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Coronavirus Travel Insurance Benefits

Looking for travel insurance benefits that cover costs related to COVID-19? If you buy a new Single Trip travel insurance policy on our Options Plan from 9 December 2020 onwards, you’ll receive cover for a number of COVID-19 travel insurance benefits..

So, whenever you’re able to escape the everyday and explore the natural beauty of New Zealand, Australia or an overseas destination SafeTravel marks as safe during the current coronavirus pandemic, our COVID-19 travel insurance benefits 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, our new Single Trip Options Plan policyholders will receive the below additional travel insurance cover for common scenarios relating to COVID-19:


Cover for COVID-19 Medical Costs*#~

We provide cover for medical treatment and ambulance transportation if you’re diagnosed with COVID-19 by a qualified medical practitioner while on your journey*.


Cover for COVID-19 Cancellations*

We provide cover for a number of unforeseeable amendment and cancellation costs relating to COVID-19 if cancellation cover is included or added to your policy.


Cover for Additional COVID-19 Expenses*#

We provide cover for a variety of additional costs should you find your trip plans are cut short or need to change as a result of various COVID-19-related reasons.

 

Our COVID-19 Medical Expenses Cover~#

We understand many New Zealanders are concerned about the financial impact of catching coronavirus while they’re away from home. 

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 COVID-19 travel insurance benefits can provide cover for your COVID-19-related medical costs* if you’re a Single Trip Options Plan policyholder. 

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 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 directly or indirectly arises from cruise travel, or if you’re travelling to a country that is subject to “Do not travel” advice from SafeTravel at the time you enter the country or part of the country. 

Our 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 a number of amendment and cancellation costs*.

If you’re travelling on a Single Trip Options Plan policy, we can provide cover for a number of COVID-19-related cancellation and amendment costs*. We hope this gives you extra confidence to book an upcoming trip knowing COVID-19 cancellation cover is included in your travel insurance policy.

COVID-19 cover is provided if you:

  • are diagnosed by a qualified medical practitioner with COVID-19 prior to your departure and can no longer travel

  • are planning to travel within New Zealand or Australia but are directed by a local public health authority into a period of quarantine because they have classified you as having close contact with a person diagnosed with COVID-19 and you cannot travel

  • need to amend or cancel your trip because a non-travelling relative or business partner who resides in New Zealand or Australia is diagnosed with COVID-19 by a qualified medical practitioner and the level of infection is life-threatening

COVID-19 cover is provided if the person you’re due to stay with in New Zealand or Australia is:

  • diagnosed with COVID-19 by a qualified medical practitioner and you can no longer stay with them*
  • directed by a local public health authority into a period of quarantine and you can no longer stay with them* 

COVID-19 cover is provided if your prepaid costs in New Zealand or Australia are affected, such as:

  • the accommodation you planned to stay at is shutdown or closed because of a COVID-19 outbreak on the premises and hygiene measures are required
  • the destination activity venue (such as a ski venue, theme park or cooking school) is closed because of a COVID-19 outbreak on the premises

COVID-19 cover is provided if you’re an essential health care worker whose:

  • planned leave is revoked by your employer as a result of COVID-19-related reasons

For full details on our travel insurance that provides cover for COVID-19 cancellation and amendment costs, see our Policy Wording document or visit our COVID-19 travel insurance FAQs page.

Our 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. This was true prior to the coronavirus pandemic and it’s still true for travellers who continue to explore in a world where COVID-19 exists.

To help you navigate a number of unexpected costs that may arise from COVID-19, our COVID-19 travel insurance benefits could help protect you from a number of scenarios that may result in unexpected costs.

If you’re a Single Trip Options Plan policyholder, we can provide cover for additional expenses incurred if:

  • you are diagnosed with COVID-19 during your trip and are directed by a local public health authority into a period of quarantine or isolation
  • you pass away on your trip and the cause of death is COVID-19
  • your non-travelling relative or business partner residing in New Zealand or Australia is diagnosed with COVID-19 by a qualified medical practitioner and the treating doctor confirms the level of infection is life threatening and you need to return home
  • the person you planned to stay with in New Zealand or Australia is diagnosed with COVID-19 and you can no longer stay with them
  • the person you planned to stay with in New Zealand or Australia is directed to enter a period of quarantine and you can no longer stay with them
  • your pre-paid accommodation in New Zealand or Australia is shutdown or closes as a result of a COVID-19 outbreak on its premises and hygiene measures are required

However, we cannot pay for additional expenses resulting from COVID-19 if your claim directly or indirectly arises from cruise travel, or if you’re travelling to a country that is subject to “Do not travel” advice from SafeTravel at the time you enter the country or part of the country.

For full details on the additional expenses we cover with our COVID-19 travel insurance benefits, please read our Policy Wording document and check out our COVID-19 FAQs page.

Our COVID-19 Destination Scenarios

Where are you travelling?

New Zealand: Yes, cover is provided, but maximum of $1,500 medical coverage in New Zealand.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the SafeTravel website at the time you enter the country or part of the country.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the SafeTravel website at the time you enter the country or part of the country.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the SafeTravel website at the time you enter the country or part of the country.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided, up to $250 per night for alternative accommodation.

Australia: Yes, cover is provided, up to $250 per night for alternative accommodation.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided but only if in NZ or Australia. No cover for any other destinations

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: Yes, cover is provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.

Where are you travelling?

New Zealand: Yes, cover is provided, but up to $250 per night for alternative accommodation

Australia: Yes, cover is provided, but up to $250 per night for alternative accommodation

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Where are you travelling?

New Zealand: Yes, cover is provided.

Australia: Yes, cover is provided.

Other destinations: No, cover is not provided.

 

Are you cruising?

If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.

Our COVID-19 Travel Insurance Benefit Exclusions

Unfortunately, our COVID-19 travel insurance benefits can’t cover absolutely every scenario that may occur as a result of the current global coronavirus pandemic. We encourage you to read the Policy Wording document and 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’re an Annual-Multi-Trip Options Plan policyholder
  • you incur costs or expenses as a result of a government or public health authority mandatory quarantine or isolation order being imposed on you in relation to cross area, border, region or territory travel
  • you are travelling to a destination outside of New Zealand or Australia and the government bans travel before or during travel 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 COVID-19 travel insurance benefits only apply if you are travelling within New Zealand and Australia, and most claims directly or indirectly related to cruise travel are excluded. For full details, please read our Policy Wording.

Countries with COVID-19 Travel Insurance Benefits:

Destination Coverage Effective Date
New Zealand 28 October 2020
Australia 28 October 2020

Ready to Buy Travel Insurance that Provides Some Cover for COVID-19?

If you’re itching to get travelling again but want to ensure your trip is protected against a number of COVID-19 scenarios during the global coronavirus pandemic, our Single Trip Options Plan can help.

You can get a FREE quote and purchase online today for instant cover or call (0800) 500 225 to purchase our travel insurance with COVID-19 benefits over the phone.

Or, if you’ve got questions you’d like answered, see our coronavirus FAQs page or call our friendly team on (0800) 500 225.

Otherwise, stay safe, and keep travelling.

This is general advice only and does not take into consideration your personal circumstances. 
*Limits, sub-limits, conditions, and exclusions apply. Restrictions apply to COVID-19 claims directly or indirectly related to multi-night cruise travel. For full details on exactly what’s covered by our COVID-19 travel insurance benefits, please read our Options Plan Policy Wording document.
~Medical cover will not exceed 12 months from onset.
#Additional and medical expense cover is not available on our Options Domestic Cancellation Plan.
^Our Single Trip Options Plan travel insurance policy provides limited cover for COVID-19 for travel within New Zealand, Australia and countries not affected by SafeTravel’s “Do not travel” warning. There are New Zealand Government restrictions on New Zealand citizens, residents and other persons travelling to and from, and within, New Zealand due to COVID-19. The process is managed by the Ministry of Foreign Affairs & Trade. Restrictions apply to COVID-19 claims directly or indirectly related to multi-night cruise travel. Please contact Cover-More on 0800 500 225 or email [email protected] for any COVID-19 travel insurance queries