Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Cover the thing that is most important on your trip – you.
Medical travel insurance protects for emergency expenses you incur on your overseas trip for accidental injury or unforeseen illness.
If you didn’t know already, needing medical attention overseas is very expensive! A 14 day stay in hospital can easily cost $50,000. If you don’t have that sort of cash lying around (and let’s be honest most of us don’t) it’s really is a no-brainer to get medical travel insurance for your trip.
We know every trip is different. If you’re backpacking on a budget and don’t want to pay for all the bells and whistles, but still want the peace of mind that you’re covered in the event of an emergency – a medical policy might be just the ticket.
Of course, if your trip is all about luxury and Louis Vuitton you may well want to consider some sort of personal belonging protection. Or if you’ve just put down a hefty deposit on a round-the-world cruise, you’ll probably want some sort of cover for your pre-paid expenses. But really it’s down to your trip type to figure out if you need the extra cover.
24/7 emergency assistance: Get access to trained specialists, nurses, and doctors around the world. Help is just a phone call away 24 hours a day, 7 days a week.
Emergency evacuation: Should you need, you'll get helicopter evaculation or air ambulance to get to a hospital fast.
Your treatment: Hospital stays, specialist doctors, nurses, surgery, tests, scans- you name it. All your hospital expenses are covered.
Emergency dental: To your natural teeth, if you break a tooth on holiday or suffer an infection on your trip.
Travel expenses: Including additional accommodation for your travelling companions and family members whilst you are sick overseas. As well as cover for transport expenses for your companions if you need to be moved to a different location/hospital.
Cover for family members: If you’re not in a good way, most travel insurance policies will pay to get your nearest and dearest flown to be by your side.
Repatriation: Cover for the cost to bring you back to your home once you are fit to travel again, or returning your remains if you die overseas.
A funeral or cremation: The cost of either a funeral or creation if you die as a result of injury or illness on your holiday.
|Insurer||Underwriter||Policy Name||Medical||Personal Liability||Buy Now|
|1Cover||Certain underwriters at LLoyd's||Medical Only||Unlimited||$5 Million|
|American Express||Chubb Insurance Australia Limited||International Basic||Unlimited||$1 Million|
|Budget Direct||Auto & General Services Pty Ltd||Last Minute||Unlimited||$1 Million|
|Downunder||Certain underwriters at LLoyd's||Backpacker||Unlimited||$2 Million|
|Fast Cover||Hollard Insurance Company Pty Ltd||Basics||Unlimited||$1 Million|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||Bare essentials||Unlimited||$1.5 Million|
|itrek||Certain underwriters at LLoyd's||Medical Only||$5 Million||$1 Million|
|Online Travel Insurance||Allianz Australia Insurance Limited||Basic||Unlimited||$1 Million|
|Simply Travel Insurance||Certain underwriters at LLoyd's||Budget||Unlimited||$5 Million|
|Tick||Mitsui Sumitomo Insurance Company Limited||Basic||Unlimited||$1 Million|
|Travel Insuranz||Berkshire Hathaway Speciality Insurance||Classic||Unlimited||$2.5 Million|
|Travel Insurance Saver||Pacific International Insurance||Essentials||Unlimited||$1 Million|
|Worldcare||Allianz Australia Insurance Limited||Basic||Unlimited||$2.5 Million|
|Webjet||Zurich Australian Insurance Limited||Basic||Unlimited||$2.5 Million|
|Zoom Travel Insurance||Certain underwriters at LLoyd's||Medical Only||Unlimited||$2.5 Million|
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.