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Travel Insurance Direct (TID) Reviews
Travel Insurance Direct (TID) are quickly becoming a major player in the Australian online travel insurance scene with their cheap prices and good levels of customer support. Review their level of cover to determine if it provides enough protection for your holiday. Travel Insurance Direct recently changed their underwriter from Allianz to Loyds of London. This may have changed parts of their policy so make sure you read the PDS to ensure you are still covered for what you need.
Summary of Travel Insurance Direct cover
 | Medical Cover |  | Unlimited |
| Luggage Cover | | $12000 | |
| Laptops, Mobile Phones, iPod, Camera | | $4,000 for laptop, notebook, handheld computer, camera or video camera. $700 max for each other items. | |
| Sports and Activities Cover | | Good Range, includes some Snow and Ski cover | |
| Cancellation Cover | | Unlimited | |
| Excess | | $100 | |
Details
Website: http://www.travelinsurancedirect.com.au
Phone Number: 1300 843 843
Claims: 1300 728 025
Underwriter: Lloyds
Emergency Service Provider: Specialty Assist
Contact Method: Reverse charge call to Australian number or local number in a limited number of countries
24 hour emergency assistance call
+61 7 3305 7499 (reverse charge from overseas)
Maximum Age: 80
Children: Yes. Family policy includes dependent children/grandchildren under the age of 21 at the date of policy issue.
Extension Available: Yes
Additional Length: up to 6 months
International Holiday
Schedule of Benefits
| Benefit Type | Single | Family |
|---|---|---|
| Medical Expenses Incurred Overseas | Unlimited | Unlimited |
| -Emergency Dental | $500 | $500 |
| Cancellation Costs | Unlimited | Unlimited |
| Additional Expenses – Medical Evacuation | Unlimited | Unlimited |
| Loss Of Income | $10,000 | $20,000 |
| (sub-limit of $1,500 per month) | ||
| Out Of Pocket Expenses | $6,000 | $12,000 |
| (sub-limit of $50 per day) | ||
| Travel Delay | $2,000 | $4,000 |
| (sub-limit of $200 per 12 hours delay) | ||
| Return Airfare | $6,000 | $12,000 |
| Resumption Of Trip | $3,000 | $6,000 |
| Special Events | $2,000 | $4,000 |
| Rental Vehicle Excess | $4,000 | $4,000 |
| Return Of Rental Vehicle | $1,000 | $1,000 |
| Domestic Pets | $500 | $500 |
| Trip Disruption | $2,000 | $4,000 |
| Hijacking | $2,000 | $4,000 |
| Withdrawal Of Services | $500 | $500 |
| Snow Skiing Piste Closure | $1,000 | $2,000 |
| Snow Skiing Benefits | $1,000 | $2,000 |
| Snow Skiing Equipment Replacement | $1,500 | $3,000 |
| Bad Weather and Avalanche Closure | $1,500 | $3,000 |
| Domestic Services | $500 | $500 |
| Accidental Death | $25,000 | $50,000 |
| Total Permanent Disability | $12,500 | $25,000 |
| Luggage & Personal Effects (sub-limits on laptop, notebook and hand held computers, video cameras and cameras up to $4,000 all other items $700) | $12,000 | $24,000 |
| Personal Liability | $2,500,000 | $2,500,000 |
Annual Multi Trip including Business
Schedule of Benefits
| Benefit Type | Single | Family |
|---|---|---|
| Medical Expenses Incurred Overseas | Unlimited | Unlimited |
| -Emergency Dental | $500 | $500 |
| Cancellation Costs | Unlimited | Unlimited |
| Additional Expenses / Medical Evacuation | Unlimited | Unlimited |
| Loss Of Income | $10,000 | $20,000 |
| (sub-limit of $1,500 per month) | ||
| Out Of Pocket Expenses | $6,000 | $12,000 |
| (sub-limit of $50 per day) | ||
| Travel Delay | $2,000 | $4,000 |
| (sub-limit of $200 per 12 hours delay) | ||
| Return Airfare | $6,000 | $12,000 |
| Resumption Of Trip | $3,000 | $6,000 |
| Special Events | $2,000 | $4,000 |
| Rental Vehicle Excess | $4,000 | $4,000 |
| Return Of Rental Vehicle | $1,000 | $1,000 |
| Domestic Pets | $500 | $500 |
| Trip Disruption | $2,000 | $4,000 |
| Hijacking | $2,000 | $4,000 |
| Withdrawal Of Services | $500 | $500 |
| Snow Skiing Piste Closure | $1,000 | $2,000 |
| Snow Skiing Benefits | $1,000 | $2,000 |
| Snow Skiing Replacement | $1,500 | $3,000 |
| Bad Weather and Avalanche Closure | $1,500 | $3,000 |
| Domestic Services | $500 | $500 |
| Accidental Death | $25,000 | $50,000 |
| Total Permanent Disability | $12,500 | $25,000 |
| Luggage & Personal Effects (sub-limits on laptop, notebook and hand held computers, video cameras and cameras up to $4,000 all other items $700) | $12,000 | $24,000 |
| Personal Liability | $2,500,000 | $2,500,000 |
| Business Equipment | $5,000 | $5,000 |
| Hire Business Equipment | $1,000 | $1,000 |
| Recreate Business Documents | $1,000 | $1,000 |
Hi Chris,
we take our customer service very seriously and would really like to investigate your claim issue. If you go to http://service.travelinsurancedirect.com.au/customer/portal/emails/new
and tell us your policy number and the issue with your claim we will investigate.
Unfortunately, from this post there just isn’t enough information to get in touch with you.
Hope to hear from you.
Alison
I have not claimed with travel insurance direct but have taken their insurance for 2 trips. They were the cheapest I found after I used a coupon. Good limits on computer gear.
I have not been happy at all.
You have to pay upfront while getting care at the hospital and when a very expensive camera was lost which cost around $800 all I received was $250 and the camera was under 12 months old. When questioning a representative they said I should look at the fine print and they can make their own assessment on what should be paid.
I would strongly suggest you look at other insurance for travel as friends have had much better service from other companies.
I always buy with this company as it is unwritten by a insurance comapny i have heard of, and it is excellent value. On one of my many trips overseas I had a claim for almost $400 on a small damage repair on a motorhome in New Zealand. and I had no problems it went straight through. I would recommend this insurance company as it is affordable to the young and i purchase it for my uni student daughter all the time when she travels, shop around and you will see this is good value.