Medibank travel insurance review

Compare Medibank travel insurance policies and learn about what's covered.

Medibank is one of the leading travel insurance brands in Australia. It has saved Australians thousands of dollars in medical bills during their travels. Its 3.8 million strong member base has received seamless health support 24/7 and individual support when in a medical facility.

In addition to these losses, Medibank Travel Insurance provides cover for a range of different losses to ensure that you will endure financial hardship. This review will discuss the range of cover options offered and the different the benefits available.

Medibank travel insurance is not currently available via finder. You can visit their website for more information or compare alternative options available below.

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Let's start with the good stuff ... Medibank special offers

Medibank travel insurance policyholders also get to take advantage of a range of special offers.

Already a member? Get 10% off your cover!

While there's nothing quite like a free lunch, finding a discount is up there. If you're already a Medibank member, you're entitled to 10% off your Medibank Travel Insurance.

10% off The Travel Doctor-TMVC Capital City Clinics

If you need to get your vaccinations up to date before you head off overseas, head into any participating The Travel Doctor-TMVC Capital City Clinics and get 10% off.

Bonus Global Sim Card

Medibank travel insurance members can also access a free global SIM card to save money on international calls, messages and global roaming charges.

Want to find out more about discounted travel insurance?

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Why Take Out Cover with Medibank Travel Insurance Australia?

Medibank Travel Insurance provides cover for events such as stolen or lost luggage, medical and hospital emergencies and flight and accommodation cancellations.

Medibank Travel Insurance offer a range of policies including:

Comprehensive cover

What does Medibank Comprehensive Travel Insurance provide me with? If you choose to take out the Comprehensive Travel Insurance from Medibank, you'll be eligible for the following benefits:

  • 24/7 worldwide emergency assistance
  • cover for baggage, credit cards, personal items, theft of cash, travel documents
  • rental vehicle excess
  • unlimited additional expenses for family or travel companion who assists in the event of an emergency
  • unlimited* cancellation cover for accommodation, flights and pre-paid travel arrangements
  • unlimited* overseas medical for accident, evacuation and hospital
  • variable excess levels.

Medical only

I don't need all the bells and whistles, what is the most basic option? The Medical Only option from Medibank Travel Insurance provides a basic level of cover for those heading overseas. This policy doesn't have all the bells and whistles of the comprehensive policy, it does provide unlimited cover for your most important asset – you health. This policy provides cover for:

  • 24/7 worldwide emergency assistance
  • emergency dental expenses
  • personal liability
  • unlimited additional expenses for family or travel companion who assists in the event of an emergency
  • unlimited overseas medical and repatriation
  • variable excess levels.


I am constantly on the move, what policy should I get? If you travel regularly every year, then you may want to consider an annual travel insurance policy. The benefit of an annual policy is that you have one policy for one year. This can be especially useful for people who have top travel on short notice ... it's just one less thing you need to worry about organising. Set and forget. This policy covers:

  • 12 months of cover for domestic and international travel
  • 24/7 worldwide emergency assistance
  • luggage, personal items, travel documents, credit cards & theft of cash
  • rental vehicle excess
  • unlimited additional expenses for family or travel companion who assists in the event of an emergency
  • unlimited cancellation and amendment fees cover
  • unlimited overseas medical and repatriation
  • variable excess levels.

You can choose cover for international trop with a maximum of 30, 45 or 60 days or 15 or 30 days for domestic travel.

Australia Only

I don't really go over overseas, is there an option for domestic travel? Yes. If you need cover for Australia, Medibank offer its Australia Only policy, which covers:

  • 24 hour emergency worldwide assistance
  • additional expenses
  • luggage and personal items
  • rental vehicle excess
  • travel delay expenses
  • unlimited cancellation and amendment.

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

*Conditions apply, please refer to the PDS

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Who can benefit from Medibank cover?

Young people

  • Designed to be affordable for students and backpackers, Medibank travel insurance includes cover for recreational activities like surfing and bungee jumping. Emergency medical assistance, unlimited overseas medical costs and unlimited cancellation cover are also included.


  • Families can enjoy peace of mind when they travel with Medibank travel insurance, as a family policy includes cover for children under 21 years of age. Unlimited overseas medical cover and unlimited cancellation cover provide extra security.


  • The older generations can benefit from the fact that Medibank Travel Insurance provides cover for many pre-existing medical conditions. This complements the many other attractive features of a Medibank travel policy.
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Medibank Travel Insurance Policy Benefits

Medical Expenses

Am I covered for medical expenses?

If you incur medical and hospital expenses during a trip overseas, you will get unlimited cover under the International Comprehensive Plan and the International Medical Only Plan. For the Domestic Plan, no compensation is provided. These expenses include:

  • disease
  • disabling injury
  • sickness
  • dental treatment
  • ambulance transportation charges that is provided outside Australia under the advice of a qualified medical practitioner

Any medical or dental treatment provided in Australia is not covered and neither is treatment of dental issues due to use of precious metals.


Does Medibank Travel Insurance cover cancellation?

  • If you choose either the international Comprehensive or Australia Only Medibank Travel Insurance policy, you can benefit from unlimited cancellation and amendment fees.
  • If you have to rearrange your travel plans before leaving for the trip, you can relax safe in the knowledge that your Comprehensive or Australia Only Medibank Travel Insurance policy has you covered.
  • If you cannot rearrange your travel plans, your Medibank Comprehensive or Australia Only Travel Insurance can help you recover the non-refundable portion of the costs. This includes travel agent’s commission if it is part of the prepaid amount or less than $1,500.
  • If you paid for your trip using frequent flier miles, Medibank Travel Insurance will reimburse the lost miles.

Additional Expenses

What kind additional expenses am I covered for?

  • If you become sick while you're overseas you'll be covered for additional cost incurred including hotel charges, travel or ambulance expenses.
  • If a family member becomes sick or your home is damaged by fire, flood or earthquake, Medibank Travel Insurance will cover the reasonable additional expenses to help you return to Australia.
  • If you die overseas, Medibank Travel Insurance pays a reasonable amount for funeral, cremation and return of your remains to your home in Australia (but the maximum amount paid in such case is $20,000).
  • Unlimited cover is provided under the International Comprehensive Plan and the International Medical Only Plan, but for the Domestic Plan, the upper limit of additional expenses compensation is $10,000.

Personal Belongings

Are my personal items covered?

  • Cover for loss, damage or theft of personal belongings is provided under the most plans.
  • The maximum payment on loss of an item paid under the International Comprehensive Plan is $500
  • The maximum payment under the Domestic Plan is $300.
  • For camera and video equipment, $3,500 is paid under the comprehensive plan and $3,000 is paid for laptop and tablet computers under the domestic plan.
  • For multiple items, the amount cannot exceed $8,000 or above $4,500 for single items.
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Are there any optional cover types I should know about?

If you're the kind of person that is not content with just kicking back and relaxing, you may be able to benefit from these additional cover options.

Can I get cover for two-wheeled travel?

  • Motorcycle/moped riding. Travel by motorcycle by moped is an increasingly popular option in many countries, particularly in south-east Asia, so this extra benefit can provide a higher level of cover for travellers who wish to be a driver or pillion passenger of one of these vehicles during their journey. However, the engine capacity must be less than 200cc, you must wear a helmet and you must hold a licence that is valid in the relevant country. You must also not be racing nor participating in any professional capacity.

Am I covered for winter sports?

  • Snow Skiing, Snowboarding and Snowmobiling. For an extra premium, your Medibank travel insurance policy can also cover you for on-piste skiing and snowboarding, so long as you are not racing. You also must not be participating in any professional capacity.
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I have a pre-existing condition ... does that matter?

Before you apply for cover it’s important to understand how Medibank treats pre-existing conditions. Conditions that are covered include:

  • acne
  • allergies
  • asthma
  • breast/prostate/kidney/bowel/colon cancer
  • cataracts
  • diabetes
  • epilepsy
  • gastric reflux
  • gout
  • hiatus hernia
  • high cholesterol
  • high blood pressure
  • menopause
  • peptic/gastric ulcer
  • skin cancer.

Conditions that cannot be covered by your policy include:

  • conditions involving the back or neck
  • drug or alcohol dependency
  • conditions for which you are travelling to seek treatment or review
  • trips which are booked against the advice of your medical practitioner.

Finally, there are certain conditions which Medibank will need to assess before deciding whether or not to offer cover. An assessment will need to be conducted by phone, online or by visiting your nearest Medibank store.

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I still have some questions

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I need to make a claim, what do I do?

When you wish to make a claim you can do so in one of the following ways:

  • Submit your claim. It’s quick and easy to submit a travel insurance claim online at This guarantees a fast response and allows you to upload any supporting documentation.
  • Complete and mail a claim form. Download a claim form from, fill it out and post it back to Medibank. You’ll need to include any relevant receipts and other supporting documentation when you post your form.
  • If your luggage, personal effects, travel documents or money are lost or stolen on your journey, remember to report the incident to the police or relevant authority within 24 hours and obtain a written copy of the report.
  • If you are admitted to hospital or if you expect your medical expenses to exceed $2,000, contact Medibanks emergency assistance team as soon as possible.
  • After you make a claim, Medibank will be in touch within 10 working days.

If you’re planning a holiday overseas, consider the many benefits offered by Medibank travel insurance. However, remember to compare Medibank’s cover with the protection provided by other insurers before deciding which policy best meets your needs.

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8 Responses

  1. Default Gravatar
    PamApril 19, 2018

    I am trying to get a quote online for domestic travel cover but the system won’t let me enter a return date. Very frustrating. I will have to look at other companies

    • finder Customer Care
      JoshuaApril 19, 2018Staff

      Hi Pam,

      Thanks for getting in touch with finder.

      Please note that we are not affiliated with Medibank or any other companies we feature on our site.

      Thankfully, we have a page that helps you find other travel insurers that may give you the necessary cover. Please go to this page.

      On that page, you will find relevant information and other important details about domestic travel insurance. You can then use our free online form to immediately get a quote from the many insurers we have listed on our page. Once you get a result, you can then use the filters to narrow down your choices. You can then click on the “Go to site” green button to be redirected to your selected insurer’s website.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    BreannaJanuary 9, 2017

    Hi I was wondering if I would be covered as a volunteer and if I ride a scooter?

    • finder Customer Care
      RichardJanuary 10, 2017Staff

      Hi Breanna,

      Thanks for getting in touch. Medibank is not currently part of the panel of insurance brands we compare, so you will need to contact Medibank directly about its cover conditions. You may find our guides to travel insurance for volunteers and motorcycle travel insurance helpful.

      All the best,

  3. Default Gravatar
    RobynMay 20, 2016

    Is one covered if one has had stintz in ones heart 8 years ago

    • finder Customer Care
      RichardMay 20, 2016Staff

      Hi Robyn,

      Thanks for your question. Pre-existing conditions are handled on a case-by-case basis. So, whether or not you’ll have cover will depend on your insurer and the severity of your condition.

      I hope this was helpful,

  4. Default Gravatar
    DebraJanuary 9, 2016

    Hi. Does my Medibank Travel Insurance cover me for my car rental excess?

    • finder Customer Care
      RichardJanuary 11, 2016Staff

      Hi Debra,

      Thanks for your question. Medibank Comprehensive Travel Insurance does cover rental vehicle excess.

      I hope this was helpful,

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