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, so take the time to consider whether travel insurance is right for you
Note: For information relating to policies purchased prior to 12:00am UTC time, 14 July 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 14 July 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, so take the time to consider whether travel insurance is right for you.
The level of cover your policy provides for coronavirus (COVID-19)-related events depends on where you're from – whether it’s South Africa, Japan or Argentina or anywhere else worldwide – but also 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, consider carefully your needs 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.
• 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 coronavirus-related events up to the combined benefit limit for the following:
Cancellation or trip interruption costs: You may be able to claim for cancellation cost, up to the Coronavirus Travel Costs benefit limits, if you have to cancel or cut short your trip because:
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):
If any of these events occur, we'll pay up to the non-refundable portion of your pre-paid travel arrangements or the policy benefit limit, whichever is lower.
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 written confirmation of any compensation that has been offered to you or denied.
NOTE: The maximum amount we will pay for all claims combined under the Coronavirus Travel Costs section is US$2,000, as shown in the Summary of Cover in the policy wording. This benefit is not available with the Standard Plan.
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.
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, 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. We’re available:
For policies purchase on or after 2 December 2018:
For policies purchased before 2 December 2018:
Coronavirus (COVID-19) and travel - Need to know before you buy
Our policies provide cover for some coronavirus-related events. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the US Department of State has issued a ‘Do Not Travel’ warning for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.