Am I still covered if my COVID-19 diagnosis was confirmed by a RAT and not a PCR test?

For cover to apply under your travel insurance, a COVID-19 diagnosis must be confirmed by a medical practitioner following a PCR test. A positive result from a Rapid Antigen Test (RAT) on its own is not sufficient to meet the policy requirements. 

If your diagnosis is based only on a RAT result, your claim may not be accepted. To be eligible for cover, you will need to provide medical evidence of your COVID-19 diagnosis in line with the conditions outlined in the PDS. The relevant COVID-19 diagnosis must be made 72 hours or more after policy purchase. 

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.