medibank Travel Insurance

medibank

A holiday is good for the soul, right? Well Medibank knows it’s good for your physical health as well, and when you pick up a competitive travel insurance policy, it’s not too hard on the wallet either!

About Medibank

Medibank is an integrated healthcare company, providing health, pet, life and travel insurance to 3.9 million people in Australia and New Zealand. Medibank travel insurance is backed and underwritten by Travel Insurance Partners and Great Lakes Australia.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

Medibank travel insurance policies

With Medibank travel insurance, you can choose between Comprehensive, Medical Only and Multi-Trip policies. They also offer a domestic Australia Only policy, but here at Mozo, we only compare international travel insurance. Check out our table below for a rundown of the options available from Medibank:

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Single Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $4,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $4,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
= Covered = Not covered

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).


Important questions about Medibank travel insurance

Do I need to be a Medibank member to buy a travel insurance policy?

No you don’t, but if you are a member, you’ll get a 10% discount off the price of your travel insurance policy. Medibank policies are available to all Australian residents up to 86 years old, who are beginning and ending their trip in Australia.

What does a Medibank travel insurance policy cover?

That all depends on which policy you choose. If you take out a Medical Only policy, then, surprise, surprise, you’re covered only for medical, additional expenses and liability. If you’re looking for a little more cover, however, you can opt for a Comprehensive package, which will cover you for the same three benefits as the Medical policy, and also for all the usual travel insurance benefits, like luggage, delay, alternate transport costs, rental vehicle, and accidental death.

I’m travelling with a pre-existing medical condition. Will Medibank cover me?

There are 29 pre-existing medical conditions which are covered automatically and at no extra charge.
If it’s one of 19 automatically included conditions then yes. These include asthma, coeliac disease and menopause, and you can check your PDS for a full list. Other than that, you can apply for cover for a pre-existing medical condition, but you will likely have to pay a higher premium.
There are also a number of conditions that aren’t covered and won’t be, even if you apply. These include:

We’ve written up a guide on travel insurance for pre-existing medical conditions that you can visit if you need to know more.

Does Medibank travel insurance cover me for pregnancy?

Finding travel insurance for pregnancy is often tricky. There are usually pretty strict guidelines to what is covered, and Medibank is no exception. The only instance in which you will be covered for pregnancy under your Medibank travel insurance is for unexpected, serious complications before the 26th week.

And that’s for a single, uncomplicated pregnancy. If you’re having twins, have experienced complications or if your conception was medically assisted, you’ll need to complete a quick online assessment to get cover.

What activities does my travel insurance cover?

There are a number of sports and leisure activities included automatically under your Medibank travel insurance policy, including:

But keep in mind that some restrictions apply. For example, if you’re competing or doing any of these activities professionally, you aren’t covered and for some of them, you may have to participate under the supervision of a licensed professional.

What if I need to cancel Medibank travel insurance?

Cold feet? That’s ok. You can cancel your Medibank policy for any reason within 15 days of purchasing it. This cooling off period means you can get a full refund of your premium, as long as you haven’t made a claim or started your trip yet.

What factors might affect the cost of my travel insurance?

A number of factors contribute to the cost of your Medibank travel insurance premium, including:

The plan you choose - the Comprehensive policy is more expensive a Medical Only plan, but also offers considerably more cover.

Your destination - if you’re going to a high risk area, your policy might cost more. A trip to America will also usually mean higher travel insurance premium, because of the high cost of healthcare there.

How long you travel for - obviously, the longer you need to be insured, the more it will cost.

Your age - unfortunately, the older you are, the more you will pay. If you’re over 55, check out our guide to travel insurance for seniors to make sure you’re getting the best deal.

The excess - higher excess means a lower premium. Medibank allows you to choose between $0, $100 or $250 excess, so you can control the level of premium you pay.

Any additional cover options - if you’re adding extras like increased cover for your luggage or rental car, you’ll pay an extra premium

Existing medical conditions - if your medical condition is not automatically covered, you’ll usually have to pay a higher premium to have them covered.

Medibank travel insurance policies: the fine print

When you take out a travel insurance policy, it’s always a good idea to keep one eye on the fine print and exclusions, so that if you have to make a claim, you understand exactly what your cover does and doesn’t include. You should take the time to read your PDS so you know the exclusions relevant to your trip, but in the meantime, here are a few major exclusions you might want to know about:

Making a claim on your Medibank travel insurance policy

If something does go wrong on your trip and you need to submit a claim to Medibank, here’s how:

Online
Claims submitted online through the Medibank website, are likely to be processed faster. To do this, you just need to fill in the online claims form, and then upload any documents, like receipts, medical certificates or police reports, that might be relevant to your claim.

Via post
If you prefer the snail mail route, you can download a claims form from the Medibank website. Complete it and attach the original copy of any relevant documents, then send it via post to the address on the website. Remember to take a photocopy of your documents for your own records before you send them.

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

Overall 8.2*

Value for money

Trust

42 Reviews

* Overall rating based on reviews in the past 12 months.

Recent medibank travel insurance reviews Recent medibank travel insurance reviews

medibank

medibank travel insurance review

Overall rating   8 / 10

Excellent customer service and information given!

Easy to fill in required form details and super fast.

Full review

Easy to fill in required form details and super fast.

    Value for money   8 / 10

    Trust   8 / 10

Less

Marcelle (WA), reviewed about 1 year ago

medibank

medibank travel insurance review

Overall rating   10 / 10

Nice customer service and they care about you.

Always looks after you even it's a small issue.

Full review

Always looks after you even it's a small issue.

    Value for money   10 / 10

    Trust   10 / 10

Less

Christina (VIC), reviewed about 1 year ago

medibank

medibank travel insurance review

Overall rating   10 / 10

Surprise Surprise - Medibank beats the rest!!

This must be one of the lowest priced travel insurance premiums from a well-known company. It's the lowest one I found! Medibank's quote for the same comparable policy was less than half the price of "another well known company" which was given...

Full review

This must be one of the lowest priced travel insurance premiums from a well-known company. It's the lowest one I found! Medibank's quote for the same comparable policy was less than half the price of "another well known company" which was given as a suggestion. AND...so, so super easy to fill out online as well... and BAM ... the policy is done!

    Value for money   10 / 10

    Trust   10 / 10

Less

Sandra (QLD), reviewed about 1 year ago

medibank

medibank travel insurance review

Overall rating   9 / 10

Competitive and reliable

Always reliable and best rate.

Full review

Always reliable and best rate.

    Value for money   9 / 10

    Trust   8 / 10

Less

Anna (WA), reviewed about 1 year ago

medibank

medibank travel insurance review

Overall rating   9 / 10

Amazing

Very good cover.

Full review

Very good cover.

    Value for money   9 / 10

    Trust   9 / 10

Less

Kayla (WA), reviewed over 1 year ago

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Compare Medibank travel insurance with other Travel Insurers

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.

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