Home / Travel Insurance / COVID-19 Benefits

Coronavirus Travel Insurance Benefits

COVID-19 NOTICE: Travel restrictions and social distancing rules may remain as a result of the global coronavirus pandemic. Because of this, the below content may reference activities travellers cannot currently partake in and therefore is for informational purposes only. For the latest information on COVID-19 and travel restrictions, please visit trusted sites such as smartraveller.gov.au.

Family going on holiday at airport wearing face masks

Looking for travel insurance that covers coronavirus? From 9 December 2020 onwards, if you buy a new policy on our international, inbound, and domestic plans, you’ll receive cover for several COVID-19 travel insurance benefits.

When it’s safe to do so, and when you’re ready to travel again, so are we. Whenever you’re able to escape the everyday and explore the natural beauty of Australia or an overseas destination Smartraveller marks as safe during the current coronavirus pandemic, our Cover-More travel insurance for coronavirus can help give you peace of mind and extra confidence to book the trip you’ve been longing to take.

Our Best COVID-19 Travel Insurance Benefits

From 9 December 2020, new policyholders will now receive the below extended travel insurance cover for some common scenarios relating to COVID-19:

overseas medical expenses icon

Cover for COVID-19 Overseas Medical Costs*#~

When travel restrictions are eased, our international and inbound plans provide cover for medical treatment expenses incurred overseas if you’re diagnosed with COVID-19 by a qualified medical practitioner while on your journey*.

COVID-19 Cancellation

Cover for COVID-19 Cancellations*

Our domestic and international plans provide cover for several unforeseeable amendment and cancellation costs relating to COVID-19 if you have added our cancellation cover to your policy. Please note: if you can’t travel because of border closures or lockdowns, this type of claim is not covered.

Wallet icon

Cover for Additional COVID-19 Expenses*#

Our domestic and international plans provide cover for a variety of additional costs should you find your trip plans are cut short or need to change because of various COVID-19-related reasons (not including border closures or lockdowns, though).

 
 

 

Our COVID-19 travel insurance benefits also provide cover for unexpected travel delays and disruptions for special events relating to COVID-19 if you’re travelling within Australia or New Zealand. To find out what we do – and don’t – cover under these sections, check out the Product Disclosure Statement (PDS).

Our Cover-More COVID-19 Overseas Medical Expenses Cover*~#

We understand many Australian travellers are concerned about the financial impact of catching coronavirus while they’re outside Australia.

To help ease your worries and help keep you travelling when – and where – it’s safe to do so, as the government starts to lift travel restrictions, our Cover-More travel insurance coronavirus benefits can provide cover for your COVID-19-related overseas medical costs*.

This cover applies if you’re diagnosed with COVID-19 by a qualified medical practitioner during your journey and includes cover for costs resulting from any medical treatment and ambulance transportation you require when suffering from COVID-19.

We cannot pay for any medical costs resulting from COVID-19 if your claim is related to you having travelled on a multi-night cruise or 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.

Our Cover-More COVID-19 Amendment or Cancellation Costs Cover*

We always advise travellers consider buying their travel insurance policy as soon as they book their trip, and this advice remains true during the current coronavirus pandemic, too. When you purchase a domestic or international travel insurance policy with added cancellation cover early on, you immediately have cover provided for several amendment and cancellation costs*.

If you’re travelling within Australia or overseas on an international, inbound or domestic policy, we can provide cover for a number of COVID-19-related cancellation and amendment situations*.

This may include:

  • If you are diagnosed by a qualified medical practitioner with COVID-19 prior to your departure and can no longer travel.
  • You need to cancel or amend your trip as a non-travelling relative or business partner in Australia or New Zealand contracts COVID-19 and is a life-threatening condition.
  • You’re an essential healthcare worker and your leave is revoked because of COVID-19.

For full details on our travel insurance that covers coronavirus cancellation and amendment costs, see the PDS or visit our  COVID-19 travel insurance FAQs page.

We hope this gives you extra confidence to book an upcoming trip knowing some COVID-19 cancellation cover is included in your travel insurance policy.

Suitcase packed for holiday, including face masks

Our Cover-More COVID-19 Additional Expenses Cover #

It doesn’t matter how much time and effort you put into planning your trip, the unexpected can always happen when you’re away from home – even more so during a global pandemic.

To help you navigate several unexpected costs that may arise from COVID-19, our Cover-More travel insurance coronavirus benefits can help protect you from several scenarios that may result in unexpected costs.

If you’re an international or domestic travel insurance policyholder, we can provide cover for several 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 amend your trip because your non-travelling relative or business partner residing in Australia or New Zealand become sick because of COVID-19.

We cannot pay for any additional expenses resulting from COVID-19 if your claim is related to you having travelled on a multi-night cruise or 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.

Please refer to the PDS and check out our COVID-19 FAQs page for full details on benefit limits and what is and isn’t included, as unfortunately we cannot cover everything (including border closures).

Coronavirus Travel Insurance FAQs

Got a question about our Cover-More coronavirus cover? Visit our COVID-19 FAQs page for answers to our customers’ common questions.

Alternatively, you can call our friendly team on 1300 72 88 22.

What Doesn’t Cover-More's Travel Insurance Coronavirus Benefit Cover?

Unfortunately, our travel insurance that covers coronavirus can’t cover absolutely every scenario that may occur because of the global pandemic. We encourage you to read the PDS and check out our COVID-19 FAQs page before you consider purchasing our travel insurance to ensure it’s adequate for you and your trip.

We will not pay for any claims arising from or caused by COVID-19 if:

  • you incur costs or expenses due to mandatory quarantine or isolation orders required to cross a border, such as a border between states, countries, or regions.
  • the government bans travel before or during your trip, such as: “Do Not Travel” travel warnings; government directed border closures; or mandatory quarantine or self-isolation requirements related to cross area, border, region, or territory travel.

Please note: some of our coronavirus travel insurance benefits only apply if you are travelling within Australia and New Zealand.

Eager to Travel Again?

Find out how much it costs to protect your trip with our travel insurance that covers coronavirus.

 
 
 

The information on this page relates to the Direct Cover-More travel insurance product effective 29 September 2021.

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 (PDS) document.
~Medical cover will not exceed 12 months from onset.
#Cover for medical costs related to COVID-19 are not available on our Domestic Plans.