Travel Insurance for the UK

Yes, working holidays are automatically included in Medibank Travel Insurance policies. However, in most circumstances, if you suffer an injury on the job, you may be entitled to seek compensation from your employer.

Yes, you can buy a Medibank Travel Insurance policy after you’ve already left home (or if your current travel insurance policy has expired). However, this will be subject to a 3 day no-cover period. This means there is no cover under any section of the policy for any event that has occurred already or that arises within the first three days of buying your new policy.

Please read the combined PDS/FSG for further information on coverage and exclusions.

Medibank Travel Insurance allows you to travel to multiple destinations within the chosen region or policy type. If you select “Europe” as your travel region, both the UK and Schengen countries (e.g. France, Germany, Spain) are included.

You will need to choose the country where you will spend the most amount of time on your trip.  If you are travelling to multiple countries through Europe and UK, you can select “All of Europe” when quoting and this will offer cover throughout Europe and the UK.

If you are planning to include the America’s/Africa on your itinerary, the 20% rule applies.  If you are spending more than 20% of your itinerary in the Americas/Africa, you must nominate “Anywhere in the World” when obtaining a quote.  This will offer cover for all your travel destinations.

Australia and the UK have a Reciprocal Health Care Agreement (RHCA) which allows Australians to access medically necessary care under the NHS during short visits. However, this agreement may not cover any dental services, prescription medicines if you're not an NHS patient, non-subsidised medicine from pharmacies and medical evacuation.

If you are staying for more than 6 months, you may pay a surcharge when applying for your visa. Check for any updates on Smartraveller.

If you take multiple trips throughout the year, Medibank’s Annual Multi-Trip policy can be a more affordable option, rather than buying travel insurance for every trip. It provides cover for unlimited trips within a 12-month period, with each trip capped at a selected maximum duration (e.g. 30, 45, or 60 days).⁷

Learn more about Annual Multi-trip Travel Insurance.

If you are travelling and want to extend your insurance, you will need to purchase a new policy. You can do this by calling 1300 362 544 (within Australia) or +61 2 8907 5020 (from overseas) or emailing medibank@travelinsurancepartners.com.au prior to the expiry date. It is not an extension of the previous policy and will be issued as a 'new' policy. Keep in mind the maximum duration of a policy is 12 months. 

If you are unable to return home due to unforseeable circumstances, outside of your control your insurance is automatically extended. You can find out more, in the PDS.