Is Latrobe Health Insurance Worth It? Review 2025
Our Expert's Opinion on Latrobe
ScoreLatrobe stands out in the Australian health insurance market for its flexible range of covers, with options from Basic Hospital through to Gold Combined, adapting to most household needs. Ranging annual reimbursement limits and above-average rates (up to 90% for certain extras) position Latrobe among top-tier insurers like HCF and nib, while maintaining competitive premiums generally below larger national providers. Excess levels start at $250, and select plans offer a dedicated wellbeing/prevention budget up to $200 per adult per year. Families and individuals seeking a trustworthy regional insurer, as well as older members needing extras cover (dental, optical, physio), will find Latrobe particularly relevant. As an established mutual founded in 1951, Latrobe manages over $195 million in premium income and insures 80,000+ members, consistently rated for its financial security and member-first ethos. Trustpilot reflects positive sentiment with a score of 4.0/5 across 120 reviews, users particularly appreciating the responsive support. Claim processing typically occurs within 2-3 business days, confirming Latrobe’s reputation for reliable and efficient refund handling.
- ✅Flexible cover levels for all life stages
- ✅Up to 90% reimbursement on extras with select plans
- ✅$200 per adult annual wellbeing budget
- ✅Competitive premiums versus national players
- ✅Rapid claims processing in 2-3 business days
- ✅Strong reputation for local service
- ✅Solid financial foundation as a member-owned mutual
- ❌Extras cover varies significantly between plans
- ❌Entry excess may be higher than some competitors
- ❌Fewer digital service options than large insurers
- ❌Limited coverage for some high-cost hospital services
- ❌Waiting periods apply for some benefits
- ✅Flexible cover levels for all life stages
- ✅Up to 90% reimbursement on extras with select plans
- ✅$200 per adult annual wellbeing budget
- ✅Competitive premiums versus national players
- ✅Rapid claims processing in 2-3 business days
- ✅Strong reputation for local service
- ✅Solid financial foundation as a member-owned mutual
Our Expert's Opinion on Latrobe
ScoreLatrobe stands out in the Australian health insurance market for its flexible range of covers, with options from Basic Hospital through to Gold Combined, adapting to most household needs. Ranging annual reimbursement limits and above-average rates (up to 90% for certain extras) position Latrobe among top-tier insurers like HCF and nib, while maintaining competitive premiums generally below larger national providers. Excess levels start at $250, and select plans offer a dedicated wellbeing/prevention budget up to $200 per adult per year. Families and individuals seeking a trustworthy regional insurer, as well as older members needing extras cover (dental, optical, physio), will find Latrobe particularly relevant. As an established mutual founded in 1951, Latrobe manages over $195 million in premium income and insures 80,000+ members, consistently rated for its financial security and member-first ethos. Trustpilot reflects positive sentiment with a score of 4.0/5 across 120 reviews, users particularly appreciating the responsive support. Claim processing typically occurs within 2-3 business days, confirming Latrobe’s reputation for reliable and efficient refund handling.
- ✅Flexible cover levels for all life stages
- ✅Up to 90% reimbursement on extras with select plans
- ✅$200 per adult annual wellbeing budget
- ✅Competitive premiums versus national players
- ✅Rapid claims processing in 2-3 business days
- ✅Strong reputation for local service
- ✅Solid financial foundation as a member-owned mutual
- ❌Extras cover varies significantly between plans
- ❌Entry excess may be higher than some competitors
- ❌Fewer digital service options than large insurers
- ❌Limited coverage for some high-cost hospital services
- ❌Waiting periods apply for some benefits
- ✅Flexible cover levels for all life stages
- ✅Up to 90% reimbursement on extras with select plans
- ✅$200 per adult annual wellbeing budget
- ✅Competitive premiums versus national players
- ✅Rapid claims processing in 2-3 business days
- ✅Strong reputation for local service
- ✅Solid financial foundation as a member-owned mutual
- What does Latrobe health insurance cover?
- What is the price of Latrobe health insurance in 2025?
- Is Latrobe health insurance accessible to new arrivals?
- Main Coverages Provided
- Coverage Duration and Eligibility
- Does Latrobe health insurance cover seniors?
- How does reimbursement work with Latrobe?
- How to contact Latrobe health insurance?
- Latrobe promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international expert in health insurance, supporting thousands of Australians each month in making informed coverage decisions. Our specialists have evaluated the offers from over 25 insurers in Australia, thoroughly analysing policy features, pricing, and service quality.
What does Latrobe health insurance cover?
Latrobe offers a concise range of health insurance plans, each tailored to varied needs, with clear cover levels for hospital, extras, and combined options. Their competitive rebates on dental, optical, and physiotherapy, plus no-gap preventative dental at select providers, are standout advantages. Latrobe’s minimal waiting periods and transparent annual limits provide clarity, while excess options help manage premiums. However, some advanced dental and non-partner provider benefits can be limited, and certain high-cost therapies aren’t fully covered. Overall, Latrobe distinguishes itself through flexibility and transparency, though scope for enhanced specialist coverage remains.
Important information
For you to compare easily and make an informed choice, we have added a column with what the public health system covers.
Routine medical care
| Benefit | Medicare (public system) | Base Cover Form 1 | Enhanced Cover Form 2 |
|---|---|---|---|
| Prescription medication | By default Co-payment: $31.60/item No annual cap | 70% reimbursement Excess: $25/year Annual cap: $900 | 90% reimbursement Excess: $15/year Annual cap: $2,500 |
| Hospitalisation | 100% Shared room (public ward) Unlimited days | 100% Semi-private room 60 days/year | 100% Private room Unlimited days |
| Ambulance transport | Varies by state (often not covered) | 85% reimbursement $1,200/year | 100% reimbursement $6,000/year |
| Home care services | By default (subject to eligibility and waiting periods) | 80% reimbursement $1,500/year | 100% reimbursement $5,000/year |
| Laboratory analysis | By default No charge in public hospitals/labs | 100% reimbursement $350/year | 100% reimbursement $1,000/year |
Co-payment: $31.60/item
No annual cap
Excess: $25/year
Annual cap: $900
Excess: $15/year
Annual cap: $2,500
Shared room (public ward)
Unlimited days
Semi-private room
60 days/year
Private room
Unlimited days
$1,200/year
$6,000/year
$1,500/year
$5,000/year
No charge in public hospitals/labs
$350/year
$1,000/year
Dental care
| Guarantee | Public Health System | Essential Extras | Comprehensive Extras |
|---|---|---|---|
| Preventive and routine dental care | Medicare | 60% up to $300 per year | 80% up to $600 per year |
| Basic dental care | Medicare | 60% up to $300 per year | 80% up to $600 per year |
| Major dental care | Medicare | Not covered | 80% up to $1,200 per year |
| Orthodontics | Medicare | Not covered | 60% up to $800 per year, 12-month wait |
Eye care
| Guarantee | Public System | Base Cover | Advantage Cover | Top Cover |
|---|---|---|---|---|
| Glasses, contact lenses, surgery | Medicare | $150/year per person, 100% after 12 mo. | $250/year per person, 100% after 6 mo. | $400/year per person, 100% after 2 mo. |
| Optometrist consultation | Medicare | 100% up to Medicare Benefit Schedule | 100% up to Medicare Benefit Schedule | 100% up to Medicare Benefit Schedule, unlimited |
Specialized and paramedical care
| Guarantee | Public System (Medicare) | Value for Base Cover | Value for Mid Cover | Value for Top Cover |
|---|---|---|---|---|
| Alternative Medicine | Not covered | $300/year, $35/session | $500/year, $40/session | $750/year, $50/session |
| Psychologist | Up to 10 sessions/year, rebate varies | $400/year, $60/session | $600/year, $80/session | $900/year, $100/session |
| Speech Therapy | Only with Enhanced Care Plan | $400/year, $65/session | $600/year, $80/session | $900/year, $100/session |
| Travel Insurance | Not covered | Not covered | Covered Australia only, $1,500/year | Worldwide cover, $10,000/year |
Good to know
Eligible to apply for Latrobe health insurance: - Any person residing in Australia - Must hold Medicare eligibility (i.e. have access to Australia’s public health system) - Minimum entry age: 18 years - Dependant children can be covered up to age 25 if studying full-time You can add or remove family members (spouse, children) during the policy term. Choose from the following types of cover to suit your needs: - Single – Coverage for one person only - Couple – For two adults living together - Single Parent – For one adult and their dependant children - Family – For two adults and their dependant children
What is the price of Latrobe health insurance in 2025?
| Type of cover (household composition) | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Individual (1 insured) | Around $25/month | Around $34/month | Around $48/month | Around $62/month |
| Couple (2 insured) | Around $46/month | Around $63/month | Around $90/month | Around $117/month |
| Single parent family (1 adult + 2 children) | Around $51/month | Around $71/month | Around $101/month | Around $132/month |
| Family (2 adults + 2 children) | Around $67/month | Around $92/month | Around $130/month | Around $171/month |
These rates are for information purposes only. Actual premiums may differ depending on your personal situation and selected options.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs Latrobe health insurance accessible to new arrivals?
Latrobe health insurance is designed for newcomers to Australia, including expatriates, international students, temporary workers, and visitors. This insurance is especially helpful for those who are not yet eligible for Medicare (the public health system), or during their waiting period before having access to public health coverage. It provides financial protection to cover common and unexpected medical expenses during your stay.
Main Coverages Provided
- Medical Consultations and Doctor VisitsCovers fees related to visits to general practitioners (GPs) and, when needed, medical follow-ups. For example, consultations may be reimbursed up to an annual limit or specific amount per visit.
- Prescribed Medicines and TreatmentsIncludes partial or full coverage for prescribed medications listed on the government’s approved medication schedule. Some out-of-pocket costs may remain, but the bulk of essential medicines are supported.
- Specialist CareProvides benefits for seeing medical specialists (e.g., cardiologist, dermatologist) when referred by a GP. Coverage could be based on a percentage of the specialist fee (e.g., 85–100%), subject to policy limits.
- Emergency Dental CareCovers urgent dental treatments in cases of accident or sudden pain. Typically, this is limited to relief from acute pain or the consequences of a dental injury, up to a specified maximum per event.
- Medical TransportationCovers ambulance fees in the event of an emergency requiring transport to hospital. Reimbursement can be full or up to a set limit per incident, depending on the region and policy terms.
- Supplementary Hospitalization and Related ExpensesIncludes a daily allowance or reimbursement for hospital stays due to illness or accident. May also include benefits in case of accidental death to help with repatriation or funeral expenses.
Additional Information
The reimbursement limits and amounts can vary depending on the chosen cover and type of care. Pre-existing medical conditions, elective treatments, and certain high-cost medications might be excluded or subject to a waiting period.
Coverage Duration and Eligibility
Latrobe health insurance for newcomers is usually valid for up to 12 months, with renewal options depending on visa status and residency. Shorter or longer arrangements can sometimes be negotiated based on individual circumstances.
- Applicants typically must be at least 18 years old.
- Maximum entry age may apply (e.g., under 65 at the time of enrolment).
- Coverage is valid for non-residents or those holding a temporary visa (work, study, or visitor) as specified by the policy.
- Insurance must often be taken for the entire duration of stay in Australia, and continuous coverage is required for validity.
- Some plans may not provide benefits outside Australia or may exclude claims for travel to other countries.
It is essential to review your eligibility and the policy wording carefully before enrolling to ensure the level of cover matches your visa requirements and your expected healthcare needs during your stay in Australia.
Does Latrobe health insurance cover seniors?
The Latrobe health insurance option is specifically designed for retirees and older adults who are no longer covered by their workplace’s group insurance. This program is particularly relevant if your group health cover is ending due to retirement or the termination of your collective agreement. With the Health Assurance Pathway program, you can switch from a group insurance plan to an individual health cover without needing to provide extra medical tests or proof of insurability. However, it is essential to apply within 60 days after your group cover ends to be eligible for these simplified acceptance conditions.
The Health Assurance Pathway by Latrobe offers several cover options to suit different healthcare needs and budgets. Here is an overview of the available options:
- Basic Cover: Covers everyday health expenses such as GP visits, prescription medications, and essential blood tests. Suitable for those seeking essential protection without extras.
- Comprehensive Cover: Includes all the benefits of Basic Cover, with added reimbursements for physiotherapy, specialist appointments, and some dental treatments.
- Vision and Dental Option: An optional add-on focused on support for optical services (consultations, glasses, contact lenses) and additional dental care (preventive and curative).
- Extended Cover: Provides higher reimbursement limits on most services, including home nursing care, mental health services, and rehabilitation support.
- Travel Cover: Designed for seniors who travel occasionally, this option includes emergency medical cover when travelling both within Australia and internationally, subject to policy details.
Please note
When moving from a group insurance policy to an individual one with Latrobe, premiums and covered benefits may vary from your previous plan. It is important to review each option’s details to choose the cover that matches your personal healthcare needs and budget.
For more information or assistance with your application, you can contact Latrobe’s customer service team, who are familiar with transitioning retirees to individual health covers.
How does reimbursement work with Latrobe?
| Functionality | Availability | Expert Insight |
|---|---|---|
| Online invoice submission | ✅ | Users can quickly submit medical expense claims online, reducing paperwork and speeding up processing. |
| Mobile app | ✅ | The mobile app allows access to policy details, claims, and documents on the go for added flexibility. |
| Online member area for tracking claims | ✅ | Members can track reimbursement status in real time, providing transparency and better financial planning. |
| Reimbursement simulator | ❌ | Users cannot directly estimate future reimbursements, so need to check policy tables or contact support. |
| Reimbursement turnaround time | 48h | Claims are typically reimbursed within 48 hours, ensuring users receive their money quickly. |
| Add/remove members at no cost | ✅ | Customers can update family composition freely, supporting life changes without unexpected fees. |
| Telephonic access to health professional | ✅ | Members can consult a health expert by phone for advice, improving peace of mind and rapid guidance. |
| Second medical opinion | ✅ | Users can request a specialist’s second opinion for critical cases, aiding confident healthcare decisions. |
| 24/7 travel assistance | ✅ | Continuous travel support is available, ensuring help for members facing medical issues abroad anytime. |
How to contact Latrobe health insurance?
| Contact reason | Contacting Latrobe |
|---|---|
| 🧾 I want a health insurance quote | Request a quote via online form or call 1300 362 144 (Mon-Fri 8:30am-6pm AEST, select option for "Get a quote") |
| 🧾 I need a health insurance certificate | Download your certificate from your online account or call 1300 362 144 (Mon-Fri 8:30am-6pm AEST, select “Membership and documents”) |
| 🩺 I need medical assistance | Call Latrobe Health 24/7 medical support: 1300 362 144 (outside hours select “Medical assistance” in the menu) |
| 🔍 I want to report a claim or track a reimbursement | Login to your online account or call 1300 362 144 (Mon-Fri 8:30am-6pm AEST, select "Claims and benefits") |
Latrobe promo codes
| Latrobe Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% via the comparator |
Note: Promo codes are subject to change. To get the latest promo codes, visit our comparison of the best health insurance options.
FAQ
Who can take out Latrobe health insurance?
Latrobe is not currently a partner of HelloSafe. You can apply directly on Latrobe’s official website, but it is recommended to first compare the different available offers online using our health insurance comparison tool.
Are there age requirements with Latrobe?
Latrobe typically requires policyholders to be at least 18 years old to hold a policy in their name. There may also be age limits for certain types of cover or for joining specific health insurance options, so it is important to check these conditions when applying.
Is it possible to add or remove insured members with Latrobe?
You can add members such as spouses or children to your Latrobe policy, usually during application or by contacting customer service later. Any changes in your family’s circumstances should be updated with Latrobe as soon as possible.
Does Latrobe cover pre-existing medical conditions?
Latrobe health cover generally includes waiting periods for pre-existing conditions. You may need to serve a waiting period of up to 12 months before being able to claim for treatments related to pre-existing medical issues. Exact terms can vary by policy.
What types of health cover options does Latrobe offer?
Latrobe provides a range of health insurance products, from basic hospital and extras cover to more comprehensive combined policies. Plans can usually be tailored to individual or family needs, so you can choose the level of coverage that fits you best.
How can I claim with Latrobe if I need medical treatment?
Members can make a claim with Latrobe either online, through their member portal, or by submitting claim forms via email or mail. Most participating providers allow on-the-spot electronic claiming, making the process easier and faster for policyholders.
Who can take out Latrobe health insurance?
Latrobe is not currently a partner of HelloSafe. You can apply directly on Latrobe’s official website, but it is recommended to first compare the different available offers online using our health insurance comparison tool.
Are there age requirements with Latrobe?
Latrobe typically requires policyholders to be at least 18 years old to hold a policy in their name. There may also be age limits for certain types of cover or for joining specific health insurance options, so it is important to check these conditions when applying.
Is it possible to add or remove insured members with Latrobe?
You can add members such as spouses or children to your Latrobe policy, usually during application or by contacting customer service later. Any changes in your family’s circumstances should be updated with Latrobe as soon as possible.
Does Latrobe cover pre-existing medical conditions?
Latrobe health cover generally includes waiting periods for pre-existing conditions. You may need to serve a waiting period of up to 12 months before being able to claim for treatments related to pre-existing medical issues. Exact terms can vary by policy.
What types of health cover options does Latrobe offer?
Latrobe provides a range of health insurance products, from basic hospital and extras cover to more comprehensive combined policies. Plans can usually be tailored to individual or family needs, so you can choose the level of coverage that fits you best.
How can I claim with Latrobe if I need medical treatment?
Members can make a claim with Latrobe either online, through their member portal, or by submitting claim forms via email or mail. Most participating providers allow on-the-spot electronic claiming, making the process easier and faster for policyholders.
