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.
Learn more about how our products include cover for some Coronavirus related events.
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.
|Comprehensive Overseas Insurance (The Works)#
|Budget Overseas Insurance (The Basics)#
|Medical Expenses Overseas (includes Coronavirus)^
|Coronavirus Travel Costs
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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.
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.
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.
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.
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:
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.
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.
Planning is the key to being better prepared for travelling while COVID-19 continues to impact travel.
Knowing what you’re covered for, what to do and who to contact in the event of a positive COVID-19 diagnosis during your trip will help navigate these potentially new situations for many travellers:
Here are a few tips that may assist you:
Before you go
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.