Travel insurance COVID: Does it cover hotel quarantine?

Posted: 27 January 2022 2:42 pm
News
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Travel insurance can cover COVID hotel quarantine, but there's one major exception.

Travel is back in Australia, at least in most states, but if you're reluctant about jetting off overseas somewhere, or even closer to home, you're not alone.

According to new research by Finder, 3 in 4 Australians are feeling anxious about heading abroad.

Whether it's Omicron, the added paperwork involved in getting out of the country or merely the prospect of travelling again after 2 years – it's, well, a lot.

Unsurprisingly, as of January, less than 1 in 5 Australians are planning an international trip in the next 12 months, according to Finder's Consumer Sentiment Tracker.

People's biggest concern is catching COVID while on holiday, with nearly half of respondents saying they're worried about falling ill overseas.

The good news: Travel insurance can cover quarantine costs if you catch COVID

If you catch COVID while you're away, you'll likely need to reschedule your flight at least 14 days after the original positive result and quarantine in the hotel or accommodation you're staying at.

Fortunately, travel insurance can cover costs associated with rescheduling your flight and quarantining if you or someone you're travelling with catches COVID.

Finder researched 36 policies and found 22 that can cover quarantine costs if you catch COVID or are deemed a close contact and need to quarantine.

Most insurers state that they will pay the "reasonable costs" associated with additional travel, meals and accommodation.

BrandCovers some COVID-19-related expenses?Apply
World2Cover Logo
Yes
Get quote
Fast Cover Logo
Yes
Get quote
Freely Logo
Yes
Get quote
Covermore logo
Yes
Get quote
Travel Insuranz Travel Insurance Logo
Yes
Get quote
Insure4Less Travel Insurance Logo
Yes
Get quote
InsureandGo Logo
Yes
Get quote
TIck Logo
Yes
Get quote
Medibank Travel Insurance
Yes
More info
Southern Cross LogoSCTI
Yes
More info
Travel Insurance Saver
Yes
More info
Easy Travel Insurance
Yes
More info
1Cover Logo
Yes
More info
ahm life insurance
Yes
More info
Boomers Logoboomers-travel-insurance
Yes
More info
Qantas travel insurance
Yes
More info
RACV Travel Insurance Logo
Yes
More info
Travel Insurance Direct Logo
Yes
More info
Picture not described
Yes
More info
Worldcare
Yes
More info
Travel with Kit Logo
Yes
More info
Travel with Jane Logo
Yes
More info

It's a similar situation if you're travelling within Australia. Finder found 12 travel insurance policies that can cover costs associated with quarantining if you catch COVID. This includes InsureandGo's Silver and Gold policies, Tick Insurance and Cover More.

The bad news: You won't be covered for quarantine costs you knew about in advance

If you go into quarantine or self-isolation that you knew about in advance, for example, if you plan to travel to WA, where you're required to quarantine for 14-days, then travel insurance won't cover you.

This may seem a little unfair, but it makes sense, since travel insurance is designed to cover unforeseen costs – not expenses you were aware of before you left.

How to make a claim for quarantine costs

To make sure you get reimbursed for quarantine costs, you will need to do 2 things:

  1. Provide written confirmation from a medical practitioner or local health authority that you are required to quarantine because you or your travelling party has been diagnosed with COVID or is a confirmed close contact.
  2. Keep receipts of every additional travel, accommodation and meal expense. This will make it easier for the insurer to reimburse you for the costs incurred.

It's also worth noting that, if you do catch COVID, airlines such as Qantas require travellers who have recovered from COVID to submit a separate clearance form. This is in addition to the doctor's note you'll need which will allow you to travel with a positive PCR result so long as you have recovered.

Finder has a page dedicated to travel insurers that cover COVID-19-related expenses. If you're ready to book that long-awaited trip, you can compare policies here, click through for a quote and know that you're covered should something happen.

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