Medical Travel Insurance

There is a large proportion of the travelling public who only want to insure large risks. They aren’t concerned about covering smaller items such as travel delay, cancellation and baggage. They are, however, concerned about covering the high cost of their medical expenses should the worse happen and they are involved in an accident or fall seriously ill while in a foreign country. For these travellers, medical travel insurance can provide the level of protection and peace of mind you’re looking for.

Overseas medical expenses take up the lion’s share of travel insurance claims and as medical costs rise significantly more than inflation each year, they are becoming an increasing proportion of the cost. By cutting out other sections of cover you don’t need, there are significant savings to be made by just buying medical travel insurance – without all the extras.

Travellers should be aware though that a Google search for medical travel insurance normally produces results that focus on policies that are designed for people with pre-existing medical conditions. These policies will normally be much more expensive because they look to cover higher risks.

So if you’re looking for a medical travel insurance policy that only covers medical expenses (and not pre-existing medical conditions), insure4less has an affordable solution to keep you safe while you’re travelling.

To get a quote, simply fill out the Quick Quote form to the right. If you’d like more information about our medical travel insurance policy, feel free to send us an email at and one of our travel insurance specialists will be happy to answer any questions you have.

Overseas Medical Costs

Medical costs can vary between regions and countries. The USA and Singapore have the highest medical costs in the world, while countries such as Spain aren’t that far behind.

Insure4less has helped countless Australian travellers get the treatment they need in an emergency medical situation, and we look forward to being able to help countless more.

We have recently paid claims such as:

  • $100,000 – Mexico – Stroke following a tick bite
  • $81,000 – Bali – Embryotic stroke with evacuation to Singapore
  • $80,000 – Bali – Appendicitis
  • $264,000 – Cambodia – Broken arm that became infected

Despite costs such as these, there are still a large number of Australians who do not take out travel insurance when travelling overseas. Many of those who don’t take out insurance and end up in debt have to sell their homes just to pay it off.

The reduced cost of buying medical travel insurance upfront is a small price to pay for the peace of mind that it brings. While it doesn’t provide complete cover, it does cover the most important (and most expensive) part of travel insurance – your medical costs, and by extension, your health. 

What We Cover

At Insure4Less, our medical only travel insurance policy provides unlimited cover for overseas medical expenses. This includes:

  • Emergency medical, surgical and hospital treatment and necessary transportation
  • Emergency dental treatment to natural teeth (such as treatment for an infection or broken tooth), up to the specified limit.
  • Repatriation to your home country (including air ambulance)
  • Travel and accommodation expenses required to return home if you are unable to continue with your trip as planned
  • Additional travel and accommodation expenses for a family member or friend to stay with you and accompany you home
  • A funeral or returning your remains to your home country if you die

Our 24/7 medical emergency service is also available to all policyholders.

Contact our team of medical professionals at any time, from anywhere in the world, for immediate assistance with finding treatment in the country you’re in, paying hospital and medical bills, interpretation in non-English speaking hospitals and medical centres, repatriation to your home country and any other issues relating to medical treatment while you’re in a foreign country.

We know that your health is your priority, and we make it ours too.

For more specific medical travel insurance policy information, please refer to the Product Disclosure Statement.

Medical Exclusions to your Policy

Every type of travel insurance policy contains exclusions, and it’s very important that you are aware of these before you travel. In a medical travel insurance policy, these exclusions generally include:

  • Any medical expenses incurred in Australia
  • Any expenses resulting from a pre-existing medical condition that isn’t covered in your policy
  • Any dental treatment to non-natural teeth, such as dentures, prostheses, bridges or crowns
  • Cosmetic dentistry treatments
  • Any medical care covered under a Reciprocal Health Care Agreement (RHCA)

For a full list of exclusions or more information regarding your specific policy, please check your PDS or send us an email with your enquiry.

What about Reciprocal Health Care Agreements?

Australia has a Reciprocal Health Care Agreement (RHCA) with a number of countries around the world, including New Zealand, the UK, Ireland, Finland, Sweden, the Netherlands, Norway, Italy, Belgium, Slovenia and Malta.

These agreements entitle Australian residents to subsidised healthcare treatment in an emergency when visiting any of these countries. However, it’s important to be aware that these agreements do not cover everything and should be combined with medical travel insurance to ensure you’re fully protected.

RCHAs specifically do not cover:

  • Ambulance
  • Paramedical services
  • Dental treatments
  • Treatment or accommodation in a private hospital or as a private patient in a public hospital
  • Medical evacuation back to Australia
  • Treatment that isn’t immediately necessary
  • Funerals

As you can see, most of what isn’t covered by an RHCA is covered under a medical travel insurance policy. Relying solely on an RHCA could leave you considerably out of pocket in a medical emergency, so if you’re travelling to one of these countries, medical travel insurance is vital to make sure all your bases are covered.

You can find out more about RCHAs and your entitlements in participating countries at the Department of Human Services.

Don’t Take the Risk – Take out Medical Travel Insurance Instead

If you’re travelling on a budget, medical travel insurance will give you the standard protection you need without all the extras. Overseas medical costs can be painfully expensive, leaving you with a huge debt on top of an overwhelming medical emergency. So don’t risk it – protect yourself with no-frills travel insurance that focuses on what’s most important.

Invest in your health and get a quote for affordable medical travel insurance from insure4less today. 

Quick Quote




Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.


Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date


Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.


We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 21 to 35 years

Adults 36 to 50 years

Adults 51 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Children under 21 in a family

Other children under 21 years

For more info see our FAQs and Product Disclosure Statement.