Medibank Travel Insurance

They tripled the price for my 2nd extension of my policy with no reason give. Except saying ‘the prices vary from day to day’! I believe it’s discrimination against ADHD and Anxiety disorders. I fully disclosed my pre-existing condition when first… Read more

purchasing this policy and was already paying double for that. So to then triple the price is possibly illegal. I will be finding out.

The Good, the Bad and the Ugly ... we took out this insurance many times but for the first time had to make use of it for a broken ankle overseas. The Good: First call to provider was promptly answered, there were follow-up calls/emails by the team,… Read more

and hospital stay, operation etc. were eventually fully covered. The Bad: Right from the outset there was a sceptical/warning undertone from the lady who answered the call that there might be a chance that medical cost would not be covered - not reassuring when someone is in hospital with a leg broken in three places ! Confirmation of cost coverage came through a week after discharge from hospital, two weeks after the accident ! It is known that they need to obtain medical reports, having them translated, assessed etc. but 2 weeks ? Not reassuring either being held in limbo whether one has to face costs if case had not been approved. Also, no help was provided for extra travel arrangements. It was solely up to us to contact airlines, airports etc to organise wheelchair transport and seating arrangements. The Ugly: we were offered to lodge an extra claim for additional expenses (medication, extra travel arrangements etc.). Since then we've been given nothing but a run around. Every communication sent takes 2-3 weeks to be answered, by a different case worker and with a request for additional documents, many of them that were already submitted when making the claim. Is there no standard procedure or structure involved ? Why not ask for ALL required documents right at the start of the claim ? Why this piecemeal request of documentation ? The whole comedy is going on for more than 2 moths now, and no end in sight. One is left asking whether it's lack of knowledge or skills or just a nefarious delaying tactic to make claimants give up or eventually settle with a lesser amount than entitled to. Definitely not recommending this insurance!

We took out travel insurance for your mother-in-law. She ended up in hospital for 10 days that cost us an absolute fortune. They would not reimburse us with anything. I would personally boycott them. Never use them again. Show details

Having had issues before with Insure and Go we decided this time to switch provider and so pleased we did. We went to North America and I lost my medication in the snow. Unlike other insurers who will not answer upfront if I was eligible for a claim for this type of incident but make you jump through hoops first and lodge a claim. Here Medibank… Read more ·  1

were immediately upfront and said it was worth lodging a claim. We provided the necessary documentation such as flight tickets, med certificate and letter from a foreign doctor and receipts from chemist. Within under a week Medibank reimbursed us for this. This has given me confidence to know that unlike other insurers who we have used in the past they did not look under every stone to deny out claim. They were indeed upfront with the process, thank you Medibank.

Pleased with the outcome of our claim – We have used Medibank Travel Insurance several times now for both annual multi trip cover and single trips. We have only ever needed to make a claim once, and it was resolved successfully. We chose Medibank as they were the best we found to cover our declared pre-existing medical conditions (albeit at an additional premium).  We sadly had to… Read more ·  1

cancel an Alaska trip (inc. cruise) at the last minute, due to a medical incident associated with a declared pre-existing condition. Due to the very late notice of our cancellation, our cruise incurred a loss of 100 % of the total cost paid and there were other costs associated with flights and accommodations which were only partially refundable.

We submitted an insurance claim for these hefty cancellation costs. The claim process took 4 months and required a significant amount of supporting medical paperwork with several requests to re-supply information already supplied (hampered by not having a consistent point of contact or claim manager), however, we did eventually receive a settlement for the full amount of the cancelled cruise, as well as the other cancellation costs associated with flights and accommodation. They covered the costs for both my husband (who had suffered the medical incident) and myself as the fellow traveller on the cancelled bookings.

Whilst waiting for our claim to be resolved we did see a lot of the negative reviews here and began to worry a bit, but happily our claim was fully honoured and we felt we should share our experience here.

Friendly and quick claims assistance – After having to delay my overseas trip by a week due to being diagnosed with COVID-19, I received very friendly and efficient service and advice during two phone calls to the Medibank Travel Insurance Support Team. The online claim submission was straightforward and I was delighted to be informed that my flight amendment costs were covered. The claim was processed in less than two weeks. Wouldn't hesitate to use Medibank Travel Insurance again. Show details ·  1

DISGUSTING BEHAVIOUR!!! BUYER BEWARE MEDIBANK PRIVATE TRAVEL INSURANCE team decided to deny our recent claim relating to a cancelled flight. The cancellation of our flight was initiated solely by the airline—a straightforward event that is explicitly covered under their policy wording. The product disclosure statement clearly outlines coverage… Read more

for “trip cancellations caused by the carrier or service provider,” which is precisely the situation we found ourselves in.

The rejection rationale didn’t even make sense. We booked our Bali flight 12months earlier, we encountered an issue that caused 1 extra day accomodation, MEDIBANK PRIVATE INSURANCE decided they are not responsible for this issue - this reeks of opportunistic interpretation designed to avoid a legitimate payout.

We did everything required as policyholders: we booked in good faith, notified their team promptly, and provided all supporting documentation. We actually were told by the Medibank Insurance Support Team at the time of the issue we would be fully covered for the extra day accomodation plus food.

To then be dismissed on the basis of some obscure or reinterpreted clause is unacceptable and deeply unethical. We trusted Medibank to provide peace of mind while travelling, and instead, we’ve been met with obstruction and a blatant disregard - truly disgusting behaviour especially over an amount less than $1,000.

For all would be travellers out there - look ELSEWHERE for your insurance requirements. Medibank Private Insurance cannot be relied upon but will be very happy to accept your money.

I paid a US hospital $1500 because I chose Medibank Travel insurance, thinking I was covered. I tripped and gashed my head in the States and had to go to the Emergency Department. Initially, Medibank's medical team were great on the phone. But that is where the great service ended. On returning home and putting in a claim, it took them over six… Read more

months to process it despite my constant phone calls. It is impossible to speak to anyone except the receptionist, and they are taught to be obstructionist, so you can't get to the person you need. It was like drawing teeth. Worse than smashing my head open during that fall. Ultimately, they sent me a paltry $350 and didn't pay the hospital. Leaving me to do it. The bill was $1500, and I just paid it as Medibank Travel Insurance were so difficult to deal with I couldn't go through more dealings with them. I would never use them again, and I WOULD NEVER RECOMMEND THEM to some poor unsuspecting traveller.

At start the cover seems promising. I lost my Carry on bag while travelling south Asia which has my laptop and other items. I have to deal with hundreds of acquisitions and questions regarding it after I made a claim for lost luggage. Ended giving up. Show details

Terrible – I am 67 year old women, i lost my phone during the trip. i submitted the receipt and lost report with my claim, after 1 month they replied with 1000 questions like what exactly i was doing before incident and how i reacted after it happened. Want to imie block which i am not able to because its not bought from a network. Current status of lost phone and similar technical stuff which i cant understand. So very terrible experience Show details

MEDIBANK TRAVEL INSURANCE – I purchased travel insurance for my trip to the USA early 2024 for a trip to the USA. As a Type 1 diabetic for over 25 years i always choose to purchase premium products for the "incase" something bad happens to me when i am away. I am very careful with my health and do not take any risks when it comes to traveling. I traveled in March 2024 and… Read more

needed medical assistance at a hospital in Los Angeles. When I arrived back from the USA i completed the necessary documentation. Medibank acknowledged and reimbursed my added expenses promptly, but the hospital's medical bills for an unknown reason remain unpaid. (it has taken 9 months and I am still waiting for a Medical Travel Insurance Resolution Officer to take care of this claim)

We are now in December 2024 and a debt collector is now contacting me to pay a bill of over $20,000 USD ($31,000 AUD). The duty of care is appalling and this situation has caused me extreme and unnecessary stress.

When I call the customer service line for an update (over the last 9 months) every agent is shocked, we go through the same process, they "escalate", phone somehow "disconnects" and after hours of waiting on hold, talking to agents i am still at the end of day not even one step closer to having my claim finalized.

The bill (for the past 9 months) is currently being "negotiated" with Covermore however it seems no one internally is actually working to get this bill cleared. It all appears overwhelmingly difficult for everyone, and the quality of communication and reassurance is truly appalling. I cannot even travel back to USA as this bill is not paid for. I would NOT recommend buying Travel Insurance from Medibank. I am now waiting for a "call back" we shall see what happens.

Invoices remain outstanding after claim approved 7 months ago! – Find an alternative insurance provider. I travelled to the US October 2023 and had a comprehensive plan in place, its now been 38 weeks since the claim was lodged under that policy and 27 weeks since it was formally approved but the approved invoices remain outstanding and I am continuing to be chased by a collections agency. Trying to resolve… Read more

Medibank / Travel insurance Partners has been quite frustrating and time consuming - the standard response is they are still negotiating with the hospital and will not provide a clear date on when that process will be resolved. I need travel back to the US shortly, Medibank / Travel insurance partners have advised that its fine for me to travel but will not acknowledge or provide indemnity for my up coming trip should I be refused entry to the US because of the outstanding balance.

Disappointing – After calling customer service to ask specifically what would happen if I had to cancel my flight before take off (this being due to an elderly sick parent), I was dealt with by an agent with a hard-to-understand accent, who told me I could make a 'claim'. I reiterated I was not talking about a claim, but a refund in the event of my inability to… Read more

travel. The agent simply said the same thing. The lack of clarification and the carefully crafted wording, made me feel that the information and company was dodgy. I'm a MB Private member, but won't be using these people.

Warning to scour the pds, if you think your covered, you’re not!! – Wish I could give minus stars- never again Medibank travel, underwritten by Zurich insurance. Unfortunately our flight was cancelled after we had taken off and returned to the airport due to a mechanical fault with the plane. Because we had boarded and began our journey, Medibank travel insurance didn’t cover this. So we were stranded!!! Not sure why I paid for travel insurance total waste of money and I defiantly won’t use Medibank again. Show details

Incompetant impossible to deal with – Update. This was never resolved under the fine print. We gave up and now insure with another company. Sent my claim 24 April registered mail. By mid June started calling and emailing many times as had heard nothing. Yesterday I provided proof that they had physically received the paperwork 28 April 2023. Today get a claim number to my husbands… Read more

email ( not mine as requested over and over)..look up online that states the claim is from 2022 ( it is from 2023). I am beyond frustrated. This is our 2nd year of annual multi and both medibank members. PLEASE contact me as it is now almost 3 months since you received my claim and I cannot get sense out of anyone re the status of my medical and delays claims. HELP!!! I can count the phone calls and emails sent as i have it all documented.

Dodged a bullet – I'm currently a medibank customer and I was looking at getting travel insurance for a holiday next month however the MB representative was not helpful and after reading all the negative reviews I'm actually thankful for the poor customers service cause it looks like I dodged a massive bullet. I'll definitely look for travel insurance elsewhere and thank you to everyone for their reviews this really has helped me. Show details

An Unexpected Claim efficiently handled – On Good Friday last I spent all day in the Tokyo Public Hospital being diagnosed with shingles, with my right eye being evaluated for any eye damage ( fortunately not) and prescribed anti virals. Beautifully clean Hospital with kindly professional staff. It cost nearly AU 1000 including international bank card transaction charges. I provided all… Read more ·  6

documentation, was notified on the 20th April that the claim had been recieved ( sent about 2 days before) and today 2nd May notified that the full cost of the hospital treatment, plus charges, less excess had been paid into my account. That is good service for a straight forward claim.

USELESS TRAVEL INSURANCE – I chose Medibank in good faith that it would save us from the troubles in travelling. Unfortunately they failed. I don’t know what’s the whole purpose of comprehensive insurance. You cannot reach to anyone on the phone. When someone picked up they said they will transfer you and then after waiting for another 30 minutes it gets cut off.… Read more

Frustrating! The website is not working properly it kept saying claim not found. Do I had to email the documents in their generic email. Their reply time is minimum 2 weeks. Flybondi has put us in an earlier flight & cancelled our original flight without giving notice. They only operate 1 flight so we had to fork out $600 USD to get on another airline to Buenos Aires. Flybondi another useless company would not do a refund either. Medibank says they will only pay me if the airline had a strike. I always use Medibank when I travel since 2002 because we have private health cover with them. On all those 22 years this would be my first claim and it’s not even a lot of money. Medibank DON’T PAY comprehensive travel insurance. AVOID at all cost. Because of this I switch to another health insurance.

Medibank Travel Insurance/Covermore – Follow up to previous review December 2023. After lodging a claim with Medibank Travel Insurance which was denied we lodged as recommended an internal dispute. All we are receiving now is an automated generic email from COVERMORE! Show details

Claim denied despite all evidence provided – I held a full coverage plan with Medibank Private and was attacked and mugged resulting in broken teeth and stolen items. It has been two months since my claim with all information provided and yet all I get is an automatic email every 10 days saying my claim is being investigated. EH the case manager won’t respond to any emails; nor will their… Read more

IDR suffice to say that they won’t deny the claim either leaving my in limbo. The claim is under $5K and I have been a loyal client with medical reports, credit card bills, police reports and original receipts for all claims and yet they do not assist. Steer clear and I can only imagine what would happen if you needed urgent assistance. Disgusting service and their underwriter CoverMore is just as useless.

What a joke – My claim got rejected because they decided it was not an emergency!!!! So they basically want you to die and not seek medical help they will not pay you anything. My mums tooth was so badly infected that she could not even open her mouth in severe pain and she is old mind you they said she should have waited it out!!! It was not an emergency… Read more

apparently do they even have any understanding the infection goes into the blood many people die from this what is wrong with these people!!!!!!

Travel Insurance for us Seniors – For nearly two years now, I have had the best friendly efficient service for travel insurance from Medibank Private - Doncaster- on cruises my wife and I have been on and another we are going on this year. They insured us with many disclosed medical conditions and I benefited with a discount for being a longstanding member. At the beginning,… Read more ·  1

being a long standing pre Covid RACV customer, I sought a cover two years after a hospital admission. They would not insure me because of these conditions and possibly my age. They would provide medical cover excluding these conditions but at about three times the cost of the policy from Medibank Private So my recommendations to Seniors who are cleared by their doctor to travel, check out Medibank Private and if convenient, at Doncaster Vic

Do not use this travel insurer, it's an absolute RORT – I have used this insurance several times but have never had reason to submit a claim. I put in a claim for my daughter beginning of December 2023. They sent me a letter requesting more information (all of which was sent immediately after submitting original claim as I could only attach one document) Despite us sending a reply letter addressing… Read more

everything AGAIN, they sent another letter saying they had not heard from us. We contacted them again and they said yes they had the letter. DOES ANYBODY COMMUNICATE WITH EACH OTHER? I have called at least 5 times, and have gotten an overseas call center, unfortunately difficult to communicate as English is a second language. Every time they refer to their original letter requesting irrelevant information (which we have responded to). It's incredibly frustrating, I am repeatedly told that they cannot transfer me, and there are no managers or supervisors for me to speak to. So how do I resolve this? What am I supposed to do? Super easy to get this insurance but that is where it ends. I have been a member of Medibank Private for 36 years but I will be transferring my membership to a different fund because this is dodgy. Definitely do not you use this company. I will be referring my claim to the AFCA and anybody else that I think will be able to assist. #My daughter has (twice) given permission for me to act on her behalf.

Big mistake choosing Medibank Private for Travel Insurance – In the midst of an emergency situation in France, with my wife in intensive care with Covid and receiving no help whatsoever from Medibank. Their emergency assist phone line is a joke, taken up to 45 minutes for them answer and then they give me a case number and not much else. They did agree that they’d deal direct with the hospital in terms of… Read more

payment but the hospital has not heard from them, 3 days later. Also spoke with their health team who have done nothing, saying they need to speak directly to my wife, who is in intensive care hooked up to numerous medical devices and on oxygen. They too told me they’d call the hospital and get back to me - three days later and I’ve heard nothing. I can see that I’m going to have to manage everything myself including rearranging flights back to Oz. Then no doubt there will be a battle at home seeking reimbursement of our costs which are going to be substantial. Update 2 months later. Still getting the run around from Medibank Travel. Despite saying they would cover the hospital costs 10 weeks later the hospital has not been contacted by MT despite having given MT their estimate of cost whilst my wife was in hospital. The hospital has now sent me the bill for payment, over $22k. I have sent numerous emails to the claims department without any response. Phone calls to customer care are stonewalled with no advice other than to send another email to claims as it’s not policy to give a phone number to customers to phone the claims department. Customer care operator told me claims are delayed due to lack of staff who are also covering the emergency assist phone line!! In frustration I’ve lodged a complaint with Medibank Travel only to receive an auto response saying their complaint process takes 30 days!

I’ve also discovered that MT are just agents for Covermore Insurance. I tried calling them directly but they wouldn’t assist and referred me back to MT.

I can’t think of one good thing to say about Medibank Travel

This insurer paid out only a fraction of my claim and have still not given me a response to my complaint – I took cover from this insurer for a trip to the Solomon Islands in July 2023. I was with a group and we got stranded due to bad weather and the cancellation of flights. Medibank only paid out a fraction of my claim whilst other members of my group, who were with Allianz, had their entire claims paid out. I have spent hours trying to resolve the… Read more

dispute with them and despite telling me constantly that they will resolve within 30 days, over three months have passed without a response. I think they are hoping that time will make me forget. Very frustrating and I would not recommend.

Domestic Plan - no coverage for Cruising – With domestic cruises in Australia on international cruise ships, ensure choosing a travel insurance policy that covers cruising, even if you are not leaving Australian territory. Domestic Plan (annual Multi Trip) may not suitable. Show details