Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
Medical only travel insurance specifically covers medical expenses incurred while travelling. Unlike comprehensive travel insurance policies, which may include coverage for trip cancellation, lost luggage, and other travel-related issues, medical only travel insurance focuses solely on health-related incidents. 1Cover’s medical only policy includes the following:
Please see the PDS for full terms and conditions.
| Medical Only | Benefit Limit | |
|---|---|---|
Emergency | ||
| 24/7 Emergency Assistance Service | included | |
Medical | ||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited |
| Dental Expenses | O | $1,000 |
| Repatriation Of Remains | O | $25,000 |
Other | ||
| Personal Liability | P | $5 million |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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Depending on your trip plans and circumstances, medical only travel insurance may or may not fit your needs. While a medical only policy would cover your overseas medical costs only, a comprehensive policy would provide the same coverage, along with the below benefits:
- Cancellation cover: In the event you are unable to travel due to unforeseen circumstances.
- Luggage and personal belongings: Cover for up to $15,000 in luggage and personal effects cover for losses or damages.
- Car rental excess: Cover for exorbitant rental excess fees if your car is damaged/stolen.
- Additional accommodation and travel expenses: In the event that your travel plans are disrupted because of injury, illness or other disruptions.
- Credit card fraud: Cover for replacement or monetary costs in the event that you are the victim of credit card fraud.
- Loss of income: Cover for loss of income if you're injured or unwell for over a month upon your return home.
- Optional ski and snowboarding cover: Cover for your medical expenses and snow gear on your next ski trip, along with a list of other benefits.
When considering an overseas holiday, travel insurance should be a non-negotiable addition to your packing list. But what many people may not know is the staggering cost of healthcare in some parts of the world, where basic medical care can set you back tens of thousands of dollars. In the United States, for example, minor medical illnesses and injuries can lead to exorbitant costs. In fact, 1Cover has seen severe medical incidents resulting in millions of dollars in claim costs. Here are just some of the highest claim costs 1Cover has assisted with in recent years.
Million-dollar malady: $3,000,000
A 62-year-old man suffering from an infection required an extended hospital stay in a US hospital due to medical complications. His claim came to a total of $3,000,000.
Camel fall crisis: $100,000
A 63- year-old woman fell off her camel in the Saharan desert, resulting in multiple injuries and a medical escort flight home. Her claim came to a whopping $100,000.
Bali stomach saga: $80,000
A man in his sixties holidaying in Bali caught a parasitic bug which led to a stomach rupture and emergency surgery. His claim came to over $80,000.
Cat bite catastrophe: $60,000
A woman in her twenties required a series of rabies shots after being bitten by a cat in Costa Rica. Due to a lack of access, she had to be flown to the United States to obtain the vaccines. Her full claim cost came to $60,000.
What is Reciprocal Health Care?
In some parts of the world, Australia has reciprocal health care agreements, meaning that you will have access to certain medical healthcare benefits in the event of a medical emergency. However, relying solely on reciprocal healthcare coverage has limitations and does not entirely replace the need for travel insurance. For instance, it might not cover non-emergency treatments, medications, or specialized care.
Medical only policies are available to travellers aged 69 or under.
You can take out a medical only policy for up to 12 months.
No, you cannot add extras to medical only policies.
Yes, you can choose an excess of either $100 or $200. The higher the excess you choose, the lower your premium will be. We may impose an additional excess for claims arising from some medical conditions.
Our Medical Only policy does not offer the Cruise Pack add-on. To be covered while on your cruise, you’ll need to add the Cruise Pack to your Comprehensive, Frequent Traveller and Already Overseas policy only.
No, our medical only policy is designed for international travel only.
All 1Cover policies, including our medical only policy, provided unlimited cover for overseas medical assistance.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
We’re proud to be recognised and awarded for our quality products and services that we provide to our customers.
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If you have any other questions or queries, please visit our Contact Us page. If you are experiencing an emergency, please use the details on our Emergency Assistance page.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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