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Have the time of your life, without leaving the country

When you’re on your Aussie adventure, it’s nice to know you’ll be looked after if the unexpected happens, including stuff that isn’t covered by Medicare or your medical policy. With Medibank Domestic Travel Insurance, you’re covered for a range of surprises.

Cancellations and amendment

Cancellation cover for accommodation and other prepaid travel expenses, cancelled due to unforeseen circumstances.

Children covered free

Accompanied children or grandchildren under 21 are covered for free.

Rental car excess

Insurance excess if you have an accident in a rental vehicle.

24/7 Assistance

Help with lost or stolen luggage, cancellations, and other issues.

What am I covered for in Australia?

Even within Aussie shores, luggage can go missing, flights can get cancelled, and rental car fenders can get bent. With Medibank Domestic Travel Insurance, you’ll be covered for the below situations, and more.

Inclusion description Amount
Cancellation and Amendment Fees
Unlimited cancellation and amendment fees when your travel arrangements change for reasons outside of your control.
Additional Expenses
Inclusions for specific additional circumstances, including accommodation and transport expenses if you get sick and cant complete your journey.
Luggage and Personal Effects
Generous inclusions for luggage and personal effects with only $50 excess, so you're covered if anything is lost or stolen while you're exploring Australia.

Rental Car Insurance Excess 
Hire car insurance excess up to $3,000.
Travel Delay Expenses
Cover for out-of-pocket expenses resulting from delays outside of your control.

Loss of Income
In some cases, where you’re injured during your trip and unable to work, we’ll help for up to 6 months while you’re getting back on your feet.
Permanent Disability
If you have an accident that permanently affects your sight or the use of your limbs, we may be able to offer financial assistance.
Accidental Death
Money towards funeral expenses and other costs.
Personal Liability
Depending on the circumstances, we’ll help with compensation payments for damage you cause to property or people.
Going on a cruise

Going on a cruise?

Cruises are a great way to see the world. With Medibank International Travel Insurance, you'll be covered for medical attention and air ambulance evacuation on the ship.

If you’re planning on sailing the open seas, having travel insurance will give you peace of mind so you can sit back, relax and enjoy the salt water spray.

We’ve got your questions covered

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.

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

Download PDS

Yes, you can purchase our travel insurance that will cover you 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 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.
  4. 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 17.

    Download PDS

Select the Area which you will spend the most time in. The following areas apply to the single and annual multi-trip policies

Single trip

  • Area 1 – Worldwide including Americas/Africa (it is compulsory to select this option if more than 20% of Your time is spent in the Americas or Africa)
  • Area 2 – Europe, Asia and the Middle East
  • Area 3 – UK and South East Asia
  • Area 4 – Indonesia, South West Pacific and NZ
  • Area 5 – Australia

Note: For domestic cruising, please choose Area 4.

Annual Multi-trip

  • Area 1 – Worldwide including Americas/Africa (it is compulsory to select this option if more than 20% of Your time is spent in the Americas or Africa)
  • Area 2 – Worldwide excluding the Americas and Africa
  • Area 5 – Australia

When you buy a worldwide travel insurance policy you are automatically covered for travel anywhere in the world.

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

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.

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.

A safe trip is a good trip

Read important safety warnings, vaccination advice and travel tips to help make the most of your time away

Things you should know

1 - Cover is included for your children or grandchildren identified on the Certificate of Insurance and travelling with you on your Journey is included in the policy provided they are not in full time employment and they are under 21 years of age.

4 - Item limits apply. See page 11 of Combined FSG/PDS for more information.

5 - Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $10,000 on the Domestic Plan and $25,000 on the International Comprehensive Plan. Reduced limits may apply for customers 70 years or over. Limits will be shown on the Certificate of Insurance.

9 - 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

10 - Please refer to page 39 of Combined FSG/PDS for more information.

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 issues the insurance on behalf of the insurer. The issuer is Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please review your own needs and consider the Combined FSG/PDS available from Medibank stores or to decide if this product is right for you.