For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
So, you’ve had enough of border closures and lockdowns and want to start planning your next trip... but you're worried about COVID-19 and if your travel insurance will cover your expenses if you catch it. It’s smart to be prepared and taking the time to make sure you've got the travel insurance coverage you think you might need is always a good idea.
The level of COVID-19 cover depends on where you’re from and which plan you select. We have two plans, Standard and Explorer, and the level of cover and benefit limits vary depending on which you purchase.
As our plans vary, check carefully the level of cover you think you might need, and purchase the right level of cover for you and your travel plans. If you, your friends or your family you’re travelling with get sick with COVID-19 while on the road, our travel insurance may help you. On the Standard and Explorer Plan, we offer cover for:
It's important to note you need to contact our 24/7 Emergency Assistance Team before making any plans, regardless of whether you’re already receiving treatment and what your treating doctor says. They can guide you to appropriate local medical facilities, help set up direct payments so you’re not out of pocket, and help you navigate local customs. Their network has a global reach, so wherever you are, they can help.
If you have private health/private medical insurance that covers you when you are abroad, you will first need to contact your health/medical insurer and follow their emergency assistance procedures. Notify us once your health has stabilised so we are aware of your situation. If you are eligible for medical services in Europe under your European Health Insurance Card (EHIC), you will need to seek care under EHIC arrangements before claiming on your travel insurance.
In addition to the emergency medical expenses abroad and evacuation cover, on our Explorer Plan we offer cover under the Coronavirus Travel Costs section for some COVID-19 related events up to the combined benefit limit for the following:
Cancellation costs: You may be able to claim for your cancellation costs, up to the Coronavirus Travel Costs benefit limit, if you have to cancel or curtail your trip because:
Child and pet care costs: If you get sick with COVID-19 while abroad and you can't look after your children or pets, we may be able to help with your:
Other Coronavirus Travel Costs benefits (Explorer Plan only):
There are terms, conditions, exclusions and limitations relating to all these scenarios, and you will be required to provide us relevant proof such as medical diagnoses, receipts and other written confirmation of any compensation that has been offered to you or denied.
NOTE: There is a combined benefit limit applicable to all claims made under this section; the maximum amount we will pay for all claims combined under the Coronavirus Travel Costs section is shown under Summary of Cover for the plan you have selected in your policy wording.
You should also read what we won't cover in the Specific Exclusions to the Coronavirus Travel Costs section and the General Exclusions which are applicable to all sections.
Traveller Tale:
“Our family of Nomads were in the UK when they got ill and were unable to travel on. As the hospital system wouldn't admit them as it was overwhelmed with Coronavirus cases they had to find help elsewhere. Our EA team facilitated payment for a doctor to see them in their hotel, and a nurse to visit daily to administer their treatment, they also helped reschedule their flights through their airline.” Australian family visiting the UK - Claim Paid was AUD$28,953.45.
Travel insurance isn’t designed to cover everything. Common claims scenarios where there's no cover include:
This is not a full list of what's covered and not covered. There are terms, conditions, limitations and exclusions that apply, so for more information, read your policy carefully before you buy and if you’ve still got a question, get in touch.
We’re here to help if you have a question about travel insurance. We’re available:
For policies purchase on or after 2 December 2018:
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For policies purchased before 2 December 2018: