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COVID-19 Travel Insurance Benefits

15% off travel insurance for Medibank and ahm health members

ski and snow travel insurance international and domestic with medibank

What is COVID-19 travel insurance cover?

A travel insurance policy with COVID-19 benefits includes cover for unforeseen COVID-19-related scenarios, and can help reduce the financial risk of travelling. Benefits can include such things as incidents relating to overseas medical expenses, trip amendments and cancellation costs, and additional expenses.

However, not all COVID-19 policy benefits are the same so it’s important you understand what you are – and aren’t – covered for when it comes to international and domestic travel insurance with COVID-19 cover. 

Cover International Comprehensive Policy International Medical Only Policy Domestic Policy

COVID-19 Overseas Medical Costs ~

$Unlimited

$Unlimited

X

COVID-19 Trip Cancellations and amendments1,2,3

$5,000 limit

X

$2,500 limit

Additional expenses if diagnosed with  COVID-19 on trip and admitted to hospital1,2,3

$Unlimited

$Unlimited

$10,000

Additional expenses if diagnosed with COVID-19 on trip and required to self-isolate1,2,3

$2,500

$2,500

$2,500

 

1 Policies purchased more than 21 days prior to your departure date, provide cover for all COVID-19 related trip cancellations and amendments. Limits apply

Policies purchased 21 days or less, prior to your departure date, include coverage for COVID-19 pre-trip cancellations and amendments for trip expenses paid after the travel policy was purchased. Cover is also provided for trip expenses paid in the 48 hours immediately preceding the travel policy purchase. Limits apply

Please refer to the PDS for more details.

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.

COVID-19 - Buying a policy and pre-trip cancellation

COVID-19 Travel Insurance Cover timing requirements

If you or your travelling companion are diagnosed with COVID-19 and you can’t go on your trip, cover depends on when you purchase your policy.

  • Policies purchased within 21 days of your departure date
    If you purchase your policy within 21 days of your departure date (which is the date shown on your Certificate of Insurance), and then can’t go on your trip because you or your travelling companion are diagnosed with COVID-19, the policy covers the trip costs you paid for after the travel policy was purchased and the trip costs you paid for in the 48 hours immediately preceding the travel policy purchase. What that means is, for example, if you booked and paid for your trip in full 6 months ago and then buy this policy a week before you go, there will be no cover available in this scenario. Claim limits are $5,000 for International Comprehensive plan, and $2,500 for the Domestic plan.
  • Policies purchased more than 21 days before  your departure date
    Policies purchased more than 21 days before  your departure date (which is the date shown on your Certificate of Insurance), provide cover for COVID-19 related trip cancellations and amendments valued up to $5,000 on the International Comprehensive plan, and up to $2,500 on the Domestic plan.

Please refer to the PDS for more details.

Cover for COVID-19 Overseas Medical Expenses + ~

Available on the International plans

Our COVID-19 travel insurance cover can provide cover for your overseas medical costs if you’re diagnosed with COVID-19 by a qualified medical practitioner while travelling. This cover includes costs resulting from overseas medical treatment and ambulance transportation you require when suffering from COVID-19. 

However, we can’t pay for any medical costs resulting from COVID-19 if you’re travelling to a country that is subject to “Do not travel” advice from Smartraveller at the time you enter the country or part of the country.

 

Cover for COVID-19 Cancellations and Amendments+

Available on the International Comprehensive plan and Domestic plans

COVID-19 Cover timing requirements apply.

Cover for COVID-19 cancellations and amendments apply when you or your travelling companion have COVID-19 and cannot travel. 

Situations might include:

  • If you are diagnosed with COVID-19 by a qualified medical practitioner, PCR test or a registered Rapid Antigen Test (RAT) prior to your departure and can no longer travel.
  • If you fall ill with COVID-19 overseas and medical advice is that you need to return home.
  • You’re an essential healthcare worker and your leave is revoked because of COVID-19.

For full details, make sure you check out the PDS

Cover for Additional Expense due to COVID-19+~

Available on the International Comprehensive plan, International Medical Only plan, and Domestic plan

You can’t predict the unexpected. That’s why our COVID-19 benefits could help protect you from a number of scenarios that may result in unexpected costs.

We can provide cover for some additional expenses incurred, such as costs of quarantine or isolation if you’re diagnosed with COVID-19 during your trip, if you pass away on your trip because of COVID-19, or if you need to extend your stay overseas if you’ve fallen ill from COVID-19.

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.

Unfortunately, we can’t pay for any additional expenses resulting from COVID-19 if you’re travelling to a country that is subject to “Do not travel” advice from Smartraveller at the time you enter the country or part of the country.

Remember to check the PDS for full details. For more information, contact 13 23 31.

 

A summary of what we cover

COVID-19 benefits are available on International Comprehensive, Annual Multi Trip, and Domestic policies. Here are some of the things we provide cover for related to COVID-19. Please note, a Special Excess applies in some circumstances, and some benefits are subject to the type of policy your purchase and when you purchase it.

  • Pre-trip cancellation – If you need to cancel or amend your trip before departure, because you or your travelling companion have been diagnosed with COVID-19 by a qualified medical practitioner, PCR test or a registered Rapid Antigen Test (RAT), prior to departure, and can no longer travel. The Cancellations and Amendment benefit is subject to timing requirements.
  • Cover for your on-trip Cancellation and Amendment costs related to COVID-19 if you or your travel partner are diagnosed with COVID-19 on your trip, and are required to quarantine immediately, with the exception of cabin confinement whilst on board a cruise ship, even if your policy includes Cruise Cover. A special excess applies.^
  • Additional Expenses if you are diagnosed with COVID-19 on your trip^
  • If you need to amend or cancel your trip because your non-travelling relative or business partner in Australia or New Zealand is diagnosed with COVID-19 by a qualified medical practitioner and the level of infection is life-threatening (or if they pass away).
  • If your host in Australia or New Zealand is diagnosed with COVID-19 by a qualified medical practitioner and you can no longer stay with them.
  • Cover is provided if your accommodation is shut down or closed because of a COVID-19 outbreak on the premises and hygiene measures are required (Australia and New Zealand only).
  • The destination activity venue (such as ski venue, theme park or musical) is closed because of COVID-19 (Australia and New Zealand only).
  • Overseas medical costs if you’re diagnosed with COVID-19 by a qualified medical practitioner while travelling; including costs resulting from any overseas medical treatment and ambulance transportation you require when suffering from COVID-19. If your trip includes a multi-night cruise, Cruise Cover must have been purchased.
  • Cover for essential health care workers if your leave is revoked by your employer as a result of COVID-19.

^A special excess will apply to Cancellation and Amendment claims, or Additional Expenses claims that are as a result of a COVID-19 diagnosis on your trip. The special excess is $500 for International Comprehensive, or $250 for Domestic. If your claim is under both sections, only the higher special excess will be deducted. This special excess applies in addition to any other applicable excess and is unable to be removed. Limits, sub-limits, conditions, special excess and exclusions apply to COVID-19 travel insurance benefits. See PDS for full details.

Remember, it is important to read the Product Disclosure Statement before you consider purchasing a travel insurance policy

A summary of what we don't cover

The Cancellation and Amendment benefit isn’t available on the International Medical only policy.

Pre-trip Cancellations and Amendments benefits are also unavailable outside of the timing requirements described above. 

It is important to read the Product Disclosure Statement before you consider purchasing a travel insurance policy.

Unfortunately, we can’t cover every scenario that may arise as a result of the coronavirus pandemic. We don’t provide cover for the following things related to COVID-19.

  • Government directed border closures.
  • If the government bans travel to the country or part of the country you are travelling to before or during your trip, such as through “Do not travel” warnings.
  • Mandatory quarantine or self-isolation requirements related to cross border, area, region or territory travel.
     

For full details on our coronavirus travel insurance benefits, please read the PDS here.

Ready to book?

Great, use our handy tool for a quick and easy online quote or give us a call on 132 331 to chat through your options.

Pre-trip FAQs

Remember to check the PDS for full details. For more information, contact 13 23 31.

 

On-trip FAQs

Remember to check the PDS for full details. For more information, contact 13 23 31.

 

Things you should know

This is general advice only.

+Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits, please read our Product Disclosure Statement.

~ Medical cover will not exceed 12 months from onset.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

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