For information relating to policies purchased prior to 17 June 2021, 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 17 June 2021 please see below.
So, you’ve had enough of lockdown 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 traveling with get sick with COVID-19 while on the road, our travel insurance may help you with:
• Hospitalisation
• Prescribed medication
• Doctor’s visits
• Repatriation to your home, if deemed medically necessary; and
• If the worst happens – repatriation of your remains or local cremation or funeral overseas and when necessary, costs for your next of kin to travel with your remains.
It's important to note you need to contact our 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.
In addition to the emergency overseas medical and evacuation cover, on our Explorer Plan, we may offer cover under our 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 cancellation cost, up to the Coronavirus Travel Costs benefit limits, if you have to cancel your trip because:
Note: A 48-hour time excess (waiting period) applies from the issue date of your Certificate of Insurance for the Coronavirus Travel Costs pre-trip cancellation cover benefit in the Coronavirus Travel Costs section.
Child and pet care costs: If you get sick with COVID-19 while overseas and you can't look after your children or pets, we may be to help with:
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: We will not pay more than €1,250 per person; 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.
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 AUD was $28,953.45.
Travel insurance isn’t designed to cover everything. Common claims scenarios where there's no cover include:
Any exclusions in the Specific Exclusions sections and the General Exclusions sections of the policy
This is not a full list of what's covered and not covered. There are terms, limits, conditions 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.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check government travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel. NOTE: A 48-hour waiting period (time excess) applies to some Coronavirus-related cancellation cover; other waiting periods may apply.