Question 1

What countries does my travel insurance provide cover for?

Accepted Answer

Travel insurance cover may be limited in a destination if the NZ Government - MFAT advice on safetravel.govt.nz is showing as 'Do Not Travel'. You can learn more about travel insurance advice alerts here.

There is no cover for any claims arising from Covid-19 if the country or part of the country you travelled to was subject to 'Do Not Travel' advice on SafeTravel at the time you entered the country or part of the country. (This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of Covid-19).

This exclusion will not apply if your trip destination is Australia.

If you are unsure about cover for your intended destination you should call Cover-More on 0800 500 248.

Question 2

If I fall ill with Covid-19, and require medical treatment in a covered country, are medical expenses covered?

Accepted Answer

Yes. If you fall ill with Covid-19 during your trip, there is provision to claim medical and additional expenses, including the cost of extended quarantine if instructed by a Doctor or Government Health Agency. You should read the policy wording to understand the limits and conditions of any Covid-19 related cover.

There is also limited cover for additional expenses if you test positive to Covid-19 during the period of insurance and are required to self-isolate as per the local health authority regulations or you are hospitalised.

Question 3

If I fall ill overseas with Covid-19 and need to be repatriated home, am I covered?

Accepted Answer

Yes, there is provision to claim repatriation costs under the policy. Medical confirmation of this will be necessary from our assistance company.

Question 4

I've decided I need to self-isolate due to possible contact with Covid-19 (not close contact) and no longer wish to travel. Can I claim for a trip refund under my policy?

Accepted Answer

No, there is no provision to claim.

Question 5

There are no government restrictions in place to travel to my destination, but I'm required to quarantine on return from my trip. I no longer wish to travel and want to cancel my holiday. Am I covered?

Accepted Answer

No. If your trip is impacted by government mandated quarantine restrictions, no cover is provided.

Question 6

Whilst on my trip, I'm denied entry to a country due to government restrictions imposed in the arriving county on travellers from countries I have visited en route or from which I have departed. Am I covered for the costs to change my trip?

Accepted Answer

No. If your trip is impacted by any government restrictions, government-issued bans, border closures and mandatory requirements, no cover is provided.

Question 7

I am an essential Health Care worker and my leave is cancelled due to Covid-19. I need to cancel my trip. Am I covered?

Accepted Answer

Yes, there is provision to claim for cancellation costs.

Question 8

There were no government travel restrictions in place when I booked my holiday and purchased my policy. A new outbreak of Covid-19 has led to government restrictions that now prevent me from travelling to the intended destination(s). Am I covered?

Accepted Answer

No, cover is not available in this scenario.

Note: There is no cover for any claims related to government directed restrictions.

Question 9

My flight has been cancelled or re-scheduled due to Covid-19. Can I claim for a refund?

Accepted Answer

No. However, you may be eligible for a credit or refund from your airline or travel provider.

Question 10

How do I make a claim?

Accepted Answer

It's quick and easy to lodge a claim with Cover-More's online claims centre. All you need to get started is your policy number.

Travel insurance with Covid-19 cover

Travelling to international destinations

Benefits

What's not covered

Free Look Period

Contact Cover-More Travel Insurance

Travelling around New Zealand