| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Cover chosen |
| Luggage and Personal Effects | $10,000 |
| Maximum Age Limit | No age limit (120 on quote engine) |
Table updated September 2023
Defence Health offers some cover for expenses related to COVID-19, but it's not the strongest in the market. Here's what you can expect:
There are some scenarios that are not covered by Defence Health including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.
Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.
Defence Health offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.
Comprehensive
Essentials
Domestic
Multi-Trip
Non-Medical
The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.
These are some of the main insured events that Defence Health will cover. These benefits apply across all international policies.
Defence Health also offers four add-ons that provide cover for a wider range of risks.
Unfortunately, travel insurance doesn't cover everything. Generally, Defence Health will not pay your claim if it relates to:
li>An act of war, invasion or revolution
Make sure you review the Defence Health PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
You can make a claim online via the Defence Health claims portal. You should have your policy number, personal details and travel itinerary ready, as well as any relevant receipts, medical records, and police reports.
You can also call the Defence Health claims team on 1800 622 499 (Weekdays 8:30am-6pm AEST).
Defence Health offers a broad range of options to customise your policy, including Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover. You can also increase item limits and adjust your excess.
However, if you want comprehensive cover for risks related to COVID-19, you might want to look elsewhere as Defence Health offers limited protection.
In most cases, you, your travelling companion, a relative or business partner would need to be diagnosed with COVID-19 to make a claim.
If you're still not sure about Defence Health, you can compare other travel insurance companies here.
Butter International Travel Insurance comes with all the essentials and plenty of optional extras for those who want further coverage.
From fire and flood to earthquake and volcanic eruption, natural disasters can cause travel chaos, but travel insurance will have you covered.
Learn how couple’s travel insurance can save you money.
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
This article examines what is and isn’t covered by missed flight travel insurance and also takes a look at other types of trip interruption and cancellation cover.
Ready to get moving? See quotes and compare travel insurance policies for USA from 15
brands
Travelling on a one-way ticket? Learn how to find one-way travel insurance and what to look for in your policy.
One of the features of many high-end or rewards credit cards is complimentary travel insurance. Unlike standalone travel insurance policies which require you to pay a premium, these policies are offered for free to cardholders. However, keep in mind that you still need to pay your card’s annual fee and will need to use your credit card to book certain holiday costs in order to activate cover.
Similar to standalone travel insurance policies, complimentary credit card travel insurance offers cover for a host of risks you face while travelling, including overseas emergency medical expenses, cancellation fees and lost deposits, luggage and personal belongings, and legal liability.
However, just as with any other type of insurance, these policies feature a range of limits and exclusions that you should be wary of before setting off on a trip. It also pays to compare credit card travel insurance policies closely before deciding which card offers the right cover for you.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
I insured once before with Defence…Insurance and fortunately did not need to make any claims. I am about to travel with my adult daughter on an Intrepid trip to Turkey. My extended family member was in the defence forces. (He is a nephew of my husband.) Am I still able to use Defence..Insurance for my daughter and myself even though the family link is somewhat distant?
Hi Helen,
Thank you for your question. You have contacted finder.com.au, a comparison and information service and not Defence Health Travel Insurance.
Generally, extended families are eligible for Defence Health Travel Insurance. You will need to check with Defence Health Travel Insurance about the area in which you plans on traveling as some places in Turkey are designated as do not travel and reconsider your need to travel
Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
All the best,
Zubair
Have a house in New Zealand and often stay for extended periods.Am I still covered by defence health for illness or hospitalisation.
Hi Pinnow,
Thanks for getting in touch.
While Australia has a reciprocal health agreement with New Zealand, meaning you have access to some parts of their public healthcare system, your health insurance doesn’t cover you for medical expenses incurred overseas.
If you’re looking for added protection, you may wish to consider taking out travel insurance.
All the best,
Richard