As at 1 Feb 2020, new Travel Insurance policies no longer cover Coronavirus related claims.

Richard

Maintenance Dept
Administrator
Mar 14, 1995
15,562
22,385
813
Clarence Town
Yesterday (31 Jan 20) Travel Insurance Direct & World Nomads declared Coronavirus a ‘known’. New policies no longer cover related claims.

Covermore does not cover ‘pandemics’ so you were never covered anyway. Covermore is what you get from most agencies such as Flight Centre and they are usually the insurer behind your banks Visa/MC deal. So check your existing policies.

Claims against flight cancelations will vary greatly between insurers. If the Aust govt cancels flights (eg in/out China) then you are screwed with Covermore even on existing policies. Flights cancelled by airline are more likely to be covered. Existing policies with premium insurers will possibly cover flight cancelations resulting from blanket state instigated directives. But check.

Either way, if you intend to travel OS the next six months, READ THE PRODUCT DISCLOSURE STATEMENT.

Folks with more detail to add on this issue are asked to please post below.
 

almontyrat

One of Us
Ski Pass
Apr 16, 2005
2,102
3,945
363
Lachlan, Tasmania
1cover in their PDS general exclusions lists pandemic and epidemic, cant copy and paste sorry. Looks like I am screwed if it gets tricky getting back from Japan in March.
 

elSpike

I am a Meat Popsicle
Ski Pass
Jul 28, 2015
849
2,023
263
Our coverage through MSIG Singapore has stated they will cover anything to wuhan that was booked before January 19, and anything to mainland China booked before January 27. Everything else is still covered until any other announcements happen.
 
Remove ads with a
Ski Pass

gapster

Hard Yards
Nov 18, 2010
11
6
53
Canberra
1cover in their PDS general exclusions lists pandemic and epidemic, cant copy and paste sorry. Looks like I am screwed if it gets tricky getting back from Japan in March.
Spoke to 1Cover today. Coronavirus not covered, even if you bought your policy well before cases started appearing. I asked what was the difference between coronavirus and an influenza epidemic, particularly given the bad Japanese flu season last year. Their answer was that the flu is not worldwide, but coronavirus is (?!?!?) and there is a vaccine for the flu that doctors can give you after you have caught influenza (what a goldmine a cure for the flu would be!!!!). In relation to WHO not declaring an epidemic or pandemic (the PDS refers to WHO and DFAT), they had no explanation. I asked them whether they would be emailing all policy holders to inform them of this new, specific advice. They chose not to answer that question. A "complaints manager" will be calling me back....
 

almontyrat

One of Us
Ski Pass
Apr 16, 2005
2,102
3,945
363
Lachlan, Tasmania
Spoke to 1Cover today. Coronavirus not covered, even if you bought your policy well before cases started appearing. I asked what was the difference between coronavirus and an influenza epidemic, particularly given the bad Japanese flu season last year. Their answer was that the flu is not worldwide, but coronavirus is (?!?!?) and there is a vaccine for the flu that doctors can give you after you have caught influenza (what a goldmine a cure for the flu would be!!!!). In relation to WHO not declaring an epidemic or pandemic (the PDS refers to WHO and DFAT), they had no explanation. I asked them whether they would be emailing all policy holders to inform them of this new, specific advice. They chose not to answer that question. A "complaints manager" will be calling me back....
Thanks for the info, I look forward to hearing what the complaints manager says
 
  • Like
Reactions: skifree

gapster

Hard Yards
Nov 18, 2010
11
6
53
Canberra
Thanks for the info, I look forward to hearing what the complaints manager says
I also called the Westpac credit card travel insurance line (used a Westpac card to purchase the airfare). They wouldn't cover cancellation, but would cover medicals so long as destination is not on the DFAT "do not travel" or "reconsider your travel" lists. If you paid for flights with a credit card, check your coverage. Regarding 1Cover, I think they got a little nervous when I used the words "class action by affected policy holders" - hence the escalation.
 

Lady Penelope

One of some lot ...
Ski Pass
Sep 7, 2014
6,674
21,184
563
Canberra
If you've got Aamii then you get no love whatsoever

a human pandemic, epidemic or any other outbreak of
infectious disease including any derivative or mutation of
such diseases, or the threat or perceived threat of any
such pandemic, epidemic or outbreak
AAMI are cheap for a reason!
 

mannyk

One of Us
Ski Pass
May 13, 2014
2,609
1,367
363
62
Gold coast
Now that my NZ trip is cancelled, only credit form NZ air for 12 months.
I can no longer use my insurance policy as Im not leaving the country also my flight wasnt even covered.
So should I get a credit or refund from NZ air insurance? Which I purchased with my ticket.
In my email from NZ air today insurance cover wasnt included in the credit.
So do we need insurance against insurance :confused:
Update.. just received a email stating that I need to contact Cover more for a credit. :thumbs:
 
Last edited:
  • Like
Reactions: elSpike

almontyrat

One of Us
Ski Pass
Apr 16, 2005
2,102
3,945
363
Lachlan, Tasmania
My trip to the mainland is pretty much a gonner... I didn't even bother to ring the travel insurance company to see if I could refund or change the dates (I have rescheduled sailings in the hope things get better). I am 110% sure that had I enquired the answer would be a firm no...
 
  • Sad
Reactions: Lady Penelope

mannyk

One of Us
Ski Pass
May 13, 2014
2,609
1,367
363
62
Gold coast
My trip to the mainland is pretty much a gonner... I didn't even bother to ring the travel insurance company to see if I could refund or change the dates (I have rescheduled sailings in the hope things get better). I am 110% sure that had I enquired the answer would be a firm no...
Cover more are offering credit. Its worth a try.
 
  • Like
Reactions: almontyrat

almontyrat

One of Us
Ski Pass
Apr 16, 2005
2,102
3,945
363
Lachlan, Tasmania
My trip to the mainland is pretty much a gonner... I didn't even bother to ring the travel insurance company to see if I could refund or change the dates (I have rescheduled sailings in the hope things get better). I am 110% sure that had I enquired the answer would be a firm no...
I am completely eating my hat.... I just rang Fast cover and despite my policy stating on the 22nd (last week) they are crediting me the full value. I have re booked later (fingers crossed all the shite has sorted out by late August) so can just apply the policy to the new dates.

So, so surprised but a very happy camper.
 
Remove ads with a
Ski Pass

Log in

or Log in using
Remove ads with a
Ski Pass