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Travel insurance that covers COVID

What travel insurance will cover COVID? Most actually. Pop in your details to get quotes from 11 brands – that's more than any other site in Australia

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What you need to know

  • Many travel insurers cover COVID-related expenses.
  • It can cover you for medical expenses, cancellations and trip changes.
  • While the worst is over, travel insurance claims for COVID remain very high – so cover is still important.

How does travel insurance cover COVID?

Travel insurance can cover you for:

  • COVID-19 medical expenses.
  • Trip rearrangement costs – if you, a fellow traveller or your host gets COVID and it impacts your trip.
  • Expenses if you're diagnosed with COVID on your trip and need to extend your trip.

Some brands go further when it comes to COVID benefits. Benefits can include:

  • The accommodation or venue you planned to stay at is suddenly closed.
  • A prepaid activity that's booked in Australia or New Zealand is shut down.
  • If you're denied boarding on transport due to symptoms.
  • Extra child care costs if you get COVID.
  • Added pet care costs if you're infected and can't return home.

Some providers, including Cover-More and Easy Travel Insurance, won't accept COVID-related claims within 21 days of your trip. Just one reason you should get insurance as soon as you book your trip.

Coronavirus
How travel insurance can cover COVID: A real-life example

Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.

Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.

Their insurer, Southern Cross Travel Insurance, covered just under $3,000 in costs. The family paid a $500 excess to claim on 2 events.

Which travel insurers cover COVID?

Finder has partnerships with over 15 travel insurers that offer specific cover for COVID-19.

BrandCOVID-19 medical expensesCovid-19 related cancellationCooling off periodApply
ahm life insurance
$10,00021 days
Bonus
Get quote
Qantas travel insurance
Unlimited21 days
Bonus
Get quote
Stella travel insurance logo
$40,00021 days
Bonus
Get quote
Freely Logo
$5,00021 days
Bonus
Get quote
InsureandGo Logo
$5,00014 days
Finder AwardBonus
Get quote
Kogan travel insurance logo
$5,00021 days
Bonus
Get quote
WAS Logo
$4,00021 days
Bonus
Get quote
Travel Protect
$4,00021 days
Bonus
Get quote
Tick Logo
$2,50014 days
Bonus
Get quote
Zoom logo
14 days
Get quote
Fast Cover Logo
$5,00025 days
Finder AwardBonus
Get quote
Insure4Less Travel Insurance Logo
14 days
Get quote
Travel Insuranz Travel Insurance Logo
14 days
Get quote
World2Cover Logo
$3,50021 days
Get quote
Covermore logo
$5,00021 days
Bonus
Get quote
Southern Cross LogoSCTI
$5,00014 days
Finder Award
Get quote
Travel Insurance Saver
$10,00021 days
Get quote
Easy Travel Insurance
$5,00021 days
Get quote
Medibank Travel Insurance
$10,00021 days
Bonus
Get quote
All clear travel insurance logo
$5,00014 days
Get quote
Australia Post
21 days
Get quote

What's not covered by COVID travel insurance?

While many of these scenarios are uncommon now, it's worth keeping in mind you typically won't be covered for these COVID-19-related events:

  • You ignore a doctor's advice that you aren't well enough to travel.
  • You travel to a country deemed by unsafe by Smartraveller (Level 3: Reconsider your need to travel or Level 4: Do not travel)
  • PCR or rapid tests where you are required to be tested in order to travel.
  • You cancel plans due to government-enforced border closures or lockdowns.
  • You enter into quarantine or self-isolation that you knew about in advance.

COVID is still a very real risk when travelling in 2023

Covid continues to be one of the main reasons our customers claim, and it looks like it's going to affect travellers for some time to come. Taking a look at the data for our International Comprehensive policy, it's clear claims spiked as travellers really started to take off around the world again. And, while there's been a dramatic slump since September '22, Covid still makes up 11% of all claims paid to customers across the two markets. On average we are paying out claims for cancellation and travel disruption due to Covid to the value of $1,500, which is a sizeable cost.

What to keep in mind with travel bookings

With travel plans changing all the time, you may want to choose flexible flight payment options – which have been offered by the likes of Qantas and Virgin – to help reduce out-of-pocket expenses if things go wrong.

"Look through each travel provider's terms and conditions, paying close attention to their wording on cancellations and refunds," explained Adam Glezer, travel expert and consumer rights advocate.

Glezer added: "If your terms and conditions are live on a website, make sure you print a copy for your records. In the event of a cancellation, you'll have the relevant evidence of your entitlements."

It's a good idea to try booking with flexible conditions for minimum hassle. Keep in mind, if you book through a third party such as a travel agent, you'll also have to deal with it for any refund or change requests.

Finally, be sure to check your passport has at least 6 months' validity before it expires.

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