Travel Insurance which covers COVID-19?

[Lynda2475]

Medibank has poor web design which means its very easy to buy a multi-trip policy that does not cover the whole world, as the only way to get to a multi-trip policy seems to be to do a single trip first, then click the link at the top for multi which then re-uses the destinations only from the first trip you entered.

So If I start with my Fiji Trip (6 nights) - $171 seems ridiculous:



it then gives an annual policy pricing which includes Fiji only:



Whereas if I start with my August UK and US trip and choose world wide (as any trip including the USA or Africa costs the same as world wide) then I get:




A better design would be to have you pick the date you want the multi-trip policy to start which is usually the purchase date and then enter the regions you want cover for.

I suspect many put in their first trip and then dont realise that the multi-trip policy pricing is based only on that location/s and could get out if their other trips go elsewhere.

 

[Must...Fly!]

I just purchased my Medibank policy, didn't have any issues with the web layout personally. $349 total, for annual worldwide multi trip, 30 day trip duration and $250 excess. Pretty pleased when the single trip was looking to be around $200-250.

 

[MEL_Traveller]

Many of those scenarios are covered by the Medibank policy, some are subject to a limit, however some are not.

See the Medibank PDS Section 18 on COVID-19. http://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/PDS_MBC.pdf

Thanks So after 5 days when you are no longer infectious are you still medically diagnosed as 'unfit for travel'? Or will it be enough that you have been diagnosed, but respective governments won't then allow you in for 7 or 14 days?

 

[Lynda2475]

My Trips with Go Insurance which provides higher coverage for Covid under Go Plus (or equivalent under Go Basic) would be:

6 Day Fiji Trip = $76 (Go Plus) or $54 (Go Basic)
30 day UK/US Trip = $401 (Go Plus) or $308 (Go Basic)

The higher coverage is particularly important on a longer over seas trip where you flights are in J. But my research continues.

 

[Danger]

The issue I have with the Amex cover isn't whether covid is in or out but the requirement to pay "the full return fare for a return trip" on the card. For a multi-sector trip or a trip booked a bit at a time with points, that's problematic. Amex's cover would have to be the bee's knees for me to use it to pay for travel priced in a foreign currency, just to get the insurance.

 

[MEL_Traveller]

can’t remember if it’s already been discussed upthread but i have just been looking at cover though Allianz. It is half the price of medibank and while it has a general exclusion for pandemics they *are* providing cover for covid as an exception. A 30 day policy to USA/UK, comprehensive, was just $235. Which i think is pretty good. Unless I’m missing something major? Travel Insurance: Get A Quote Now | Allianz Australia

Seems to cover additional accommodation en route if you become sick/diagnosed with covid.

 

[Pushka]

can’t remember if it’s already been discussed upthread but i have just been looking at cover though Allianz. It is half the price of medibank and while it has a general exclusion for pandemics they *are* providing cover for covid as an exception. A 30 day policy to USA/UK, comprehensive, was just $235. Which i think is pretty good. Unless I’m missing something major? Travel Insurance: Get A Quote Now | Allianz Australia

Seems to cover additional accommodation en route if you become sick/diagnosed with covid.

I found the Medibank one extremely expensive for our ages, more so than Insureandgo which also covers for the necessary pre-existing stuff and a lower price.

 

[Lynda2475]

According to Choice:

1. Allianz and Worldcare don't cover cancellation or amendment expenses if you're deemed a close contact while on your journey.

2. InsureandGo doesn't cover close contacts for cancellation or amendment expenses.

3. Jetstar doesn't cover close contacts for cancellation or amendment expenses. It also doesn't cover cancellation expenses if you test positive to COVID-19 while on your journey, but it does provide $1000 additional expenses to cut your trip short.

4. Qantas doesn't cover cancellation expenses if you're deemed a close contact in Australia before you depart.

 

[Pushka]

According to Choice:

1. Allianz and Worldcare don't cover cancellation or amendment expenses if you're deemed a close contact while on your journey.

2. InsureandGo doesn't cover close contacts for cancellation or amendment expenses.

3. Jetstar doesn't cover close contacts for cancellation or amendment expenses. It also doesn't cover cancellation expenses if you test positive to COVID-19 while on your journey, but it does provide $1000 additional expenses to cut your trip short.

4. Qantas doesn't cover cancellation expenses if you're deemed a close contact in Australia before you depart.

Just need to make sure the person you are a close contact of is in the travelling party I guess.

 

[Lynda2475]

Interesting that AHM and Medicare are the same company and their policies cover the same things, I dont have health insurance with either, but the AHM policies (http://policy.travelinsurancepartners.com.au/partners/ahm/files/documents/pds_ahm.pdf) are considerably less expensive than Medibank and the webiste much more straight forward especially for annual multi-trip policies.

Also interesting that multi-trip policies have gotten very expensive everywhere and so far, no matter which company its cheaper for me to buy separate policies than a multi-trip one.

 

[Lynda2475]

Just need to make sure the person you are a close contact of is in the travelling party I guess.

Also not a concern for anyone who lives alone, as no worry about being a close contact (unless you live in WA).

 

[stoney]

I found most of those didn't like covering me lol
Few of those health issues makes them grumpy especially going to USA

Qantas are not insuring you if over 70 years.

 

[Mattg]

I'll soon be travelling overseas for around 4.5 months and just had a look at various travel insurance options. The quotes ranged from $800 to the most expensive being $1518 with Qantas Insurance.

There were a few policies that didn't meet my needs, e.g. because they don't cover travel to destinations listed on Smartraveller as "reconsider your need to travel" (I will be travelling to a Level 3 country) but I ended up being happy enough with the InsureandGo One-trip International Gold policy which was $855 with a 10% discount code and a $100 excess.

 

[drron]

Qantas are not insuring you if over 70 years.

I took up Covermore for my multi trip insurance the last 2 years BC because the did. but no more. Going to be a significant slug in the future.
Fortunately we decided early on that there will be no more USA trips because of the impending breakdown of their society. Besides we have probably had ~ 100 trips and been to all 50 states.most numerous times.

 

[The Guvnor]

Hi all,
Does anyone have a promo code for

• InsureandGo (Offer10 gets 10%)
• goinsurance

Thanks

 

[clifford]

because of the impending breakdown of their society.

I can relate to that. I've also visited all the states that I want to (not the flyover states).

However, I do feel that I would be quite happy to revisit Los Angeles and environs. Such a laid back place (if you're careful).

 

[Mattg]

Hi all,
Does anyone have a promo code for

• InsureandGo (Offer10 gets 10%)
• goinsurance

Thanks

For Insureandgo, OFFER10 gets you 10% off. I just went back and found that GROUPON20 is also available for 20% off - and now I'm kicking myself for not using that when I bought my policy the other day. (Wonder if I can cancel and purchase again?)

I don't know of any Go Insurance codes at the moment.

 

[MEL_Traveller]

For Insureandgo, OFFER10 gets you 10% off. I just went back and found that GROUPON20 is also available for 20% off - and now I'm kicking myself for not using that when I bought my policy the other day. (Wonder if I can cancel and purchase again?)

I don't know of any Go Insurance codes at the moment.

You should have a 14 day cooling off period. Insurers can deduct some $ for days already covered through. Check the PDS.

 

[woodyren]

Starting to look for insurance that covers our August to October trip. 70 days in total. The trip includes a number of cruises in Europe. Insureandgo cruise option is not available at present and multi trips have 60 day maximum.

Not in any hurry as pretty much everything is refundable so will need to wait to see what is available later as there is nothing I can find that covers us at present.

 

[Mattg]

You should have a 14 day cooling off period. Insurers can deduct some $ for days already covered through. Check the PDS.

There is a 14-day cooling off period. I guess the question is whether I can be bothered to cancel and rebook etc. to save around $85.