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. Get 15% off your policy if you're a Medibank or ahm health member
Medibank travel insurance review of policy benefits
International comprehensive cover
Annual multi trip
Overseas medical and hospital expenses
Cancellations and amendments
Luggage and personal effects
Rental car insurance excess
Travel delay expenses
Hospital cash allowance
Loss of income
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:
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.
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.
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.
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
Here's a snapshot of your travel insurance options from Medibank.
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.
Cover for your backyard adventures with unlimited cancellations and rental car excess included.
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.
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.
Carpal Tunnel Syndrome
Congenital No additional criteria. Blindness
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
The policy you select and any extras (international is more expensive than domestic)
Your level of premium
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 Finder's Group Publisher for Insurance, Zahra Campbell-Avenell leads a team of over 10 insurance experts to deliver on Finder’s mission to help Australians make better decisions. Zahra has a Bachelor’s degree from Georgetown University in Washington DC, with a double major in Anthropology and English. She has worked for companies such as Booking.com and Bank of America, as well as a number of non-profit organisations.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.