Travel Insurance Direct (TID) Reviews

Customer ratings for this product 2.5 from 5 ratings

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 Lloyds 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

TID Travel Insurance website Medical Cover
 Unlimited Medical Travel Insurance Unlimited
Luggage Cover
 Luggage Insurance $12000
Laptops, Mobile Phones, iPod, Camera
 Item limits $4,000 for laptop, notebook, handheld computer, camera or video camera. $700 max for each other items.
Sports and Activities Cover
 Sports and Activities cover Good Range, includes some Snow and Ski cover
Cancellation Cover
 Cancellation Limit Unlimited
Excess
 Travel Insurance Excess $100

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

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

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
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6 Comments

  1. We paid over $800 for our policy and made 3 claims for lost items, flight cancellation and theft. They rejected all 3 claims. My advice is to read the small print. They make it sound like you’re covered, you pay a lot and when it comes to claiming they are very quick to reject claim. Very unhappy customer.

    Rating: 1

  2. 22.6.2016

    Just last week I traveled to Thailand with my daughter and two grand daughters. One of my granddaughters got very ill with a stomach bug. Whilst sitting at Phuket Airport (leaving to go home) we decided to ring Travel Insurance Direct to see what would be needed if she was not able to travel any further. We tried every number that was on there web page a number of times, even the emergency number. Not one of the calls was answered. The number would ring once and then end the call. we then tried the on-line chat only to be told “this is not available”. I have on my phone all the calls that were unsuccessful to this company. There were of no help at all.

    Rating: 0.5

  4. 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.

    Rating: 4

  5. 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.

    Rating: 2

  6. 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.

    Rating: 4

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