Which journey insurance coverage insurance policies cowl COVID-19-related modifications to journey, particularly should you take a look at optimistic simply earlier than your journey? We’re getting requested that query each day. So, right here’s an up to date checklist of bank cards that embody COVID-19 and pandemic-related protection in its insurance coverage insurance policies.
January 2024 Replace: Bank cards with included COVID-19 cowl
These banks have launched updates to incorporate restricted cowl for pandemics and epidemics. Click on to see the small print of canopy for every model:
Till early this yr, no bank card journey insurance coverage lined occasions attributable to COVID-19, that means you needed to cross your fingers and hope borders stayed open and also you stayed effectively.
Now, most main bank card suppliers have jumped on the COVID-19 bandwagon, which is nice to see because it offers somewhat extra peace of thoughts round travelling. We’ve put collectively a rundown of every bank card and its coronavirus coverage, however at all times test the cardboard’s PDS since it may well change rapidly.
Curiously, some suppliers like ANZ and St. George have modified their phrases to incorporate all pandemic/epidemic disruptions to any extent further. Let’s hope we don’t want that anytime quickly.
Bear in mind, phrases, situations and exclusions apply to journey insurance coverage. Examine the PDS for extra data.
American Specific
Amex has included a clause in its bank card journey insurance coverage PDS that gives restricted cowl associated to COVID-19:
Home return journeys:
- you’ll be able to change, curtail or cancel your return journey should you, your journey buddy or the individual you had been visiting take a look at optimistic for coronavirus.
- You aren’t lined if it is advisable cancel or reschedule as a result of borders closed or journey advisory warnings are put in place.
- Should you grow to be unwell with coronavirus whereas travelling, you’ll be able to declare underneath Medical Emergency Bills cowl (not legitimate whereas a ‘don’t journey’ warning is in place)
Worldwide return journeys:
- you’ll be able to change, curtail or cancel your return journey should you, your journey buddy or the individual you had been visiting take a look at optimistic for coronavirus.
- You can be lined if borders shut or a journey advisory warning is issued for the nation you’re visiting.
- You received’t be lined if Australia points a ‘don’t journey’ warning.
- You received’t be lined if the borders at your vacation spot are already closed.
- Should you grow to be unwell with coronavirus whereas travelling, you’ll be able to declare underneath Medical Emergency Bills cowl (not legitimate whereas a ‘don’t journey’ warning is in place)
Amex bank cards with complimentary journey insurance coverage together with COVID-19 cowl:
ANZ
ANZ bank cards with complimentary journey insurance coverage now embody protection for pandemic and epidemic disruptions and diseases, together with COVID-19.
Claims associated to pandemics/epidemics:
- should you or any dependents lined by the journey insurance coverage take a look at optimistic to COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Cancellation, Extra Bills, Evacuation & Repatriation, and Abroad Emergency Help cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- There is no such thing as a point out of protection should you’re prevented from travelling by border closures or journey warnings.
- You aren’t lined should you journey to a vacation spot with a journey recommendation warning by the Australian authorities.
ANZ bank cards with complimentary journey insurance coverage together with COVID-19 cowl:
NAB
NAB has up to date its complimentary journey insurance coverage to incorporate some protection for COVID-19, efficient as of June 30, 2022.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic to COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
- NAB’s journey insurance coverage coverage particularly states there aren’t any different pandemic or epidemic-related circumstances lined, which possible contains border closures or different journey restrictions.
NAB bank cards with complimentary journey insurance coverage together with COVID-19 cowl:
Latitude 28° World Platinum Mastercard
Latitude 28° had a limited-time journey insurance coverage supply that included COVID-19 cowl for its World Platinum card. The supply ended 31 July 2022, and we’ve stored the data right here for purchasers.
Claims associated to COVID-19:
- Cowl applies to you and your ‘household’, which incorporates you, your partner and as much as 3 eligible youngsters
- You may declare as much as $700,000 per individual in medical prices should you want therapy for COVID-19 throughout an abroad lined journey
- Chances are you’ll be lined for journey and lodging deposits should you contract COVID-19 on a lined journey and a health care provider certifies you’re unfit to journey
- If it’s a must to quarantine simply earlier than departure since you’ve examined optimistic to COVID-19, you might be lined for administrative prices (however not another further prices associated to your quarantine)
- You’re not lined for any further prices reminiscent of lodging or flights due to borders closures or journey disruptions
Bendigo Financial institution
Bendigo Financial institution bank cards with complimentary journey insurance coverage now embody protection for pandemic and epidemic disruptions and diseases in its PDS, together with COVID-19.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic to COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Cancellation, Extra Bills, Evacuation & Repatriation, and Abroad Emergency Help cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Emergency Medical cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- There is no such thing as a point out of protection should you’re prevented from travelling by border closures or journey warnings.
- You aren’t lined should you journey to a vacation spot with a journey recommendation warning by the Australian authorities, even when you have an exemption or permission from the Australian authorities to journey
Bendigo Financial institution bank cards with complimentary journey insurance coverage together with pandemic cowl:
St. George
St. George has up to date its complimentary journey insurance coverage to incorporate some protection for COVID-19, efficient as of June 30, 2022.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic for COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- Should you or your companion grow to be so sick with COVID-19 that may’t proceed travelling, you might be reimbursed for added lodging and journey bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
St. George bank cards with complimentary journey insurance coverage together with pandemic and epidemic cowl:
Westpac
Westpac has up to date its complimentary journey insurance coverage to incorporate some protection for present and future pandemics and epidemics, together with COVID-19, efficient as of June 30, 2022.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic for COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- Should you or your companion grow to be so sick with COVID-19 that may’t proceed travelling, you might be reimbursed for added lodging and journey bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
Westpac bank cards with complimentary journey insurance coverage together with pandemic and epidemic cowl:
Financial institution of Melbourne
Financial institution of Melbourne has up to date its complimentary journey insurance coverage to incorporate some protection for present and future pandemics and epidemics, together with COVID-19, efficient as of June 30, 2022.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic for COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl could also be accessible underneath Cancellation and Extra Bills.
- Should you or your companion grow to be so sick with COVID-19 which you could’t proceed travelling, you might be reimbursed for added lodging and journey bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
Financial institution of Melbourne bank cards with complimentary journey insurance coverage together with pandemic and epidemic cowl:
BankSA
BankSA has up to date its complimentary journey insurance coverage to embody some protection for present and future pandemics and epidemics, together with COVID-19, efficient as of June 30, 2022.
Claims associated to pandemics/epidemics:
- Should you or any dependents lined by the journey insurance coverage take a look at optimistic for COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- Should you grow to be ailing with COVID-19, you might be able to declare Abroad Medical Emergency cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl could also be accessible underneath Cancellation and Extra Bills.
- Should you or your companion grow to be so sick with COVID-19 which you could’t proceed travelling, you might be reimbursed for added lodging and journey bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
BankSA bank cards with complimentary journey insurance coverage together with pandemic and epidemic cowl:
Bankwest
Bankwest has now up to date its bank card journey insurance coverage PDS to offer restricted cowl associated to COVID-19. Take notice, this cowl solely contains restricted medical cowl:
Claims associated to pandemic/epidemic cowl:
- Should you take a look at optimistic for Covid-19 you might be able to entry Abroad Medical Emergency and Hospital Bills cowl.
- You aren’t lined should you don’t take acceptable motion to keep away from international locations with a ‘don’t journey’ warning suggested by the Australian authorities or mass media.
- You’ll not be lined for flight cancellations, lodging or another journey bills.
- You’ll not be lined for something Covid-related on a cruise.
Bankwest bank cards with complimentary journey insurance coverage together with COVID-19 cowl:
HSBC
HSBC has included a clause in its bank card journey insurance coverage PDS that gives restricted cowl associated to COVID-19:
Claims associated to pandemics/epidemics:
- Should you take a look at optimistic for COVID-19, or any sickness recognised as a pandemic/epidemic, you might be able to declare the Abroad Emergency Help, Abroad Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Extra Bills cowl.
- In case your journey buddy turns into ailing with COVID-19, cowl is offered underneath Cancellation and Extra Bills.
- You aren’t lined should you don’t observe recommendation or warnings when travelling to a vacation spot; for instance, a ‘Rethink your must journey’ or ‘Don’t journey’ alert from the Australian authorities, or printed by a dependable media supply.
- You aren’t lined if borders shut throughout your journey.
HSBC bank cards with complimentary journey insurance coverage together with COVID-19 cowl:
CommBank
CommBank has included a clause in its bank card journey insurance coverage PDS that gives restricted cowl associated to COVID-19:
Claims associated to pandemics/epidemics:
- Should you take a look at optimistic for Covid-19 you might be able to entry Abroad Medical Emergency and Hospital Bills cowl.
- You aren’t lined should you don’t take acceptable motion to keep away from international locations with a ‘don’t journey’ warning suggested by the Good Traveller web site (excluding Australia and New Zealand).
- You’ll not be lined for flight cancellations, lodging or another journey bills.
- You’ll not be lined for something Covid-related on a cruise.
BOQ
BOQ has up to date its bank card journey insurance coverage PDS to cowl COVID-19 in a restricted capability:
Claims associated to COVID-19:
- Chances are you’ll be lined for prices incurred from having to cancel, curtail or change your journey since you or your journey buddy contract COVID-19.
- Chances are you’ll be lined for abroad medical emergency bills in your abroad return journey and transportation of stays should you die from COVID-19 whereas travelling (it have to be confirmed and identified in your journey).
- Moreover Journey Cancellation and Modification Cowl and Abroad Medical Emergency Bills cowl, you received’t be lined for the rest attributable to COVID-19 or any of its variants.
Qantas Cash
Qantas was one of many final to return to the Covid get together. Its up to date journey insurance coverage coverage now has restricted COVID-19 protection:
Claims associated to COVID-19:
- Chances are you’ll be lined for prices incurred from having to cancel, curtail or change your journey since you or your journey buddy contract COVID-19.
- Chances are you’ll be lined for abroad medical emergency bills in your abroad return journey and transportation of stays should you die from COVID-19 whereas travelling (it have to be confirmed or identified in your journey).
- Moreover Journey Cancellation and Modification Cowl and Abroad Medical Emergency Bills cowl, you received’t be lined for the rest attributable to COVID-19 or any of its variants.
Different bank cards with complimentary journey insurance coverage
Nearly all banks and insurance coverage firms have up to date their insurance coverage phrases to incorporate COVID-19 since 2020. You will discover and examine bank cards with free journey insurance coverage right here, however at all times test the phrases and situations to see what you’re lined for.
Ideas for utilizing complimentary journey insurance coverage
First, at all times learn the PDS fastidiously. I do know, it’s like a damaged report, however insurances include quite a lot of ‘however’s and ‘provided that’s that might depart you excessive and dry – and out of pocket – if issues go awry. Clauses concerning COVID-19 are nonetheless new, so be sure to perceive what you’re lined for.
Second, be sure to activate your bank card’s journey insurance coverage. You’ll normally be capable to test that it’s energetic by way of the cardboard’s web site or by calling customer support.
💡 TIP: Lodging, airways and tour operators might have their very own COVID-19 insurance policies which can be price checking earlier than you ebook, too.
