Medibank Travel Insurance - International Comprehensive Plan

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.

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.

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

The best decision I've ever made – Purchased travel insurance for a trip to the USA in November 2022. During my trip I slipped on a grate and injured my leg causing extreme swelling and an inability to walk or bend my knee. I went to the emergency department via ambulance and had X-Rays completed which found no damage to bones suggesting a ligament injury. Contacted the 24 hour… Read more ·  1

assistance line the next day and had multiple agents by my side the remainder of my trip to assist in cost coverage and repatriation. The 24 hour assistance line had nurses and registered practitioners available to assist who suggested another visit to a hospital or doctor for a DVT consultation and also automatically took it upon themselves to find me an alternative seat where I could elevate my leg for the whole flight home. If you want to feel safe and assured that you will be able to return home if injured while on holiday, Medibank travel insurance (comprehensive) is the best route to take. Cannot recommend them enough. Will never choose another provider, they have my loyalty for life.

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.

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

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!!!!!!

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.

Do not waste your money – Unfortunately, we purchased a Medibank travel insurance plan for our recent trip overseas. While overseas we had items stolen, and obtained a police report for the stolen items. We lodged receipts to show purchase price of the replacement items and the police report but were told this was insufficient for a claim. We were told to submit proof of… Read more

initial purchase of the items we had stolen (we did not have this but did have a police report) then we were told to submit the cost of replacement items (which we already submitted) and were told that an international police report was insufficient proof of our initial items. Honestly, a massive run around and the least thing that you want. Companies prey on the fact that it is going to be a hassle and they give you the run around in the hope that, like me, you cut your losses and give up trying to make a claim. Do NOT purchase travel insurance from Medibank! Terrible mistake!

What a Shame – Held private medical insurance with Medibank for many years. I was considering using their travel insurance for multiple annual holidays now that I am retired but these poor reviews have changed my mind. They should be better not worse than other travel insurance. Will look at Allianz or similar with good reviews. Show details

Did not have a list of English Speaking Hospitals in Buenos Aires – The title says it all really. Called their emergency department and got put through to a nurse. Was of no help, read off a bunch of compliance stuff. Couldn't even advise on which hospitals I could go to to see an English speaking doctor. Why even have a helpline? Would never recommend. Show details

DO NOT do it it is a scam – They basically were extremely racist after I had a traumatic experience then made me fill out the form Atleast 10 times same form after I provided legitimate documentation I got a call saying oh because you traveled to this particular location everything you submit is considered fraud Months later I haven’t received anything just don’t get it not worth it Show details

Ignored us for months until we went through a third-party regulator – We had three incidents (two medical issues and a cancelled flight) on our trip to the USA. All incidents were clearly covered under our Medibank Travel Insurance policy. We notified Medibank while we were overseas at the time of each incident and sought and followed Medibank’s direction on making our claim when we returned in August 2022. Our… Read more

claim was supposed to be processed in 10 business days. After Medibank requested additional time, one of our medical incidents was approved in October, but there was no communication on the other medical incident and the cancelled flight. We raised a complaint with Medibank over the phone in October and again in writing in November. Our complaints were ignored, and we received no response from Medibank other than an automatic email acknowledging receipt of our written complaint. After months of no response from Medibank, we contacted the Australian Financial Complaint Authority and raised a complaint through them in late January. We finally heard back from Medibank’s Internal Dispute Resolution that they received our AFCA complaint, and our claim was approved and settled in February 2023. We invested an enormous amount of time and energy over six months to resolve a basic claim following Medibank’s advice and processes throughout. I simply do not have the words to adequately express the frustration and stress we experienced. I would advise potential customers DO NOT PURCHASE MEDIBANK TRAVEL INSURANCE. I’m convinced that had it not been for the AFCA, Medibank would have simply ignored us until we gave up. Thank goodness for AFCA!

Worst travel insurance company ever – They took over a month to assess my claim for lost luggage and initially came back and said I was only entitled to $1000 for "delayed luggage" even though months had passed and my suitcase had not been returned. When you call no one can help you directly you can only communicate via email with the claims team, the people on the phone just say "oh… Read more

I cant see anything here as to the reason for not fully approving the claim" I had to escalate the claim twice until someone from internal disputes approved my claim, then they processed the pay on 21/12/2023 said the payment will reach my bank within 3 business days. After 7 business days I called and was told to follow up with my bank and they gave me a reference number which the bank said was useless as the money had definitely not reached my account and was not even pending. I called back and asked how the transfer was made and to confirm the bank details - once again people on the phone could not help, could not transfer me to anyone and resulted in them telling me to email claims department and that they have supposedly contacted the finance team. I believe they are either completely corrupt or severely incompetent. It has now been 5 months since my belongings went missing and I am yet to be compensated, never again will I use them and I will be changing my private health cover as well as they are not to be trusted.

Disappointed but not surprised!! – I am so disappointed with Medibank travel insurance I sent my claim two months ago and received an automated response, saying my claim would be assessed in 5 days. I called after one week and was told there was no record of the claim so I resubmitted and again received an automated response saying my claim would be assessed in 10 days due to… Read more

Covid. After 10 days nothing. I called and they keep saying they are busy because of covid but it was getting ridiculous now, two months later they are requesting more information so they can assess my claim. It's been more than 2 months since I submitted my claim. First, they took my money in less than 5min, had no communication for more than a month, and now they need information so they can assess. I will never deal with them again.... and I would actively discourage anyone else from doing so.

Still waiting after 30 days – I am so disappointed with Medibank travel insurance I have called, emailed and nothing they keep saying they are busy because of covid but its getting ridiculous now its more than 30 days I submitted my claim, how long will it take no communication. Show details