Travel Insurance - With COVID-19 Cover

• Does it cost extra to cover COVID-19?

• No, we treat COVID-19 like any other unexpected medical illness or condition. The benefits are included as standard in all 1Cover travel insurance policies. There’s nothing extra you need to do to add this coverage to your plan.

• In what scenarios can I cancel my trip?

• Pre-trip cancellation cover is available if:

  • You or your travelling companion (listed on your Certificate of Insurance) contract COVID-19 and receive a positive diagnosis from a medical adviser confirming that you are not fit to fly;
  • A close relative (under 85) in New Zealand is hospitalised or passes away from COVID-19.

  There is no cover under the policy if you’re a close contact but have not been diagnosed with COVID-19. You will need to provide a letter from a medical adviser confirming your positive diagnosis during your travel dates.

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

• You should isolate and seek the relevant medical attention. Don’t delay in the cancellation of your plans so that you can maximise the opportunity of refunds from your providers.

  If you purchased 1Cover’s Comprehensive, Domestic or Frequent Traveller plans, you may be able to make a claim for non-refundable travel costs or some additional travel expenses arising due to COVID-19.

• What if my COVID-19 test results aren’t back in time, and I need to cancel my trip?

• If you’re unwell and need to cancel or reschedule your trip, it’s important to contact your airline or travel providers as soon as possible to minimise cancellation fees. If you booked through a travel agent, they may be able to assist you.

  To make a claim, you’ll need to submit all required documentation, and coverage will depend on your specific circumstances and policy. Be sure to allow enough time for test results before finalising your travel plans.

• Will I be covered for COVID-19 onboard my cruise?

• Yes, we treat COVID-19 the same as any other medical condition or illness. However, to be covered for any cruise related expenses, including medical costs onboard or cruise cancellation due to COVID-19, you must have selected the Cruise Pack and have it shown on your Certificate of Insurance.

• Does my policy cover the cost of PCR or RAT tests?

• You’re covered for testing that leads to a positive diagnosis and confirmation from a medical practitioner of an active case or hospitalisation. There is no cover for home testing or pharmacy kits if medical attention wasn’t required.

• Am I covered to change my plans if I am close contact of someone who has tested positive to COVID-19?

• No, you or your travel companion must be positively diagnosed with COVID-19, or have an illness diagnosed by a medical practitioner before you can make a claim for trip disruption or cancellation cover.

• What if I get Coronavirus while travelling domestically?

• You should isolate and seek medical attention. You may be covered for trip cancellation up to your chosen cancellation limit if diagnosed prior to departure. You may be covered for trip amendment costs or additional travel expenses up to $5,000 if you’re diagnosed after your departure. There is cover for up to $10,000 if you’re hospitalised and need to extend your trip because of COVID-19.

• Do I need medical proof of my positive result?

• Yes, if you think you may need to cancel or shorten your journey due to ill-health you should seek medical attention and obtain a professional diagnosis from a medical practitioner.

  For any overseas medical and hospital claims, contact our emergency assistance team as soon as possible. Our team can advise on steps you should take and what information you’ll need to provide to support your claim.

• What supporting documents do I need to submit a claim?

• When it comes to evidence for any claim you may make, the type of evidence required will vary. Claims are assessed on a case-by-case basis but its best to obtain as much information as you can to support your claim.

  If you contract COVID-19, required documents may include:

  • Proof of the COVID-19 positive diagnosis – this can be a PCR test demonstrating an active case of COVID-19 from a medical practitioner or governmental authority.
  • Proof you were subject to mandatory isolation due to a positive and registered RAT (Rapid Antigen Test) result or PCR at the time you were due to travel.
  • A letter from a medical advisor confirming you were unfit to travel at the time due to COVID-19.

  Be sure to also contact your travel providers for proof of refund requests, any rescheduling arrangements and receipts for your out-of-pocket expenses.

  Some other standard documents that may be required include:

  • Your original itineraries showing return flights, accommodation and any tour or event bookings.
  • Your amended travel itinerary (change in flights, new bookings etc).
  • Receipts or proof of payment for each expense you are claiming for.
  • Completion of an online Digital Identity Check (proof of ID)

The information contained in these FAQs is general advice only and has been prepared without considering your objectives, financial situation or needs. You should consider these having regard to the policy wording.