I need to cancel my policy because of the Coronavirus (COVID-19) pandemic. What are my options?

If you no longer wish to travel due to the COVID-19 pandemic and need to cancel your travel insurance policy, your options will depend on when you purchased the policy and whether your trip has started. 

• If you are within the 25-day cooling-off period and your trip has not yet begun, you can generally cancel your policy and receive a full refund of your premium. 
• If the cooling-off period has passed, but your trip has not yet started, you may still be able to make changes to the departure and return dates of your policy if your travel plans are postponed. Any premium differences will be adjusted depending on your new trip details. 
• If your trip has already commenced or if you have made a claim or intend to make a claim or have exercised any of your rights under policy such as using your travel insurance policy to obtain a visa or enter into a country, the policy cannot be cancelled for a refund. 

It’s important to note that travel insurance does not provide cover for every COVID-19 situation, and there is no cover for cancellation simply because of general concerns about the pandemic or government travel restrictions. 

Every request and claim is reviewed individually on a case-by-case basis and will only be approved if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before making any decisions.