Medibank Travel Insurance provides cover for when the unexpected happens, whether that's a medical situation overseas, lost luggage, travel delays or theft.

When you buy a policy, you're provided with a 24 hour worldwide hotline that you can call for emergency assistance from anywhere around the world, 24 hours a day, 7 days a week, 365 days a year.

Existing Medical Condition means a disease, illness, medical or dental condition or physical defect that at the Relevant Time meets any one of the following:

1. has required an emergency department visit, hospitalisation or day surgery procedure within the last two years;
2. requires:
   1. prescription medication from a qualified medical practitioner or dentist;
   2. regular review or check-ups;
   3. ongoing medication for treatment or risk factor control;
   4. consultation with a specialist;
3. has:
   1. been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;
   2. required surgery involving the abdomen, back, joints or spine;
   3. shown symptoms or signs however, a medical opinion or investigation has not been sought to confirm or provide a diagnosis; or
4. is:
   1. chronic or ongoing (whether chronic or otherwise) and medically documented;
   2. under investigation;
   3. pending diagnosis; or
   4. pending test results.

‘Relevant Time’ in respect of:

1. Single Trip policies means the time of issue of the policy.
2. Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

If You are unsure whether You have an Existing Medical Condition, please call 132 331 for assistance.

There are three categories of medical conditions:

1. conditions we automatically include.
2. conditions which cannot be covered.
3. conditions we need to assess.

Please review each of these categories to determine which category applies to you.

You can view or download the Product Disclosure Statement to find a full definition of a 'Pre-existing Medical Conditions' on page 15

Can I get travel insurance that covers my pregnancy?

Yes, you can purchase our travel insurance that will provide you with cover for up to your 26th week of pregnancy. However, please note the following important points:

1.     If you are aware of the pregnancy at the time of issue of the policy, an online medical assessment must be completed if either of the following apply:

·       there have been complications with this or any previous pregnancy;

·       you are having a multiple pregnancy (e.g. twins or triplets); or

·       the conception was medically assisted (including hormone therapies and IVF).

You can complete an assessment by either visiting your nearest Medibank store, online at medibank.com.au/travel or by calling 134 190.

2.     Cover is only provided for unexpected serious pregnancy complications which occur before the

26th week of pregnancy.

3.     No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.

Expectant mothers should therefore consider whether they travel and buy this policy, particularly if travelling beyond the 20th week of pregnancy.

You can view or download the Product Disclosure Statement to find full Details regarding pregnancy on page 21.

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.

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.