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If your travel plans have changed as a result of COVID-19 and your departure date is between 24th March and 30thSeptember 2020 you may be eligible for a credit voucher to the same value of your original insurance policy.
To request a Medibank Travel Insurance credit, please fill out our credit request form.
Who is eligible?
This credit offer is available for all Medibank Travel Insurance policy holders with an unused policy who cannot travel due to COVID-19 and the Australian Government’s level 4 travel restrictions.
Who is not eligible?
The travel credit offer cannot be redeemed if you use the original policy in any way, such as:
- you have started your journey or intend to travel on the policy;
- a claim is submitted, or you intend to claim on the policy
- you want to exercise any other right under the policy; or
- the policy is cancelled before the credit is redeemed.
- Is valid for 24 months from the date of departure of the policy you have cancelled and must be used within 24 months of the original date of departure.
- It is non-transferable and can only be redeemed by the person listed on the credit note. Any unused monies will be forfeited on the expiry of the credit voucher.
- The credit voucher is valid for multiple transactions up to the value stated on the voucher. If the premium of the new policy is greater than the voucher, you must will need to pay the difference.
- The Terms and Conditions of the new policy may differ from those of the cancelled policy. Therefore, any Existing Medical Conditions you have, or additional cover requirements will need to be reassessed at the time of the new policy being issued.
If you 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 credit or refunds, you should refer to your Policy Disclosure Statement to check your level of cover and see if your policy can cover 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.
It’s important to note that cover for cancellation costs will only be provided if your policy was issued at a time when the circumstances causing you to amend or cancel your trip were unforeseeable.
What do you mean by “at a time when the circumstances causing you to amend or cancel your trip were unforeseeable”?
On 23 January 2020, COVID-19 was widely reported in the media. This is an important date that impacts your travel insurance.
If you purchased travel insurance before 23 January 2020
For China, you will be covered for cancelling/amending your travel for travel before 23 May 2020.
For any other country, if the country is not on the Australian Government’s DO NOT TRAVEL list, you will not be covered for cancelling/amending your travel.
For any other country, if the country is on the Australian Government’s DO NOT TRAVEL list, you will be covered for cancelling/amending if travelling before 1 April 2020.
If you purchased travel insurance after 23 January 2020
As COVID-19 was widely reported in the media and became a known event, this meant that the circumstances causing you to amend or cancel your trip as a result of COVID-19 were reasonably foreseeable
How this impacts you depends on a number of factors such as when you purchased your travel insurance, and where you were or are travelling to. The Australian Government’s announcement on 18 March 2020 to raise its travel advice to level 4: Do not travel overseas at this time, will also have an impact.
If you want further information please contact us on 1300 362 544.
If you were to travel to China after 23 May 2020 or to elsewhere in the world after 1 April 2020
Cover for cancellation and amendments will depend on a number of factors such as when you purchased your travel insurance, where you were or are travelling to. The Australian Government’s announcement on 18 March 2020 to raise its travel advice to level 4: Do not travel overseas at this time, will also have an impact.
If you want further information please contact us on 1300 362 544.
What if I have a Multi-Trip policy?
A Multi-Trip policy will take into account when the first part of your travel was booked.
Medibank Travel Insurance policies cover you for ‘Overseas Medical and Hospital Expenses’ as well as ‘Additional Expenses If You Become Sick’.
It is a condition of your policy however that you take all reasonable steps to prevent or minimise a claim. Therefore, you may not be covered if you travel to a destination listed on DFAT’s Do Not Travel advice. Claims will be assessed in accordance with your policy and will take into account when you purchased your policy, where you travel and the dates of your trip.
We expect customers to stay updated on the Australian Government’s travel advice and warnings which you can view on smartraveller.gov.au.
If you contract COVID-19 and are quarantined overseas
There is cover for your reasonable ‘Additional’ accommodation (room rate only) and transport expenses.
If you do not contract COVID-19 and are quarantined overseas
You will be covered for reasonable ‘Additional’ accommodation costs and transport expenses.
As this situation is constantly changing, we recommend you visit the Australian Department of Health for up-to-date information regarding COVID-19.
We are constantly monitoring the situation ourselves and will continue to provide updated information regarding travel insurance.
If you do plan to travel, please stay informed with travel advice via smarttraveller.gov.au.
We also encourage you to contact your own airline or accommodation or tour operator to check what they can provide under these circumstances.
Our travel insurance is designed for the leisure traveller and typically does not cover events linked to employment overseas. In most circumstances, if you suffer an injury on-the-job you may be entitled to seek compensation from your employer in the first instance.
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 issues the insurance on behalf of the insurer. The issuer is Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please review your own needs and consider 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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