Our verdict: Unlimited trip cancellation and overseas medical expenses, generous policy limits and a discount for private health members make Medibank Travel Insurance a solid option for travellers.
Medibank has an easy-to-understand policy offering that makes it clear what you are and are not covered for. Its inclusions are generous and include some hard-to-find extras like COVID cover while cruising, many pre-existing conditions and a stack of standard adventure activities. Add on a 15% discount for private health members and you have a very competitive option.
Pros
Medibank travel insurance offers a strong rate of up to $5,000,000 for personal liability cover.
This insurer is one of just a few brands offering cover for the pandemic. This includes trip cancellation due to a COVID-19 diagnosis and overseas medical costs.
Cons
There is limited cover for pregnancy. You are only covered for serious complications up to your 26th week, and you'll have to complete a health assessment to ensure you're fully covered.
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Medibank has 3 different plans available: Domestic, International Medical Only and International Comprehensive. If you're planning more than 1 trip for the year, a Medibank Annual Multi-Trip policy is also an option. The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 21 days which means you can change your policy or cancel within this period and Medibank will refund your premium in full. The excess is the amount you need to pay when you make a claim, and you can lower the cost of your policy by selecting a higher excess.
Here's a breakdown of Medibank Travel Insurance features
These are some of the features that Medibank will cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive policy versus medical-only).
For more flexibility, Medibank offers extra cover for your specific needs. You can add these options when you're applying based on what you have planned for your trip.
Cruise cover. If you've got a multi-night cruise planned, you'll be covered for a variety of additional costs such as cancellations, on-board medical expenses and missed shore excursions.
Extra luggage limits. If you're 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.
Winter sports. This cover is 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.
Motorcycle/moped riding. This cover is for when 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 only if you or the driver hold a valid licence, you're wearing a helmet and the engine capacity is 250cc or less.
Exclusions
Like any insurer, there are a few events that aren't covered under a travel insurance policy. With Medibank, some of these include:
Make sure you review Medibank's PDS for a detailed breakdown of what is and isn't covered, found under its list of general exclusions.
How to make a Medibank Travel Insurance claim
You can submit your claim by downloading a claim form online and posting it to the Medibank Travel Insurance Team at c/o Travel Insurance Partners Claims Dept, PO Box 168, North Sydney NSW 2060 Australia.
Alternatively, you can submit a claim online by following these steps:
Head to https://claims.travelinsurancepartners.com.au/Medibank
Enter your full name and policy number to log in
Complete your claim details by answering all sections
Upload any documents to support your claim
Submit, and you should hear back within 10 business days
Frequently asked questions
Yes, Medibank Travel Insurance is insured by Zurich Australian Insurance Limited, part of the Zurich Insurance Group with insurance products and services in more than 210 countries and territories. It also offers a 21-day cooling-off period if you decide you're not happy with the policy.
Travel to Indonesia comes with its own unique risks and Medibank travel insurance ticks a lot of boxes when it comes to cover. White water rafting, bungee jumping and scuba diving are all covered as standard (provided you meet the minimum requirements), and natural disasters such as volcanic eruptions have been covered in the past.
Medibank Travel Insurance will advise what type of documents you'll need to provide at the time of your claim. Supporting documents can include:
Police reports
Medical reports
Valuations
Original receipts or proof of purchase and ownership
Highly commended for Best Travel Insurance - Value
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
I received a quote for international comprehensive travel insurance this morning as I am trekking Everest base Camp on the dates 27 September – 11 October 2025. Does this policy include helicopter evacuation in the event of an injury or altitude sickness please from the trek?
Finder
AngusJanuary 7, 2025Finder
Hi Sharon, Medibank’s comprehensive policy includes cover for trekking. It would be worth checking specifically directly with Medibank if that includes helicopter evacuation – you can contact Medibank itself on 1300 952 501.
JILLSeptember 12, 2024
I am paying the cost of a school trip to Indonesia for my Grandson. Am I able to obtain insurance for the cost of the trip ($8,000) against cancellation due to illness.
I believe the school has insurance for the trip but not the cost of the trip paid by family.
Finder
AngusSeptember 13, 2024Finder
Hi Jill, Yes, you can take out insurance for the trip to cover cancellation due to illness. Generally you’ll need a comprehensive policy – cheaper basic cover often doesn’t include cancellation cover. If you do end up needing to claim, you’ll also need a doctor’s certificate or other documentation to confirm the illness is serious. Our guide to cancellation cover has more on this topic. Hope this helps!
JILLSeptember 12, 2024
I AM PAYING FOR MY GRANDSON TO GO ON A SCHOOL TRIP TO INDONESIA IN 2025.
CAN I INSURE THE COST OF THE TRIP $8,000,
Finder
SarahSeptember 25, 2024Finder
Hi Jill,
Yes you can arrange a travel insurance policy for him, although it’s a good idea to check with the school – many times for trips like this, the school arranges a group travel insurance policy so that all travellers are covered under the one single policy.
MdJuly 9, 2024
do i get discount for a travel insurance as i have health insurance with Medibank?
Finder
SarahJuly 16, 2024Finder
Hello, Yes, as a Medibank health insurance member, you’re entitled to 15% off Medibank Travel Insurance. You can also enjoy discounts of 10% off Medibank Life Insurance and Income Protection and 10% off Medibank Pet Insurances.
Hope this helps!
JameyFebruary 4, 2024
We have paid $4,000 deposit towards a tour in northern Australia in the middle of the year, and in a couple of months will have to pay the remainder of the tour costs, amounting to nearly $15,000.
Will this be covered by Medibank Travel Insurance domestic cancellation clause if something unexpected prevents us travelling?
Finder
SarahMarch 25, 2024Finder
Hi Jamey,
It depends on what the “unexpected” event is. It might be worth contacting the insurance underwriter, Zurich Australian Insurance Limited, to discuss your specific concerns to check if you are insured in these situations.
A long-term trip to Europe requires a visa and travel insurance of least €30,000 in medical benefits. Protect yourself from common travel concerns by reading Finder's comprehensive guide.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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I received a quote for international comprehensive travel insurance this morning as I am trekking Everest base Camp on the dates 27 September – 11 October 2025. Does this policy include helicopter evacuation in the event of an injury or altitude sickness please from the trek?
Hi Sharon, Medibank’s comprehensive policy includes cover for trekking. It would be worth checking specifically directly with Medibank if that includes helicopter evacuation – you can contact Medibank itself on 1300 952 501.
I am paying the cost of a school trip to Indonesia for my Grandson. Am I able to obtain insurance for the cost of the trip ($8,000) against cancellation due to illness.
I believe the school has insurance for the trip but not the cost of the trip paid by family.
Hi Jill, Yes, you can take out insurance for the trip to cover cancellation due to illness. Generally you’ll need a comprehensive policy – cheaper basic cover often doesn’t include cancellation cover. If you do end up needing to claim, you’ll also need a doctor’s certificate or other documentation to confirm the illness is serious. Our guide to cancellation cover has more on this topic. Hope this helps!
I AM PAYING FOR MY GRANDSON TO GO ON A SCHOOL TRIP TO INDONESIA IN 2025.
CAN I INSURE THE COST OF THE TRIP $8,000,
Hi Jill,
Yes you can arrange a travel insurance policy for him, although it’s a good idea to check with the school – many times for trips like this, the school arranges a group travel insurance policy so that all travellers are covered under the one single policy.
do i get discount for a travel insurance as i have health insurance with Medibank?
Hello, Yes, as a Medibank health insurance member, you’re entitled to 15% off Medibank Travel Insurance. You can also enjoy discounts of 10% off Medibank Life Insurance and Income Protection and 10% off Medibank Pet Insurances.
Hope this helps!
We have paid $4,000 deposit towards a tour in northern Australia in the middle of the year, and in a couple of months will have to pay the remainder of the tour costs, amounting to nearly $15,000.
Will this be covered by Medibank Travel Insurance domestic cancellation clause if something unexpected prevents us travelling?
Hi Jamey,
It depends on what the “unexpected” event is. It might be worth contacting the insurance underwriter, Zurich Australian Insurance Limited, to discuss your specific concerns to check if you are insured in these situations.