Qantas offers some cover for travel impacted by coronavirus. This includes if your trip is cancelled due to a coronavirus diagnosis, unexpected quarantine expenses and pet care services if your return home is delayed due to COVID-19.
Qantas is one of the few brands that offers a $0 excess on domestic policies. This means if you need to make a claim on your trip in Australia, you won’t need to pay an excess.
Cons
Qantas's policies aren't as flexible as you might need. With just a few options to choose from, you won't be able to tailor your policy as you would with other insurers.
Summary of Qantas's International Comprehensive policy
Overseas medical and hospital expenses
Unlimited
Cancellation and amendment fees
Unlimited
Luggage and personal effects
$15,000
Maximum age limit
122
Table updated November 2023
How does Qantas Travel Insurance cover COVID-19?
Qantas covers a variety of coronavirus-related travel costs that should suit most travellers. The following are the key benefits covered:
Overseas medical expenses if you get sick while on your trip.
Medical evacuation and repatriation if it's medically necessary to relocate you for medical care.
Coronavirus travel costs include cover for trip cancellation if you are diagnosed with coronavirus and quarantine expenses.
However, some exclusions do apply, including costs related to a broadly imposed government quarantine and travel to a region while there is a "Do Not Travel" warning.
What policies does Qantas offer?
Qantas has 2 single trip travel insurance policies to choose from: International Comprehensive and Australian Comprehensive. If you're planning more than one trip for the year, a Qantas Annual Multi Trip policy is also an option for trips in Australia and overseas.
International Comprehensive
Australian Comprehensive
Annual Multi Trip
Qantas Travel Insurance is underwritten by AIG Australia Limited. It comes with a cooling-off period of 21 days, which means you can cancel your policy within this period and Qantas will refund your premium, as long as you haven’t departed for your trip, and/or haven’t made a claim on your policy.
An excess is the amount you need to pay when you make a claim. The standard excess on this policy is $100. An excess doesn’t apply for the Australian comprehensive policy.
Here's a breakdown of Qantas Travel Insurance features
Every travel insurance policy will have a list of insured events it will cover you for. While each type of policy will differ, the main benefits provided by Qantas Travel Insurance include the following:
For more flexibility, Qantas offers extra cover that might be worth adding on. These options attract an additional premium, but not having it when you need it, means you're not covered at all. For example, if you’re injured while skiing overseas, you won’t be covered for medical expenses unless you’ve purchased the snow sports cover option.
Snow sports cover option. This is for when you’re hitting the slopes. It includes coverage for snow sports equipment if it is lost or stolen and cover for pre-paid ski costs such as a lift pass or lessons which you are unable to use due to a sickness, illness or injury.
Specified medical conditions option. Qantas has a list of conditions that are automatically covered for overseas trips, but if you have an existing medical condition that is not automatically covered, you may be able to apply to have your existing medical condition/s covered as a Specified Medical Condition under this optional coverage by completing a medical assessment.
Exclusions
No two policies are the same, but there is always a list of scenarios where you won't be covered under your travel insurance. Qantas Travel Insurance will not cover you for any of the following:
Cancellation of travel arrangements caused by or within the operational control of your public transport provider.
Putting yourself in danger by your use of alcohol or drugs, unless the drugs have been prescribed by a medical practitioner
Any condition that has been given a metastatic or terminal prognosis at the time of buying a policy and/or before commencing travel.
Pregnancy if you’re more than 26 weeks pregnant at the start of or during your trip (including routine pre-natal care and childbirth)
Self-inflicted injury
Planned or actual travel to, or choosing to stay in, any country or region where there is a 'Do not travel' advisory
Cyber attacks
Insolvency or bankruptcy of a person, company or organization involved in your travel arrangements
This list isn't exhaustive, so make sure you review Qantas's PDS for a detailed breakdown of what is and isn't covered. These can be found under its list of general exclusions.
How to make a Qantas Travel Insurance claim
Qantas accepts claims 24 hours a day, 7 days a week and you can lodge a claim while you are still overseas or when you're back at home. You can download a claim form at https://travel.insurance.qantas.com/claim-form and return it via email at qantasinsuranceclaims@aig.com or by post to:
Qantas Travel Insurance Claims AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008
It's strongly recommended you contact AIG Claims as soon as reasonably possible after the event. You should also have the following information available:
Travel insurance policy number
Proof of your travel dates (e.g. eTickets)
Relevant credit card statements to show proof of purchase
Any relevant documents to support your claim (e.g. police report)
Here's the bottom line about Qantas Travel Insurance
Qantas Travel Insurance has a clear policy offering that makes it easy to understand what you are and are not covered for. Its inclusions are generous and include some important features like COVID-19 cover. Add on some attractive bonuses for Qantas Frequent Flyer members and you've got a solid option for your next holiday.
Where Qantas falls short is with its lack of flexibility in each of its policies. If what you need isn't included in its list of features, then you'll have to look elsewhere for the right cover.
Yes, Qantas offers standalone travel insurance, so you can purchase a policy to go along with an upcoming Qantas flight or with any type of holiday you've got planned, regardless of carrier.
Qantas Travel Insurance is underwritten by AIG Australia Limited.
You can use points to purchase Qantas Travel Insurance only when it is obtained as part of a flight booking made on the Qantas website. You won't be able to use a mixture of points and cash to purchase your travel insurance.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
Thanks for your question. Most airlines add a commission on top of the price of each policy, which can means the policy may end up costing you more than if you went direct to the underwriter of the policy. Qantas is not currently one of the travel insurance brands in the Finder comparison panel.
If you would like to compare policies from the brands in our panel, please head to the travel insurance home page and enter your travel details.
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is qantas comprehensive travel insurance A+++?
Hi Alan,
Thanks for your question. Most airlines add a commission on top of the price of each policy, which can means the policy may end up costing you more than if you went direct to the underwriter of the policy. Qantas is not currently one of the travel insurance brands in the Finder comparison panel.
If you would like to compare policies from the brands in our panel, please head to the travel insurance home page and enter your travel details.
I hope this was helpful,
Richard