Medibank Travel Insurance

Important information on terms, conditions and sub-limits

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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's travel insurance policies 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.

Cover information and limits in the table below verified as correct at 26 April 2024. 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

    • International Medical Only

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events

    • Unlimited

    • Unlimited

    • $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

    • Optional

    More info

    • 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

    • Optional

    More info

  • 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

    • Annual Multi-Trip

    • 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

    • 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).

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: 

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

8.7

Policy coverage

8.5

Customer service

8.8

Claims handling

8.7

Trust

52 Reviews

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

Medibank logo

Medibank Travel Insurance review

Overall rating   8 / 10

Medibank Travel Insurance: Reliable Coverage

I recently used Medibank travel insurance for a trip overseas and I have to say, I was impressed. Here's why: Pros: Firstly, Medibank travel insurance offers comprehensive coverage at competitive prices. Their website is easy to navigate and...

Full review

I recently used Medibank travel insurance for a trip overseas and I have to say, I was impressed. Here's why: Pros: Firstly, Medibank travel insurance offers comprehensive coverage at competitive prices. Their website is easy to navigate and it was quick and easy to get a quote for my trip. The policy covered everything I needed, from medical expenses to flight cancellations. Secondly, I was impressed with their customer service. When I had to make a claim, the process was straightforward and the staff were helpful and friendly. They kept me updated throughout the process and I felt like they really cared about helping me out. Finally, I appreciated the added benefits that came with my policy, such as access to a 24/7 helpline and emergency assistance when I needed it. This gave me peace of mind and allowed me to enjoy my trip without worrying about what might happen if something went wrong. Cons: The only downside I experienced with Medibank travel insurance was that the policy wasn't as customizable as some other providers. However, for me personally, this wasn't a major issue as the coverage provided was comprehensive enough to meet my needs. Overall, I would highly recommend Medibank travel insurance to anyone looking for a reliable and comprehensive travel insurance provider. Their prices are competitive, their customer service is excellent, and the added benefits provided make for a worry-free travel experience.

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Emma, Western Australia, reviewed about 1 year ago

Medibank logo

Medibank Travel Insurance review

Overall rating   9 / 10

Fantastic, they helped me in my time of need.

A few years ago I had a nasty snowboarding accident in the USA that left me requiring extensive shoulder surgery. My biggest stress was the insurance coverage (not so much the injury). I was incredibly surprised when i contacted Medibank to begin...

Full review

A few years ago I had a nasty snowboarding accident in the USA that left me requiring extensive shoulder surgery. My biggest stress was the insurance coverage (not so much the injury). I was incredibly surprised when i contacted Medibank to begin the claims process and was met with excellent service, empathy and a hassel free process to get me fixed up and back home.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Samuel, Victoria, reviewed over 1 year ago

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 3 years 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 3 years 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 3 years ago

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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.