Travelling within Australia or overseas during the festive season?

This article contains important information about COVID-19 insurance cover for anyone travelling within Australia or overseas

Written on 10 December, 2021
Wendy Martin

As of 1 November 2021, fully vaccinated Australians can depart Australia without seeking an exemption.

Border settings and quarantine requirements in other countries continue to change, often at short notice, so it is important that brokers continue to keep abreast of the changes to enable them to keep their clients informed.

For anyone travelling overseas, you will need to consider the requirements of airlines, transit, and destination countries, as well as arrangements for returning to Australia. You should also check if your destination requires compulsory insurance cover which we are seeing more and more requests for. It is imperative that you first check for the latest updates of where you can travel to, visit the Department of Foreign Affairs and Trade’s Smartraveller website https://www.smartraveller.gov.au

Some insurers now offer limited cover for COVID-19.

1.  COVID-19 overseas medical expenses cover

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.

They cannot pay for any medical costs resulting from COVID-19 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.

2. COVID-19 amendment or cancellation costs cover

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

This may include:

    1. If you are diagnosed by a qualified medical practitioner with COVID-19 prior to your departure and can no longer travel.
    2. 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.
3.  COVID-19 additional expenses cover

If you’re an international or domestic travel insurance policyholder, cover can be provided 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.

They cannot pay for any additional expenses resulting from COVID-19 if your claim is related to you having travelled 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.

It is important to note that no policies are providing the following cover:

  • 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.

An insurance broker can offer you advice on the different COVID-19 insurance cover available to you. Please visit www.needabroker.com.au for the details of an insurance broker who can assist you with your travel insurance cover queries.