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I found the COVID -related info for Go Insurance was clearer than most:
Good news! Our travel insurance policies have been updated to include cover for COVID-19 losses. Click here for more details.www.goinsurance.com.au
Seems a good policy but for multi-trip annual, it excludes longer than 60 days.
Could try RACV - have excellent products although with the traveller profile you mention I fear it willbe$$$Thanks yes, COTA. The did tell me it was very expensive. I suspect that it is going to be very exy whomever they find to get TI from.
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.
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.