Travel Insurance with Cover-More
Vibrant Women Travel has compared several travel insurance providers to provide you with what we think is the best option in terms of travel insurance for our guests. We have worked with Cover-More during several emergency situations overseas and they have always been great in a crisis. Our clients also tell us they are prompt and efficient in their response to claims. It is of course up to you to do your due diligence in terms of choosing the best travel insurance to suit you. Vibrant Women Travel cannot answer any travel insurance related questions please contact the experts directly below. * Vibrant Women Travel cannot be held responsible for any false or misleading information provided by Cover-More nor can we be responsible for any decisions made regarding claims. We are merely making a suggestion based on past experience.
Coronavirus Travel Insurance Benefits
- COVID-19 benefits do not provide cover for claims related to government border closures or lockdowns.
(For example, if the relevant Australian State or Territory government does not open the border or closes it and you can’t or don’t want to travel, this is not covered by our policy.)
- Mandated COVID-19 tests are not covered by our policy.
(For example, tests required by the travel provider or border authorities.)
- Cruise travel: some COVID-19 benefits do not apply to claims involving travel on a multi-night cruise.
(For example, costs if you are diagnosed with COVID-19 on your cruise.)
For the latest information on COVID-19 and travel restrictions, please visit smartraveller.gov.au or the relevant Australian State or Territory government website.
Looking for travel insurance that covers coronavirus? From 9 December 2020 onwards, if you buy a new policy on our International, Inbound, and Domestic Plans, you’ll receive cover for several COVID-19 travel insurance benefits.
When it’s safe to do so, and when you’re ready to travel again, so are we. Whenever you’re able to escape the everyday and explore the natural beauty of Australia or an overseas destination Smartraveller marks as safe during the current coronavirus pandemic, our Cover-More travel insurance for coronavirus can help give you peace of mind and extra confidence to book the trip you’ve been longing to take.
Our best COVID-19 travel insurance benefits
From 9 December 2020, new policyholders will now receive the below extended travel insurance cover for some common scenarios relating to COVID-19:
When travel restrictions are eased, our international and inbound plans provide cover for medical treatment expenses incurred overseas if you’re diagnosed with COVID-19 by a qualified medical practitioner while on your journey*.
Our domestic and international plans provide cover for several unforeseeable amendment and cancellation costs relating to COVID-19 if you have added our cancellation cover to your policy. Please note: if you can’t travel because of border closures or lockdowns, this type of claim is not covered.
Our domestic and international plans provide cover for a variety of additional costs should you find your trip plans are cut short or need to change because of various COVID-19-related reasons (not including border closures or lockdowns, though).
Our COVID-19 travel insurance benefits also provide cover for unexpected travel delays and disruptions for special events relating to COVID-19 if you’re travelling within Australia or New Zealand. To find out what we do – and don’t – cover under these sections, check out the Product Disclosure Statement (PDS).
We understand many Australian travellers are concerned about the financial impact of catching coronavirus while they’re outside Australia.
To help ease your worries and help keep you travelling when – and where – it’s safe to do so, as the government starts to lift travel restrictions, our Cover-More travel insurance coronavirus benefits can provide cover for your COVID-19-related overseas medical costs*.
This cover applies if you’re diagnosed with COVID-19 by a qualified medical practitioner during your journey and includes cover for costs resulting from any medical treatment and ambulance transportation you require when suffering from COVID-19.
We cannot pay for any medical costs resulting from COVID-19 if your claim is related to you having travelled on a multi-night cruise or if you’re travelling to a country that is subject to “Do not travel” advice from Smartraveller at the time you enter the country or part of the country.
We always advise travellers consider buying their travel insurance policy as soon as they book their trip, and this advice remains true during the current coronavirus pandemic, too. When you purchase a domestic or international travel insurance policy with added cancellation cover early on, you immediately have cover provided for several amendment and cancellation costs*.
If you’re travelling within Australia or overseas on an international, inbound or domestic policy, we can provide cover for a number of COVID-19-related cancellation and amendment situations*.
This may include:
- If you are diagnosed by a qualified medical practitioner with COVID-19 prior to your departure and can no longer travel.
- You need to cancel or amend your trip as a non-travelling relative or business partner in Australia or New Zealand contracts COVID-19 and is a life-threatening condition.
- You’re an essential healthcare worker and your leave is revoked because of COVID-19.
We hope this gives you extra confidence to book an upcoming trip knowing some COVID-19 cancellation cover is included in your travel insurance policy.
It doesn’t matter how much time and effort you put into planning your trip, the unexpected can always happen when you’re away from home – even more so during a global pandemic.
To help you navigate several unexpected costs that may arise from COVID-19, our Cover-More travel insurance coronavirus benefits can help protect you from several scenarios that may result in unexpected costs.
If you’re an international or domestic travel insurance policyholder, we can provide cover for several additional expenses incurred, such as costs of quarantine or isolation if you’re diagnosed with COVID-19 during your trip, if you pass away on your trip because of COVID-19, or if you need to amend your trip because your non-travelling relative or business partner residing in Australia or New Zealand become sick because of COVID-19.
We cannot pay for any additional expenses resulting from COVID-19 if your claim is related to you having travelled on a multi-night cruise or if you’re travelling to a country that is subject to “Do not travel” advice from Smartraveller at the time you enter the country or part of the country.
Please refer to the PDS and check out our COVID-19 FAQs page for full details on benefit limits and what is and isn’t included, as unfortunately we cannot cover everything (including border closures).
Coronavirus travel insurance FAQs
Got a question about our Cover-More coronavirus cover? Visit our COVID-19 FAQs page for answers to our customers’ common questions.
Alternatively, you can call our friendly team on 1300 72 88 22.
What doesn’t Cover-More’s travel insurance coronavirus benefit cover?
Unfortunately, our travel insurance that covers coronavirus can’t cover absolutely every scenario that may occur because of the global pandemic. We encourage you to read the PDS and check out our COVID-19 FAQs page before you consider purchasing our travel insurance to ensure it’s adequate for you and your trip.
We will not pay for any claims arising from or caused by COVID-19 if:
- you incur costs or expenses due to mandatory quarantine or isolation orders required to cross a border, such as a border between states, countries, or regions.
- the government bans travel before or during your trip, such as: “Do Not Travel” travel warnings; government directed border closures; or mandatory quarantine or self-isolation requirements related to cross area, border, region, or territory travel.
Please note: some of our coronavirus travel insurance benefits only apply if you are travelling within Australia and New Zealand.
Eager to travel again?
Find out how much it costs to protect your trip with our travel insurance that covers coronavirus.
*Please note Vibrant Women acts as a referrer only. If you buy the insurance we get commission of up to 10% on the premium less taxes and charges. We cannot and do not make any recommendation on the insurance product and whether it is right for you. You must do you own due diligence in terms of whether or not this insurance meets your needs. We have had good experience with Cover-More in the past and continue to recommend them to our guests. Vibrant Women will not be held responsible for any disputes arising from any claims or dissatisfaction with the policy. Please pay extra attention to sections on existing illness to ensure you are satisfactorily covered as well as for any activities that require risk. Note maximum payouts in circumstances such as delayed travel. Different levels of cover provide different protection. If in doubt contact Cover-More to discuss your needs. **Vibrant Women cannot answer any questions about travel insurance, please contact Cover-More HERE if you have any questions.