Travel Alert: Corvid-19 update for policies purchased before 1 January 2021

Travel Alert: Corvid-19 update for policies purchased before 1 January 2021

Published on 30 April 2020

GO SAFE UPDATE IN RELATION TO COVID-19 AS AT 1 MAY 2020:
On the 7th of January 2020, Chinese authorities confirmed that they had identified a new virus originating out of Wuhan in the Hubei Province. The new virus is a coronavirus which is a family of viruses that include the common cold and viruses such as SARS (Severe Acute Respiratory Syndrome) and MERS (Middle East Respiratory Syndrome).  The World Health Organisation has identified the Caronavirus a public health emergency.  
Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means.

Overseas Medical Expenses 
There is no cover for Overseas Medical Expenses claims related to the Caronavirus or any derivative or mutation of such viruses if you purchased your policy or travel bookings on or after the 18th of March 2020 as this is the date the Australian Government issued a nationwide advice not to travel. 

For Cancellation and other sections of the policy 
There is no cover for claims related to the Caronavirus or any derivative or mutation of such viruses (or arising directly or indirectly from these) as it relates to Pre-Trip Cancellation or Curtailment, Travel Delay and/or Hospital Cash.

If you decide to change your travel plans, we suggest you talk with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses.  

Claims Information 
In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred. 

No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 
 

GO SAFE UPDATE IN RELATION TO COVID-19 AS AT 18 MARCH 2020

Published on 18 March 2020

With the health, safety and wellbeing of students and staff in mind, the Australian State Schools have announced bans on international travel. These current travel bans are outlined below:

  • Queensland State Schools on 10 March 2020 (12h52 AEST) for all international travel except New Zealand
  • Queensland State Schools on 15 March 2020 for all international travel including New Zealand
  • New South Wales State Schools on 1 March 2020 for all international travel
  • Victoria State Schools on 10 March 2020 for all international travel except New Zealand and Canada
  • Victoria State Schools on 15 March 2020 for all international travel including New Zealand
  • Victoria State Schools on 17 March 2020 for all domestic excursions
  • Western Australia State Schools on 3 March 2020 for all international travel excluding United States of America, New Zealand and Canada
  • Western Australia State Schools on 9 March 2020 for all international travel including United States of America and Canada

Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice, issuing a Level 4 “Do Not Travel” warning. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means. 

How this impacts your cover:

Section 1 - Cancellation fees, lost deposits and curtailment in part provides as follows:

You are covered up to the amount shown in the Schedule of Cover in the event your trip is necessarily and unavoidably cancelled prior to departure or curtailed (cut short) before completion because of any of the following events first occurring during the period of insurance:

h. a Government regulation following an epidemic or natural disaster that stops you from travelling.

[Note: please see the current travel ban listing for the relevant effective dates, effective times and countries as announced by the State Schools and subsequent nationwide directive issued by the Australian Government on the 18th of March 2020.]

i. a Level 4 warning (“do not travel”) issued by the Australian government on the www.smartraveller.gov.au website advising against travel to or through a country which forms a major part of your itinerary or prevention of access by the Government of the country in question. Such advice against travel must be issued after you booked your trip or purchased your policy from us, whichever is the latter and still be in place 14 days prior to your scheduled travel to the country for this section to respond.

If you wish to cancel your travel plans, please contact your travel service provider, airlines, accommodation providers and tour companies, who may provide refunds, credit notes or alter your bookings without charging additional fees.

You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/provider in this regard. 

If you purchased your policy prior to the above-mentioned Australian State School travel bans or the above mentioned Level 4 Do Not Travel warnings being effected, and wish to delay or cancel a trip within 8 weeks of the commencement of the journey, we ask that you take the following steps:

1. You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/airline, accommodation providers and tour companies to reduce your out of pocket expenses. This includes investigating potential alternative travel arrangements.

2. After taking these steps we encourage our customers to submit a claim form along with any supporting documentation.

Important Note:

Where a policy has been purchased after the above-mentioned travel bans issued by the Australian State Schools or after a Level 4 “do not travel” warning has been issued by the Australian Government, including the nationwide directive not to travel issued on 18th of March 2020, cover will no longer be available as a result of:

h. a Government regulation following an epidemic or natural disaster that stops you from travelling.

i. a Level 4 warning (“do not travel”) issued by the Australian government on the www.smarttraveller.gov.au website advising against travel to or through a country which forms a major part of your itinerary or prevention of access by the Government of the country in question…

Section 2 - Overseas Medical Expenses 
If you are overseas and need medical assistance, please call World Travel Protection, our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au

If you purchase your policy on or after 18 March 2020 there is no cover for Overseas Medical Expenses due to the Coronavirus, or whenever travelling to a place listed as “Do Not Travel” by the Australian Government.

Claims Information
In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred.

General Note

No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording.

To lodge a claim

Please find attached a copy of your product disclosure statement to help you understand the cover and what you need to do. Please refer to page 11 of the PDS and the section ‘How to make a claim’.

Travel Insurers cannot advise whether a claim is valid or not until a completed claim form is submitted with all supporting documentation. To complete the online claim form, please click here.

Please note that any further questions regarding your claim should be directed to the claims managers ‘Gallagher Bassett’ via email at travel@gbtpa.com.au or you can call them on +61 7 3005 1613 during normal business hours (QLD time).

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21/10/2022

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Destination & Type of Cover Complete!

What type of cover are you looking for?

Single Trip: Please select this if you are planning a return or one way trip for a duration of up to 365 days in total.

School Group: Please select this if you are organising a school group study tour. 

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.

Travellers

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 80 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Ages

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 80 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 18-65 years

Students

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 18 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Adults 76 to 80 years

Children under 18 in a family

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