Medical only travel insurance

Compare medical-only travel insurance

Use the Finder travel insurance engine to compare medical-only travel insurance. Pop in your trip details, click on the basic policies and you'll be able to compare medical-only options.

Who offers medical only travel insurance?

Some medical only policies, are also named "Basic". Different insurers include other benefits or differing amounts which why it pays to compare. Medical cover doesn't always include cover for accidental death or permanent disability.

Product AUFTI	Overseas medical expenses	Dental expenses	Luggage and belongings
Medibank International Medical Only Travel Insurance Bonus	Unlimited	$2,000		Get 15% off travel insurance for Medibank Private members.	Get quoteMore Info Compare	loading Fetching your data...
Zoom - Medical Only	Unlimited	$500		Get quoteMore Info Compare	loading Fetching your data...
Insure4less - Medical Only Travel Insurance	Unlimited	$500	No	Get quoteMore Info Compare	loading Fetching your data...
Tick Travel Insurance - Basic Single Trip Bonus	Unlimited	$500	$2,000	Get 10% off your travel premium. Sign up and use promo code Finder. T&Cs apply.	Get quoteMore Info Compare	loading Fetching your data...
Fast Cover Basics Travel Insurance Bonus	Unlimited	$500	Optional add-on	Get quoteMore Info Compare	loading Fetching your data...
Australia Post - International Basic	Unlimited	$2,000		Get quoteMore Info Compare	loading Fetching your data...

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What is medical travel insurance?

Medical travel insurance is the most basic form of travel insurance you can buy, meaning it's also typically the cheapest. It's designed to come in handy if you get sick or injured while you're overseas. International travel insurance with medical-only cover usually includes:

• 24/7 emergency medical assistance
• GP visits and medication
• Hospital expenses if you need to be admitted for an injury or illness
• Emergency evacuation and repatriation back to Australia due to a medical emergency
• Emergency dental treatment up to a set benefit limit (depending on the policy)
• Funeral costs (if you pass away as a result of your injury or illness)

Many basic travel insurance policies also include personal liability cover. This covers you if you injure another person or damage their belongings.

Medical exclusions you should note

All insurance policies contain exclusions. In the case of medical-only travel insurance, these can include:

Emergency medical assistance

• Any expenses you incur that have not been pre-approved by the Assistance Provider
• Failing to follow the medical advice of the Assistance Provider
• Any medical evacuation or transport of remains from Australia to another country
• Any medical or hospital expenses incurred in Australia.

Overseas medical and hospital expenses:

• Any expenses incurred in Australia
• Any expenses resulting from a pre-existing medical condition that is not covered in your policy
• Failing to notify your insurer or their Assistance Provider of your hospitalisation as soon as possible
• Failing to heed the advice of the insurer or their Assistance Provider
• Any treatment by a chiropractor, physiotherapist or dentist lasting more than two weeks that has not been approved by the insurer or their Assistance Provider
• Any medical care that is covered under a Reciprocal Health Care Agreement (RHCA)
• Any damage to dentures, prostheses, bridges or crowns (if applicable)
• Cosmetic dentistry or treatment involving precious metals (if applicable)

How much does medical-only travel insurance cost?

Medical-only travel insurance generally costs between $2.40 to just over $5 per day, depending on the travel insurer, your age, the destination and a few other factors. For context, we found a basic policy to cost between $34 and $50 for a 2 week trip to Bali. We got these quotes in August 2023.

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Best travel insurance FAQs

• Can I get travel insurance for just medical?

  A handful of travel insurers offer medical-only cover. This is the most basic (and cheapest) type of travel insurance you can get. It's designed to cover medical assistance overseas.

• What is the difference between medical only and comprehensive travel insurance?

  Medical-only travel insurance, as the name implies, only covers overseas medical expenses. Comprehensive travel insurance covers costs associated with cancellations, lost luggage, delayed luggage, COVID-related expenses and more.

• Which travel insurance covers medical evacuation?

  Most medical-only travel insurance policies cover evacuations due to a medical emergency. For example, if you need to be evacuated or repatriated back to Australia to receive adequate medical care.

Written by

Gary Ross Hunter

Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise

Gary Ross has written 644 Finder guides across topics including:

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