The Coronavirus (COVID-19) pandemic has caused significant disruption to many travellers' current and future travel plans. There are travel restrictions and border closures imposed by a number of governments around the world, including Australia. We've prepared these resources to assist with your current and future travel plans. We'll continue to update this page as new information becomes available.
The information provided on this page is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Please consider your personal circumstances and the Product Disclosure Statement (PDS).
If you're overseas at the moment, you might find the following tips useful.
If you want to get home and are experiencing any issues with this, make sure you:
On March 15 2020, the Australian government announced that all international arrivals will have to self-isolate for 14 days and that cruise ships arriving from foreign ports will be banned for 30 days. Foreign nationals, except for Australian permanent residents, will be refused entry for 14 days after visiting mainland China, Iran, South Korea and Italy.
If you are a 1Cover customer and you're experiencing an emergency overseas, please get in touch with our third-party emergency assistance team. You can contact the team via the numbers listed on our Emergency Assistance page, or you can email [email protected].
These contact details are for customers experiencing a genuine emergency only. If you contact us via our emergency channels, you might slow down assistance for someone in trouble. For general queries, including making a claim, please visit our Contact Us page.
We understand that the Coronavirus (COVID-19) pandemic is causing significant disruption to many travellers current and future travel plans. Below are some of the most common questions regarding Coronavirus, travel, and travel insurance.
The information contained in these FAQs is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the policy wording.
Due to COVID-19 and the travel restrictions imposed by a number of governments around the world, travel to and from all countries is limited. Australians currently overseas have significantly reduced options to return home with many commercial air routes no longer viable. If you're an Australian currently overseas, you should register your details on Smartraveller to receive important country or territory specific information.
There is a ban on overseas travel from Australia. That means you cannot leave Australia unless you seek an exemption from Home Affairs.
If you are continuing your journey, or intending on travelling in the immediate term, it's important to make sure that you're able to enter your intended destination. When travelling, it’s a good idea to contact your airline 72 hours before your flight to check if it has any special requirements you will need to meet prior to travel. Some airlines may require a medical clearance or confirmation that you are a resident or citizen of the country you are entering or transiting through.
As a result of the government travel restrictions, 1Cover has temporarily paused issuing new policies for international travel.
If you want to change your travel plans (including cruise holidays) we recommend that you contact your travel providers (your airline, transport and accommodation providers) to check what your options are. Each provider has different policies.
To help you get started, we’ve created a comprehensive guide on how to recover Coronavirus-related costs.
No, there is no cover for claims related to COVID-19 regardless of when travel was booked or when you purchased your policy.
All 1Cover policies have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. Some travel service providers may offer refunds or penalty-free options to change travel arrangements.
Learn more about cover for pandemics and how to recover your costs.
Your 1Cover policy contain an epidemic and pandemic exclusion. This means that no matter when you purchased your policy or where you are travelling to, you are unlikely to be covered under the policy for any claim relating to the Coronavirus. This includes (but is not limited to) situations where you decide or need to cancel your plans due to the Coronavirus, if you are quarantined or suffer travel delays due to the Coronavirus.
This applies to all countries you travel to, even those for which DFAT/MFAT has not raised a travel-warning about.
It is extremely difficult to assess the scale and cost of catastrophic global infection diseases like the Coronavirus. To include cover for events at a global scale could make travel insurance premiums unaffordable for the general public. However, we will continue to assess all claims on a case by case basis, even with the general exclusion in place.
Yes. If you suffer a loss, we encourage you to submit a claim through our fast and easy online claim system.
Every single claim is assessed individually by a member of our claims team, based on your policy wording and your individual situation. During the claims process, you can ask any questions regarding your claim. If you are unhappy with our claims decision, you can also make a complaint, which we will consider in accordance with our Complaints Policy.
A number of major airlines have suspended flights to mainland China, including Qantas, British Airways and Jetstar Asia. Your 1Cover policy is unlikely to cover claims for the costs of these flights or delays because they relate to the Coronavirus. However, many airlines are also offering refunds or free rescheduling services to affected customers.
Unfortunately, there is unlikely to be any cover under the policy if you contract Coronavirus because the epidemic/pandemic exclusion applies. If you think you may have Coronavirus, please call our emergency assistance number. Our emergency assistance provider will provide non-financial advice and assistance.
Please take in to account their advice, because you are entitled to lodge a claim. We will consider your claim based on the policy wording and your individual circumstances.
If you are quarantined because of the Coronavirus at home or overseas, and need to cancel your trip or make alternative travel arrangements, unfortunately we are unlikely to be able to cover your costs.
The Australian Government recommends travel insurance for unforeseen circumstances.
utside of Coronavirus (or any other epidemic), there are still a multitude of unforeseen circumstances that could occur when you go overseas. Travel insurance can help you, for example, if you need medical assistance or evacuation, if you have to cancel your plans, if you lose your luggage, or if you get charged car rental excess.
If your circumstances are covered under your policy and an exclusion does not apply, you are likely to have cover under the policy.
If you don’t need your 1Cover policy anymore, you can cancel your travel insurance within 14 days of purchase and receive a refund provided that your travel start date (shown on your Certificate of Insurance) has NOT passed. This is known as the "cooling-off period”.
We understand that many of our customers have been affected by the COVID-19 travel restrictions, and may wish to cancel their policy outside of the cooling-off period. To help, we're offering flexible options. This includes the ability to change travel dates and amend your policy online via the Policy Manager. You can move your start date up to 12 months (365 days) in advance of your policy issue date.
If you’ve cancelled your holiday altogether and are unsure when you may travel again, you may be eligible for a travel insurance credit. You can request a credit online via the Policy Manager.
The policy exclusion around epidemics/pandemics means that no matter when you purchased your policy, you are unlikely to be covered for cancelling your trip to any destination.
This applies to all countries, even those that DFAT has not raised a travel-warning about.
You are unlikely to be covered if the government advice is in relation to Coronavirus. If you suffer a loss, we encourage you to submit a claim through our online claim system.
Every single claim is assessed individually by a member of our claims team, based on your policy wording and your individual situation. During the claims process, you can ask any questions regarding your claim.
The epidemic exclusion in our policy for applies to all sections of the policy, regardless of when a policy was purchased or where you are travelling to.
Our policies cover cancellation for many reasons, but not for “any” reason, including when a claim is related to, or associated with, an actual or likely epidemic or pandemic.
If the countries you are travelling to close their borders because of Coronavirus, you will not be covered for the cancellation or additional costs of your holiday. This is because we don’t cover claims related to an epidemic or pandemic, as listed in the General Exclusions section of our policy.
Australia has agreements with 11 countries that covers the cost of medically necessary care when Australians visit certain countries and visitors from these countries visit Australia.
The list of countries includes Italy, New Zealand, the UK and the Netherlands. You can find the full list of countries we have a reciprocal health agreement with here.
Reciprocal health care agreements can cover or subsidise some emergency medical costs. This is usually for urgent treatment that can't wait until you get home. Some reciprocal health care agreements can cover other costs. This can include local medical transport, medication and specialist services.
Unfortunately, a reciprocal health care agreement is not a substitute for insurance, and it’s likely you’ll still need to fork out some money from your own pocket. Our policy does not cover medical care that is covered under a reciprocal health care agreement.
While you are travelling in Australia, we are unable to cover any domestic medical expenses. As a travel insurer, we can't take the place of health insurance. There is legislation in place to prevent this. If you are an Australian permanent resident or citizen, you will likely have access to Medicare or your private health insurance.
Your health and safety are our top priority. Due to COVID-19, and the travel restrictions imposed by the Australian Government, 1Cover made the difficult decision to temporarily pause issuing new international travel insurance policies. We remain committed to providing cover in the future and continue to closely monitor the easing of travel restrictions.
If you are currently travelling and wish to extend your policy, this will be possible in most cases. You can visit our Policy Manager to start the process.
With restrictions easing in many states of Australia, we’re pleased to be offering domestic travel insurance for your next staycation.