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Medibank Travel Insurance

Our verdict: Unlimited trip cancellation and overseas medical expenses, generous policy limits and a discount for private health members make Medibank Travel Insurance a solid option for travellers.

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  • Medibank travel insurance offers a strong rate of up to $5,000,000 for personal liability cover.
  • This insurer is one of just a few brands offering cover for the pandemic. This includes trip cancellation due to a COVID-19 diagnosis and overseas medical costs.


  • There is limited cover for pregnancy. You are only covered for serious complications up to your 26th week, and you'll have to complete a health assessment to ensure you're fully covered.

Compare travel insurance policies from Medibank

Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
Medibank International Comprehensive Travel Insurance
  • Unlimited
  • Unlimited
  • $15,000
Some cover
Get 15% off travel insurance for Medibank Private members.
Medibank International Medical Only Travel Insurance
  • Unlimited
  • No
  • $0
Some cover
Medibank Annual Multi-trip Travel Insurance
  • Unlimited
  • Unlimited
  • $15,000
Some cover
Medibank Domestic Travel Insurance
  • No
  • Unlimited
  • $8,000
Some cover

Get your Medibank travel insurance discount


15% off travel insurance for Medibank Private members

Summary of Medibank's International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit99

Table updated March 2024

Congratulations, Medibank!

Medibank received the highly commended award for 'Travel Insurance - Value' in the 2023 Product Awards.

Full list of 2023 winners

How does Medibank Travel Insurance cover COVID-19?

Medibank joins the ranks of a growing list of insurers that offer some cover for COVID-19. The key benefits covered are:

  • Overseas medical costs if you are diagnosed while on your trip
  • Pre-trip and on-trip cancellation costs if you or your travelling companion are diagnosed
  • Cover for additional expenses incurred, including quarantine and isolation costs

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.

What policies does Medibank offer?

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:

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International Medical Only

Travel plane luggage passport

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.

Here's a breakdown of Medibank Travel Insurance features

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Standard features

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).

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Optional add-ons

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.

  • Cruise cover. If you've got a multi-night cruise planned, you'll be covered for a variety of additional costs such as cancellations, on-board medical expenses and missed shore excursions.
  • Extra luggage limits. If you're travelling with expensive things such as a camera, laptop or jewellery, make sure that the included value is enough by checking the Product Disclosure Statement (PDS). If not, you can always add more.
  • Winter sports. This cover is for those who are skiing, snowboarding or snowmobiling on their trip. Protect yourself, so the expenses don't snowball if you get into an accident.
  • Motorcycle/moped riding. This cover is for when you're a rider or plan to be a pillion passenger on a motorcycle/moped while you're travelling. This will cover your medical expenses if you get into an accident, but only if you or the driver hold a valid licence, you're wearing a helmet and the engine capacity is 250cc or less.

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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.

How to make a Medibank Travel Insurance claim

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:

  1. Head to
  2. Enter your full name and policy number to log in
  3. Complete your claim details by answering all sections
  4. Upload any documents to support your claim
  5. Submit, and you should hear back within 10 business days

Here's the bottom line about Medibank Travel Insurance

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.

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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20 Responses

    Default Gravatar
    JameyFebruary 4, 2024

    We have paid $4,000 deposit towards a tour in northern Australia in the middle of the year, and in a couple of months will have to pay the remainder of the tour costs, amounting to nearly $15,000.
    Will this be covered by Medibank Travel Insurance domestic cancellation clause if something unexpected prevents us travelling?

      SarahMarch 25, 2024Finder

      Hi Jamey,

      It depends on what the “unexpected” event is. It might be worth contacting the insurance underwriter, Zurich Australian Insurance Limited, to discuss your specific concerns to check if you are insured in these situations.

    Default Gravatar
    sandraMarch 21, 2023

    Does anyone provide cruise insurance for people over 80 who are well and fit.

    Default Gravatar
    AngelaMay 14, 2022

    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.

      JamesJune 16, 2022Finder

      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.


    Default Gravatar
    helenSeptember 13, 2021

    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!

      JamesSeptember 15, 2021Finder

      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.


    Default Gravatar
    paulApril 20, 2019

    I had a stent put in the heart. Am I eligible for travel insurance?

      MaiApril 21, 2019Finder

      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,

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