Guide to Medibank Travel Insurance | April 2021

Medibank travel insurance

Pay for the benefits most important to you. Medibank travel insurance offers flexibility with 4 different policies.

Medibank Travel Insurance

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


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 border closures
    • 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 for more information or compare alternative options available below.

    Compare your travel insurance quotes

    warning 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.

    Made a search before? Retrieve your search results

    At least one destination is required
    Both dates are required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    At least one destination is required
    Starting date is required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    Type or Select your destination(s)

    Popular Destinations

    Can't find your destination? Just type it in the box above.

    We compare products from

    By submitting this form, you agree to the Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

    Medibank travel insurance review of policy benefits

    Domestic cover International medicalInternational comprehensive cover Annual multi trip
    Overseas medical and hospital expenses


    Additional expenses




    Cancellations and amendments




    Luggage and personal effects




    Rental car insurance excess




    Travel delay expenses




    Hospital cash allowance


    Loss of income




    Permanent disability




    Accidental death




    Personal liability




    Table updated June 2020

    Summary of Medibank's International Comprehensive policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment FeesUnlimited
    Luggage and Personal Effects$8,000
    Maximum Age Limit84

    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.

    location pin


    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.

    Compare Cruise Travel Insurance

    What if I have a pre-existing condition?

    Medibank classifies pre-existing conditions under three categories. It's recommended that you declare all pre-existing conditions

    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

    Submit claim via post: Download the claims form at;
    Complete and post to: c/o Travel Insurance Partners Claims DeptPO Box 168, North Sydney NSW 2060 Australia

    General phone enquiries: 1300 362 544

    Icons made by Good Ware from is licensed by CC 3.0 BY
    Picture: GettyImages

    More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    12 Responses

      Default Gravatar
      paulApril 20, 2019

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

        Avatarfinder Customer Care
        MaiApril 21, 2019Staff

        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,

      Default Gravatar
      suanFebruary 14, 2019

      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?

        Avatarfinder Customer Care
        ValFebruary 19, 2019Staff

        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


      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

        Avatarfinder Customer Care
        JoshuaApril 19, 2018Staff

        Hi Pam,

        Thanks for getting in touch with Finder.

        We have a page that helps you find other travel insurers that may give you the necessary cover. Our guide will provide information and other important details about domestic travel insurance. You can use our 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 out again.

        Have a wonderful day!


      Default Gravatar
      BreannaJanuary 9, 2017

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

        Avatarfinder 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,

      Default Gravatar
      RobynMay 20, 2016

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

        Avatarfinder 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,

      Default Gravatar
      DebraJanuary 9, 2016

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

        Avatarfinder 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,

    Go to site