Important Notice
Any diagnosis of COVID-19 whether this be in Australia or overseas, must be made by a medical professional or government testing program. This would include diagnosis by Your local health authority or the relevant overseas health authority for the country You are travelling in.
We have outlined the most common scenarios that could be raised by our customers below. Please contact us if you have any questions or require any further information or clarification on cover. Customers always have a right to lodge a claim for consideration under their policy, which will be considered in line with policy terms and conditions and their individual circumstances.
Am I covered for medical expenses if I am diagnosed with COVID-19 during my trip?
- Domestic – No medical expenses are covered in Australia as we are prevented from paying by reason of statutory legislation/government regulation.
- International – Yes, Your reasonable overseas medical and hospital expenses are covered, unlimited and subject to full policy terms and conditions.
Am I covered for funeral and emergency expenses if I die from COVID-19 during my trip?
- Domestic – No medical expenses are covered in Australia as we are prevented from paying by reason of statutory legislation/government regulation.
- International – Yes, If You, Your Children or Grandchildren die while overseas, we will pay the reasonable cost incurred, up to $20,000, for either the funeral, cremation or the return of Your remains, subject to full policy terms and conditions.
What if I am diagnosed with COVID-19 on my trip and I need to quarantine or self-isolate are my emergency expenses covered?
Yes, You are covered up to the policy limit depending on the plan you have selected, subject to full policy terms and conditions.
Am I covered for COVID-19 if I am travelling on a multi-night international or Australian Cruise?
- International – Yes, only if You select Yes to ‘Going on a cruise’. Please note that this is an optional extra that will be subject to an additional fee.
- For Australian cruises, You will need to select Australian Cruises as a Destination, select Yes to 'Going on a cruise?', and this will fall under an International Policy. Please note that this is an optional extra that will be subject to an additional fee.
Am I covered for Cancellation Fees and Lost Deposits if I am diagnosed with COVID-19 and I need to cancel my trip?
Yes, You are covered up to the applicable limit depending on the plan you have chosen, subject to the full policy terms and conditions.
Am I covered for loss of enjoyment of my cruise or holiday, if I am required to isolate or quarantine due to COVID-19 whilst on my holiday?
No, all policies have a General Exclusion for any Consequential loss which includes loss of enjoyment and as such there is no cover for loss of enjoyment.
Am I covered if I need to quarantine or self-isolate once I enter a region/country based on the government or state regulations?
All policies have a General Exclusion relating to claims directly or indirectly arising from any government or public health authority mandatory quarantine or isolation order imposed on You related to border, region or territory travel in response to COVID-19. Please check with local government and public health authorities prior to Your departure.
