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Important Information Regarding COVID-19 and Travel Insurance
The Australian Government on 18 March 2020 raised its travel advice to level 4: Do not travel overseas at this time.
The current situation around COVID-19 may have raised some questions about what your Medibank Travel Insurance covers you for. We have answered some commonly asked questions below. If you are still looking for answers however, please contact our customer support team on 1300 362 544.
You can also find the latest information and warnings at smartraveller.gov.au.
No, you will not be covered for claims related to COVID-19 if you purchased your policy on or after 21 March 2020.
Our policies come with the condition that you are not aware of any circumstance which is likely to cause a claim under your policy.
As the Australian Government announced a travel ban from 21 March 2020 and effectively closed its borders, we consider that by this date the COVID-19 pandemic was a known event worldwide, regardless of where you were travelling to. Therefore, policies purchased on or after 21 March 2020 will not cover claims related to COVID-19.
The COVID-19 pandemic was present and known in certain countries during this period. Therefore, our claims team will consider DFAT (Department of Foreign Affairs and Trade) travel advice in place at the relevant time and travel destination in order to assess coverage under your policy.
If you purchased an international travel policy prior to 23 January 2020 your policy will cover overseas medical expenses if you’re hospitalised due to contracting COVID-19 whilst overseas.
You will also have cover for additional expenses and trip cancellation expenses on domestic and international comprehensive policies if your travel plans have been impacted by the pandemic and the Australian Government’s ‘Do Not Travel Advice’.
If you do have to cancel your trip, please contact your travel provider in the first instance as many major airlines, hotels and tour companies have recently changed their cancellation policies and are providing travel credit or full refunds.
If your travel provider is not providing travel credits or refunds, you should refer to your Product Disclosure Statement to check your level of cover and see if your policy covers the non-refundable costs associated with your travel plans.
Unfortunately, you will not be covered for cancellation costs if you have a Medical Only Plan.
You may be eligible for a credit note or refund on your policy if ALL the following apply to you:
- You have a domestic or international single-trip policy and your trip's been affected by the COVID-19 pandemic
- Your departure date (shown on your Certificate of Insurance) is between 24 March to 17 December 2020
- You never left for your trip
- You haven’t made a claim, and you won’t make one for this policy in the future.
If ALL of the above apply, you are yet to cancel your policy and would like a credit note:
Contact us at firstname.lastname@example.org so we can assess your eligibility and organise this for you.
Credit is for 100% of the value of the policy and valid for two (2) years from the original date of departure.
If you choose a Credit Note and you change your mind at a later date, you are still eligible to receive a full cash refund and the Credit Note will be considered void. Please note that Credit Notes will be valid for two (2) years from the original date of departure.
If you would prefer to apply for a refund, please complete our online form and confirm your details so we can assess your eligibility.
Applying for a credit note or refund will cancel your policy and as a result no future claims can be made on the policy.
Customers who have already received a partial refund may be eligible for a top-up refund if the above criteria are also met. For these refunds, you do not need to do anything. We will facilitate this on your behalf.
If you’d like to speak to one of our customer service team about a possible Travel Insurance refund or would like a refund on an Annual Multi-Trip policy, please give us a call on 1300 362 544.
Once you've requested your credit note or refund, we'll assess your eligibility and process it as soon as we can (usually within 3 weeks). The refund will be sent to the same card you used to pay for your policy.
If there are any issues with processing your refund, we'll contact you.
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 available from Medibank stores or medibank.com.au/travel to decide if this product is right for you.
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