Our international policies can offer cover for emergency overseas medical expenses and medical evacuation and repatriation following a serious injury or sudden illness; this includes coronavirus, subject to all policy terms, conditions, limits, and exclusions. However, if the plan you already purchased doesn’t include the benefit section ‘Coronavirus Travel Costs’ (which offers some cover for eight specific coronavirus-related events), contact us for assistance.

We are not able to change the plan issued after purchase, but, provided you have not used your original policy, and do not need to make any claim, we may be able to assist with issuing a replacement policy and providing you with a refund of your original premium. It is important to remember that this would be a new policy, subject to the policy terms conditions and pricing in effect at the date it is issued and would not offer cover for any event that has already occurred.

If you need to cancel or rearrange your travel arrangements, even at the last minute, don’t delay in speaking with your airline or other travel providers to minimise any potential cancellation costs or fees.  If you booked through a travel agent, they may be able to assist you with this, too. 

If you do need to make a claim, the cover available will depend on your individual circumstances, as well as the plan you have purchased. For us to assess if cover can apply, you’ll need to submit a claim along with all supporting documentation. Remember, if you are required to take a test prior to travel, it is important to allow sufficient time for results to come back.

• Cover may be available if you are unfit to travel due to contracting COVID-19, depending on the plan you have purchased, and the facts of your claim - check the policy you have purchased and if it has Coronavirus Travel Costs cover. We assess all claims on a case-by-case basis.
• Speak with your travel providers, you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. 

Please note, if you’re already travelling and need to make changes to a flight change or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider.  If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. 

Yes. You will need to provide documentation to support the circumstances of your claim. We understand that the type of documentation you are able to provide may vary and assess every claim on a case-by-case basis.

You should submit as much information as you’re able to along with your claim, this will help us to assess your claim in a timely manner and reduce the possibility that we may need to ask you for further information. Information you supply may include:

• PCR Test demonstrating that at the time you were due to travel, you had an active case of COVID-19;
• Proof you were subject to mandatory isolation at the time you were due to travel due to a registered RAT (Rapid Antigen Test) result;
• Letter from medical practitioner confirming you are medically unfit to travel due to COVID.

Don’t forget to contact your travel service providers as well, as you’ll also need to demonstrate that you have requested to refund or reschedule your arrangements, and what your out of pocket costs are. Remember, not all of our plans cover pre-trip cancellation for COVID-19.

The type of evidence required to support any claim will vary. It is best to obtain as much information as you can to support any potential claim. Depending on the scenario, a Rapid Antigen Test may be sufficient, however, in order to confirm the facts of your claim, we’ll look at what is reasonable in the situation, and may need additional information.

You should also adhere to applicable government advice and register the results of any positive Rapid Antigen Test as required.

Planning is the key to being better prepared for travelling while COVID-19 continues to impact travel.

Knowing what you’re covered for, what to do and who to contact in the event of a positive COVID-19 diagnosis during your trip will help navigate these potentially new situations for many travellers:

• Before you go - plan ahead to make sure you understand what you will need to do if you do receive a positive COVID-19 test during your trip
• On-trip – what to do if you test positive

Here are a few tips that may assist you: 

Before you go

• Research the government requirements around a positive COVID-19 test at the destinations you intend to visit 
  No two countries are alike, and neither are their rules around dealing with COVID cases. Some countries may require hospitalisation if you test positive to COVID while travelling to or through them, regardless of whether or not you have symptoms. It’s important that you know if there are any quarantine or testing requirements on both entry and exit from where you're travelling, as well as the costs.
  
• Understand your travel insurance policy and its benefit limits 
  All our travel insurance plans have different benefit limits and exclusions – make sure you know what they are and if you’ve purchased the right level of cover for you.  You can read more about what is, and isn’t, covered for Coronavirus-related events.  If you’re not sure, contact us.
  
• Budget for a positive COVID-19 diagnosis
  We don’t say this to instil fear, but the chances of contracting COVID-19 may be higher when travelling when you’re out exploring, which could mean some unexpected costs that you’re not prepared or covered for (depending on your policy and situation). It’s always a good idea to keep some reserves for last minute unexpected costs.
  

On trip

• Negotiate with your airline or travel provider
  If you need to make changes to a flight or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider.  If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. 
  
• Contact Emergency Assistance if you need help overseas
  If you’ve received a positive COVID diagnosis and you’re already travelling, contact our 24/7 Emergency Assistance team who can help with what to do.  They can help navigate what to do if you can’t travel home as planned, and help you access medical attention or hospitalisation if you’re sick. If your diagnosis is at the end of your trip and you are unfit to travel, your policy may automatically extend to when you’re able to fly and get home by the first available flight.
  

• Contact our Emergency Assistance team. Utilising a global network of medical providers, they can connect you with local medical facilities, and provide access to translation services. 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 advice – different countries have different laws and customs. What’s ok in Australia may not be ok in the countries you visit.
• All our international plans include emergency overseas medical cover if you get sick with Coronavirus while travelling.

• Isolate! And seek the relevant medical attention.
• Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
• If you purchased TID’s The Works or Annual Multi Trip plan, you may be able to make a claim for non-refundable travel costs or some additional travel costs under the Coronavirus Travel Costs section of the policy.