Our verdict: Unlimited trip cancellation and overseas medical expenses, generous policy limits and a discount for private health members make Medibank Travel Insurance a solid option for travellers.
Medibank has an easy-to-understand policy offering that makes it clear what you are and are not covered for. Its inclusions are generous and include some hard-to-find extras like COVID cover while cruising, many pre-existing conditions and a stack of standard adventure activities. Add on a 15% discount for private health members and you have a very competitive option.
Pros
Medibank travel insurance offers a strong rate of up to $5,000,000 for personal liability cover.
This insurer is one of just a few brands offering cover for the pandemic. This includes trip cancellation due to a COVID-19 diagnosis and overseas medical costs.
Cons
There is limited cover for pregnancy. You are only covered for serious complications up to your 26th week, and you'll have to complete a health assessment to ensure you're fully covered.
Compare your travel insurance quotes
Compare travel insurance quotes from 14
brands – that's more than any other site in Australia.
Got a quote before?
Current Medibank travel insurance deals
Deal
15% off travel insurance for Medibank Private members
Medibank has 3 different plans available: Domestic, International Medical Only and International Comprehensive. If you're planning more than 1 trip for the year, a Medibank Annual Multi-Trip policy is also an option. The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 21 days which means you can change your policy or cancel within this period and Medibank will refund your premium in full. The excess is the amount you need to pay when you make a claim, and you can lower the cost of your policy by selecting a higher excess.
Here's a breakdown of Medibank Travel Insurance features
These are some of the features that Medibank will cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive policy versus medical-only).
For more flexibility, Medibank offers extra cover for your specific needs. You can add these options when you're applying based on what you have planned for your trip.
Cruise cover. If you've got a multi-night cruise planned, you'll be covered for a variety of additional costs such as cancellations, on-board medical expenses and missed shore excursions.
Extra luggage limits. If you're travelling with expensive things such as a camera, laptop or jewellery, make sure that the included value is enough by checking the Product Disclosure Statement (PDS). If not, you can always add more.
Winter sports. This cover is for those who are skiing, snowboarding or snowmobiling on their trip. Protect yourself, so the expenses don't snowball if you get into an accident.
Motorcycle/moped riding. This cover is for when you're a rider or plan to be a pillion passenger on a motorcycle/moped while you're travelling. This will cover your medical expenses if you get into an accident, but only if you or the driver hold a valid licence, you're wearing a helmet and the engine capacity is 250cc or less.
Exclusions
Like any insurer, there are a few events that aren't covered under a travel insurance policy. With Medibank, some of these include:
Make sure you review Medibank's PDS for a detailed breakdown of what is and isn't covered, found under its list of general exclusions.
How to make a Medibank Travel Insurance claim
You can submit your claim by downloading a claim form online and posting it to the Medibank Travel Insurance Team at c/o Travel Insurance Partners Claims Dept, PO Box 168, North Sydney NSW 2060 Australia.
Alternatively, you can submit a claim online by following these steps:
Head to https://claims.travelinsurancepartners.com.au/Medibank
Enter your full name and policy number to log in
Complete your claim details by answering all sections
Upload any documents to support your claim
Submit, and you should hear back within 10 business days
Frequently asked questions
Yes, Medibank Travel Insurance is insured by Zurich Australian Insurance Limited, part of the Zurich Insurance Group with insurance products and services in more than 210 countries and territories. It also offers a 21-day cooling-off period if you decide you're not happy with the policy.
Travel to Indonesia comes with its own unique risks and Medibank travel insurance ticks a lot of boxes when it comes to cover. White water rafting, bungee jumping and scuba diving are all covered as standard (provided you meet the minimum requirements), and natural disasters such as volcanic eruptions have been covered in the past.
Medibank Travel Insurance will advise what type of documents you'll need to provide at the time of your claim. Supporting documents can include:
Police reports
Medical reports
Valuations
Original receipts or proof of purchase and ownership
Highly commended for Best Travel Insurance - Value
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
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.
I am paying the cost of a school trip to Indonesia for my Grandson. Am I able to obtain insurance for the cost of the trip ($8,000) against cancellation due to illness.
I believe the school has insurance for the trip but not the cost of the trip paid by family.
Finder
AngusSeptember 13, 2024Finder
Hi Jill, Yes, you can take out insurance for the trip to cover cancellation due to illness. Generally you’ll need a comprehensive policy – cheaper basic cover often doesn’t include cancellation cover. If you do end up needing to claim, you’ll also need a doctor’s certificate or other documentation to confirm the illness is serious. Our guide to cancellation cover has more on this topic. Hope this helps!
JILLSeptember 12, 2024
I AM PAYING FOR MY GRANDSON TO GO ON A SCHOOL TRIP TO INDONESIA IN 2025.
CAN I INSURE THE COST OF THE TRIP $8,000,
Finder
SarahSeptember 25, 2024Finder
Hi Jill,
Yes you can arrange a travel insurance policy for him, although it’s a good idea to check with the school – many times for trips like this, the school arranges a group travel insurance policy so that all travellers are covered under the one single policy.
MdJuly 9, 2024
do i get discount for a travel insurance as i have health insurance with Medibank?
Finder
SarahJuly 16, 2024Finder
Hello, Yes, as a Medibank health insurance member, you’re entitled to 15% off Medibank Travel Insurance. You can also enjoy discounts of 10% off Medibank Life Insurance and Income Protection and 10% off Medibank Pet Insurances.
Hope this helps!
JameyFebruary 4, 2024
We have paid $4,000 deposit towards a tour in northern Australia in the middle of the year, and in a couple of months will have to pay the remainder of the tour costs, amounting to nearly $15,000.
Will this be covered by Medibank Travel Insurance domestic cancellation clause if something unexpected prevents us travelling?
Finder
SarahMarch 25, 2024Finder
Hi Jamey,
It depends on what the “unexpected” event is. It might be worth contacting the insurance underwriter, Zurich Australian Insurance Limited, to discuss your specific concerns to check if you are insured in these situations.
sandraMarch 21, 2023
Does anyone provide cruise insurance for people over 80 who are well and fit.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
I am paying the cost of a school trip to Indonesia for my Grandson. Am I able to obtain insurance for the cost of the trip ($8,000) against cancellation due to illness.
I believe the school has insurance for the trip but not the cost of the trip paid by family.
Hi Jill, Yes, you can take out insurance for the trip to cover cancellation due to illness. Generally you’ll need a comprehensive policy – cheaper basic cover often doesn’t include cancellation cover. If you do end up needing to claim, you’ll also need a doctor’s certificate or other documentation to confirm the illness is serious. Our guide to cancellation cover has more on this topic. Hope this helps!
I AM PAYING FOR MY GRANDSON TO GO ON A SCHOOL TRIP TO INDONESIA IN 2025.
CAN I INSURE THE COST OF THE TRIP $8,000,
Hi Jill,
Yes you can arrange a travel insurance policy for him, although it’s a good idea to check with the school – many times for trips like this, the school arranges a group travel insurance policy so that all travellers are covered under the one single policy.
do i get discount for a travel insurance as i have health insurance with Medibank?
Hello, Yes, as a Medibank health insurance member, you’re entitled to 15% off Medibank Travel Insurance. You can also enjoy discounts of 10% off Medibank Life Insurance and Income Protection and 10% off Medibank Pet Insurances.
Hope this helps!
We have paid $4,000 deposit towards a tour in northern Australia in the middle of the year, and in a couple of months will have to pay the remainder of the tour costs, amounting to nearly $15,000.
Will this be covered by Medibank Travel Insurance domestic cancellation clause if something unexpected prevents us travelling?
Hi Jamey,
It depends on what the “unexpected” event is. It might be worth contacting the insurance underwriter, Zurich Australian Insurance Limited, to discuss your specific concerns to check if you are insured in these situations.
Does anyone provide cruise insurance for people over 80 who are well and fit.
Hi Sandra,
Thanks for getting in touch. There are a few providers that may cover you. Head to this page to find them https://www.finder.com.au/travel-insurance-for-over-80
Hope that helps.
Thanks,
Gary