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Travel Insurance Direct

Medical coverage and travel insurance

Cover that is available for emergency medical expenses you incur on your trip overseas due to sudden illness or injury

What is travel medical insurance?

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 PDS carefully to note any exclusions or limitations. One important thing to note is travel insurance does not cover you going abroad to seek medical treatment for an existing condition or elective surgeries. The cover available is for things that may happen to you while you are travelling.

Why should I consider travel insurance?

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.

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.

What does the Overseas medical expenses section
offer cover for?

Cover is available for the reasonable and necessary cost of:

  • Emergency medical treatment
  • Hospital expenses
  • Road ambulance
  • Emergency dental treatment
  • Other treatment you actually and necessarily receive overseas during the trip because you suffer a sudden illness or serious injury

What's not covered by the Overseas medical expenses section?

  • Any medical or dental expenses incurred in Australia
  • Costs associated with any non-emergency medical treatment (i.e. plastic surgery, elective surgery)
  • Medical expenses that can be covered under a reciprocal healthcare agreement Australia has with another country
  • Private health treatment you received when a public option was available for your condition
  • Any expenses arising from an existing condition not covered by the policy

What medical scenarios are covered with travel insurance?

Here are some benefits included in your policy if you have a medical emergency while travelling

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Need a medical escort home?

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.

See all Cover
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Travel insurance for medical emergencies FAQs

Am I covered for Coronavirus (COVID-19)?

All international plans include cover for overseas medical expenses. Depending on the plan you choose, there may also be cover available for some other Coronavirus related events. Cover is explained in detail here

If I become sick overseas during my trip, what should I do?

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.

I’m going overseas for medical treatment, does the policy cover me?

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.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.