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Overseas Medical Travel Insurance for Australians.

A visit to the hospital shouldn't put your credit card into Intensive Care...

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This information is for Australia residents.

Aussies are a lucky bunch. Most of the time, if we need to go to hospital, we don't see a bill. Sadly, that's not the case when you're overseas. If your luck runs out and you get sick or injured, our 24/7 emergency assistance team will be there for you. They'll look after you and keep your people back home informed, so you can get back on your feet and keep travelling.

What Overseas Medical Expenses are covered by travel insurance?

If accident or injury should strike, and you buy the policy for the activities you'll be doing, you can be covered for a whole range of emergency treatment, including:

CoverExplorer PlanStandard Plan
Doctor's visits
Prescribed medication
Chiro, osteo, acupuncture
Assault or trauma counselling

We also have a 24 hour Emergency Assistance Team who can guide you to the nearest hospital and set up direct payments to the medical facility. Their network has a global reach, so wherever you are, they can help.

What should I do if I have an emergency while travelling?

What’s not covered?

Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:

  • Any expenses once you return home
  • Riding a scooter without a helmet or valid scooter licence (regardless of the fact that the smiling man said your car licence was totally fine).
  • That rash you picked up having hostel sex
  • Where you've been acting like an idiot
  • If you're under 21 and drinking alcohol in Bali

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our article on  overseas medical coverage and read your policy carefully before you buy.

How to get medical assistance.

It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible, so that the team can support you from the time you fall sick or get injured until the time you're well again.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location


I started feeling ill on Wednesday, 14 July. It began with a headache, followed by a loss of appetite and soreness throughout my entire body. A fever accompanied these symptoms on Thursday night. I decided to go to hospital for a blood test on Friday morning, 16 July. The blood test revealed that I had Typhoid Fever. I was admitted to the hospital that afternoon. I was put on an IV straightaway, and started a course of antibiotics, first through the IV, and then, later, in tablet form. I had regular blood tests throughout my time in hospital. I was released on Thursday evening, 22 July.
Claim paid: AUD $ 711.7
E.H. Aussie resident.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Are you, your family sick, injured or deceased?
  • Has one of your relatives died?
  • Has a bushfire damaged your home?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital lickety-split

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech Trashed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for Australian residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.