Frequently asked questions

Our travel insurance is designed for the leisure traveller and typically does not cover events linked to employment overseas. In most circumstances, if you suffer an injury on-the-job you may be entitled to seek compensation from your employer in the first instance.

You can get a quote and buy travel insurance online now, call us on 1300 987 830 or visit one of our Medibank stores where one of our customer consultants will be pleased to assist you.

Yes, you will receive a 15% discount off travel insurance premiums

We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise the standard of practice and service in the general insurance industry.

If you are dissatisfied with our service in any way, contact us and we will attempt to resolve the matter in accordance with our Internal Dispute Resolution procedures.

A dispute can also be referred to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms.

If your claim relates to a medical condition(s), you need to have your regular doctor in Australia complete this section of the form.

If you decide to extend your journey and wish to be insured for longer than the original period,  you will need to purchase a new policy by contacting us prior to the expiry date on 1300 362 544 (within Australia) or +61 2 8907 5020 (from overseas) or emailing medibank@travelinsurancepartners.com.au 

Note:  It is a new policy, not an extension of the previous policy. Should a medical condition present itself prior to the time of issues of the new policy, it may be considered an Existing Medical Condition under the new policy and therefore may not be covered.    

If you have an emergency whilst travelling, contact Emergency Assistance immediately on +61 (2) 8907 5672 or one of the following numbers and our team will be able to help you deal with your emergency.

• New Zealand - 0800 284 346
• UK - 0800 096 8821
• USA - 1 855 802 3392
• Canada - 1 855 802 3392

You can call the 24 hour hotline from anywhere around the world, 24 hours a day, 7 days a week. For easy reference, the phone number and your policy number can be entered on your Emergency Assistance Card and kept in your wallet.

If you have a medical problem whilst overseas, contact the 24hour Emergency Assistance team immediately on +61 (2) 8907 5672 or one of the following numbers and our team will be able to help you deal with your emergency.

• New Zealand - 0800 284 346
• UK - 0800 096 8821
• USA - 1 855 802 3392
• Canada - 1 855 802 3392

You can call the 24 hour hotline from anywhere around the world, 24 hours a day, 7 days a week. For easy reference, the phone number and your policy number can be entered on your Emergency Assistance Card and kept in your wallet.

Medibank Travel Insurance entitles you to medical assistance and cover for the costs of treatment whilst overseas subject to policy conditions. Refer to the Product Disclosure Statement for details.

After you purchase a travel insurance policy online, you will immediately receive confirmation with a Certificate of Insurance - so you are covered right away.

Our overseas travel plans allow you to choose your excess. The higher the excess you choose, the lower the premium you pay.

You can choose from:

• $Nil excess
• $100 excess
• $250 excess

Your excess will be shown on Your Certificate of Insurance. Our Domestic Plans have a standard $50 excess.

If you wish to purchase a policy after you’ve already left home (or your current travel insurance policy has expired), 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 three days of buying your new policy.

Select the country in which you will spend the most time. It is compulsory to select the Americas or Africa if more than 20% of your time is spent in the Americas or Africa.

Yes. Our intention is to cover as many people as possible. However policy prices may increase in line with your age and cover may be subject to medical assessment and trip duration limits.

Medibank Travel Insurance policies do not cover medical costs incurred within Australia because this is not permitted by law and you are already entitled to treatment under Medicare and/or your private healthcare entitlement.

Yes, but you must take all reasonable precautions to protect your luggage, which means ensuring that you do not leave it unsupervised and taking all necessary steps to avoid any loss or damage.

Note that the loss or theft of luggage, personal effects, travel documents or money must be reported within 24 hours to the police and a responsible transport provider if your items are lost or stolen whilst travelling with a Transport Provider. A written report must be obtained at the time.

Other terms and conditions and exclusions may also apply.

For more information, please refer to the Product Disclosure Statement.

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.

Can I get travel insurance that covers my pregnancy?

Yes, you can purchase our travel insurance that will provide you with cover for up to your 26th week of pregnancy. However, please note the following important points:

1.     If you are aware of the pregnancy at the time of issue of the policy, an online medical assessment must be completed if either of the following apply:

·       there have been complications with this or any previous pregnancy;

·       you are having a multiple pregnancy (e.g. twins or triplets); or

·       the conception was medically assisted (including hormone therapies and IVF).

You can complete an assessment by either visiting your nearest Medibank store, online at medibank.com.au/travel or by calling 1300 987 830.

2.     Cover is only provided for unexpected serious pregnancy complications which occur before the

26th week of pregnancy.

3.     No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.

Expectant mothers should therefore consider whether they travel and buy this policy, particularly if travelling beyond the 20th week of pregnancy.

You can view or download the Product Disclosure Statement to find full Details.

Existing Medical Condition means a disease, illness, medical or dental condition or physical defect that at the Relevant Time meets any one of the following:

1. has required an emergency department visit, hospitalisation or day surgery procedure within the last two years;
2. requires:
   1. prescription medication from a qualified medical practitioner or dentist;
   2. regular review or check-ups;
   3. ongoing medication for treatment or risk factor control;
   4. consultation with a specialist;
3. has:
   1. been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;
   2. required surgery involving the abdomen, back, joints or spine;
   3. shown symptoms or signs however, a medical opinion or investigation has not been sought to confirm or provide a diagnosis; or
4. is:
   1. chronic or ongoing (whether chronic or otherwise) and medically documented;
   2. under investigation;
   3. pending diagnosis; or
   4. pending test results.

‘Relevant Time’ in respect of:

1. Single Trip policies means the time of issue of the policy.
2. Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

If You are unsure whether You have an Existing Medical Condition, please call 132 331 for assistance.

There are three categories of medical conditions:

1. conditions we automatically include.
2. conditions which cannot be covered.
3. conditions we need to assess.

Please review each of these categories to determine which category applies to you.

You can view or download the Product Disclosure Statement to find a full definition of a 'Pre-existing Medical Conditions'.

Travel insurance is designed to help protect travellers against a range of unexpected events that can occur before or during a trip. What’s included will depend on the type of cover you choose. 

What's the difference between Medibank Travel Insurance plans? 

• Medical Only: An International Medical Only Plan provides cover for overseas medical and hospital expenses¹ that occur whilst travelling. It will not provide cover for things like trip cancellation or lost luggage. Medical only cover is not available on domestic travel and can only be purchased as single trip insurance. 
• International Comprehensive: A Medibank International Comprehensive Travel Insurance Plan provides more complete cover during your trip. It can provide cover for overseas medical and dental emergencies,¹ plus inclusions for unforeseen cancellations², lost/stolen valuables³ and more. An International Comprehensive Plan can be purchased as either a Single Trip or Annual Multi-Trip policy. 
• Domestic: A Medibank Domestic Travel Insurance Plan is designed to help protect trips within Australia. It includes cover for cancellation, amendment & delays², cover for lost, stolen & damaged personal effects³ and more. Domestic travel insurance does not include any cover for medical expenses incurred whilst travelling. A Domestic Plan can be purchased as either a Single Trip or Annual Multi-Trip policy. 

To understand more about the different Medibank Travel Insurance options, please visit our compare travel insurance page or refer to the Combined FSG/PDS.