Travel Insurance COVID Cover

No, our COVID-19 benefits are in-built into every Medibank Travel Insurance policy. This means you do not need to add additional COVID-19 benefits cover when purchasing a policy. 

However, don't forget that if you are travelling on a multi-night ocean or sea cruise then you will need to make sure you have purchased Cruise Cover to be eligible to make any claims that are in any way related to cruise travel (this includes COVID-19 related cruise claims). 

Not every policy has the same level of covid cover, so it's important to carefully read the PDS to understand any limits, sub-limits, conditions and exclusions that apply to COVID-19 benefits. 

If you’re diagnosed with COVID-19 by a qualified medical practitioner and they confirm that you are unfit to travel, you may be able to claim the non-refundable cancellation costs. 

Cover details: 

• Domestic Plan: Cancellation and amendment benefit limit $5,000.
• International Comprehensive Plan: Cancellation and amendment benefit limit $10,000.
• International Medical Plan: No cover for cancellation and amendment costs.

Cover conditions:

• Subject to evidence of your positive COVID-19 diagnosis as diagnosed by a qualified medical practitioner who certifies you are not fit to travel. 
• There is no cover if symptoms or diagnosis occurred prior to buying your policy.
• Pre-booked sea and ocean cruises are included provided you added Cruise Cover to your policy.

Unfortunately, no cover is provided if you are deemed to be a close contact and must isolate and can therefore no longer go on your trip. 

Unfortunately, no. If you booked your trip to a destination deemed safe to travel by the Australian Government and purchased Medibank Travel insurance, but prior to travelling that destination is now under a ‘Do not travel’ warning on smartraveller.gov.au, you may need to cancel your trip due to the risks of travel. There is no cancellation cover when cancelling your trip due to COVID-19 related travel warnings, regardless of the warning level.

Cover conditions:

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. However, for trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a qualified medical practitioner).
• No costs or expenses are covered if a quarantine or isolation order is placed on you by a government or public health authority.

Yes, there are no limitations on getting an insurance policy with Medibank due to vaccination status.

If you suspect you have COVID-19 you should call the Medibank 24/7 emergency assistance line. They'll be able to give you advice on what you need to do in order to make a claim against your policy. This can include how and where find a qualified medical practitioner to confirm a COVID-19 diagnosis. 

Learn more about our 24/7 emergency assistance.

If you get sick on your journey and need to extend your stay because a qualified medical practitioner certifies that you're unfit to travel as a result of COVID-19, then you'll be able to claim up to $5,000 of additional accommodation and transport expenses. 

If you are hospitalised as a result of COVID-19 then $10,000 of additional expense cover applies to Domestic Plans and $Unlimited additional expense cover applies to International Comprehensive and Medical Only Plans to help cover the cost of additional accomodation and transport as a result of extending your stay.

Please note, there is no cover for this event if your COVID-19 diagnosis requires you to enter a period of cabin confinement while on board the cruise ship, even if your policy includes Cruise Cover.

Cover conditions:

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. However, for trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a qualified medical practitioner).
• No costs or expenses are covered if a quarantine or isolation order is placed on you by a government or public health authority.
• Other expenses you may incur (such as food, drinks, groceries, laundry etc.) are not included.

Terms conditions and exclusions apply, for full details, make sure you check out the PDS.

Yes, on the International Comprehensive and International Medical Only plans, cover is available if you’re diagnosed with COVID-19 by a qualified medical practitioner and require medical treatment overseas.

Non-cruise travel: Yes, cover is available.

Cruise travel:  Yes, cover is available for overseas emergency medical expenses and ship-to-shore expenses if Cruise Cover is added to your policy.

There is no cover for medical expenses on the Domestic plan.

Cover conditions:

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. 
• For trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• Cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a qualified medical practitioner).

Yes, you will need a qualified medical practitioner to diagnose you with COVID-19 and certify that you are unfit for travel. A positive test result will not be sufficient proof to make a claim.