Travel insurance with COVID-19 cover
Air New Zealand travel insurance includes medical expenses related to
COVID-19
Buy a travel insurance policy that can cover you for COVID-19. With unlimited medical expenses and including on-trip additional expenses cover, you can travel with peace of mind.
All international single trip travel insurance policies receive the additional benefits listed below relating to specified COVID-19 related events.
There are further exclusive benefits when travelling to New Zealand or Norfolk Island.
It is important to note that COVID-19 cover in the policy does not apply in the event that any government calls for border closures or travel restrictions.
Note that for cancellation or amendment costs cover, your policy must have been purchased at least 21 days before your departure date.
Benefits:
- Cancelling your trip if you have COVID-19
- Emergency medical expenses
- Repatriation to help you get back home
- Your travelling companion(s) or people you live with being diagnosed with COVID-19
When travelling to New Zealand or Norfolk Island:
- Additional expenses if you are ordered to self-isolate in your holiday accommodation if you have COVID-19
- The people you're staying with on holiday being diagnosed with COVID-19
Find out more below and when you're ready, get your quote today
When you book your flights online, you can also add our one-step travel insurance on the Extras page
If you change your mind about your holiday, you can also request a refund or credit of your travel insurance policies.
What's covered
Note that for cancellation or amendment costs cover, your policy must have been purchased at least 21 days before your departure date.
- Cancellation costs if you or your travelling partner get COVID-19 and cannot travel.
- Cancellation costs if a non-travelling relative or business partner gets COVID-19, and you need to amend or cancel your trip.
- Amendment or cancellation cover for essential healthcare workers e.g. doctors, nurses, pharmacists, paramedics or other healthcare professionals whose leave is revoked due to COVID-19.
- New Zealand & Norfolk Island travel only: Cover for additional accommodation expenses of $150 per night if the person you were planning on staying with gets COVID-19 or they are placed in quarantine.
- New Zealand & Norfolk Island travel only: Cover for cancellation or new accommodation expenses if your prepaid accommodation is shut down for cleaning.
- New Zealand & Norfolk Island travel only: Cancellation costs for your prepaid holiday activities if they are closed due to COVID-19.
What's not covered
- Claims relating to government-issued travel bans; government directed border closures; or mandatory quarantine requirements related to cross area, border, region, or territory travel.
- Any destination that has a government travel advisory of “Do Not Travel”. The cover for trips to New Zealand does not depend on the advice at smartraveller.gov.au. There is COVID-19 cover only for travelling to New Zealand or Norfolk Island regardless of any government travel warnings.
- Change in federal, state or territory border travel means you can't leave home or travel overseas.
- All claims arising from your participation in any cruise related travel is not covered.
- Your disinclination to travel due to COVID-19.
Note: this is a summary of key benefits. Read the relevant policy wording for full benefits, exclusions and terms and conditions.
Coverage for travel to other countries is activated when the Australian Government (via smartraveller.gov.au) removes the ‘Do Not Travel’ restriction related to COVID-19 from your destination
Included with:
New Zealand and South Pacific Travel Insurance (bundled with flights on airnewzealand.com.au)
Worldwide Travel Insurance (bundled with flights on airnewzealand.com.au)
International Comprehensive (sold via insurance.airnewzealand.com.au)
Domestic Comprehensive (sold via insurance.airnewzealand.com.au)
COVID-19 benefits are not included in Domestic Cancellation, Annual Multi-trip or Inbound insurance policies.
Eligibility
Policyholder must be an Australian citizen or resident.
Travel must originate in Australia.
Insurance for travelling to New Zealand and the rest of the world
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Reminder
Before you travel, you’ll need to know:
- Check that the AU Government (smartraveller.gov.au) say it’s safe to travel to your destination. It’s important you check your destination is safe to visit regularly as advice can change. The cover for trips to New Zealand does not depend on the advice at smartraveller.gov.au.
- Check your destination’s local government advice, safety guidelines and entry requirements.
Note: If the travel advice changes while you’re on holiday, you will be covered if your destination was listed as safe when you commenced travel.
Please contact Cover-More Travel Insurance on 1300 728 016 or e-mail airnz@covermore.com.au for any COVID-19 travel insurance queries.
COVID-19 Frequently Asked Questions
What countries does my travel insurance provide cover for?
COVID-19 cover is available to Australian residents and citizens travelling to New Zealand and to Norfolk Island. Cover to any other destination is only activated (i.e. cover is included) when the Australian Government – DFAT advice on smartraveller.gov.au is downgraded from 'Do Not Travel '.
If I fall ill with COVID-19, and require medical treatment overseas in a covered country, are Medical expenses covered?
Yes, If you fall ill with COVID-19 during your trip, there is provision to claim medical and additional expenses, including the cost of extended quarantine if instructed by a Doctor or Government Health Agency. The policy also covers your travel companion or business partner listed on the Certificate of Insurance for the trip. (Note: Cover provided is subject to medical certification of a positive test result, and relevant medical and additional cost receipts are required to make a claim.)
If I fall ill overseas with Covid-19 and need to be repatriated home, am I covered?
Yes, there is provision to claim repatriation costs under the policy when travelling in New Zealand and other countries deemed safe-to-travel to, by the Australian Government. Medical confirmation of this will be necessary from our assistance company.
While on my trip, if I have to go into quarantine, are the quarantine expenses covered?
New Zealand and Norfolk Island only
Yes, there is provision to claim under your policy, as long as this is due to you, (or your travel companion), either coming in contact with COVID-19, or falling ill with COVID-19.
If quarantine is mandated as part of a government border closure, then no cover is provided.
All other destinations
No, there is no provision to claim
If I am diagnosed with COVID-19 and can't go on my trip, can I claim my cancellation costs?
Yes. There is provision to claim the non-refundable, prepaid costs under the cancellation section of your policy. If you bought the policy after showing symptoms or seeing a doctor, there is no cover.
Note: Your policy must have been purchased at least 21 days before your departure date.
I’ve decided I need to self-isolate due to possible contact with COVID-19 (not close contact) and no longer wish to travel. Can I claim for a trip refund under my policy?
No. Cancelling your trip due to your disinclination to travel because of COVID-19 is not covered.
If my accommodation or travel plans at my destination are disrupted due to COVID-19, am I covered?
New Zealand and Norfolk Island only
Yes, there is provision to claim. If at any time after purchasing your policy, either before or during your trip, your travel plans are disrupted due to COVID-19, you can claim for accommodation, event and excursion expenses. There is no cover for circumstances known to you at the time of purchase.
Note: Your policy must have been purchased at least 21 days before your departure date.
All other destinations
No, there is no provision to claim.
The person I’m staying with catches COVID-19. Will I be able to claim costs?
New Zealand and Norfolk Island only
Yes, there is provision to claim for alternative accommodation, cancellation costs, or associated additional expenses, whichever is lesser.
Note: Your policy must have been purchased at least 21 days before your departure date.
All other destinations
No, there is no provision to claim.
A relative has passed away from COVID-19 and my trip is now disrupted or cancelled. Will I be able to claim costs?
Yes, there is provision to claim for alternative accommodation, cancellation costs, or associated additional expenses, (whichever is the lesser), subject to your policy being purchased prior to your relative being diagnosed with COVID-19. Your relative must be resident in either Australia or New Zealand.
Note: Your policy must have been purchased at least 21 days before your departure date.
There are no government restrictions in place to travel to my destination, but I’m required to quarantine on return from my trip. I no longer wish to travel and want to cancel my holiday. Am I covered?
No. If your trip is impacted by government mandated quarantine restrictions, no cover is provided.
I am an essential Health Care worker and my leave is cancelled due to having to return to work. I need to cancel my trip. Am I covered?
Yes, there is provision to claim for cancellation costs.
While on my trip, I'm denied entry to a country due to government restrictions imposed in the arriving country on travellers from countries I have visited en route or from which I have departed. Am I covered for the costs to change my trip?
No. If your trip is impacted by any government restrictions, government issued bans, border closures and mandatory requirements, no cover is provided.
My flight has been cancelled or re-scheduled due to COVID-19, and I cannot catch a connecting flight and will not arrive on the tour or event on time. Am I covered for additional expenses?
Yes, there is provision to claim for this situation only when the cancellation or rescheduling is not caused by government bans, border closures, mandatory requirements, etc. Your policy contains benefit sections for the event refund and/or additional expenses incurred as a result of missing your connecting flight.
If I purchase my trip and travel insurance policy to a country that is deemed safe to travel by the government as confirmed on www.smartraveller.gov.au and before I depart, the government issues a “Do Not Travel” warning related to COVID-19, can I claim my cancellation and amendment expenses?
No, there is no provision to claim cancellation or amendment costs.
Note: The cover for trips to New Zealand or Norfolk Island does not depend on the advice of smartraveller.com.au.
There is COVID-19 cover only for travelling to New Zealand and Norfolk Island, or any other country deemed safe-to-travel by the Australian Government.
You are eligible for a 100% premium refund provided that you have not made a claim against the policy.
My flight has been cancelled or re-scheduled due to COVID-19. Can I claim for a refund?
No. However, you may be eligible for a credit or refund from your airline or travel provider.
You are eligible for a 100% premium refund provided that you have not made a claim against the policy.
There were no government travel restrictions in place when I booked my holiday and purchased my policy. A new outbreak of COVID-19 has led to government restrictions that now prevent me from travelling to the intended destination(s). Am I covered?
No cover is not available in this scenario.
Note: There is no cover for any claims related to government related restrictions.
You are eligible for a 100% premium refund provided that you have not made a claim against the policy.
My holiday has been cancelled due to a pandemic and my holiday provider is only offering a voucher rather than a refund. Can I claim a refund under my travel insurance policy?
No. Your policy covers irrecoverable losses only. Please note that in most cases you may have a right to a credit or refund from your holiday or travel provider.
My travel provider goes into administration due to the pandemic. Can I claim for refunds under my travel insurance policy?
No. Regardless of the circumstances that lead to administration, insolvency is not covered.
How do I make a claim?
It's quick and easy to lodge a claim with online claims centre . All you need to get started is your policy number.