COVID-19 Travel Insurance Claims: Success or Not?


Active Member
Sep 20, 2018
I'm really interested to know the specific details of the travel insurance companies that are paying claims for cancellations and for health issues related to COVID-19.

I have been a long standing user of Defence Health Travel Insurance, mainly because of their reasonable approach and minimal extra fee for my pre-existing medical condition (both knees replaced). I do read the PDS, but apparently not with sufficient focus because I missed this line in our policy on page 41 under the heading exclusions that apply to all sections of the policy: "Your claim arises from, is related to or associated with:
• an actual or likely epidemic or pandemic; or
• the threat of an epidemic or pandemic."

Reading this in Japan in February, with scheduled travel to Shanghai on on the way home certainly caused me to have a sharp intake of breath. Luckily, Qantas, Ramada, JAL and (eventually) all came to the party and our actual claimable losses were nil. However, we would have been in a real pickle if that hadn't worked out. "Hadn't worked out" is not a phrase I expected to use given that I paid a fortune for insurance, well in advance of travel. Looks like I wont be using Defence Health again in the future.

So now I'd like to hear the RESULTS of claims that people have made so I can make a better informed choice in the future. Once you know the result of your claim, could you please post here with the company details. I'm sure it would help a lot of people.

I hope this is a place to capture all the comments and responses that people are making in a range of different threads - it's hard to find them when they are scattered. Moderator, please remove if this is covered elsewhere.
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Established Member
Jun 20, 2006
our Insurer includes this wording:
General Exclusions
We will not pay for any claims arising directly or indirectly from:
1. War or any act of War, invasion, foreign enemy, Civil War, rebellion, revolution, insurrection, military or usurped power;
2. any nuclear reaction or contamination, ionising rays or radioactivity;
3. any prohibition, regulation or intervention by government authorities;

On point 3, they were not willing to clarify if the direction to not travel o/s by the Prime Minister could be considered as Government Intervention until I actually make a claim. Thankfully for me, like you @Seat0B all the travel providers have come onboard offering refunds/credit and the only likely claim I am going to make is against the insurance provider themselves. Well not really. I mean I just have a policy now for travel that will not be taken.