Travel insurance for Coronavirus (COVID-19)

Coronavirus has changed the way we travel. Our Qantas Travel Insurance policies now includes cover for some coronavirus related events. So before you head off on your next trip, it’s more important than ever to know exactly what you are and aren’t covered for.

Is coronavirus cover available on all plans and what are the benefits?

Cover for some coronavirus related events is available on all our plans, but the types of benefits and benefit limits vary between international and domestic plans.

As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents, or Policy Document for New Zealand residents carefully to know what is, and isn’t, covered.

• Overseas Medical Benefit: If you get sick with coronavirus while on your trip, our International Comprehensive travel insurance plans include cover for overseas medical expenses.
• Medical evacuation and repatriation: Both our International and Australian Comprehensive travel insurance plans include cover for medical evacuation and repatriation if we agree it’s medically necessary.
• Coronavirus Travel Costs: Our Coronavirus Travel Costs benefit is available on our International and Australian Comprehensive plans, and can provide cover for several coronavirus related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.

Qantas Travel Insurance coronavirus travel insurance cover:

	International Comprehensive For residents of Australia and New Zealand. Limits per primary traveller#	Australian Comprehensive For residents of Australia. Limits per primary traveller#
Medical Expenses Overseas^ (includes coronavirus)	Unlimited	Not applicable
Medical Evacuation and repatriation (includes coronavirus)	Unlimited	$10,000
Coronavirus Travel Costs	$2,500	$2,500

^For up to one year after the illness or injury first occurs. # Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read our policy wording.

What’s covered under the Coronavirus Travel Costs benefit?

The Coronavirus Travel Costs benefit, available on our International and Australian Comprehensive plans, includes cover for the following events up to a limit of $2,500 per primary traveller:

• Non-refundable travel costs incurred if you or a member of your travelling party is medically unfit to travel due to being diagnosed with coronavirus after you purchase your policy.
• Non-refundable trip costs if your close relative in Australia (for Australian residents) or New Zealand (for New Zealand residents) is hospitalised due to being diagnosed with coronavirus after you purchase your policy.
• Non-refundable travel costs if you are a healthcare worker, residential care worker or law enforcement officer and your leave is cancelled due to coronavirus.
• When your accommodation is closed for cleaning for coronavirus, we’ll pay towards accommodation nearby - just make sure you get written confirmation from the hotel.
• If you’re denied boarding transport because you’re suspected of being sick with coronavirus, we’ll help with your additional travel costs - don’t forget to get written confirmation from the carrier or relevant authority.
• Costs for compulsory quarantine if during your trip you’re diagnosed with coronavirus or you’re a confirmed ‘close contact’ (this includes the costs of things like hotel, meals and most importantly, Netflix!).
• Childcare costs if you get coronavirus during your trip - the ability to entertain the kids in a hotel room overseas may be hindered if you’re unwell.
• Care for your pets back home if you get coronavirus during your trip- we understand that hotels for our furry friends aren’t cheap!

What we don’t cover:

• While a country or region has a 'Do Not Travel' warning in place for an event, our travel insurance won't cover you for loss that arises from that event if you: plan to travel to; travel to; or remain in that country or region. This includes claims relating to COVID-19 for travel in a country or region where there is a ‘Do Not Travel’ warning in place due to COVID-19, regardless of the date your policy is purchased.
• Losses arising from government intervention or regulation, including travel bans and border closures.
• Risky business – just because you’ve got a face mask, doesn’t mean you should be travelling into a coronavirus hotspot.
• The purchasing of a policy after you become aware of something that could lead to a claim.
• Ignoring doctor’s advice and travelling anyway – many of us have probably hopped on a plane with the sniffles before but, times have changed.
• Quarantine when required as a matter of course when you’re returning to your home in Australia (for Australian residents) or New Zealand (for New Zealand residents) or travel interstate or overseas - this is an expense that you should incorporate into your travel plans.

What do I do if I get COVID-19 before my trip?

• Isolate! And seek appropriate medical attention.
• Don’t delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers.
• You may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.

What do I do if I get coronavirus on my trip?

• Contact our Emergency Assistance team. Utilising a global network of medical providers, the team will connect you with local medical facilities, and may help set up direct payments so you’re not out of pocket. They can also assist by getting in contact with friends and family where needed.
• Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities.
• Follow travel and health advice – different countries have different rules. What’s ok in Australia may not be ok in the countries you visit.
• Our International Comprehensive plans include emergency overseas medical cover if you contract coronavirus while travelling.

If I need medical treatment overseas will you only pay up to $2,500?

The Coronavirus Travel Costs benefit (which has a limit of $2,500 per primary traveller) is separate to the Overseas Medical Expenses and Medical Evacuation/Repatriation benefits (which have higher limits). Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract coronavirus, and it’s not related to an existing medical condition, cover is available for up to 12 months from the date the illness first appears. Make sure you contact our Emergency Assistance team if you need medical help overseas, and as soon as possible if you need to attend hospital.

Need to make a claim?

Sorry to hear your trip didn’t go as planned! Download and complete a claim form from our website. We’ll review your claim and get in touch with the outcome.

The above has been written to guide you and does not replace the Product Disclosure Statement (PDS) in Australia, or Policy Document in New Zealand which contains all terms, limits, conditions and exclusions that apply.