International Travel Insurance

Medibank International Travel Insurance offers overseas hospital, accident, and medical evacuation expense cover. If you're travelling overseas, find the right fit with our options of International Comprehensive Plan and International Medical Only Plan.

International Comprehensive Travel Insurance

International Comprehensive Plan

Travel cover for overseas medical and dental emergencies, plus inclusions for unforeseen cancellations and lost/stolen valuables.

24-hour emergency assistance
21 day cooling off period¹
Overseas medical/dental expenses
COVID-19 benefits
Up to $25k luggage cover²
Rental car insurance excess
Cancellation & amendment fees³
Cover for missed connections⁴

View inclusions and annual limits

International Medical Only Travel Insurance

International Medical Only Plan

Our basic international travel insurance provides cover for Overseas Medical and Hospital Expenses that occur whilst you're travelling.

24-hour emergency assistance
21 day cooling off period¹
Overseas medical/dental expenses
COVID-19 benefits

Cover for luggage
Rental car insurance excess
Cancellation & amendment fees
Cover for missed connections

View inclusions and annual limits

International Annual Multi-Trip

Annual Multi Trip Plan includes the same benefits as International Comprehensive Plan for multiple trips (up to the duration specified) within 12 months.⁵

24-hour emergency assistance
21 day cooling off period¹
Overseas medical/dental expenses
COVID-19 benefits
Up to $25k luggage cover²
Rental car insurance excess
Cancellation & amendment fees³
Cover for missed connections⁴

Learn more about Annual Multi-Trip

All Medibank international travel covers include:

$Unlimited overseas medical expenses

Get support for medical emergencies whilst you're overseas. Cover is provided for the cost of hospital treatment and medical evacuation.⁷

COVID-19 cover

Cover for certain COVID-19 related scenarios, including overseas medical costs if you’re diagnosed with COVID-19 by a qualified medical practitioner while travelling.

Learn more about cover for COVID-19

Free cover for children

Any accompanying travellers under the age of 18 can be included on your policy for free.⁸

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice Awards in 2022 & 2023 and Mozo's People's Choice Award in 2024.

We're proud winners of Mozo's Experts Choice awards in 2022 and 2023.

If you'd prefer to chat through our overseas travel insurance options with a team member, give us a call on 134 190.

Both our international travel insurance policies give you $Unlimited medical expenses⁷ and return-to-home cover if something goes wrong⁹, plus our comprehensive plan also provides cover for a range of other surprises.

	ANNUAL LIMITS
Inclusion	International Comprehensive	International Medical Only
Overseas Medical and Hospital Expenses	✔ $Unlimited⁷	✔ $Unlimited⁷
COVID-19 Benefits	✔ As applicable⁶	✔ As applicable⁶
Additional Expenses	✔ $Unlimited¹⁰	✔ $Unlimited¹⁰
Cancellation & Amendment Fees	✔ $Unlimited³	✖ Excluded
Luggage and Personal Effects	✔ $25,000²	✖ Excluded
Rental Car Insurance Excess	✔ $10,000	✖ Excluded
Travel Delay Expenses	✔ $3,000¹¹	✖ Excluded
Hospital Cash Allowance	✔ $5,000¹¹	✖ Excluded
Loss of Income	✔ $10,000¹²	✖ Excluded
Permanent Disability	✔ $25,000¹²	✖ Excluded
Accidental Death	✔ $25,000¹²	✖ Excluded
Personal Liability	✔ $5,000,000	✔ $5,000,000

Additional cover options

For an additional premium, you can add cover for additional scenarios like snow sports activities, moped riding and multi-night sea or ocean cruises. And if you're travelling with valuables, you can also opt to increase your item limits for your luggage and personal effects.

Want extra luggage insurance for when you're travelling with high-value items?

If you're travelling with an item that is worth more than the limit shown in the PDS, then you can increase the item limit cover (on a per item basis) by specifying the item and paying an additional premium for the increased cover. Some examples of valuable items might include camera equipment, jewellery, watches and phones.

Refer to the PDS for full details of luggage cover, limits and exclusions.

Please note that the option to increase luggage item limits is not available on the International Medical Only Plan since this plan does not include any cover for luggage and personal effects.

Going on a multi-night sea or ocean cruise and need Cruise Cover?

If your trip includes travel on a multi-night sea or ocean cruise, then you'll need to add Cruise Cover to be insured for claims relating to a cancelled cruise, cruise travel, or certain claims that arise whilst on a cruise.

By adding Cruise Cover to your policy, you will also receive a range of additional cruise benefits such as cover for cabin confinement and sea sickness. A summary of additional cruise benefits including any COVID-19 related exclusions can be found in the PDS.

When getting a quote for a multi-night cruise which involves an international port, please choose the area or destination where you will spend the most time on your trip and then select "Yes" to Cruise Cover.

Learn more about cruise cover.

Please note: Cover for cancellation is not available on an International Medical Only Plan.

Need cover for snow activities like skiing, snowboarding and snowmobiling?

Cover for skiing, snowboarding or snowmobiling is not automatically included in your policy. If you wish to have cover for these snow activities during your trip, then you’ll need to purchase cover for snow sports.

Learn more about winter sports cover.

Conditions and exclusions apply to snow sports cover (e.g. you must not be participating in the activity in a professional capacity). See the PDS for full details.

Need motorcycle and moped cover for your travels?

If you're planning to use a motorcycle or a moped during your travels, then you'll need to select moped/motorcycle cover option to be able to claim for incidents related to driving or riding on a motorcyle/moped.

Learn more about moped and motorcycle cover.

Conditions and exclusions apply for motorcycle/moped cover (e.g. you must wear a helmet, the engine capacity must be 250cc or less). See the PDS for full details.

Select with quote

Emergency assistance whilst travelling

Every Medibank Travel Insurance policy comes with 24 hour emergency assistance.

Our team of experienced doctors, nurses, travel consultants and case managers are ready to help you 24 hours a day, 365 days a year. We can help if you need support finding appropriate medical treatment, if you need to organise medical evacuation, or if you require assistance replacing lost travel documents and credit cards.

Learn more about our 24/7 emergency assistance

FAQs

What does international travel insurance cover?

Generally speaking, most international travel insurance provides cover for some overseas medical expenses. More comprehensive international policies can also include cover for cancellation, delays, personal effects and more.

Medibank Travel Insurance has two single-trip policy options for international trips - Comprehensive and Medical Only. Both policy options offer cover for unlimited benefits on overseas medical expenses and repatriation, which includes COVID-19 benefits. On top of this, the Comprehensive policy option also provides benefits including cancellation costs, loss of luggage and personal effects, travel delay expenses, and rental car excess.

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

Is insurance mandatory for international travel?

What destination do I select when I'm buying international travel insurance?

When getting a quote with Medibank's Travel Insurance, you'll be asked to input a destination where you'll be spending the majority of your trip. You can select a single country (eg. Japan), or a region (eg. All of Asia).

However, if you'll be spending 20% or more of your trip in the Americas or Africa, you must select "Anywhere in the world" or "Worldwide including the Americas or Africa" or enter and select a country of the Americas or Africa (no matter where you are going before or after).

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Things you should know

¹ 21 day cooling off period applies if you cancel your policy within 21 days of purchase provided you have not made a claim or travelled on the policy.

² Item limits and sub-limits apply. See the Combined FSG/PDS for terms, conditions and more information.

³ Conditions and sub-limits apply. See the Combined FSG/PDS for more information.

⁴ Limits apply. See the Combined FSG/PDS for terms, conditions, exclusions and more information.

⁵ Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.

⁶ See the Combined FSG/PDS for the full details of what is and isn't covered. Limits, sub-limits, exclusions and conditions apply.

⁷ Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.

⁸ Cover is included for anyone under 18 years of age who is identified on the Certificate of Insurance and travelling with you on your Journey.

⁹ Subject to approval.

¹⁰ Limits and sub-limits apply. See the Combined FSG/PDS for more information.

¹¹ Sub-limits apply. See the Combined FSG/PDS for more information.

¹² Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $25,000 on the International Comprehensive Plan. Limits will be shown on the Certificate of Insurance.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

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Our international travel insurance options