Travel Insurance for Europe

According to Smartraveller, it is important to consider travel insurance for overseas medical costs, as the Australian Government won’t pay for these costs. If you don't have travel insurance, you may have to pay for medical expenses upfront which can be costly.

It is also important to consider the activities you are taking part in, the countries you’re going to and any risks or warnings that are posted on Smartraveller and Medibank Travel Alert. 

You can be covered for up to 12 months, without listing specific countries in Europe you will be in. You could choose 'All of Europe' as your destination or select a country taking into consideration of the 20% rule.

If you'll also be visiting the Americas and spending more than 20% of your time there, you must select ‘Anywhere in the world’ or ‘worldwide including the Americas or Africa,’ or select a country of the Americas or Africa when getting your quote.

A Medibank Travel Insurance International Comprehensive Travel Insurance Plan includes $25,000 cover for luggage and personal effects. Item limits apply for things like phones, jewellery, laptops & more, so be sure to read the PDS which lists out these item limits clearly.

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 for an additional premium. You can increase the item limit during the quote process or request a quote by contacting us on 134 190. 

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 European trip, then you’ll need to purchase cover for snow sports. This can be added during the quote process. Or if you need help organising snow cover, you can contact us on 1300 480 082. Please read the combined PDS/FSG for further information on coverage and exclusions.

A Medibank International Comprehensive Plan includes rental car insurance excess of up to $10,000. You can also be covered for additional expenses, such as delivering your rental car to a depot if you are injured or unable to.

If the rental car is damaged or stolen, you can be covered for the lower of the rental car insurance excess or the repair costs that you become liable to pay.

This Rental Car Insurance Excess cover applies if you:

• Hire a rental car
• Are the nominated driver on the rental car agreement
• Have comprehensive motor vehicle insurance for the rental car for the hire period.

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

Medibank Travel Insurance plans have activities automatically included in your cover. This includes:

• abseiling
• archery
• ballooning
• bungy jumping
• flying fox
• horse riding
• jet boating
• jet skiing
• kayaking
• paragliding
• parasailing
• snorkelling
• surfing
• trekking
• white water rafting.

If you are participating in these activities, they are still subject to ordinary exclusions and personal liability exclusions that you can find in the PDS.

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

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.

Natural Disaster refers to a major adverse event resulting from natural processes of the Earth, such as bushfire, hurricane, tornado, volcanic eruption, earthquake, tsunami, and in general any extraordinary atmospheric, meteorological, seismic, or geological phenomenon. It does not mean an Epidemic or Pandemic. 

When it comes to buying travel insurance, timing is important. If you buy your policy after the risk has been announced, travel cancellations and delays will not be covered for your trip. But if you purchase your travel insurance before the risk is announced, you can contact us to discuss your available options. Before booking your holiday, you can check Smartraveller and travel alerts for any Europe travel warnings.

Medibank Comprehensive International Travel Insurance will cover some costs associated with a natural disaster. This includes:

• Reasonable additional accommodation expenses
• Additional transport expenses.

If you are a Medibank Travel Insurance customer and are affected by a natural disaster while travelling, you can call 24/7 Emergency Assistance for support.