If you’re diagnosed with COVID-19 at home and cannot travel, your cover for non-refundable cancellation costs depends on when you bought your policy and which plan you purchased.

Cover details:

You can claim your cancellation or amendment costs for your prepaid trip only if you have purchased an International Comprehensive Plan or Domestic Plan policy.

If you purchased your policy MORE THAN 21 DAYS BEFORE your scheduled departure date, you can claim your prepaid trip costs up to a benefit limit of $5,000 per policy on an international plan or $2,500 per policy on a domestic plan.

If you purchased your policy WITHIN 21 DAYS of your departure, you can claim your prepaid trip costs if they were paid for after, or in the 48 hours prior to, the policy being purchased.

If you purchased an International Medical Only Policy, there is no cover for pre-trip cancellation or amendment costs at all.

Cover conditions:

• This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a PCR test or a rapid antigen test (RAT) or by a medical practitioner).
  
• There is no cover if symptoms or diagnosis occurred prior to buying your policy.
• Your trip can be to any destination in the world.
• Pre-booked cruises included.

Unfortunately no cover is provided if you are deemed to be a close contact and must isolate and can therefore no longer go on your trip. 

Unfortunately not. Cancelling a trip is always disappointing. If you booked your trip to a destination deemed safe to travel by the Australian Government and purchased Medibank Travel insurance, but prior to travelling that destination is now under a ‘Do not travel’ warning on smartraveller.gov.au, you may need to cancel your trip due to the risks of travel. There is no cancellation cover when cancelling your trip due to COVID-19 related travel warnings, regardless of the warning level.

General Exclusion:

• Claims arising from any government intervention, prohibition, regulation or restriction or court order.
  
• Claims directly or indirectly arising from or caused by COVID-19 in this event.

If you test positive to COVID-19 at the airport/port and are denied boarding, your cover depends on when you purchased your policy and which plan you purchased.

Cover details:

If you purchased your policy MORE THAN 21 DAYS BEFORE your scheduled departure date, you can claim your prepaid trip costs up to a benefit limit of $5,000 per policy on an international policy or $2,500 per policy on a domestic policy.

If you purchased your policy WITHIN 21 DAYS of your departure, you can claim your prepaid trip costs if they were paid for after, or in the 48 hours prior to, the policy being purchased.

If you purchased an International Medical Only Plan there is no cover for pre-trip cancellation or amendment costs in this scenario.

Cover conditions:

• This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a PCR test or a rapid antigen test (RAT) or by a medical practitioner).
• There is no cover if symptoms or diagnosis occurred prior to buying your policy.
• Your trip can be to any destination in the world.
• Pre-booked cruises included.

If you get sick with COVID-19 on your journey and need to extend your stay to self-isolate (and are not hospitalised), you may be able to claim the cost of additional accommodation and transport.

Cover details:

Yes, cover applies for this event and is available for additional accommodation and additional transport expenses for you to “stay put”. Cover up to $2,500 on all plans.

Please note, there is no cover for this event if your COVID-19 diagnosis requires you to enter a period of cabin confinement while on board the cruise ship, even if your policy includes Cruise Cover.

Additional benefits cover applies to all Medibank travel insurance policies. 

Cover conditions:

Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. However, for trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.

This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a PCR test or a rapid antigen test (RAT) or by a medical practitioner).

No costs or expenses are covered if a quarantine or isolation order is placed on you by a government or public health authority.

Other expenses you may incur (such as food, drinks, groceries, laundry etc.) are not included.

Special excess – In addition to your chosen excess or the excess on the Domestic plan, a special excess will apply to:

• Cancellation and Amendment Fees if you or your travelling companion are diagnosed with COVID-19 on your trip (International Comprehensive – $500, Domestic – $250).
• Additional Expenses if you are diagnosed with COVID-19 on your trip (International Comprehensive or Medical Only – Domestic – $250). 

If your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess. You cannot remove this special excess. What that means is, for example, if you chose a $250 excess on the International Comprehensive plan and claim for additional accommodation costs and cancellation costs because you were diagnosed with COVID-19 on Your overseas trip, we would deduct an excess of $750 in total from Your claim. ($250 excess+ $500 special excess).

For full details, make sure you check out the PDS.

Yes on the International Comprehensive and International Medical Only plans, cover is available if you’re diagnosed with COVID-19 by a qualified medical practitioner and require medical treatment overseas.

Non-cruise travel: Yes, cover is available.

Cruise travel:  Yes, cover is available for overseas emergency medical expenses and ship-to-shore expenses if Cruise Cover is included in your policy.

There is no cover for medical expenses on the Domestic plan.

Cover conditions

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country.
• For trips in Australia or New Zealand the smartraveller “Do not travel” condition here will be waived.
• Subject to medical certification.