| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Cover chosen |
| Luggage and Personal Effects | $10,000 |
| Maximum Age Limit | No age limit (120 on quote engine) |
| Luggage and Personal Effects | Included (limits vary — check the PDS) |
Defence Health offers some cover for expenses related to COVID-19, but it's not the strongest in the market. Here's what you can expect:
There are some scenarios that are not covered by Defence Health including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.
Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.
Defence Health offers four insurance policies to travellers: Domestic, Essentials, Comprehensive and Multi-Trip.
Comprehensive
Essentials
Domestic
Multi-Trip
Non-Medical
The insurer of this product is Allianz Australia Insurance Limited. It also offers a flexible excess on international plans, with the full terms set out in the Product Disclosure Statement (PDS).
These are some of the main insured events that Defence Health will cover. These benefits apply across all international policies.
Defence Health also offers four add-ons that provide cover for a wider range of risks.
Unfortunately, travel insurance doesn't cover everything. Generally, Defence Health will not pay your claim if it relates to:
Make sure you review the Defence Health PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
You can make a claim online via the Defence Health claims portal. You should have your policy number, personal details and travel itinerary ready, as well as any relevant receipts, medical records, and police reports.
You can also call the Defence Health claims team on 1800 622 499 (Weekdays 8:30am-6pm AEST).
Defence Health offers a broad range of options to customise your policy, including Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover. You can also increase item limits and adjust your excess.
However, if you want comprehensive cover for risks related to COVID-19, you might want to look elsewhere as Defence Health offers limited protection.
In most cases, you, your travelling companion, a relative or business partner would need to be diagnosed with COVID-19 to make a claim.
If you're still not sure about Defence Health, you can compare other travel insurance companies here.
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I insured once before with Defence…Insurance and fortunately did not need to make any claims. I am about to travel with my adult daughter on an Intrepid trip to Turkey. My extended family member was in the defence forces. (He is a nephew of my husband.) Am I still able to use Defence..Insurance for my daughter and myself even though the family link is somewhat distant?
Hi Helen,
Thank you for your question. You have contacted finder.com.au, a comparison and information service and not Defence Health Travel Insurance.
Generally, extended families are eligible for Defence Health Travel Insurance. You will need to check with Defence Health Travel Insurance about the area in which you plans on traveling as some places in Turkey are designated as do not travel and reconsider your need to travel
Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
All the best,
Zubair
Have a house in New Zealand and often stay for extended periods.Am I still covered by defence health for illness or hospitalisation.
Hi Pinnow,
Thanks for getting in touch.
While Australia has a reciprocal health agreement with New Zealand, meaning you have access to some parts of their public healthcare system, your health insurance doesn’t cover you for medical expenses incurred overseas.
If you’re looking for added protection, you may wish to consider taking out travel insurance.
All the best,
Richard