One of the things that is risky to travel without, is insurance for emergency medical expenses incurred during your trip overseas. Medical travel insurance provides cover for things like sudden illness or serious injury you suffer whilst overseas on your trip. There are limitations to the cover offered, so please make sure you read the policy wording carefully to note any exclusions or limitations. One important thing to note is medical travel insurance is not cover for going abroad to seek medical treatment for an existing condition or international surgeries. It is cover available for things that may happen to you while you are travelling.
Medical expenses are amongst the most claimed upon expenses with travel insurers. Depending on what part of the world you're in, a simple trip to a doctor or emergency room can cost you thousands of dollars! Whilst treatment for a broken arm might not cost you anything out of pocket in Australia, it could cost you $10,000 in America.
Keep in mind when you’re a tourist traveling to any country in the world – doctors and hospitals will want payment for treatment - not all countries have Medicare!
Here are some benefits included in your policy if you have a medical emergency while travelling
Compensation for unforeseen medical expenses incurred whilst on an overseas holiday
Cover back to Australia if a medical practitioner requires you to be medically escorted home due to a sudden illness or injury that happens on your trip.
Where possible you should first contact our 24/7 Emergency Assistance team. Our team, which includes nurses and doctors on staff, will help determine the best course of treatment. They’ll even find the best medical facility in your vicinity and organise care.
No, travel insurance is designed to cover you for unforeseen medical expenses you incur as a result of a sudden illness or serious injury. If you travel overseas with the purpose of seeking pre planned medical treatment, any expenses arising as a result of that medical treatment are not covered.
Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.
We have two International plans to select from with different levels of cover.
Our most popular & comprehensive travel insurance plan - think first class without the price tag.