Travel insurance with COVID-19 cover

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

Buy a travel insurance policy that can cover you for COVID-19. With unlimited medical expenses and including on-trip additional expenses cover, you can travel with peace of mind.

All international single trip travel insurance policies receive the additional benefits listed below relating to specified COVID-19 related events.

There are further exclusive benefits when travelling in New Zealand and to Australia.

It is important to note that COVID-19 cover in the policy does not apply in the event that any government calls for border closures.

Benefits:

  • Cancelling your trip if you have COVID-19
  • Emergency medical expenses in Australia
  • Repatriation to help you get back home
  • Cover if you’re denied boarding with a positive test for COVID-19
  • Your travelling companion(s) or people you live with being diagnosed with COVID-19

When travelling to Australia:

  • Additional expenses if you are ordered to self-isolate in your holiday accommodation if you have COVID-19
  • The people you're staying with on holiday being diagnosed with COVID-19

Find out more below and when you're ready, get your quote today

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

If you change your mind about your holiday, you can also request a refund or credit of your travel insurance policies.

What's covered

  • Cancellation costs if you get COVID-19 or you're placed into quarantine due to contact with someone who has COVID-19 and you cannot travel
  • Cancellation costs if your travel companion gets COVID-19 or is placed into quarantine and you no longer wish to travel
  • A non-travelling relative or business partner gets COVID-19, and you need to amend or cancel your trip
  • Amendment or cancellation costs if you are denied boarding due to COVID-19
  • Amendment or cancellation cover for essential healthcare workers e.g. doctors, nurses, pharmacists, paramedics or other healthcare professionals whose leave is revoked due to COVID-19
  • Australia travel only: Cover for additional accommodation expenses of $250 per night if the person you were planning on staying with gets COVID-19 or they are placed in quarantine
  • Australia travel only: Cover for cancellation or new accommodation expenses if your prepaid accommodation is shut down for cleaning
  • Australia travel only: Cancellation costs for your prepaid holiday activities if they are closed due to COVID-19

What's not covered

  • Claims relating to government-issued travel bans; government directed border closures; or mandatory quarantine requirements related to cross area, border, region or territory travel
  • Any destination that has a government health advisory of "Do Not Travel". The cover for trips to Australia does not depend on the advice at safetravel.govt.nz. There is COVID-19 cover only for travelling to Australia regardless of any government travel warnings
  • Change in government Alert Levels mean you cant leave home or travel overseas
  • All claims arising from your participation in any cruise related travel is not covered
  • Your disinclination to travel due to COVID-19

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

Coverage now includes travel to, from and through Australia and New Zealand for all new single trip travel insurance policies.

For all other countries, coverage is activated when the NZ government (via safetravel.govt.nz) removes the 'Do Not Travel' restriction related to COVID-19 from your destination.

Included with:

Australia Travel Insurance (bundled with flights on airnewzealand.co.nz)

Worldwide Travel Insurance (bundled with flights on airnewzealand.co.nz)

International Single Trip (sold via insurance.airnewzealand.co.nz)

International Business Single Trip (sold via insurance.airnewzealand.co.nz)

Domestic Comprehensive (sold via insurance.airnewzealand.co.nz)

Does not include Domestic Trip, Annual Multi-trip, Visit New Zealand, Koru or Rental Vehicle Excess insurance policies.

Eligibility

Policyholder must be a New Zealand citizen or resident.

Travel must originate in New Zealand.

Reminder

Before you travel, you’ll need to know:

  • Check that the NZ Government (safetravel.govt.nz) say it’s safe to travel to your destination. It’s important you check your destination is safe to visit regularly as advice can change. The cover for trips to Australia does not depend on the advice at safetravel.govt.nz
  • Check your destination’s local government advice, safety guidelines and entry requirements.

Note: If the travel advice changes while you’re on holiday, you will be covered if your destination was listed as safe when you commenced travel.

Putting your insurance policy into credit

Air New Zealand customers with travel insurance bought online in conjunction with a flight booking can contact Cover-More Travel Insurance to cancel their policies and convert the value of that insurance policy to a credit voucher that can be redeemed against future travel insurance policies.

Information is available in Air New Zealand's COVID-19 Hub.

Please contact Cover-More Travel Insurance on 0800 500 248 or e-mail airnz@covermore.co.nz for any COVID-19 travel insurance queries.

COVID-19 Frequently Asked Questions

What countries does my travel insurance provide cover for?

As at 9 December 2020, COVID-19 cover is available to New Zealand residents and citizens travelling within New Zealand and to Australia. Cover to any other destination is only activated (i.e. cover is included) when the NZ Government – MFAT advice on safetravel.govt.nz is downgraded from 'Do Not Travel ' to "Exercise increased caution".

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. The policy also covers your travel companion or business partner listed on the Certificate of Insurance for the trip. (Note: Cover provided is subject to medical certification of a positive test result, and relevant medical and additional cost receipts are required to make a claim.)

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

Yes, there is provision to claim repatriation costs under the policy when travelling in Australia and other countries deemed safe-to-travel to, by the NZ Government.

While on my trip, if I have to go into quarantine, are the quarantine expenses covered?

Australia only

Yes, there is provision to claim under your policy, as long as this is due to you, (or your travel companion), either coming in contact with COVID-19, or falling ill with COVID-19.

If quarantine is mandated as part of a government border closure, then no cover is provided.

All other destinations

No, there is no provision to claim

If I am diagnosed with COVID-19 or was in close contact with someone diagnosed with COVID-19 and can’t go on my trip, can I claim my cancellation costs?

Yes. There is provision to claim the non-refundable, prepaid costs under the cancellation section of your policy. If you bought the policy after showing symptoms or seeing a doctor, there is no cover.

 

A qualified medical practitioner or a Government Agency has instructed me to self-isolate. Can I make a claim under my policy?

Yes, there is provision to claim for this situation. Cancellation and/or additional expenses are covered.

This is subject to confirmation by a local public health authority or medical certification from a qualified practitioner. There is no cover if you were requested to isolate prior to your policy purchase.

You must be travelling to Australia or in New Zealand, or any other country deemed safe-to-travel to, by the NZ Government.

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. Cancelling your trip due to your disinclination to travel because of COVID-19 is not covered.

If my accommodation or travel plans at my destination are disrupted due to COVID-19, am I covered?

Australia only

Yes, there is provision to claim. If at any time after purchasing your policy, either before or during your trip, your travel plans are disrupted due to COVID-19, you can claim for accommodation, event and excursion expenses. There is no cover for circumstances known to you at the time of purchase.

All other destinations

No, there is no provision to claim

What if a close relative has COVID-19 which has been deemed as life threatening and I need to cut my trip short?

Yes, there is provision to claim. You’re covered for cancellation and any additional expenses should you need to return home.

The policy contains benefits that permit you to claim for alternative accommodation, cancellation costs, or associated additional expenses, whichever is lesser.

You must be travelling to Australia or in New Zealand, or any other country deemed safe-to-travel to, by the NZ Government.

The relative must be resident is either Australia or New Zealand.

The family member I’m due to stay with must self-isolate due to pandemic illness and I now have nowhere to stay and wish to cancel my trip. Will I be able to claim costs?

Australia only

Yes, there is provision to claim for alternative accommodation, cancellation costs, or associated additional expenses, whichever is lesser.

All other destinations

No, there is no provision to claim

The person I’m staying with catches COVID-19 and I need to isolate or quarantine for 14 days. Will I be able to claim costs?

Australia only

Yes, there is provision to claim for alternative accommodation, cancellation costs, or associated additional expenses, whichever is lesser.

All other destinations

No, there is no provision to claim

I was denied boarding due to a positive COVID-19 test at the airport. Am I covered?

Yes, there is provision to claim

I was denied boarding due to failing a temperature check at the airport. Am I covered?

Yes, there is provision to claim

A relative has passed away from COVID-19 and my trip is now disrupted or cancelled. Will I be able to claim costs?

Yes, there is provision to claim for alternative accommodation, cancellation costs, or associated additional expenses, (whichever is the lesser), subject to you policy being purchased prior to your relative being diagnosed with COVID-19. Your relative must be resident in either Australia or New Zealand.

If the show or concert I’m attending is cancelled due to COVID-19 will I be covered?

Australia only

Yes, there is provision to claim. Your policy covers non-refundable special events where tickets are pre-purchased, such as shows, concerts, conferences, festivals and racing events.

You must be travelling to Australia or in New Zealand.

You will not be covered if the event is cancelled as part of a government directed intervention that applies cross- area, border, region or territory.

All other destinations

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.

I am an essential Health Care worker and my leave is cancelled due to having to return to work. I need to cancel my trip. Am I covered?

Yes, there is provision to claim for cancellation costs.

My flight has been cancelled or re-scheduled due to COVID-19, and I cannot catch a connecting flight and will not arrive on the tour or event on time. Am I covered for additional expenses?

Yes, there is provision to claim for this situation only when the cancellation or rescheduling is not caused by government bans, border closures, mandatory requirements, etc. Your policy contains benefit sections for the event refund and/or additional expenses incurred as a result of missing your connecting flight.

If I purchase my trip and travel insurance policy to a country that is deemed safe to travel by the government as confirmed on www.safetravel.govt.nz and before I depart, the government issues a “Do Not Travel” warning related to COVID-19, can I claim my cancellation and amendment expenses?

No, there is no provision to claim cancellation or amendment costs.

Note: The cover for trips to Australia does not depend on the Safe Travel advice.

There is COVID-19 cover only for travelling to Australia, or any other country deemed safe-to-travel by the NZ Government.

You are eligible for a 100% premium refund provided that you have not made a claim against the policy.

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.

You are eligible for a 100% premium refund provided that you have not made a claim against the policy.

My holiday has been cancelled due to a pandemic and my holiday provider is only offering a voucher rather than a refund. Can I claim a refund under my travel insurance policy?

No. Your policy covers irrecoverable losses only. Please note that in most cases you may have a right to a credit or refund from your holiday or travel provider.

My travel provider goes into administration due to the pandemic. Can I claim for refunds under my travel insurance policy?

No. Regardless of the circumstances that lead to administration, insolvency is not covered.

I have an existing travel insurance policy for Australia or New Zealand. Am I automatically covered for COVID-19?

No. If you bought your cover before 28 October 2020 for your upcoming holiday, you are not automatically covered as a Supplementary Policy Wording has been issued. You must contact Cover-More to update your existing policy.

If you bought your cover to other countries before 9 December 2020 for your upcoming holiday, you are not automatically covered as a Supplementary Policy Wording has not been issued. You must contact Cover-More to update your existing policy.