Medibank travel insurance review

Medibank has been helping Australians at home for almost 50 years. With their travel insurance policies, they can also help you when you’re away, with unlimited overseas medical expenses, and free cruise and kids cover.

You don’t want to have to ring your insurer to adjust your policy every time your travel plans change. Visiting the south of France and decide on a last-minute Mediterranean cruise? All of Medibank’s international policies have cruise cover. Decide a rental car would be quicker than the train? All international and domestic policies (except the medical-only policy) include it.

With 24/7 emergency assistance and unlimited medical cover on all overseas policies, Medibank travel insurance can help you cover all your bases. This review will discuss the range of cover options offered and the different benefits available.

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Compare policies on offer from Medibank

Brands Product Product Details Apply
Medibank Travel Insurance International Comprehensive

Unlimited overseas medical and hospital expenses

Unlimited cancellation and amendment fee

$5 million personal liability cover

$8,000 cover for lost of luggage and personal effects

Get quoteMore info
Medibank Travel Insurance International Annual Multi-Trip

Unlimited overseas medical and hospital expenses

Unlimited cancellation and amendment fee

$5 million personal liability cover

$8,000 cover for lost of luggage and personal effects

Get quoteMore info
Medibank Travel Insurance International Medical Only

Unlimited overseas medical and hospital expenses

Unlimited cover for additional expenses

$5 million personal liability cover

Get quoteMore info
Medibank Travel Insurance Domestic

Unlimited cancellation and amendment fee

$5 million personal liability cover

$10,000 cover for accidental death

$10,000 cover for additional expenses

Get quoteMore info
Medibank Travel Insurance Domestic Annual Multi-Trip

Unlimited cancellation and amendment fee

$5 million personal liability cover

$10,000 cover for additional expenses

$10,000 cover for accidental death

Get quoteMore info

Do I get a discount if I'm a Medibank member?

While there's nothing quite like a free lunch, finding a discount is up there. If you're already a Medibank member (e.g. if you already have health insurance through them), you're entitled to 15% off your Medibank Travel Insurance policy.

Want to find out more about discounted travel insurance?


Why take out cover with Medibank Travel Insurance?

Over 3 million Australians have their health covered by Medibank. There’s no telling when sickness and injury will strike, and having a healthcare company at the other end of the line can bring a bit of comfort should you find yourself in hospital overseas. Medibank provides a 24-hour emergency assistance line staffed by medical and logistical experts based in Australia and around the world, ready to help whenever bad luck strikes. What’s more, any children under the age of 21 who aren’t working full time and are travelling with you are also covered at no additional charge.

What policies can I choose from?

  • Domestic travel insurance. Keeping within Australian borders? Domestic travel is what you’re seeking, covering cancellations, travel amendments and delays, as well as additional protection for damage to or theft of any rental car.
  • International medical insurance. For the budget-minded traveller, international medical insurance covers you for all the bumps, bruises and medical run-ins you might have on your adventure.
  • International comprehensive insurance. You pack everything but your worries with international comprehensive insurance, covering everything from medical and dental emergencies to inclusions for cancellations and personal items like phones, cameras and laptops.
  • Multi-trip travel insurance. Is one trip not enough? If you find yourself on the move multiple times over the year, multi-trip travel insurance is the perfect option. Available for both domestic and international comprehensive cover, multi-trip covers any journey up to the duration you choose made in a twelve-month period.

Learn more about each of these policies:

International Comprehensive Plan

What does Medibank International Comprehensive Travel Insurance provide me with? If you choose to take out the International 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

International Medical Only Plan

I don't need all the bells and whistles, what is the most basic option? The International 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 International 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

Annual Multi-trip Plan

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.

Domestic Plan

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

  • 24 hour emergency worldwide assistance
  • Additional expenses
  • Luggage and personal effects
  • 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

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.

Cancellation

Does Medibank Travel Insurance cover cancellation?

  • If you choose either the International Comprehensive or Domestic 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 International Comprehensive or Domestic Medibank Travel Insurance policy has you covered.
  • If you cannot rearrange your travel plans, your Medibank International Comprehensive or Domestic 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 International 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.

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 motorcyles?

  • Motorcycle/moped riding. Travel by motorcycle or 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.

How do policies compare side by side?

Domestic cover International medicalInternational comprehensive cover
Overseas medical and hospital expenses
  • No
  • Yes
  • Yes
Additional expenses
  • Yes
  • Yes
  • Yes
Cancellations and amendments
  • Yes
  • No
  • Yes
Luggage and personal effects
  • Yes
  • No
  • Yes
Rental car insurance excess
  • Yes
  • No
  • Yes
Travel delay expenses
  • Yes
  • No
  • Yes
Hospital cash allowance
  • No
  • No
  • Yes
Loss of income
  • Yes
  • No
  • Yes
Permanent disability
  • Yes
  • No
  • Yes
Accidental death
  • Yes
  • No
  • Yes
Personal liability
  • Yes
  • Yes
  • Yes

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

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
  • Bell’s Palsy
  • Bunions
  • Gout
  • Hiatus Hernia
  • Hip Replacement
  • Knee
  • Replacement
  • Shoulder
  • Replacement
  • Hip Resurfacing
  • Carpal Tunnel Syndrome
  • Cataracts
  • Coeliac Disease
  • Congenital No additional criteria. 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

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.

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

I still have some questions


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

For claims and 24-hour emergency assistance in Australia, call 1300 362 544. If you are overseas, call:

  • New Zealand: 1300 362 544
  • United Kingdom: 0800 096 8821
  • United States: 1 855 802 3392
  • Canada: 1 855 802 3392
  • All other countries: +61 (2) 8907 5672

You can also go online to https://www.medibank.com.au/travel if you wish to make a claim or discuss policy options with a representative.

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!

      Cheers,
      Joshua

  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,
      Richard

  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,
      Richard

  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,
      Richard

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