Travel Insurance Direct

Travel Medical Insurance

Cover that is available for emergency medical expenses you incur on your trip overseas due to sudden illness or injury
Travel Alert: Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check for restrictions at your destination(s) as these may impact cover, or your ability to travel.

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 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.

Why should I get medical 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! 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!

What does travel insurance for medical emergencies offer cover for?

Cover is available for the reasonable 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 travel  insurance for medical emergencies?

  • Any medical or dental expenses incurred in Australia
  • Costs associated with any non-emergency medical treatment (i.e. plastic surgery, elective surgery)
  • MMedical 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 only for full terms, conditions, limitations, and exclusions read our policy wording

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.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

More information about medical travel insurance

Medical evacuation

Medical evacuation

When is a medical evacuation required?

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Emergency assistance required?

Emergency assistance required?

What to do if you need to go to hospital during your trip.

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Hospital costs around the world

Hospital costs around the world

Find out what admission to hospital around the world can cost you.

Find out more