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

Any medical diagnosis of COVID-19, whether this be in Australia or overseas, must be provided by your treating doctor or the insurer's consulting medical officer. The insurer, at their discretion, may also accept other evidence of your diagnosis. 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.

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

• Domestic – No, your medical expenses cannot be covered in Australia due to statutory rules.
• International - Yes, your reasonable overseas medical and hospital expenses are covered, unlimited² and subject to full policy terms and conditions.

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

• Domestic – No, your medical expenses cannot be covered in Australia due to statutory rules.
• International – Yes, if you die unexpectedly (including from COVID-19) while on your trip, the policy provides cover for the reasonable cost for your funeral/cremation overseas or the return of your remains to Australia. Depending on the plan you purchase, cover is up to $20,000, subject to full policy terms and conditions.

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

Yes, you are covered up to the policy limit depending on the plan you have selected, subject to full policy terms and conditions.

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

• International – Yes, only if you select Yes to ‘Going on a cruise’. Please note that this is an optional extra that will be subject to an additional fee.
• For Australian cruises, you will need to select Australian Cruises as a Destination, select Yes to 'Going on a cruise?', and this will fall under an International Policy. Please note that this is an optional extra that will be subject to an additional fee.

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

Generally, you are covered up to the cancellation limit you have chosen. However, there are specific COVID-19 limits that apply to Cancellation Fees and Lost Deposits.

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?

No, all policies have a General Exclusion for any Consequential loss which includes loss of enjoyment and as such there is no cover for loss of enjoyment.

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

All policies have a General Exclusion relating to claims directly or indirectly arising from any government or public health authority mandatory quarantine or isolation order imposed on you related to border, region or territory travel in response to COVID-19. Please check with local government and public health authorities prior to your departure.

²‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details.