Medibank Travel Insurance

Reduce your excess to $0, and enjoy unlimited cover on trip cancellation costs when you choose Medibank travel insurance.

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Medibank Travel Insurance

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • Medibank travel insurance offers a strong rate of up to $5,000,000 for personal liability cover on both its international and domestic policies. Out of fifteen travel insurance companies that we reviewed, this was only matched by three other brands.
    • This company is one of just a handful of brands offering some kind of cover for the pandemic. This includes trip cancellation due to a COVID-19 diagnosis and cover for medical costs if you're travelling to New Zealand.
    • Medibank could be more senior-traveller friendly. While its policies cover travellers aged up to 84, you'll find reduced cover limits for anyone over the age of 70.

    Review by our senior insurance writer James Martin

    With Medibank travel insurance you can get cover for both domestic and international holidays, and enjoy add-ons like cover for cruises, winter sports and motorcycle adventures. Use our handy table below to compare all four of Medibank's policies side-by-side.

    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.

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    Summary of Medibank's International Comprehensive policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment FeesUnlimited
    Luggage and Personal Effects$15,000
    Maximum Age Limit84

    Table updated July 2021

    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.

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    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.

    Medibank travel insurance review of policy benefits

    Domestic Plan International Medical Only PlanInternational Comprehensive Plan
    Overseas medical and hospital expenses
    Additional expensesUnlimitedUnlimitedUnlimited
    Cancellations and amendmentsUnlimited
    Luggage and personal effects$8,000
    Rental car insurance excess$5,000
    Travel delay expenses$2,000
    Hospital cash allowance
    Loss of income$2,000
    Permanent disability$10,000
    Accidental death$10,000
    Personal liability$5,000,000$5,000,000$5,000,000

    Table updated July 2021

    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 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.

    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

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    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,

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