Travel Insurance

As SmartTraveller suggests, "If you're going overseas, travel insurance is as important as a passport". Whilst you plan for all the fun and adventure for your trip, you can't always plan for the unexpected events that could take the fun away, or even worse, could have you incur a large financial burden. Unexpected overseas medical treatment and hospitalisation are particularly costly when most countries do not provide free care for overseas tourists.

Medibank's international and domestic comprehensive travel insurance policies also offer cover on cancellation costs, loss of luggage and personal effects, travel delay expenses, and rental car excess.

When choosing a travel insurance policy, you need to carefully consider a variety of factors - such as destination, budget, time spent travelling, your health conditions, type of activities you'll participate in, possible unexpected medical expenses - just to name a few. It's also very important to understand what you are and aren't covered for by your chosen travel insurance policy.

Hospital, accident and medical evacuation cover are just some of the essential travel insurance benefits that could be pivotal if you get into a medical emergency while travelling, particularly when you travel to countries with expensive medical costs.

Trip cancellation cover can also be very helpful at a time when you need to cancel your non-refundable accommodation, transport fees and other prepaid costs due to certain unforeseen circumstances such as family emergency. The earlier you purchase your eligible travel insurance policy after you booked your trip, the earlier you'd be covered by this benefit.^*

It's important to choose the right level of cover for you and your trip when purchasing travel insurance. Please read Medibank's combined PDS/FSG, and Target Market Determination to see the coverage of each benefit and to ensure the product is right for you if you are considering a Medibank Travel Insurance Policy. You can compare Medibank Travel Insurance policies online, by phone, or at one of our retail stores.

^*For cancellation cover relating  to COVID-19 scenarios, refer to our COVID benefits page - Buying a policy and pre-trip cancellation.

If you wish to purchase a policy after you’ve already left home (or your current travel insurance policy has expired), Medibank Travel Insurance cover is subject to a three day no-cover period. In practical terms, this means there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying your new policy.

If you are taking out a policy, you can check if you have a pre-existing medical condition without the need to visit your doctor or supply a medical report - simply read through the ‘Existing Medical Conditions' section in the Product Disclosure Statement or conduct a self-assessment as part of the online application process.

There are three categories of medical conditions:

• conditions we automatically include cover for.
• conditions which cannot be covered.
• conditions we need to assess.

Please review each of these categories to determine which category applies to you. You can view the Product Disclosure Statement to find a full definition of 'Existing Medical Conditions' and what we automatically cover.

Note: If you have an existing condition that does not fit the criteria under “Existing Medical Conditions we automatically include” and you do not apply for and purchase the appropriate cover, we will not pay any claim arising from, relating to, or associated with, your condition.