Travel Insurance with COVID Cover

All Medibank Travel Insurance Plans have some COVID-19 cover included as standard.

Plus, Medibank and ahm health members save 15%.

Medibank travel insurance COVID cover

What is travel insurance with covid cover?

A travel insurance policy with COVID-19 benefits includes cover for certain unforeseen COVID-19-related scenarios and can help reduce the financial risk of travelling. Depending on the level of cover you choose, benefits can include such things as COVID-19 overseas medical expenses, trip amendments & cancellation costs, and additional expenses.

COVID-19 policy benefits are for both international and domestic plans, but it's important to understand that not all COVID-19 scenarios will be covered. Continue reading to learn more about what you are - and aren't covered for when it comes to travel insurance with covid cover.

What COVID-19 benefits do we offer?

When taking out travel insurance with Medibank, cover will be provided for some common scenarios related to COVID-19. This means there's no need to "add covid cover" when purchasing Medibank Travel Insurance because every policy will come with some level of inbuilt covid cover.

Which benefits are included and the cover amount will depend on the travel insurance plan you select. Benefits may include: 

 

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Cover for COVID-19 overseas medical costs ¹

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Cover for COVID-19 cancellation and amendments ²

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Cover for additional COVID-19 expenses ³

Limits, sub-limits, conditions, and exclusions apply to COVID-19 travel insurance benefits. Please read our Product Disclosure Statement (PDS) for full details.

COVID-19 travel insurance options

All Medibank Travel Insurance Plans contain some inbuilt COVID-19 Cover. The information below helps you understand some of the high level inclusions at a glance.

Comprehensive COVID travel insurance

International Comprehensive Travel Insurance

  • $Unlimited COVID-19 overseas medical costs1
  • Up to $10,000 for COVID-19 trip cancellations and amendments2
  • $Unlimited additional expenses if diagnosed with COVID-19 on trip and admitted to a hospital3
  • Up to $5,000 additional expenses if diagnosed with COVID-19 and unfit to travel3
travel insurance covid cover

International Medical Only Travel Insurance

  • $Unlimited COVID-19 overseas medical costs1
  • No cover provided for COVID-19 trip cancellation and amendments
  • $Unlimited additional expenses if diagnosed with COVID-19 on trip and admitted to hospital3
  • Up to $5,000 additional expenses if diagnosed with COVID-19 and unfit to travel3
covid travel insurance Australia

Domestic Travel Insurance

  • No cover provided for any COVID-19 medical costs
  • Up to $5,000 for COVID-19 trip cancellations and amendments2
  • Up to $10,000 additional expenses if diagnosed with COVID-19 on trip and admitted to hospital3
  • Up to $5,000 additional expenses if diagnosed with COVID-19 and unfit to travel3

Limits, sub-limits, conditions, and exclusions apply to COVID-19 travel insurance benefits. Please read our Product Disclosure Statement (PDS) for full details.

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Multi-award winning travel insurance

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We're proud winners of Mozo's Experts Choice awards in 2022 and 2023.

Travel insurance with COVID-19 cover: what is included?

COVID-19 benefits are available on our International Comprehensive and Medical Only, and Domestic travel insurance plans. Covid benefits apply to both Single Trip and Annual Multi-Trip policies. 

What is covered depends on the type of policy you purchase. COVID-19 benefits may include:

  • Pre-trip cancellation:²

    This benefit applies (up to the specified limit) if you need to cancel or amend your trip before departure, because you or your travelling companion have been diagnosed with COVID-19 and have been certified by a qualified medical practitioner as unfit to travel. 
  • Cover for your on-trip Cancellation and Amendment costs:²

    Cover is provided (up to the specified limit) if you, or your travelling companion(s) are diagnosed with COVID-19 by a qualified medical practitioner who confirms that you are not fit for travel, or if you are individually contacted by a local public health authority and are directed into a period of quarantine and can no longer continue travelling.
  • Additional Expenses:³

    This benefit applies if you are diagnosed with COVID-19 on your trip and are certified by a qualified medical practitioner as being unfit to travel. 
  • Cancellation due to a relative or business partner having life-threatening COVID-19:²

    Cancellation cover up to the specified limit applies if your non-travelling relative or business partner in Australia or New Zealand is diagnosed with COVID-19 by a qualified medical practitioner and the level of infection is life-threatening (or if they pass away). 
  • $Unlimited overseas medical costs:¹

    If you’re diagnosed with COVID-19 by a qualified medical practitioner while travelling overseas our COVID-19 travel insurance benefits can provide cover for overseas medical treatment and ambulance transportation costs. If your trip includes a multi-night ocean or sea cruise, then Cruise Cover must have been purchased.
  • Cover for essential health care workers:

    Cancellation cover2 (up to the specified limit) also applies if your leave is revoked by your employer due to COVID-19 related reasons and you can't go on your trip. 

Limits, sub-limits, conditions, and exclusions apply to COVID-19 travel insurance benefits. Please read our Product Disclosure Statement (PDS) for full details.

 

What is not covered:  

 
  • Cancellation and Amendment cover is not available if you purchase an International Medical Only Plan.
  • Medical and Hospital Expense cover is not available on a Domestic Plan. 
     

Medibank Travel Insurance is proud to offer COVID-19 benefits, but unfortunately, we can’t cover every scenario that may arise as a result of COVID-19.

For example, we will not pay any claims arising from or caused by COVID-19 if: 

  • Your destination is subject to a ‘Do not travel’ advice on the Smartraveller website at the time you enter the country or part of the country. (This ‘Do not travel’ exclusion does not apply if your destination is Australia or New Zealand).
  • Your claim is related to you having travelled on a multi-night ocean or sea cruise and you have not purchased the additional Cruise Cover for your policy. (Note: Cabin confinement cover is not available even if Cruise Cover has been added). 
  • Your costs are related to a government directed border closure.
  • Your costs are due to mandatory quarantine or isolation orders required to cross a border, such as a border between states, countries, or regions. 

It is important to read the Product Disclosure Statement before you consider purchasing a travel insurance policy. Please take note of limits to cover. For full details on our covid travel insurance benefits, please read the PDS here.

 

FAQs: Before you travel

Remember to check the PDS for full details. For more information, contact 13 23 31.

 

FAQs: During your trip

Remember to check the PDS for full details. For more information, contact 13 23 31.

 

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Great, use our handy tool for a quick and easy online quote or give us a call on 132 331 to chat through your options.

Things you should know

1 Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval. 

2 Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International Comprehensive and Domestic policies. See the Combined FSG/PDS for more information.

3 Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/