Finder makes money from featured partners, but editorial opinions are our own.
Medibank Travel Insurance
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 15
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
Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
Qantas Travel Insurance offers various cover choices with the added benefit of travel points rewards for spending money on insurance when booking flights through Qantas.
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 had a stent put in the heart. Am I eligible for travel insurance?
Finder
MaiApril 21, 2019Finder
Hi Paul,
Thank you for reaching out to Finder.
Medibank does not list heart conditions as part of its insurance coverage. You may want to check our list of travel insurance for heart conditions to compare insurers who have coverage on heart conditions, including those who have stents.
Please make sure to read through the insurance policies prior to application to guarantee that your condition is covered.
Hope this helps! 😊
Kind Regards,
Mai
SuanFebruary 14, 2019
We are travelling to Hawaii next March. We are there for 4 weeks, in the middle of that we are on a cruise. Can we get one cover to cover land and cruise?
Finder
ValFebruary 19, 2019Finder
Hi Susan,
Thank you for leaving a question. All of Medibank’s international policies have cruise cover. Products may vary depend on product details stated on site.
Medibank Travel Insurance covers four regions:
Worldwide (USA, Canada, Hawaii, South America, Africa & others)
Europe, Asia, Middle East (Europe, Ireland, Asia, Middle East)
UK and South East Asia
Indonesia, New Zealand, South West Pacific and domestic cruises
You may want to click on Get Quote or more info for the detailed coverage of the plan.
Hope this helps
Cheers,
Val
PamApril 19, 2018
I am trying to get a quote online for domestic travel cover but the system won’t let me enter a return date. Very frustrating. I will have to look at other companies
Finder
JoshuaApril 19, 2018Finder
Hi Pam,
Thanks for getting in touch with Finder.
We have a page that helps you find other travel insurers that may give you the necessary cover. Our guide will provide information and other important details about domestic travel insurance. You can use our online form to immediately get a quote from the many insurers we have listed on our page. Once you get a result, you can then use the filters to narrow down your choices. You can then click on the “Go to Site” green button to be redirected to your selected insurer’s website.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
BreannaJanuary 9, 2017
Hi I was wondering if I would be covered as a volunteer and if I ride a scooter?
Finder
RichardJanuary 10, 2017Finder
Hi Breanna,
Thanks for getting in touch.
Medibank is not currently part of the panel of insurance brands we compare, so you will need to contact Medibank directly about its cover conditions.
Is one covered if one has had stintz in ones heart 8 years ago
Finder
RichardMay 20, 2016Finder
Hi Robyn,
Thanks for your question. Pre-existing conditions are handled on a case-by-case basis. So, whether or not you’ll have cover will depend on your insurer and the severity of your condition.
I hope this was helpful,
Richard
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.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands 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. You can learn more about how we make money.
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 had a stent put in the heart. Am I eligible for travel insurance?
Hi Paul,
Thank you for reaching out to Finder.
Medibank does not list heart conditions as part of its insurance coverage. You may want to check our list of travel insurance for heart conditions to compare insurers who have coverage on heart conditions, including those who have stents.
Please make sure to read through the insurance policies prior to application to guarantee that your condition is covered.
Hope this helps! 😊
Kind Regards,
Mai
We are travelling to Hawaii next March. We are there for 4 weeks, in the middle of that we are on a cruise. Can we get one cover to cover land and cruise?
Hi Susan,
Thank you for leaving a question. All of Medibank’s international policies have cruise cover. Products may vary depend on product details stated on site.
Medibank Travel Insurance covers four regions:
Worldwide (USA, Canada, Hawaii, South America, Africa & others)
Europe, Asia, Middle East (Europe, Ireland, Asia, Middle East)
UK and South East Asia
Indonesia, New Zealand, South West Pacific and domestic cruises
You may want to click on Get Quote or more info for the detailed coverage of the plan.
Hope this helps
Cheers,
Val
I am trying to get a quote online for domestic travel cover but the system won’t let me enter a return date. Very frustrating. I will have to look at other companies
Hi Pam,
Thanks for getting in touch with Finder.
We have a page that helps you find other travel insurers that may give you the necessary cover. Our guide will provide information and other important details about domestic travel insurance. You can use our online form to immediately get a quote from the many insurers we have listed on our page. Once you get a result, you can then use the filters to narrow down your choices. You can then click on the “Go to Site” green button to be redirected to your selected insurer’s website.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
Hi I was wondering if I would be covered as a volunteer and if I ride a scooter?
Hi Breanna,
Thanks for getting in touch.
Medibank is not currently part of the panel of insurance brands we compare, so you will need to contact Medibank directly about its cover conditions.
You may find our guides to travel insurance for volunteers and motorcycle travel insurance helpful.
All the best,
Richard
Is one covered if one has had stintz in ones heart 8 years ago
Hi Robyn,
Thanks for your question. Pre-existing conditions are handled on a case-by-case basis. So, whether or not you’ll have cover will depend on your insurer and the severity of your condition.
I hope this was helpful,
Richard