Coronavirus (COVID-19) Pandemic – 25 November 2020
We continue to closely monitor the COVID-19 pandemic and its impact on travel both locally and globally. If you are buying a new policy today, cover restrictions will apply for events related to COVID-19.
Please also be aware that the Australian Government (including state governments) has placed restrictions on Australian citizens, residents and other persons travelling within, to and from Australia due to COVID-19.
Further information on this can be found at the following web links:
If you purchased a Leisure Travel Insurance policy prior to 06 April 2020 please refer to previous alerts published on this page aig.com.au/travelalerts
If you are purchasing a new Domestic Travel Insurance policy on or after 25 November 2020, the following is a summary of what is covered and not covered for COVID-19.
Due to the widespread media reports on COVID-19, and the World Health Organization (WHO) announcement declaring COVID-19 a pandemic, COVID-19 is a foreseen or known event. Therefore, subject to the paragraph below, any losses for trip cancellation, trip delay and/or additional expenses caused by or due to COVID-19 are not considered unexpected, unknown and/or unforeseeable, and will not be covered under the terms and conditions of all Leisure Travel Insurance policies underwritten by AIG Australia Limited.
However, if you are diagnosed with COVID-19 after the purchase of an individual Leisure Travel Insurance policy and such diagnosis is made prior to departure, you will be covered for trip cancellation, provided you have a valid, confirmed and documented diagnosis at the time of departure. If you are diagnosed with COVID-19 while on a covered trip, you will be covered for additional expenses, provided you have a valid, confirmed and documented diagnosis and provided your trip was not in conflict with any state, territory, federal government or health authority travel advisory, restrictions or warnings. However, such coverage is always subject to you meeting all other terms and conditions of your policy.
Please ensure you read the Combined Product Disclosure Statement and Policy Wording for a full description of the coverage:
Travel Insurance provides a range of benefits to ensure that if things do go wrong you are protected - from the simple replacement of lost luggage items to trip cancellation expenses or the potentially huge cost of overseas medical treatment. Click here to access the Financial Ombudsman Guide to Travel Insurance.
Check with your doctor prior to departure about vaccinations.
Tickets, Reservations and Itinerary
Take photocopies of all important travel documents and reservation confirmations and leave them with a family member or friend.
Keep a list of all prescription drugs required whilst travelling and check with your doctor prior to departure. Before leaving home, you should check that your medications are legal in the country you are visiting. You can do this by contacting the country's embassy or high commission.
Medicare benefits are not available for treatment received overseas but Australia has reciprocal health care agreements with a number of countries. These agreements do not replace the need for medical insurance for travel overseas. Details are available at the Medicare page of the Health Insurance Commission site. Medicare benefits are not available for treatment received overseas, however, the Australian Government has signed Reciprocal Health Care Agreements which means that as an Australian resident your are entitled to assistance with the cost of medical treatment in: New Zealand , The United Kingdom , The Republic of Ireland , Sweden , The Netherlands , Finland , Italy , Malta and Norway. Australia's Reciprocal Health Care Agreements with these countries cover any medically necessary treatment you require which may arise while in that country.
The Travel Doctor
The Travel Doctor TMVC website provides vaccination advice, travel health advice, clinic details and current health alerts for overseas travel. Phone 1300 658 844 for your nearest clinic.
Take a list of any emergency numbers that you may require including Travel Guard® Medical Emergency phone number.
+60 3 2772 5592
Credit Cards / ATM Cards
Check your card limits (including any daily limits) with your financial institution. Check with your bank for information on international ATM fees.
Travellers Cheques and Local Currency
Ensure you have some local currency on you when you arrive and depart from your destination in case any local arrival or departure taxes are payable.
3. Passports & Visas
Check that your passport is valid for at least 6 months beyond the period for which you are travelling. Take a photocopy and leave it with a family member or friend. Make copies of your passport details, insurance policy, travellers cheques, visas and credit card numbers. Carry one copy in a separate place to the originals and leave a copy with someone at home. Carry additional copies of your passport photo with you in case you need a replacement passport while overseas.
Check to see if a visa is required for any of your destinations.
Insurance products and services are provided by AIG Australia Limited. ABN 93 004 727 753. AFSL 381686, trading in Australia as AIG. The AIG logo is a registered trademark.
Any information on this website is general advice and has been prepared without taking into account your objectives, financial situation or needs; you need to consider the appropriateness of the advice in relation to your own needs. You should read and consider the Product Disclosure Statement (PDS) and Policy Wording in light of your personal circumstances, prior to making any decision to acquire the product.