Medical only travel insurance

Compare medical-only travel insurance

Use the Finder travel insurance engine to compare medical-only travel insurance. Pop in your trip details, click on the basic policies and you'll be able to compare medical-only options.

Who offers medical only travel insurance?

Some medical only policies, are also named "Basic". Different insurers include other benefits or differing amounts which why it pays to compare. Medical cover doesn't always include cover for accidental death or permanent disability.

Updated regularly

Overseas medical expenses	Dental expenses	Luggage and belongings
Insure4less - Medical Only Travel Insurance	true	$500	No	Get quoteView details Compare product selection Compare	loading
ahm International Medical Only Travel Insurance	true	$2,000		Get quoteView details Compare product selection Compare	loading
Southern Cross International Medical Only Travel Insurance Finder Award	true	$2,000	No	Get quoteView details Compare product selection Compare	loading
Medibank International Medical Only Travel Insurance	true	$2,000		Get quoteView details Compare product selection Compare	loading
Zoom - Medical Only Finder Award	true	Yes - up to $2,000	No	Get quoteView details Compare product selection Compare	loading
1Cover - Medical Only	true	$2,000	No	View details Compare product selection Compare	loading
Travel Insurance Saver Medical Only	true	$500		View details Compare product selection Compare	loading

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What is medical travel insurance?

Medical travel insurance is the most basic form of travel insurance you can buy, meaning it's also typically the cheapest. It's designed to come in handy if you get sick or injured while you're overseas. International travel insurance with medical-only cover usually includes:

• 24/7 emergency medical assistance
• GP visits and medication
• Hospital expenses if you need to be admitted for an injury or illness
• Emergency evacuation and repatriation back to Australia due to a medical emergency
• Emergency dental treatment up to a set benefit limit (depending on the policy)
• Funeral costs (if you pass away as a result of your injury or illness)

Many basic travel insurance policies also include personal liability cover. This covers you if you injure another person or damage their belongings.

Medical exclusions you should note

All insurance policies contain exclusions. In the case of medical-only travel insurance, these can include:

Emergency medical assistance

• Any expenses you incur that have not been pre-approved by the Assistance Provider
• Failing to follow the medical advice of the Assistance Provider
• Any medical evacuation or transport of remains from Australia to another country
• Any medical or hospital expenses incurred in Australia.

Overseas medical and hospital expenses:

• Any expenses incurred in Australia
• Any expenses resulting from a pre-existing medical condition that is not covered in your policy
• Failing to notify your insurer or their Assistance Provider of your hospitalisation as soon as possible
• Failing to heed the advice of the insurer or their Assistance Provider
• Any treatment by a chiropractor, physiotherapist or dentist lasting more than two weeks that has not been approved by the insurer or their Assistance Provider
• Any medical care that is covered under a Reciprocal Health Care Agreement (RHCA)
• Any damage to dentures, prostheses, bridges or crowns (if applicable)
• Cosmetic dentistry or treatment involving precious metals (if applicable)

How much does medical-only travel insurance cost?

Medical-only travel insurance generally costs between $2.40 to just over $5 per day, depending on the travel insurer, your age, the destination and a few other factors. For context, we found a basic policy to cost between $35 and $65 for a 2 week trip to Bali. We got these quotes in July 2025.

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Best travel insurance FAQs

• Can I get travel insurance for just medical?

  A handful of travel insurers offer medical-only cover. This is the most basic (and cheapest) type of travel insurance you can get. It's designed to cover medical assistance overseas.

• What is the difference between medical only and comprehensive travel insurance?

  Medical-only travel insurance, as the name implies, only covers overseas medical expenses. Comprehensive travel insurance covers costs associated with cancellations, lost luggage, delayed luggage, COVID-related expenses and more.

• Which travel insurance covers medical evacuation?

  Most medical-only travel insurance policies cover evacuations due to a medical emergency. For example, if you need to be evacuated or repatriated back to Australia to receive adequate medical care.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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