COVID-19 FAQs – For all policies purchased on or after 30th September 2025

Any diagnosis of COVID-19 whether this be in Australia or overseas, must be made by a medical professional or government testing program. This would include diagnosis by Your local health authority or the relevant overseas health authority for the country You are travelling in.

We have outlined the most common scenarios that could be raised by our customers below. Please contact us if You have any questions or require any further information or clarification on cover. Customers always have a right to lodge a claim for consideration under their policy, which will be considered in line with policy terms and conditions and their individual circumstances.

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RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.

COVID-19 FAQs – For all policies purchased on or after 30th September 2025

Am I covered for medical expenses if I am diagnosed with COVID-19 during my trip?

Am I covered for funeral and emergency expenses if I die from COVID-19 during my trip?

What if I am diagnosed with COVID-19 on my trip and I need to quarantine or self-isolate are my emergency expenses covered?

Am I covered for COVID-19 if I am travelling on a multi-night international or Australian Cruise?

Am I covered for Cancellation Fees and Lost Deposits if I am diagnosed with COVID-19 and I need to cancel my trip?

Am I covered for loss of enjoyment of my cruise or holiday, if I am required to isolate or quarantine due to COVID-19 whilst on my holiday?

Am I covered if I need to quarantine or self-isolate once I enter a region/country based on the government or state regulations?

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