Travel insurance without medical cover
You can only get domestic travel insurance without medical cover. All international policies cover medical, cancellations and more.
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You can't get international travel insurance without medical cover. But there are lots of cheap policies that include medical, cancellations and more. Compare quotes to find out for yourself.
Travel insurance is like any form of insurance; the insurer will only pay when costs are not redeemable from any other source. So, there are instances where you won’t be covered by travel insurance and must seek compensation from the carrier instead. But compensation varies with each carrier and is usually at their discretion.
As can be seen, the extent of a carrier’s liability depends on the circumstances and any compensation is largely at their discretion, so foregoing travel insurance in the hope of being reimbursed by your carrier for any mishaps would probably not be the wisest move.
Relying on your carrier for insurance is not a great idea and neither is assuming that because you are travelling to a country with a Reciprocal Health Care Agreement (RHCA) with Australia that you don’t need travel insurance with medical and hospital cover.
And that’s because, while RHCA countries will provide Australian travellers with subsidised health care similar to Medicare, they each offer different levels of cover and some medical costs are not covered at all, including:
Australia has Reciprocal Health Care Agreements with 11 countries, so if you are travelling to one of them, be sure to have travel insurance that includes adequate medical and hospital cover.
Find out more about the Reciprocal Health Care Agreement
The best travel insurance policies are different for each individual traveller.
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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.
Beware when swimming at Byron, Ballina, Bondi and Bells.
Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
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Compare Westpac Travel Insurance, see features, and more.
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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.