Included with most comprehensive travel insurance policies, travel medical insurance is an effective way to ensure cover for overseas medical, hospital and emergency expenses. Many people mistakenly believe that their health insurance and/or Australia's Medicare system will cover their health while travelling overseas. It is important to know the limits of any existing cover though, as private health insurance and Medicare generally do not provide cover outside of Australia.
Foreign countries have different medical systems, and may have inadequate facilities or be significantly more expensive than Australia. Though it is not pleasant to think that a doctor or hospital visit may become necessary while on holiday, it is important to be aware of and consider this possibility. If travelling in a remote or undeveloped area, it can also be worth finding out where the nearest medical facilities are.
What travel medical insurance will typically cover
This page is provided as information only - travellers should read the policy wording in full and seek professional advice if required, as depending on the policy and provider exclusions and limitations may apply. Travel medical insurance will typically cover necessary overseas medical and hospital expenses resulting from an injury or illness while travelling. Cover will be up to a certain specified limit, often unlimited.
In addition to medical expenses, some travel insurance providers may also cover dental, and some policies may also provide additional benefits including an amount of cash daily if in hospital and an interpreter if in a hospital in a non-English speaking country. Again depending on the policy, when required some insurers may also pay the cost of moving to another country under certain circumstances (this typically needs to be approved by the insurer on a case by case basis).
Limitations and exclusions
Travel insurance medical will not automatically provide cover for claims and expenses arising from any existing medical conditions. To obtain cover for existing conditions it is often necessary to apply for a health assessment separately. If the insurer is able to provide cover an additional premium loading amount may apply.
Medical and hospital expenses within Australia are typically not covered by medical travel insurance. Insurers generally require that all medical treatments be provided by a legally qualified medical practitioner. Other limitations and exclusions are likely to apply and will be specified in the policy wording.
When reviewing travel medical insurance travellers should consider and compare more than simply price and levels of cover. Other points to compare include the emergency assistance provider, whether the policy is back by an established underwriter, and claims history and handling. |
