s Democratic Republic, Malaysia, Myanmar, Philippines, Thailand and Vietnam.

Includes all ASEAN countries plus Australia, China (excluding Tibet), Hong Kong, India, Japan, South Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan and Timor-Leste.

Covers all other countries, except: Afghanistan, Iran, Iraq, Sudan, Syria, Democratic Republic of Congo and Democratic Republic of Somalia.

Choose the zone for the furthest or most inclusive zone that any of your intended destinations falls under.

For example:

• If you are visiting Thailand (ASEAN) and Japan (Asia) → select Asia.
• If you are visiting Australia (Asia) and Canada (Worldwide) → select Worldwide.

If you're buying a single-trip plan and travelling to more than one country, simply select the destination furthest from Singapore.