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Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Medibank travel insurance is not currently available via finder. You can visit their website at www.medibank.com.au for more information or compare alternative options available below.
Compare your travel insurance quotes
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance. International travel insurance is limited and sometimes unavailable at this point.
Medibank travel insurance review of policy benefits
Domestic cover
International medical
International comprehensive cover
Annual multi trip
Overseas medical and hospital expenses
No
Unlimited
Unlimited
Unlimited
Additional expenses
$10,000
Unlimited
Unlimited
Unlimited
Cancellations and amendments
Unlimited
No
Unlimited
Unlimited
Luggage and personal effects
$8,000
No
$8,000
$8,000
Rental car insurance excess
$3,000
No
$4,000
$4,000
Travel delay expenses
$2,000
No
$2,000
$2,000
Hospital cash allowance
No
No
$5,000
$5,000
Loss of income
$2,000
No
$10,000
$10,000
Permanent disability
$10,000
No
$25,000
$25,000
Accidental death
$10,000
No
$25,000
$25,000
Personal liability
$5,000,000
$5,000,000
$5,000,000
$5,000,000
Table updated June 2020
Medical Expenses
You're covered for unlimited medical and hospital expenses during a trip overseas with 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.
Cancellation
Unlimited cancellation, amendment fees and additional costs. If you need to cancel, or rearrange your travel plans before leaving for the trip, you can get cover with the International Comprehensive or Domestic Medibank Travel Insurance policy.
Cover if you can't rearrange your travel plans. Both Medibank International Comprehensive and Domestic Travel Insurance can help you recover the non-refundable portion of the costs. This can include your travel agent's commission.
Frequent flier miles. If you paid for your trip using frequent flier miles, Medibank Travel Insurance will reimburse the lost miles.
Additional Expenses
Accomodation, travel and ambulance expenses. You can get cover for these if you become sick while you're overseas.
Emergency cover. 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 home to Australia.
Funeral cover. If you die overseas, you can get cover for the funeral, cremation and return of your remains to your home in Australia.
Personal Belongings
Baggage and personal belongings cover. You can get cover if personal items are lost, stolen and damaged items while travelling. You can also get cover for camera and video equipment though remember to check limits. This is also the case for multiple and single items.
Policies available from Medibank
Summary of Medibank's International Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Unlimited
Luggage and Personal Effects
$8,000
Maximum Age Limit
84
Table updated June 2020
Finder's favourite features about Medibank travel insurance
1. Reduce your out-of-pocket expenses with your choice of $0, $100 or $250 excess 2. Free cover for dependent kids under 21 3. Medibank or ahm health fund members get a discounted rate
Here's a snapshot of your travel insurance options from Medibank.
International Comprehensive
Highest level of cover offered by Medibank. Get cover for unlimited medical down to theft of cash.
International Medical Only
The pocket friendly option, covers the essentials like medical, additional expenses and personal liability.
Domestic
Cover for your backyard adventures with unlimited cancellations and rental car excess included.
Annual Multi-trip
Designed for those frequent travellers. If you know you'll be on the move for the next 12 months, this could save money and time.
Additional cover options available
For more flexibility, Medibank offers extra cover for your specific needs. You can add these options right after you select your policy type.
Add Winter sports cover. 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.
Add motorcycle/moped riding. Cover if 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 it may not cover the damage of someone else's property.
Increase rental car insurance excess. Rental car excess is already included with the international comprehensive and domestic policies, however, if the excess charged by the car hire company exceeds your allowance, you may want to increase your limit.
Increase luggage cover. If you are 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.
Am I covered for cruising?
Cruise travel insurance is available and included for free with an international comprehensive plan, domestic plan and annual multi-trip. While it is automatically included, just be mindful that it covers medical expenses and air ambulance evacuation from the ship only.
If you need more specific cover for things such as formal attire delay and missed shore excursions, check out our other partners that offer cruise travel insurance.
Medibank classifies pre-existing conditions under three categories. It's recommended that you declare all pre-existing conditions
Here's a list of pre-existing conditions that are automatically included with Medibank travel insurance.
Acne
Allergies
Asthma
Bell's Palsy
Bunions
Gout
Hiatus Hernia
Hip Replacement
Knee Replacement
Shoulder Replacement
Hip Resurfacing
Carpal Tunnel Syndrome
Cataracts
Coeliac Disease
Congenital Blindness
Congenital Deafness
Hypercholesterolaemia
Hypertension
Menopause
Migraine
Peptic Ulcer
Gastric Ulcer
Plantar Fasciitis
Ear Grommets
Epilepsy
Gastric Reflux
Goitre
Graves' Disease
Raynaud's Disease
Skin Cancer
Stenosing
Urinary Incontinence
Underactive Thyroid
Overactive Thyroid
How much out-of-pocket excess do I need to pay?
There are many factors that will determine the excess you will be charged, including your premiums and the circumstances of the claim. Other factors include:
If you are travelling to high-risk areas
Departure date and trip duration
Your age
The policy you select and any extras (international is more expensive than domestic)
Your level of premium
Pre-existing conditions
These conditions are only automatically included if you don't already have an existing condition NOT on this list.
If your condition is not mentioned in the above section, or you have a combination of conditions, you will need to complete an online medical assessment to see if you can get cover. If the additional premium is higher than what you were expecting, you can still opt out. This means that you won't be covered for your condition and it may affect how related claims are assessed.
Medibank travel insurance will not cover any direct or related claims to the following;
A terminal illness
Conditions involving drug or alcohol dependency
If you book or undergo travel against the advice of a doctor
Cosmetic surgery or routine dental treatment
Conditions for which you're traveling to seek advice
To participate in a clinical trial
What's not covered by my policy?
General exclusions include:
Not acting in a responsible way to protect yourself and your property
Travelling when you know you are unfit or against medical advice
Failing to maintain a course of treatment while travelling
Death, illness or injury from an existing condition (unless covered by your policy)
Birth of a child or any pregnancy-related condition
Treatment at a spa, nursing home or any rehabilitation centre unless agreed by Medibank
Excess medical charges
Any consequential loss or loss of enjoyment
A loss caused by or in connection with a criminal or dishonest act
Any loss caused by government intervention or regulation
Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
Operating a rental vehicle in an illegal or dangerous manner
Credit card conversion fees and other bank charges
Medibank travel insurance claim and contact details
Claims and contact details
Emergency Assistance (24/7 help): +61 2 8907 5672
Make a claim online: Start your claim process online at https://www.medibank.com.au/travel-insurance/claim/
Submit claim via post: Download the claims form at; https://travel.medibank.com.au/files/documents/medibank_claimform.pdf Complete and post to: c/o Travel Insurance Partners Claims DeptPO Box 168, North Sydney NSW 2060 Australia
As head of publishing and editorial for Finder in Australia, Zahra Campbell-Avenell leads a team of experts to deliver on Finder's mission to help people make better decisions with their money. She has spent the last 10 years working on words that help mobilise people into action. Zahra has a Bachelor of Arts (Anthropology and English) from Georgetown University in Washington DC.
Medibank does not list heart conditions as part of their insurance coverage. You may want to check 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.
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?
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.
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
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.
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.
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.
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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 their insurance coverage. You may want to check 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
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
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!
Cheers,
Joshua
Hi I was wondering if I would be covered as a volunteer and if I ride a scooter?
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,
Richard
Is one covered if one has had stintz in ones heart 8 years ago
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,
Richard
Hi. Does my Medibank Travel Insurance cover me for my car rental excess?
Hi Debra,
Thanks for your question. Medibank Comprehensive Travel Insurance does cover rental vehicle excess.
I hope this was helpful,
Richard