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.
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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.
sandraMarch 21, 2023
Does anyone provide cruise insurance for people over 80 who are well and fit.
I am 80 years old. I am seeking travel insurance to travel to France for 41 days, commencing August 7th. I only require medical cover.
Finder
JamesJune 16, 2022Finder
Hi Angela,
You may want to check our travel insurance guide for people who are 80 years old and above. You’ll find a list of insurers who can provide the medical cover you’re seeking.
I hope this helps.
Regards,
James
helenSeptember 13, 2021
I’m looking for a 6-week one trip only in 2022 to the UK. I am 82 years old. Please advise on cost or for the whole year and for some domestic travel. Thank you!
Finder
JamesSeptember 15, 2021Finder
Hi Helen,
Thanks for reaching out. I believe you’re trying to get a quote with Medibank Travel Insurance, is that correct?
If so, you can source quotes on your insurance policy by getting in touch with Medibank directly. You can visit their website for more details.
If you’d like to explore other options, please feel free to fill out the quote form found on top of this page.
If cost is an important factor to you, you could take a look at some deals available on Finder on our page about Medibank travel insurance promo codes. Some of these may include cover for international trips.
Prior to choosing your cover, be sure to read each policy’s Product Disclosure Statement (PDS) with care so that you’re fully aware of your policy details, including any restrictions and exclusions.
I had a stent put in the heart. Am I eligible for travel insurance?
Finder
MaiApril 21, 2019Finder
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.
ReadySet Travel Insurance has multiple travel insurance products for purchase with various tiers of coverage. Optional extras are available for a more comprehensive policy.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
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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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.
Does anyone provide cruise insurance for people over 80 who are well and fit.
Hi Sandra,
Thanks for getting in touch. There are a few providers that may cover you. Head to this page to find them https://www.finder.com.au/travel-insurance/seniors-travel-insurance
Hope that helps.
Thanks,
Gary
I am 80 years old. I am seeking travel insurance to travel to France for 41 days, commencing August 7th. I only require medical cover.
Hi Angela,
You may want to check our travel insurance guide for people who are 80 years old and above. You’ll find a list of insurers who can provide the medical cover you’re seeking.
I hope this helps.
Regards,
James
I’m looking for a 6-week one trip only in 2022 to the UK. I am 82 years old. Please advise on cost or for the whole year and for some domestic travel. Thank you!
Hi Helen,
Thanks for reaching out. I believe you’re trying to get a quote with Medibank Travel Insurance, is that correct?
If so, you can source quotes on your insurance policy by getting in touch with Medibank directly. You can visit their website for more details.
If you’d like to explore other options, please feel free to fill out the quote form found on top of this page.
If cost is an important factor to you, you could take a look at some deals available on Finder on our page about Medibank travel insurance promo codes. Some of these may include cover for international trips.
Prior to choosing your cover, be sure to read each policy’s Product Disclosure Statement (PDS) with care so that you’re fully aware of your policy details, including any restrictions and exclusions.
You can also read our domestic travel cover guide to learn more.
Regards,
James
I had a stent put in the heart. Am I eligible for travel insurance?
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,
Mai