Medical only travel insurance: everything you need to know
Travel is unpredictable. Medical only travel insurance focuses on the essentials - hospital care, emergency dental, and other medical treatment overseas - without extras you may not need. This article explains what it is, who it’s for, and how ahm medical only travel insurance can provide coverage for medical emergencies while abroad.
When you’re heading overseas, travel insurance might not be the first thing on your packing list - but that doesn’t mean it might not be one of the most important. If all you want is a simple cover option that focuses on your health, medical only travel insurance might be worth a look.
What is medical only travel insurance?
Medical only travel insurance - aka overseas travel medical insurance or international travel medical insurance - is there to help cover emergency medical costs while you’re travelling outside your home country.
Unlike comprehensive travel insurance, which generally includes cover for things like cancellations and lost luggage, a medical only policy focuses on helping to protect you from unexpected medical expenses while you're overseas - because sometimes they can be the most expensive part of any travel emergency.
Some benefits of overseas travel medical only insurance
Choosing overseas travel medical insurance can help give you some peace of mind if something goes wrong far from home. Some key benefits of ahm’s medical only travel insurance include:
- Emergency medical treatment: Cover towards hospital stays, doctors, and specialists if you become sick or injured overseas.
- Medical evacuation: Helps pays for transport to the nearest hospital or back home if needed.
- 24/7 emergency assistance: Access to support lines that can help arrange care or translate medical information.
- Repatriation: Can help cover the return home for further treatment.
Quick Tip: Cover for medical costs under the policy are subject to your claim being approved.
What travel insurance medical only doesn’t cover
While medical only travel insurance provides essential overseas emergency medical coverage, it’s important to know what it doesn’t include, such as:
- Trip cancellations or interruptions
- Lost, stolen, or damaged belongings
- Travel delays or missed connections
- Rental car excess
- High-risk or adventure activities
- Claim arising from certain existing medical conditions (cover may be applied for and if accepted, an additional premium may apply to include cover on your policy)
So, whether you’re travelling overseas for a holiday, visiting family, or studying abroad, medical only travel insurance is one way to help protect yourself for those unexpected medical emergencies without paying for the extras you might not need.
Check out ahm travel insurance options for your next trip.
Things you should know
Limits, sub-limits, conditions and exclusions apply. This is general advice only. This product is distributed by Australian Health Management Group Pty Limited (ABN 96 003 683 298, AR 266711) and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138). Travel insurance is underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit ahm.com.au/travel-insurance/forms-and-guides.