Is there cover if I contract COVID-19?

You may have cover for overseas emergency medical, hospital and medical evacuation costs if you are diagnosed with COVID 19 while you are in a country listed on your Certificate of insurance. This cover is available on all overseas policies and has unlimited benefit limits.  

There are a few key conditions, like COVID 19 testing is only covered if it’s undertaken as part of your hospitalisation, and your medical costs must be confirmed in writing by a medical practitioner. You also need to notify the emergency team as soon as practicable if you’re admitted to hospital. 

You may also have COVID 19 trip cancellation or trip disruption cover in certain situations, such as if you unexpectedly test positive and can’t meet a cross-border entry requirement, you are refused boarding due to a positive test or failed screening, or a medical practitioner confirms you are medically unfit to travel due to COVID 19.  

Every claim is reviewed individually on a case-by-case basis and will only be paid 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 you travel.