If I contract a disease (not COVID-19 related) because I was not vaccinated for it, can I claim for the medical expenses?

If you do not get vaccinated for travel to a country where it is required, and you do not have a valid reason for not getting the vaccine (for example due to a medical condition or pregnancy), your claim may be denied.  

Various exclusions may apply under our policies. Therefore, you should check the PDS for Exclusions including but not limited to, those relating to not following advice in the mass media or any government of other official body’s warning, in particular, a contagious disease including an epidemic or pandemic.

As each individual’s circumstances are different, you should submit a claim and our claims team will make a decision based on your particular circumstances.

For more information, check out the Smartraveller health page.


Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Read more about travel vaccinations: