Our travel insurance is designed for the leisure traveller and typically does not cover events linked to employment overseas. 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.

You can get a quote and buy travel insurance online now, call us on 134 190 or visit one of our Medibank stores where one of our customer consultants will be pleased to assist you.

Yes, you will receive a 15% discount off travel insurance premiums

If you purchase a Medibank Travel Insurance policy on or after the 9th of December 2020, you will now receive additional COVID-19 insurance benefits such as:

Overseas Medical Expenses

If you purchased an international travel policy to New Zealand your policy will cover overseas medical expenses if you’re hospitalised due to contracting COVID-19 whilst in New Zealand. This cover includes costs resulting from any medical treatment and ambulance transportation you require when suffering from COVID-19.

If you purchased an international travel policy to any other international destination your policy will cover overseas medical expenses as above if the country or area you travelled to is NOT subject to “Do not travel” advice on the Australian Government smartraveller website at the time you entered the area or country

Pre-Trip Cancellation Expenses

We can now provide cover for a number of COVID-19 trip cancellation and amendment costs such as if:

• You are diagnosed by a qualified medical practitioner with COVID-19 and can no longer travel
• You are directed by local public health authority into a period of quarantine because they have classified you as having contact with a person diagnosed with COVID-19 and you can no longer travel
• You need to amend or cancel your trip because your relative or business partner in Australia or New Zealand is diagnosed with COVID-19 by a qualified medical practitioner and the level of infection is life-threatening
• The accommodation you planned to stay at is shut down or closed because of a COVID-19 outbreak on the premises and hygiene measures are required

For further information on our COVID-19 travel insurance benefits, please refer to our Medibank Travel Insurance COVID-19 benefits page and our Product Disclosure Statement

We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise the standard of practice and service in the general insurance industry.

If you are dissatisfied with our service in any way, contact us and we will attempt to resolve the matter in accordance with our Internal Dispute Resolution procedures.

A dispute can also be referred to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms.

No, you will not be covered for claims related to COVID-19 if you purchased your policy between 21 March and 8 December 2020.

Our policies come with the condition that you are not aware of any circumstance which is likely to cause a claim under your policy.

As the Australian Government announced a travel ban from 21 March 2020 and effectively closed its borders, we consider that by this date the COVID-19 pandemic was a known event worldwide, regardless of where you were travelling to. Therefore, policies purchased between 21 March and 8 December 2020 will not cover claims related to COVID-19.

If you purchased an international travel policy prior to 23 January 2020 your policy will cover overseas medical expenses if you’re hospitalised due to contracting COVID-19 whilst overseas.

You will also have cover for additional expenses and trip cancellation expenses on domestic and international comprehensive policies if your travel plans have been impacted by the pandemic and the Australian Government’s ‘Do Not Travel Advice’.

If you do have to cancel your trip, please contact your travel provider in the first instance as many major airlines, hotels and tour companies have recently changed their cancellation policies and are providing travel credit or full refunds.

If your travel provider is not providing travel credits or refunds, you should refer to your Product Disclosure Statement to check your level of cover and see if your policy covers the non-refundable costs associated with your travel plans.

Unfortunately, you will not be covered for cancellation costs if you have a Medical Only Plan. 

The COVID-19 pandemic was present and known in certain countries during this period. Therefore, our claims team will consider DFAT (Department of Foreign Affairs and Trade) travel advice in place at the relevant time and travel destination in order to assess coverage under your policy. 

You may be eligible for a credit note or refund on your policy if ALL the following apply to you:

• You have a domestic or international single-trip policy and your trip's been affected by the COVID-19 pandemic
• Your departure date (shown on your Certificate of Insurance) is between 24 March to 17 March 2021
• You never left for your trip
• You haven’t made a claim, and you won’t make one for this policy in the future.
   

If ALL of the above apply, you are yet to cancel your policy and would like a credit note: 

Contact us at  redeem@travelinsurancepartners.com.au so we can assess your eligibility and organise this for you. 

Credit is for 100% of the value of the policy and valid for two (2) years from the original date of departure.

If you choose a Credit Note and you change your mind at a later date, you are still eligible to receive a full cash refund and the Credit Note will be considered void. Please note that Credit Notes will be valid for two (2) years from the original date of departure. 
 

If you would prefer to apply for a refund, please complete our online form and confirm your details so we can assess your eligibility.

Request a refund

Applying for a credit note or refund will cancel your policy and as a result no future claims can be made on the policy. 

Customers who have already received a partial refund may be eligible for a top-up refund if the above criteria are also met. For these refunds, you do not need to do anything. We will facilitate this on your behalf.

If you’d like to speak to one of our customer service team about a possible Travel Insurance refund or would like a refund on an Annual Multi-Trip policy, please give us a call on 1300 362 544.

Once you've requested your credit note or refund, we'll assess your eligibility and process it as soon as we can (usually within 3 weeks). The refund will be sent to the same card you used to pay for your policy.

If there are any issues with processing your refund, we'll contact you.

If your claim relates to a medical condition(s), you need to have your regular doctor in Australia complete this section of the form.

If you decide to extend your journey and wish to be insured for longer than the original period, you will need to purchase a new policy through us prior to the expiry date shown on your original Certificate of Insurance.

Note: It is a new policy, not an extension of your previous policy. Should a medical condition first present itself prior to the time of issue of the new policy, it may be considered an Existing Medical Condition under the new policy and therefore may not be covered by the new policy.

If you have an emergency whilst travelling, contact Emergency Assistance immediately on +61 (2) 8907 5672 or one of the following numbers and our team will be able to help you deal with your emergency.

• New Zealand - 0800 284 346
• UK - 0800 096 8821
• USA - 1 855 802 3392
• Canada - 1 855 802 3392

You can call the 24 hour hotline from anywhere around the world, 24 hours a day, 7 days a week. For easy reference, the phone number and your policy number can be entered on your Emergency Assistance Card and kept in your wallet.

If you have a medical problem whilst overseas, contact the 24hour Emergency Assistance team immediately on +61 (2) 8907 5672 or one of the following numbers and our team will be able to help you deal with your emergency.

• New Zealand - 0800 284 346
• UK - 0800 096 8821
• USA - 1 855 802 3392
• Canada - 1 855 802 3392

You can call the 24 hour hotline from anywhere around the world, 24 hours a day, 7 days a week. For easy reference, the phone number and your policy number can be entered on your Emergency Assistance Card and kept in your wallet.

Medibank Travel Insurance entitles you to medical assistance and cover for the costs of treatment whilst overseas subject to policy conditions. Refer to the Product Disclosure Statement for details.

After you purchase a travel insurance policy online, you will immediately receive confirmation with a Certificate of Insurance - so you are covered right away.

Our overseas travel plans allow you to choose your excess. The higher the excess you choose, the lower the premium you pay.

You can choose from:

• $Nil excess
• $100 excess
• $250 excess

Your excess will be shown on Your Certificate of Insurance. Our Domestic Plans have a standard $50 excess.

No, our policies must be taken out 'pre-travel' and provide cover from when you leave your home until you get back to Australia.

For policy extensions please refer to the FAQ “Can I extend my travel insurance if I am still overseas” below.

Select the country in which you will spend the most time. It is compulsory to select the Americas or Africa if more than 20% of your time is spent in the Americas or Africa.

Yes. Our intention is to cover as many people as possible. However policy prices may increase in line with your age and cover may be subject to medical assessment and trip duration limits.

Medibank Travel Insurance policies do not cover medical costs incurred within Australia because this is not permitted by law and you are already entitled to treatment under Medicare and/or your private healthcare entitlement.

Yes, but you must take all reasonable precautions to protect your luggage, which means ensuring that you do not leave it unsupervised and taking all necessary steps to avoid any loss or damage.

Note that the loss or theft of luggage, personal effects, travel documents or money must be reported within 24 hours to the police and a responsible transport provider if your items are lost or stolen whilst travelling with a Transport Provider. A written report must be obtained at the time.

Other terms and conditions and exclusions may also apply.

For more information, please refer to the Product Disclosure Statement.

If you are taking out a policy, you can check if you have a pre-existing medical condition without the need to visit your doctor or supply a medical report - simply read through the ‘Existing Medical Conditions' section in the Product Disclosure Statement or conduct a self-assessment as part of the online application process.

There are three categories of medical conditions:

• conditions we automatically include cover for.
• conditions which cannot be covered.
• conditions we need to assess.

Please review each of these categories to determine which category applies to you. You can view the Product Disclosure Statement to find a full definition of 'Existing Medical Conditions' and what we automatically cover.

Note: If you have an existing condition that does not fit the criteria under “Existing Medical Conditions we automatically include” and you do not apply for and purchase the appropriate cover, we will not pay any claim arising from, relating to, or associated with, your condition.