Am I covered if I have to delay or cancel my trip as I am awaiting COVID-19 test results?

If you have purchased the Optional COVID-19 Pack:
Whether or not you have cover depends on your circumstances. 
There is cover if your trip has been delayed or cancelled because you've been personally asked to get tested for COVID-19 by a government or transport authority.
There may not be cover if you simply choose to get tested for COVID-19, which results in a delay or cancellation of your trip. 
All claims are assessed on a case by case basis, and the outcome of your claim will depend on your particular situation.
If you do NOT have the Optional COVID-19 Pack:
There is no cover for any claims directly or indirectly related to COVID-19 if you do not have the  Optional COVID-19 Pack.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) and the  Optional COVID-19 Pack Document.

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