Travel insurance and COVID-19 vaccinations

FAQs about vaccines and cover

Important Information: Our policies provide cover for some coronavirus related events. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the Government has issued a 'Do Not Travel' warning for your destination, or failure to follow advice from official bodies, including vaccination advice where applicable. For details refer to the PDS (in Australia) or the Policy Document (in New Zealand). Your ability to travel may be affected by travel restrictions. Check the latest government advice and our travel insurance alerts.

Will you cover me if I'm not vaccinated?

The Australian Government strongly supports immunisation, and the World Health Organization (WHO) advises that It is important to be vaccinated as soon as possible.

If you choose not to take appropriate preventative and precautionary measures to protect against the risk of COVID-19, including vaccination, there are policy exclusions that may affect the cover available if your trip is impacted by COVID-19.

If you are awaiting vaccination, or are not yet fully vaccinated, it is important that you observe applicable preventative and precautionary measures, including wearing a mask and practising physical distancing; WHO continue to recommend these other preventative measures for vaccinated travellers.

If you cannot be vaccinated for COVID-19 for medical reasons, we will take these circumstances into account when we assess what is fair and reasonable with regard to your claim.

It is important to be aware of the entry requirements at your destination, as losses such as being denied entry, or additional quarantine requirements due to your vaccination status are not events that the policy offers cover for.

Refer to health.gov.au, who.int and your policy wording for more information.

Do nib require all travellers to be vaccinated?

It is not an eligibility requirement in purchasing a policy that you be vaccinated, however; if you are able to be vaccinated, and choose not to take this precaution, it may impact the cover that is available, if this choice leads to a claim.

This is true not only for COVID-19, but for all illnesses, before you travel you should ensure you are aware of what vaccinations are recommended for the region where you are travelling.

The Australian Department of Health recommends consulting your doctor or visiting a travel health clinic six to 12 weeks before you travel.

Will you cover me if I am unable to be vaccinated for medical reasons

If you cannot be vaccinated for COVID-19 for medical reasons we will take these circumstances into account when assessing any claim; you may also need to provide documentation to demonstrate this.

You should ensure that you are aware of what documentation you may need during your trip; and entry requirements at your destination.

Mandatory quarantine that is broadly imposed, including due to vaccination status is not covered by the policy, nor is being denied entry at your destination.