Travel insurance with COVID-19 cover

Air New Zealand international travel insurance includes cover for medical expenses related to COVID-19

Air New Zealand travel insurance provides cover if you get ill with COVID-19 prior to your trip commencing or get ill with COVID-19 whilst away. There is also limited cancellation and amendment expenses cover relating to COVID-19.

And your travel insurance policy still covers you for many other reasons you might need it: cancellation due to illness, hospital costs if you get injured overseas, medical repatriation, lost luggage, rental car excess cover, travel delay or disrupt, and much more.

Travelling to international destinations

Important information about Air New Zealand travel insurance and COVID-19:

There is no cover for additional expenses if you are diagnosed with COVID-19 on your journey and must quarantine or self isolate.
This policy does not cover (directly or indirectly caused by COVID-19) claims relating to government travel bans; 'Do not travel' warnings; government directed border closure; denied boarding; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel.
There is no cover for COVID-19 related claims if participating in travel on a multi-night cruise.
If your policy is purchased 21 days or less before departure - there are specific terms and conditions that apply.

There are some situations your policy won't cover you for. It is important to read all sections of the policy wording which will help you understand the policy and provide you with information to make an informed decision about whether this insurance is suitable for you.

Buy an international travel insurance policy that can cover you for COVID-19. With medical expenses and limited cancellation and amendment expenses cover, you can travel with peace of mind.

When you book your international flights online you can also add our one-step travel insurance on the Extras page.

Benefits:

Cancelling your trip if you have COVID-19 and are unable to travel. Note: If your policy is purchased less than 21 days before your departure date, then specific limits and conditions apply. You should read the policy wording and if you have further questions contact Cover-More on 0500 248.

Emergency medical expenses if you are diagnosed with COVID-19 on your trip and admitted to hospital.

Repatriation to help you get back home.

If a relative or your business partner not travelling with you becomes sick.

If you are an essential health care worker whose leave is revoked.

What's not covered

There are limits and specific conditions on cancellation and amendment costs if your policy was purchased less than 21 days before your scheduled departure. You should read the policy wording and if you have further questions contact Cover-More on 0500 248.

Claims relating to government-issued travel bans or restrictions; government directed border closures; or mandatory quarantine requirements related to cross area, border, region or territory travel.
There is no cover for additional expenses if you are diagnosed with COVID-19 on your journey and must quarantine or self-isolate.
There is no cover for COVID-19 related claims if participating in travel on a multi-night cruise.
This policy does not cover (directly or indirectly caused by COVID-19) claims relating to government travel bans; 'Do not travel' warnings; government directed border closure; denied boarding; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel.
Any claims directly or indirectly arising from or caused by COVID-19 if you have purchased Domestic Trip insurance with your flight.
Your disinclination to travel due to COVID-19.

Note: this is a summary of key conditions and exclusions. Please read the relevant policy wording for full benefits, exclusions and terms and conditions.

To help you understand what COVID-19 cover applies to your trip we have created this scenario guide (that should be read in conjunction with the relevant policy wording).

Free Look Period

Every insurance policy comes with a money-back guarantee. You have a 21 (calendar) day free look period where, if the insurance doesn't suit your needs, you can request a full refund of the premium paid (as long as no claim is pending and you haven't started your trip). Please contact Cover-More Travel Insurance on 0800 500 248 or e-mail airnz@covermore.co.nz for any refund queries

Contact Cover-More Travel Insurance

Toll free number - Contact Cover-More Travel Insurance on 0800 500 248

Email - For any COVID-19 travel insurance queries email Cover-More Travel Insurance at airnz@covermore.co.nz.

Travelling around New Zealand

Important information:

When purchasing flights online you have the option of adding the Domestic Essentials trip insurance. This policy does not provide cover for any claims directly or indirectly arising from or relating to epidemics, pandemics or an outbreak of infectious diseases, including any claims relating to travel restrictions due to government orders or directives or cancellation of events due to COVID-19.

Contact Cover-More Travel Insurance

Toll free number - Contact Cover-More Travel Insurance on 0800 500 248

Email - For any COVID-19 travel insurance queries email Cover-More Travel Insurance at airnz@covermore.co.nz.

COVID-19 Frequently Asked Questions

What countries does my travel insurance provide cover for?

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.

I'm taking a cruise as part of my travel itinerary. Am I covered for COVID-19 related claims on that cruise?

There is no cover for any claims caused by or arising from cruise travel which are directly or indirectly related to COVID-19.

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

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.

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

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

Before I depart on my trip I contract COVID-19 and my doctor advises that I am unfit to travel, are cancellation or amendment expenses covered?

Yes. There is provision to claim the non-refundable, prepaid costs up to a benefit limit of NZ$5,000 per policy on an international policy or NZ$2,500 per policy on the Domestic Comprehensive policy. If you bought the policy after showing symptoms or seeing a doctor, there is no cover.

Note: If your policy is purchased less than 21 days before your departure date, then specific limits and conditions apply. You should read the policy wording and if you have further questions contact Cover-More on 0800 500 248.

Whilst finishing my trip I have a positive COVID-19 test prior to returning home, can I claim my self-isolation or travel amendment costs?

No, there is no provision to claim.

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?

No, there is no provision to claim.

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?

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

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?

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

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?

Yes, there is provision to claim for cancellation costs.

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?

No, cover is not available in this scenario.

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

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

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

How do I make a claim?