Travel Insurance Direct

Domestic travel insurance cover and Coronavirus

Find out what you’re covered for if Coronavirus impacts your trip
Travel Alert: Cover is not available for loss arising from government restrictions including travel bans, border closures and broadly imposed quarantine requirements, or failure to follow government advice. If your travel is affected by government restrictions, we have options available if you no longer need your policy. See our travel alerts.

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 the Domestic travel insurance plan cover Coronavirus (COVID-19)?

Our Domestic plan offers cover for eight specific Coronavirus related events, some of which include cover for cancellation and quarantine expenses. 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 as the below information is a summary.

What's Covered:

  • Your non-refundable pre-paid travel costs incurred if you have to cancel your trip when you or a member of your travelling party are diagnosed with Coronavirus (COVID-19).

  • The non-refundable pre-paid travel arrangements of our Healthcare workers, Residential Care workers and Law Enforcement Officers if their pre-approved leave is cancelled due to Coronavirus.

  • Your non-refundable pre-paid travel costs if your business partner or close relative is hospitalised or dies from Coronavirus and you have to cancel your trip.

  • When your pre-booked accommodation is closed for cleaning following a confirmed case of Coronavirus at the accommodation, we can pay towards accommodation nearby; just make sure you get written confirmation from the accommodation provider of their closure.

  • If you’re denied boarding pre-paid public transport because you’re suspected of being infected with Coronavirus, we can cover your reasonable additional travel, meals and accommodation. Don’t forget to get written confirmation from the carrier.

  • Costs for your compulsory quarantine during your trip as a result of your or a member of your travelling party’s diagnosis or confirmed close contact with a case of Coronavirus – cover for your costs like hotel, meals and most importantly, Netflix!

  • Your extra childcare costs if you’re diagnosed with Coronavirus during your trip - the ability to entertain the kids in a hotel room may be hindered if you’re unwell.

  • Your extra costs for care of your pets back home if you’re diagnosed with Coronavirus during your trip - we understand that hotels for our furry friends aren’t cheap!

What we don't cover:

  • Losses arising from government intervention or regulation, including travel bans and border closures.

  • Risky business – just because you’ve got a face mask doesn’t mean you should be travelling into a Coronavirus hotspot or visiting someone you know has contracted the virus.

  • The purchasing of a policy after you become aware of circumstances that may likely lead to a claim.

  • Ignoring a doctor’s advice that you are not well enough to travel and travelling anyway – many of us have probably hopped on a plane with the sniffles before, but times have changed.

  • Hotel quarantine that’s a known requirement when returning home from another part of Australia – make sure you research this when planning your trip by checking out health.gov.au.

Frequently Asked Questions

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.
  • 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.

How much am I covered for under the Coronavirus Travel Costs benefit?

Under the Domestic plan, the Coronavirus Travel Costs benefit has a combined benefit limit of $2,500.00 for a single policy and $5,000 for a family policy.

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.