Medibank Travel Insurance - International Comprehensive Plan (Single Trip)

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.

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

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

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.

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.

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

WORST TRAVEL INSURANCE SERVICE PROVIDER OR COMPANY I HAVE EVER DEALT WITH- STAY AWAY !! – Due to myself and my family having our health insurance with Medicare i took it upon myself to stay loyal with the company and place my travel insurance with medicare even after many of my friends that were travelling with me to our once in a lifetime Europe trip suggested to go in a different direction. On the last day of my trip a European… Read more

airline lost my luggage (which was completely out of my control). I arrived home, and as a 23 year old who had just gone on a significantly expensive Europe trip, wasn't quite financially equipped. I put in my claim with medicare to be compensated for my lost luggage and the rules and regulations were that the claims team would respond to the claim within 10 business days.

After patiently waiting quite a few business days whilst recovering from my trip i started to of course need the necessities that were in my bag for personal and work purposes, such as my laptop, beard trimmer, all clothing, shoes, toiletries and many other items. From the 3rd of July - to the 12th i spent days upon days dealing with the OFFSHORE call centre who could not of been less help. They made millions of promises that they would call me back with further details about my case and never did, would constantly lie and tell me they didn't have supervisors throughout their department - which they did.

I was finally passed onto a supervisor after 9 business days with no results keeping in mind I had been told there were none in the department. The supervisor continued to make promises which he did not live up to.

After 13 business days the claims team had responded to my claim, however only telling me i needed to send further information to them and that they would inspect this information after 10 MORE BUSINESS DAYS. After this had happened i sent the information immediately and spent the next 3 weeks calling this offshore customer service department trying to resolve my claim still without my bag. Throughout those 3 weeks i was dealing with the supervisor only and would be calling nearly every business night with apologies and promises I would receive a call back the next day with a hopeful resolution to my case. of course this never happened, meaning I would have to call back and wait 30 minutes on hold to speak to him again.

After that 3 week period i was very lucky and received my bag back in Sydney. As I had been felt like less then a priority i left it up to them to give me a call with their update so i could further tell them my bad had arrived. I waited nearly 3 weeks and had heard nothing at all. I called up after nearly 3 weeks and several members including the supervisor couldn't provide me with any reason at all as to why i hadn't received a call. As i had spent around $500 buying necessities to insure i could shave and have clothing such as underwear and t shirts available to me whilst my bag was gone i still needed to be compensated for this. I spent a week longer attempting to resolve this issue and the call centre continued to stuff me around with fake promises the entire time.

AFTER 37 BUSINESS DAYS, I finally received an email telling me that i wouldn't t be compensated for a thing. I have so much more to go on about with regards to the service of this company, but am so exhausted I cant type many more words.

OVERALL DO NOT GO WITH MEDIBANK FOR YOUR TRAVEL INSURANCE. - COMPLETE THIEFS OF A COMPANY.

Disappointing Service - Long wait times, left out of pocket & poor communication – I purchased this policy in good faith before my partner & I were to travel to Bali for a long awaited holiday. I am not the kind of person who would usually resort to leaving a bad review, but my experience has been utterly disappointing and I would hate for others to have to go through the same experience. I might start by adding when I purchased… Read more

the policy I was pleasantly surprised by the transparency of inclusions/exclusions in the Medibank travel insurance policy, but unfortunately, this was the last of the positive experiences....

A few days before our trip I had a fall which left me in hospital with broken ribs, a collapsed lung and certified by a doctor unable to fly. We were lucky that the majority of our trip could be rescheduled free of charge, however we incurred extra cost to change our flights, lucky of course that we had comprehensive travel insurance to cover this..... Alas, Medibank has not lived up to the expectations set out in their PDS. I took time from my hospital bed to go above & beyond in our claim, providing 10 different attachments to clearly outline context, certification & clarity about the claim. It has now been 51 days since my claim and I am yet to receive an outcome. After countless hours on hold and speaking with customer service staff I am no closer to claiming my entitlements. This has been a real nightmare.

If you are travelling, please do not chose Medibank as your insurer, you will be left with undue stress and a lack of clarity. Again, I am a reasonable person who is very understanding, but I am utterly disappointed in this service/product and still yet to receive meaningful communications. My advice - go elsewhere!

Medibank Private Travel insurance is an absolutely unacceptable and incompetent travel insurance – More than 6 months after a skiing accident (extra insurance for skiing taken out) in Europe I still have not received any money and I am still A$ 20,000 out of pocket, although all expenses were approved in writing by Medibank Travel insurance. The travel insurance: • Could not be contacted easily from overseas (see below) while in hospital and… Read more

failed to call back several times • On hold time for phone contact was on average over 1 hour with a maximum of 4 hours • Was unable or unwilling (no banking facilities connection!!) to make any direct payment to overseas service providers (rescue team and hospital) or would not accept direct billing to the insurance which required payment by me to ensure service. • Required collating all costs including exchange rates etc by the insured person and came back full of clerical and administrative errors. • Fails to respond to emails in a timely and coordinated manner and every query causes a delay of between 10 to 20 days • Unable to add up correctly and trying to charge the excess twice • Shambolic email communications by assigning different case numbers and case managers to the same incident.

helpful so far, haven't left yet – Pre travel review of service . Good experience in Medibank office, policy was good price given my age. On reading all the fine print (would have been nice to go through that before purchase), had to cancel first policy to add couple of existing medical conditions (I hadn't realised they were such). This was done over the phone, the menu choices… Read more ·  1

were difficult and it keep getting me back to main menu. Several attempts, got through to the appropriate person. All done over phone, immediately got credit note by email. Was transferred to the Medibank staff. New policy issues in about 20 mins, credit note worked, and I paid the difference. Staff were helpful and willing to repeat things. Also happy with me saying .."let me replay that to you" .. I repeated the information and my understanding of process and actions. I was not rushed and felt that I got the service I should have as a MediBank Private member

Perfect if you want a horrible experience – If you are looking for a travel insurer that is uncontactable unless you wish to purchase a policy, then Medibank is for you. Once you have purchased your policy and they have taken your money they make it impossible for you to contact them. I was twice on hold for 1 hour 15 to be hung up on without speaking to anyone. I then called through to the… Read more

new policy line and someone answered almost immediately. They then said they would transfer me to someone who could answer my question, then sent me back to the main menu. Absolute shambles of an organisation.

Non Existent Service – Had to delay my trip by 3 days due to an emergency. Tried calling multiple times and put on hold for over 2 hours each time and gave up. Tried emailing, auto reply advising of 5 business days response time, it's been over 4 weeks and still no response to multiple emails. I had to blindly pay for flight changes and then had to buy a completely… Read more

new policy to cover the additional 3 days since no one would respond to amend my existing policy.

I've just tried to make an online claim and the website is not recognising my name or policy number even though i've copied and pasted them directly off the certificate.

So now it's come to leaving this review as it seems the only place Medibank Travel Insurance are returning messages.

Avoid – Medibank happily took my money online a week ago however I have yet to receive any confirmation of policy or documents. Hours on hold and with no policy information sent to me in limbo about whether my policy is in place or not. Show details

Horrible Service - still waiting on claim to be processed – Don't use Medibank for travel insurance... I lodged a claim 2.5 months ago and it still has not been processed. Also sent 5 emails following up with no response from them. Just waited on hold for 2.5 hrs, only to be told I have to wait an indefinite amount of time for my claim to be processed. Ridiculous. Show details

Great coverage for a reasonable price, use the best for health. Show details ·  1

Comprehensive cover for a competitive price – Comprehensive cover for a competitive price, plus has unlimited health cover being Medibank. Show details ·  1