Medibank Travel Insurance

About Medibank

Medibank is an Australian private health insurance company, founded in 1974. They provide health services like pet insurance, life insurance, medical screenings, and injury management, among many other areas in the healthcare and insurance realm such as travel insurance. Medibank is underwritten by Zurich Australian Insurance Limited.

Cover-More is a multi-award winner in the 2023 Mozo Experts Choice Travel Insurance Awards for its travel insurance offerings. They took home four awards across the Exceptional Quality and Exceptional Value categories, including:

Exceptional Value Medical Only Travel Insurance USA

• Medibank International – Medical Only travel insurance 

Exceptional Value Annual Multi-Trip Travel Insurance

• Medibank – Annual Multi-Trip insurance 

Exceptional Quality Travel Insurance

• Medibank – Comprehensive travel insurance 

Exceptional Quality Annual Multi-Trip Travel Insurance 

• Medibank – Annual Multi-Trip travel insurance 

Check out some more of the winners at our best travel insurance page.

Cover information and limits in the table below verified as correct at 9 December 2023. Other information correct at the time of writing.

Medibank travel insurance policies

Medibank offers single or multi-trip domestic travel insurance and international travel insurance. They also offer a medical-only policy for international single-trip travellers.

Does Medibank travel insurance have COVID-19 coverage?

Medibank does provide some cover for COVID-19, however, it may be subject to certain conditions. Make sure you read through the PDS to choose the right coverage for your needs. 

What other optional extras can I add to my Medibank policy?

Extra luggage and personal effects cover

If you wish to increase the cover limit for specific personal items, like a camera or jewellery, you can pay an extra premium. 

Cruise cover

If you’re travelling for 2 or more nights on a cruise ship, then you’ll need to purchase cruise travel insurance on top of your policy. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. 

Snow sports 

Snow travel insurance is important if you’re hitting the slopes, and without it, you may not be covered for any claims relating to snow sports. 

Motorcycle/Moped riding

If you’re planning on riding a motorcycle or moped, as a driver or passenger, then you will need to add this optional extra to your policy. 

Medibank will, however, exclude motorcycle and moped riding from the personal liability benefit, so if you’re responsible for damage to the vehicle or the injuries of another person, you may be liable for costs. 

Are pre-existing medical conditions covered under Medibank’s travel insurance?

Medibank automatically includes cover for many pre-existing medical conditions, although some have criteria that must be met in order to receive the policy benefits. You must notify them of any pre-existing conditions that you have in order to receive cover for them. If you have a pre-existing medical condition, it’s always good to read the PDS to see if you’ll be covered in case your condition causes you trouble on your travels. 

You will need to declare your pre-existing condition and complete a health assessment by visiting a Medibank store, using their website (www.medibank.com.au/travel), or calling them on 132 331. 

What do I do if there’s an emergency during my trip?

If there’s an emergency, contact Medibank’s 24-hour emergency assistance and claims line on: 

• NZ: 0800 284 346

• UK: 0800 096 8821

• USA: 1 855 802 3392 

• Canada: 1 855 802 3392

• Other countries: +61 2 8907 5672

• Fax: +61 2 9954 6250

Medibank has a team of doctors, nurses, case managers, and travel agents who can help in an emergency. Examples of emergency situations may include:

• Help to find a medical facility 

• Paying hospital bills

• Getting you home safely 

• Lost passports or travel documents 

• Help change your travel plans  

How do I make a claim with Medibank travel insurance?

To make a claim, head online to Medibank’s website and follow the prompts, or download a claim form from their site. You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. You can either scan these for online upload, or post them to Medibank in the mail.

Medibank’s postal address is:

Medibank Travel Insurance Team 

c/o Travel Insurance Partners Claims Dept 

PO Box 168 

North Sydney NSW 2060

Australia

Medibank will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my Medibank travel insurance policy?

You can cancel your policy and receive a full refund within 21 days of purchasing it, provided that you have not started your journey or intend to make a claim.

Compare Medibank travel insurance with other travel insurance providers

With so many travel insurance options on the market, it’s a big job to sit down and compare them all. But Mozo believe it is well worth the time and effort if it gets you a more competitive deal that not only saves you money, but ensures your peace of mind while you’re away on your next beachside retreat or worldwide adventure. So we’ve developed our easy and free to use travel insurance comparison tool, which will let you compare heaps of travel insurance policies and choose the one that's right for you.  

You can also check out our guides on subjects like snow travel insurance, backpackers travel insurance or insurance for your next cruise. And while you’re at it, check out our travel hub, for all the latest news, tips and tricks about getting the most bang for your holiday buck.