Medibank travel insurance

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

Brands	Product	Product Details	Apply
	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 quote
	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 quote
	International Medical Only	Unlimited overseas medical and hospital expenses Unlimited cover for additional expenses $5 million personal liability cover	Get quote
	Domestic	Unlimited cancellation and amendment fee $5 million personal liability cover $10,000 cover for accidental death $10,000 cover for additional expenses	Get quote
	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 quote

Medibank travel insurance review of policy benefits

• Travel insurance: Medibank benefits explained in detail

  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

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.

Get a quote for Medibank Travel Insurance

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

• Automatically included

  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 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

  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.

• May be covered

  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.

• Cannot be covered

  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:

Medibank travel insurance claim and contact details

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Zahra Campbell-Avenell

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.

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