To say, “budget direct travel insurance” is really a type of double entendre. To purchase direct travel insurance, straight from the insurer with no middle men and no commissions, is to purchase “budget” insurance.

Purchasing via a travel agent will often cost up to 66% more than purchasing through a travel insurance company direct due to add-on commissions, while purchasing your domestic or international travel insurance from an “online” travel insurer is usually far cheaper still.

Great Low-Cost Options for Singles to Groups

Naturally, everyone is on the lookout for cheap travel insurance. When heading off on an alpine get-away the last thing anyone wants is to be hit with more expenses. On the other side, the last thing anyone needs is to expose themselves to financially devastating risk.

By researching our Aussie insurance companies, you’ll find many have reached that happy medium - travel insurance with great benefits priced to suit most budgets. Great-value budget direct insurance policies are usually available for Singles, Duos and Families with value packages also tailored to groups usually from 10 members or more.

Groups that benefit from special discount rates for either domestic or worldwide travel insurance include student, church, bank and civic groups, extended families or even groups of friends enjoying the slopes together.

Check Those Policy Details

Choice, Australia's own consumer watch-dog, advises travellers beware when purchasing overseas or domestic travel insurance to the snow, warning to check which extreme sports are covered by, or excluded from, the insurance policy.

These types of extreme sports usually include para-penting, heli-skiing, the luge and others. If not covered, in case of injury you may ultimately have to pay the cost of rescue, evacuation and medical and hospital expenses yourself. Always confirm these details.

The Australian Insurance Ombudsman also warns about checking the details of extreme sports as well as the importance of declaring and understanding the requirements for pre-existing medical conditions, something each company should have clearly lain out in their policy documents.

Compare Outgoings with Incomings

The outgoing is what you pay for your budget direct travel insurance policy. The incomings is what you receive if you have an accident, your luggage or possessions are stolen or a blizzard sets in and cuts your holiday short. Only then will you discover if it was great value budget cover, or just plain cheap. By doing your comparative research, you should be pretty safe.