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Is Medibank on your shortlist for travel insurance providers? We’ve combed the fine-print to answer your questions about Medibank, their travel insurance plans, any important exclusions, and which policy add-ons you might need, so you can find the right policy for your needs.

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.

Rates and fees verified as correct at 23 May 2022. 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.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What is included in a Medibank international travel insurance policy?

Medibank has two international travel insurance policies. These are the Medical Only and International Comprehensive policies.

But remember: check Mozo’s data fields or the Medibank product disclosure statement (PDS), found near the bottom of their travel insurance page, for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range. 

If you only want medical cover on your travels, then the Medical Only policy may cover you for:

If you opt for the International Comprehensive travel insurance policy, then you can be covered for:

Does Medibank travel insurance have COVID-19 cover?

Medibank does provide some cover for COVID-19, however it may be subject to certain conditions. Some COVID-19 related claims only apply if you’re travelling in Australia and New Zealand, if the Smartraveller advice level is below a ‘Do Not Travel’ warning, and you are not claiming in relation to a multi-night cruise. Your cover will also depend on the policy you choose, so before you buy one make sure you read through the PDS to make sure you’re getting coverage which suits your needs. 

COVID-19 related benefits may include:

COVID-19 benefits that may only apply to travel in Australia or New Zealand:

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. You’ll need to have receipts or a recent valuation (less than  24 months old) when you ask for a quote. 

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. However, if your cruise doesn’t leave Australian waters, you won’t need to apply for this add-on. 

Medibank’s cruise cover offers the following benefits:

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. Medibank’s snow sports cover only applies if you’re skiing or snowboarding on-piste (meaning within the boundaries of the ski field), you are not competing in a race, or participating in a professional capacity. 

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 may only cover you in relation to motorcycle and moped riding if:

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 which 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 the case of your condition causing you trouble on your travels. 

A few examples of the conditions which Medibank automatically covers include:

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 exclusions are there to look out for in a Medibank travel insurance policy?

If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under Medibank’s policies regarding any COVID-19 claims. 

A brief list of general exclusions also include claims relating to:

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: 

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

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.

How does the Mozo Community rate Medibank?

Read how the Mozo community has rated Medibank travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Medibank travel insurance
8.4

Overall 8.4

7.8

Value for money

8.3

Policy coverage

8.0

Customer service

8.5

Claims handling

8.6

Trust

50 Reviews

Recent Medibank travel insurance customer reviews Recent Medibank travel insurance customer reviews

Medibank logo

Medibank Travel Insurance review

Overall rating   10 / 10

It is one of the best.

Medibank is great.

Full review

Medibank is great.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Solomoni, Queensland, reviewed about 1 year ago

Medibank logo

Medibank Travel Insurance review

Overall rating   3 / 10

Shop around for a better deal and actual coverage.

We couldn’t claim on a refund of flights for a family wedding during the pandemic where other insurers that family booked through did. What’s the point of having travel insurance with this mob?

Full review

We couldn’t claim on a refund of flights for a family wedding during the pandemic where other insurers that family booked through did. What’s the point of having travel insurance with this mob?

    Value for money   3 / 10

    Policy coverage   3 / 10

    Customer service   2 / 10

    Claims handling   4 / 10

    Trust   1 / 10

Less

Ashleigh, Western Australia, reviewed about 1 year ago

Medibank logo

Medibank Travel Insurance review

Overall rating   10 / 10

Trustworthy and would recommend

Was easy to book/purchase. Has discounts every now and then. Feel safe and trust the company.

Full review

Was easy to book/purchase. Has discounts every now and then. Feel safe and trust the company.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Bronte, New South Wales, reviewed over 1 year ago

Medibank logo

Medibank Travel Insurance review

Overall rating   10 / 10

Competitive premiums and great customer service

Very informative and helpful.

Full review

Very informative and helpful.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Janice, South Australia, reviewed about 4 years ago

Medibank logo

Medibank Travel Insurance review

Overall rating   9 / 10

Very good overall

Good to deal with and reasonable rates. A bit slow to return messages.

Full review

Good to deal with and reasonable rates. A bit slow to return messages.

    Value for money   9 / 10

Less

Carol, Tasmania, reviewed almost 5 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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.