Travel Insurance which covers COVID-19?

shuuy

Member
Joined
Aug 29, 2013
Posts
166
Qantas
Platinum 1
Virgin
Platinum
Southern Cross looked great, until I read this.

(the whole point of my insurance is to cover medical costs in a different country AND the excess costs of quarantine).

1652583596779.png
 

Kaileah

Junior Member
Joined
Jan 6, 2013
Posts
27
So I have decided to go with Insure and Go for my trip - it's $156.44 for two countries for a fortnight and has the unlimited COVID-19 expenses claim.

Friends of mine who just went to Asia said Allianz was good, but I can't wrap my head around it's language on it's website and I'm not 100% if it covers all I need.
 
Sponsored Post

Struggling to use your Frequent Flyer Points?

Award Flight Assist takes the hard work out of finding award availability and redeeming your frequent flyer or credit card points for flights.

Using their expert knowledge and specialised tools, the Award Flight Assist team at Frequent Flyer Solutions will help you book a great trip that maximises the value for your points.

Bolt

Intern
Joined
May 15, 2021
Posts
54
Qantas
Platinum
Virgin
Red
Thought I'd share my experience that I used my American Express Frequent Flyer Ultimate credit card insurance. I contacted them and explained that I needed proof of coverage for Covid19. They sent me this, and I successfully used this as part of my application for a Thai Pass. I've edited it to remove my name. You should be able to call them and get them to e-mail this to you. Hope this helps.
 

Attachments

  • Chubb_letter_regarding_American_Express_QANTAS_Ultimate_Card_Insurance.png
    Chubb_letter_regarding_American_Express_QANTAS_Ultimate_Card_Insurance.png
    130.4 KB · Views: 32

Melburnian1

Enthusiast
Joined
Jun 7, 2013
Posts
22,659
Southern Cross looked great, until I read this.

(the whole point of my insurance is to cover medical costs in a different country AND the excess costs of quarantine).

View attachment 277264

Agree, and also, Southern Cross Travel Insurance excludes coverage for travel to many destinations such as when the Australian Government's Smart Traveller site says 'reconsider your need to travel' (examples include Brazil, Chile, Colombia, Cuba, Ecuador, Guam, Mexico, Philippines, Saudi Arabia, Solomon Islands (!) and Tonga) or 'do not travel' (examples include Iran and Venezuela).

Yet with some nations above, the reason(s) government bureaucrats claim one should 'reconsider' do not focus on COVID_19 at all.

A useless policy, so despite many on review sites recommending this company, it's one to avoid:

Supplementary Product
Disclosure Statement (SPDS)
Effective from 17 November 2021
scti.com.au

In summary, this SPDS extends your policy to cover:
• Medical expenses (up to $Unlimited) if you are diagnosed with COVID-19 while on your journey
• Costs (up to the limit you selected when you purchased your policy) to change your travel
arrangements if you or a relevant person (relevant person conditions apply) are diagnosed
with COVID-19 before you leave and your journey is cancelled or amended
• Costs (up to $5,000) to change your travel arrangements if you or a relevant person
(relevant person conditions apply) are diagnosed with COVID-19 after you leave and your
journey is interrupted or cut short
Cover only applies when travelling to a destination with a Smartraveller travel advice level of
‘Exercise normal safety precautions’ (level 1) or ‘Exercise a high degree of caution’ (level 2).


Too crafty by half.
 

Lynda2475

Senior Member
Joined
May 1, 2009
Posts
6,271
Qantas
Gold
Virgin
Red
Seems a good policy but for multi-trip annual, it excludes longer than 60 days.

I found multi trip didn't become economic until you had done 3 trips including the USA/Africa or 4-5 trips excluding USA/Africa; so I have 3 separate policies for 3 trips as was cheaper as only one of those trips needed USA cover.

I like that Go Insurance still covers countries with a Level 3 "Reconsider your need to travel" if the sole reason is "due to the impacts of COVID-19". Obviously any warning due to war/terrorism still excluded if the warning is reconsider or do not travel.
 

evaret

Junior Member
Joined
Jan 28, 2011
Posts
17
I will be going to the UK, Germany and Switzerland for 3 weeks from mid Sept and like may others, am trying to get my head around the intricacies of travel insurance.

From my reading of this thread I have a short list of 3 - Medibank, Insure and go, Go insurance. And now I have more reading of PDS's and so on. As I am 70 and travelling alone I am happy to pay a slightly higher premium for maximimum coverage and minimum angst.

I am yet to make a decision but even at this stage I would like to thank the large number of contributors who have shared their experiences and knowledge. Your input is very much appreciated

Cheers
 

get me outta here

Senior Member
Joined
Nov 18, 2011
Posts
8,779
Qantas
LT Silver
Has anyone found a policy for 80yo please? For a couple, one is a cancer survivor and therefore has pre-existing.
 
Last edited:

Melburnian1

Enthusiast
Joined
Jun 7, 2013
Posts
22,659
I found multi trip didn't become economic until you had done 3 trips including the USA/Africa or 4-5 trips excluding USA/Africa; so I have 3 separate policies for 3 trips as was cheaper as only one of those trips needed USA cover.

I like that Go Insurance still covers countries with a Level 3 "Reconsider your need to travel" if the sole reason is "due to the impacts of COVID-19". Obviously any warning due to war/terrorism still excluded if the warning is reconsider or do not travel.

Great, but since we are not travelling to USA/Africa, GO travel insurance's quote (maximum length of trip 60 days, excess $100 per claim) was $1445.41 for a single 60 day trip for two 'Go Plus' (probably half that for one traveller), but only marginally more for its 'Go Plus' (higher levels of cover than basic) annual multi trip policy at A$1531.00. The only rider is that with the latter, excess rises to A$200 per claim.

I checked COTA but for a single trip for two persons using above criteria it was $1656. Nonetheless it may be handy for older ladies and gents.
 

Danger

Senior Member
Joined
Jun 19, 2006
Posts
6,995
I recently returned from a 45,000+ mile overseas jaunt and took the ANZ credit card insurance, underwritten by Allianz, with me.

I had two issues while I was away. First, Iberia failed to deliver one of my 2 bags. (As an aside, I believe I've flown IB 12 times (at most) in my life and the airline has managed to lose my bags twice.) I was without the suitcase for about 52 hours. Because of the delay I had about AUD300 in expenses. Second, I fell ill in the US with what I thought was likely covid but a PCR test said no. I saw a doctor (which itself is an experience ("Your package includes a strep test but you'll need to upgrade for another $130 if you want the PCR test"). As a result of falling ill, I had medical expenses and had to can a flight and rebook, totalling about AUD800.

After returning to Australia, I spent about 75 minutes completing the claim on the Allianz portal. The claim was approved in less than 45 minutes - on a public holiday! The amount I'm apparently going to receive is what I thought it would be.

So while I didn't have to claim against covid, full points to Allianz for looking after me and in an extraordinarily quick timeframe.
 

Mattg

Enthusiast
Joined
Aug 21, 2011
Posts
12,601
Qantas
Gold
Virgin
Gold
I recently returned from a 45,000+ mile overseas jaunt and took the ANZ credit card insurance, underwritten by Allianz, with me.

I had two issues while I was away. First, Iberia failed to deliver one of my 2 bags. (As an aside, I believe I've flown IB 12 times (at most) in my life and the airline has managed to lose my bags twice.) I was without the suitcase for about 52 hours. Because of the delay I had about AUD300 in expenses. Second, I fell ill in the US with what I thought was likely covid but a PCR test said no. I saw a doctor (which itself is an experience ("Your package includes a strep test but you'll need to upgrade for another $130 if you want the PCR test"). As a result of falling ill, I had medical expenses and had to can a flight and rebook, totalling about AUD800.

After returning to Australia, I spent about 75 minutes completing the claim on the Allianz portal. The claim was approved in less than 45 minutes - on a public holiday! The amount I'm apparently going to receive is what I thought it would be.

So while I didn't have to claim against covid, full points to Allianz for looking after me and in an extraordinarily quick timeframe.

Thanks for sharing. I've spent a lot of time reading PDS documents but it's good to hear about real world experiences.
 

Enhance your AFF viewing experience!

From just $6 we'll remove all advertisements so that you can enjoy a cleaner and uninterupted viewing experience.

And you'll be supporting us so that we can continue to provide this valuable resource :)


Sample AFF with no advertisements? More..

Currently Active Users

Top