Travel insurance cover and Coronavirus
Find out what you can get cover for if you get ill with Coronavirus while travelling Travel Alert: Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check for restrictions at your destination(s) as these may impact cover, or your ability to travel.
Coronavirus has changed travel for everyone and even though you might be ready to hit the road (or sky), it’s more important than ever to know exactly what you may be covered for (and not) before you go.
Does my Travel Insurance cover Coronavirus?
Learn more about how our products include cover for some coronavirus related events.
Is Coronavirus (COVID-19) cover available on all plans and what are the benefits?
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.
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Overseas Medical Benefit: If you get sick with Coronavirus while on your journey, Travel Insurance Direct’s plans (excluding Domestic) include cover for medical expenses incurred overseas;
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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 and trip cancellation.
Travel Insurance Direct travel inurance cover for Coronavirus
| Comprehensive Overseas Insurance (The Works)# | Budget Overseas Insurance (The Basics)# | Domestic# | Annual Multi-trip# | |
|---|---|---|---|---|
| Medical Expenses Overseas (includes Coronavirus)^ | Unlimited | $5,000,000 | Not applicable | Unlimited |
| Coronavirus Travel Costs | $2,500 | Not available | $2,500 | $2,500 |
| Get a quote | Get a quote | Get a quote | Get a quote | |
| ^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. | ||||
Frequently Asked Questions
What do I do if I get Coronavirus (COVID-19) on my trip?
- Contact our Emergency Assistance team. Utilising a global network of medical providers, they can connect you with local medical facilities, and help you navigate local customs. 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?
Rest assured that 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 Medical 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 for a single policy (and $5,000 for a family policy); this is separate to the benefit limit available for Medical Expenses Incurred Overseas.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.The above has been written to guide you and does not replace the PDS which contains all terms, limits, conditions and exclusions that apply.