15% off travel insurance for Medibank Private members
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 99 |
Table updated October 2023
Medibank Travel Insurance ranked in third place for Value out of the 28 international policies we analysed. It scored highly because it was the second-cheapest policy on average and covers most of the benefits people look for in a policy, such as COVID cover and luggage delay.
Full list of 2023 winnersMedibank joins the ranks of a growing list of insurers that offer some cover for COVID-19. The key benefits covered are:
Some exclusions do apply, however, including costs related to a government-directed border closure or travelling to a destination subject to a "Do not travel" warning.
If you're at all worried about unexpected pandemic expenses, we've compared all the providers that offer cover for COVID-19.
Medibank has 3 different plans available: Domestic, International Medical Only and International Comprehensive. If you're planning more than 1 trip for the year, a Medibank Annual Multi-Trip policy is also an option. Here are some of the main insured events a policy can cover you for:
Domestic
International Medical Only
International Comprehensive
Annual Multi-Trip
The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 21 days which means you can change your policy or cancel within this period and Medibank will refund your premium in full. The excess is the amount you need to pay when you make a claim, and you can lower the cost of your policy by selecting a higher excess.
These are some of the features that Medibank will cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive policy versus medical-only).
For more flexibility, Medibank offers extra cover for your specific needs. You can add these options when you're applying based on what you have planned for your trip.
Like any insurer, there are a few events that aren't covered under a travel insurance policy. With Medibank, some of these include:
Make sure you review Medibank's PDS for a detailed breakdown of what is and isn't covered, found under its list of general exclusions.
You can submit your claim by downloading a claim form online and posting it to the Medibank Travel Insurance Team at c/o Travel Insurance Partners Claims Dept, PO Box 168, North Sydney NSW 2060 Australia.
Alternatively, you can submit a claim online by following these steps:
Medibank has an easy-to-understand policy offering that makes it clear what you are and are not covered for. Its inclusions are generous and include some hard-to-find extras like COVID cover while cruising, many pre-existing conditions and a stack of standard adventure activities. Add on a 15% discount for private health members and you have a very competitive option.
Where Medibank falls short is with the limited cover for pregnant travellers and those with certain pre-existing conditions. If you suffer from cardiovascular disease, chronic lung conditions or reduced immunity, for example, you'll need to complete an online health assessment to determine if any special conditions, limits or excesses apply to your cover.
If you're still not sure about Medibank, you can compare other travel insurance companies here.
Access Medibank Private travel insurance discount codes and promotions.
Does anyone provide cruise insurance for people over 80 who are well and fit.
Hi Sandra,
Thanks for getting in touch. There are a few providers that may cover you. Head to this page to find them https://www.finder.com.au/travel-insurance-for-over-80
Hope that helps.
Thanks,
Gary
I am 80 years old. I am seeking travel insurance to travel to France for 41 days, commencing August 7th. I only require medical cover.
Hi Angela,
You may want to check our travel insurance guide for people who are 80 years old and above. You’ll find a list of insurers who can provide the medical cover you’re seeking.
I hope this helps.
Regards,
James
I’m looking for a 6-week one trip only in 2022 to the UK. I am 82 years old. Please advise on cost or for the whole year and for some domestic travel. Thank you!
Hi Helen,
Thanks for reaching out. I believe you’re trying to get a quote with Medibank Travel Insurance, is that correct?
If so, you can source quotes on your insurance policy by getting in touch with Medibank directly. You can visit their website for more details.
If you’d like to explore other options, please feel free to fill out the quote form found on top of this page.
If cost is an important factor to you, you could take a look at some deals available on Finder on our page about Medibank travel insurance promo codes. Some of these may include cover for international trips.
Prior to choosing your cover, be sure to read each policy’s Product Disclosure Statement (PDS) with care so that you’re fully aware of your policy details, including any restrictions and exclusions.
You can also read our domestic travel cover guide to learn more.
Regards,
James
I had a stent put in the heart. Am I eligible for travel insurance?
Hi Paul,
Thank you for reaching out to Finder.
Medibank does not list heart conditions as part of its insurance coverage. You may want to check our list of travel insurance for heart conditions to compare insurers who have coverage on heart conditions, including those who have stents.
Please make sure to read through the insurance policies prior to application to guarantee that your condition is covered.
Hope this helps! 😊
Kind Regards,
Mai
We are travelling to Hawaii next March. We are there for 4 weeks, in the middle of that we are on a cruise. Can we get one cover to cover land and cruise?
Hi Susan,
Thank you for leaving a question. All of Medibank’s international policies have cruise cover. Products may vary depend on product details stated on site.
Medibank Travel Insurance covers four regions:
Worldwide (USA, Canada, Hawaii, South America, Africa & others)
Europe, Asia, Middle East (Europe, Ireland, Asia, Middle East)
UK and South East Asia
Indonesia, New Zealand, South West Pacific and domestic cruises
You may want to click on Get Quote or more info for the detailed coverage of the plan.
Hope this helps
Cheers,
Val