Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.
Travel Insurance Direct

Get going with next level Covid cover

TID takes Covid cover to the next level with more than just medical cover if you catch covid.  From minibar snacks in quarantine to caring for your furry friends, let's help you focus on the fun.

Wondering if a Covid test tickles more overseas?

Covid has changed travel for everyone so if you're ready to take off to another land, it’s more important than ever to know exactly what you may be covered for (and not) before you go.

Learn how we can help cover you if you get Covid-19

Is Covid cover available on all plans?

Cover for some Coronavirus related events is available on all our plans, but the level of benefits vary between them. This means you should take the time to compare plans and benefit levels against your planned travel.

As much as we’d love to cover every Coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the PDS carefully to know what is, and isn’t, covered.

  • Overseas Medical Benefit: If you get sick with Covid on your journey, TID plans (excluding Domestic) include cover for medical expenses incurred overseas;

  • Coronavirus travel costs: Our Coronavirus travel costs benefit is available on The Works, Annual Multi Trip, and Domestic plans, and it offers cover for several Coronavirus related events, some of which include cover for quarantine expenses, trip cancellation and caring for your furry friend back home.

Comprehensive Overseas Insurance (The Works)# Budget Overseas Insurance (The Basics)# Domestic# Annual Multi-trip#
Medical Expenses Overseas (includes Coronavirus)^ Unlimited Unlimited Not available Unlimited
Coronavirus Travel Costs $2,500 Not available $2,500 $2,500
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^Up to one year from the date of injury or illness. Subject to all terms and conditions for existing medical conditions.
#Benefit limits are for a single plan.

Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read our PDS and TMD.

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Frequently Asked Questions

Can I add Coronavirus cover to my policy after I’ve purchased?

Our international policies can offer cover for emergency overseas medical expenses and medical evacuation and repatriation following a serious injury or sudden illness; this includes coronavirus, subject to all policy terms, conditions, limits, and exclusions. However, if the plan you already purchased doesn’t include the benefit section ‘Coronavirus Travel Costs’ (which offers some cover for eight specific coronavirus-related events), contact us for assistance.

We are not able to change the plan issued after purchase, but, provided you have not used your original policy, and do not need to make any claim, we may be able to assist with issuing a replacement policy and providing you with a refund of your original premium. It is important to remember that this would be a new policy, subject to the policy terms conditions and pricing in effect at the date it is issued and would not offer cover for any event that has already occurred.

What do I do if my test hasn’t come back in time, and I need to cancel my trip?

If you need to cancel or rearrange your travel arrangements, even at the last minute, don’t delay in speaking with your airline or other travel providers to minimise any potential cancellation costs or fees.  If you booked through a travel agent, they may be able to assist you with this, too. 

If you do need to make a claim, the cover available will depend on your individual circumstances, as well as the plan you have purchased. For us to assess if cover can apply, you’ll need to submit a claim along with all supporting documentation. Remember, if you are required to take a test prior to travel, it is important to allow sufficient time for results to come back.

What do I do if I get a PCR test BEFORE I’m due to travel and it’s positive?

  • Cover may be available if you are unfit to travel due to contracting COVID-19, depending on the plan you have purchased, and the facts of your claim - check the policy you have purchased and if it has Coronavirus Travel Costs cover. We assess all claims on a case-by-case basis.
  • Speak with your travel providers, you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. 

Please note, if you’re already travelling and need to make changes to a flight change or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider.  If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. 

Do I need medical proof of my positive COVID-19 result if I need to cancel my trip?

Yes. You will need to provide documentation to support the circumstances of your claim. We understand that the type of documentation you are able to provide may vary and assess every claim on a case-by-case basis.

You should submit as much information as you’re able to along with your claim, this will help us to assess your claim in a timely manner and reduce the possibility that we may need to ask you for further information. Information you supply may include:

  • PCR Test demonstrating that at the time you were due to travel, you had an active case of COVID-19;
  • Proof you were subject to mandatory isolation at the time you were due to travel due to a registered RAT (Rapid Antigen Test) result;
  • Letter from medical practitioner confirming you are medically unfit to travel due to COVID.

Don’t forget to contact your travel service providers as well, as you’ll also need to demonstrate that you have requested to refund or reschedule your arrangements, and what your out of pocket costs are. Remember, not all of our plans cover pre-trip cancellation for COVID-19.

Do you accept a positive RAT test as evidence?

The type of evidence required to support any claim will vary. It is best to obtain as much information as you can to support any potential claim. Depending on the scenario, a Rapid Antigen Test may be sufficient, however, in order to confirm the facts of your claim, we’ll look at what is reasonable in the situation, and may need additional information.

You should also adhere to applicable government advice and register the results of any positive Rapid Antigen Test as required.

What do I do if I get Coronavirus (COVID-19) on my trip?

  • Contact our Emergency Assistance team. Utilising a global network, they can connect you with local medical facilities, and provide access to translation services. They can also assist by getting in contact with friends and family where needed.
  • Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities.
  • Follow advice – different countries have different laws and customs. What’s ok in Australia may not be ok in the countries you visit.
  • All our international plans include emergency overseas medical cover if you get sick with Coronavirus while travelling.

What do I do if I get COVID-19 before my trip?

  • Isolate! And seek the relevant medical attention.
  • Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
  • If you purchased TID’s The Works or Annual Multi Trip plan, you may be able to make a claim for non-refundable travel costs or some additional travel costs under the Coronavirus Travel Costs section of the policy.

If I need medical treatment overseas, will you only pay up to $2,500?

If you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it’s not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is available up to the Overseas medical expenses benefit limit. Just make sure you contact our Emergency Assistance team so they can help.
The Coronavirus Travel Costs benefit (for other non-medical coronavirus related events) has a limit of $2,500 limit per adult traveller and is not increased for accompanying children; this is separate to the benefit limit available for Overseas medical expenses.

Need to make a claim?

Sorry to hear your trip didn’t go as planned. At least making a claim is a simple online process. Get started here.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.