Our number one priority during this crisis is travellers who are overseas and in a medical emergency. Regardless of the general exclusion in our policy for pandemics and epidemics, we still encourage all travellers in an emergency medical situation to contact our Emergency Assistance team. They can provide guidance as to the next steps you can take.
Our 24/7 Emergency Assistance Team are receiving a high number of enquiries from people who are not in an emergency medical situation. If you are in an actual emergency and experience a delay when calling our Emergency Team, please do not panic. Stay on the line if you can, or send an email. If you have sent an email, it will get seen, and our team will contact you as soon as they can.
We will all get through this situation by working together and prioritising people who are sick, injured and vulnerable. Please do not contact our Emergency Assistance Team unless you or someone on your policy is overseas and in a medical emergency.extend your policy yourself online. People who have pre-existing conditions may be blocked by the system from extending their policy. Please email our customer service team on [email protected]. While we should normally not allow extensions after a policy has expired, we will honour extensions if you email us before your policy has expired. The extra days on your policy will likely incur a fee. To reduce emails back and forth, please let us know in that email whether there is a dollar amount you give approval for us to charge to your card (e.g. I approve up to $49 to be charged from my card).
The COVID-19 Coronavirus is a respiratory illness caused by a novel, or new strain of coronavirus previously not identified in human beings. Symptoms range from a mild cough to severe pneumonia. Some people recover easily, while others get very sick very quickly and may become critically ill. It appears to be less severe in children and healthy people, and more severe in older people, people who smoke, and people who are immunocompromised. There is clear evidence that the virus spreads from person to person. The illness originated in China, but there are now occurrences of the novel coronavirus in over 100 countries.
If you want to change your travel plans, we highly recommend contacting your travel providers, such as airlines, tour and accommodation companies, to check what options you have. Many providers are offering refunds, rescheduling or credit notes due to the Coronavirus. Each provider has different policies, and it may depend on when you're travelling and where you're travelling to. Visit here to learn more about amending your travel plans. You can also amend your travel insurance policy dates and destinations, up to 12 months from the date of issue, and you can extend your policy yourself online. People who have pre-existing conditions may be blocked by the system from extending their policy. Please email our customer service team on [email protected]. Please be advised that there is a very high volume of travellers contacting us, but we will get back to you as soon as you can.
There may be delays or cancellations from travel providers, such as airlines, tour operators and accommodation companies. Additionally, some countries are locking down domestic or international travel, cancelling mass gatherings or closing public facilities such as museums and cinemas. Many customers who are travelling soon may be worried about the possibility of contracting the virus while they are overseas. Other people are considering cancelling or changing their existing travel plans because of fears of disruptions, such as closures of national borders and travel bans. A national 'Do Not Travel' warning was issued by Australia's DFAT on 18/3/2020 with no specified end date.
Yes, all Zoom policies have a general exclusion for the threat of, likely, or actual epidemics and pandemics. This means that regardless of when you purchased your policy, you are unlikely to be covered under the policy for any claim relating to the Coronavirus. This includes (but is not limited to) situations where you decide or need to cancel your plans due to the Coronavirus, if you are quarantined or suffer travel delays due to the Coronavirus. This applies to all countries you travel to or are planning to travel to, even those which do not currently have a DFAT or MFAT travel warning advisory issued.
We understand that this is a difficult and stressful time for our customers, and the general exclusion may be disappointing. It is extremely difficult for our team to assess and predict the scope and severity of wide-reaching catastrophic global events like pandemics, epidemics, or the outbreak of war. We continue to assess all claims on a case-by-case basis, even with the general exclusion in place.
If you suffer a loss, you are still entitled to lodge a claim through our online claims system. Every claim is assessed individually on a case-by-case basis by our Claims Team, and will consider the policy wording and personal circumstances. During the claims process, you can ask your Claim Manager questions regarding your claim if you are unsure of what documents you need. If, after your claim has been assessed, you are unhappy with the outcome, you can make a complaint, and will reconsider your claim in accordance with our Complaints Policy.
Many major airlines have suspended or significantly reduced flights to a number of countries, including mainland China, South Korea, and Italy. Your Zoom policy is unlikely to cover claims for any costs related to the Coronavirus. However, many airlines and travel providers are providing refunds, free or low-cost rescheduling or credit notes. Visit here for more on recouping costs from travel providers.
If you think you may have the coronavirus, please contact our emergency assistance provider, First Assistance. They can provide guidance as to the next steps you can take. Will consider these claims on a case-by-case basis on the policy wording and your individual circumstances.
If you are quarantined because of the Coronavirus in Australia/New Zealand and need to cancel your trip or make alternative travel arrangements, we are unlikely to be able to cover your costs due to the exclusion regarding pandemics and epidemics. You are however still entitled to lodge a claim, as all claims are assessed on a case-by-case basis.
While you are in Australia, we are unable to cover any domestic medical expenses, as travel insurers are prevented from doing so by Australian legislation. If you are an Australian permanent resident or citizen, you will likely have access to Medicare or your private health insurance.
Australia has agreements with 11 countries that covers the cost of medically necessary care when Australians visit certain countries and visitors from these countries visit Australia. The list of countries includes Italy, New Zealand, the UK and the Netherlands.
Reciprocal health care agreements can cover or subsidise some emergency medical costs. This is usually for urgent treatment that can't wait until you get home.
Some reciprocal health care agreements can cover other costs. This can include local medical transport, medication and specialist services.
Unfortunately, a reciprocal health care agreement is not a substitute for insurance, and it’s likely you’ll still have some out of pocket expenses. Our policy does not cover medical care that is covered under a reciprocal health care agreement.
If the countries you are travelling to close their borders because of the Coronavirus, you will not be covered for the cancellation or additional costs of your holiday. This is because we have a general exclusion for claims related to pandemics and epidemics in our policy.
The epidemic exclusion in our policy for pandemics and epidemics applies to all sections of the policy, regardless of when a policy was purchased or where you are travelling to. There is no reference in the exclusion to when the policy was purchased.
The policy exclusion regarding epidemics and pandemics means that no matter when you purchased your policy, you are unlikely to be covered for cancelling your trip to any destination. This applies to all countries, even those that Department of Foreign Affairs (DFAT) has not raised a travel-warning about.
If you don’t want your Zoom policy anymore, you can cancel your travel insurance and receive a refund provided that your policy hasn't started and you are within the cooling-off period. This is typically 14 days, or the number of days between your policy issue date and the start date of your policy if you purchased less than 14 days before travel. If you wish to cancel your trip more than 14 days after purchase, you can also amend your travel insurance policy dates and destinations, up to 12 months from the date of issue. Many customers can extend your policy yourself online, however people who have pre-existing conditions may be blocked by the system from extending their policy. Please email our customer service team on [email protected]. Please be advised that there is a very high volume of travellers contacting us, but we will get back to you as soon as you can.
|Air New Zealand||1800 00 55 63||0800 737 000||Manage booking|
|Asiana||+61 2 9260 4300||+64 9 905 6708||Manage booking|
|British Airways||+61 1300 767 177||09 966 9777||Manage booking|
|Cathay Pacific||131 747||0800 441 289||Manage booking|
|China Airlines||1300 668 052||+64 9 256 8088||Manage booking|
|Emirates||+61 1300 303 777||+64 50 836 4728||Manage booking|
|Etihad||+61 1300 532 215||+61 1300 532 215||Manage booking|
|Hong Kong Airlines||852-3916-3666||0800 040 514||[email protected] [email protected]|
|Japan Airways||1800-531-870||0800-441-090||Manage booking online|
|Jetstar||13 15 38||+64 9975 9426
0800 800 995
|KLM||1300 392 192||+64 9 921 6040||Refund form
|Lufthansa||+61 1300 655 727||+64 800 945220*||Manage booking|
|Malaysia||132627 (within Australia)
+6 03 7843 3000 (Outside Australia)
|0800 777 747||Manage booking|
|Qantas||13 13 13||0800 808 767 (within NZ)
+64 9 3578900 (outside NZ)
|Qatar||1300 340 600 option 1
|+64 9 913-5279||Contact us|
|Scoot||+61 2 9009 0860||Manage booking|
|Singapore||13 10 11||+64 9 379 3209||Manage booking|
|Thai||1300 651 960 (within Australia)
|+64 9 377-3886
or [email protected]
|Virgin Atlantic||+44 (0)344 874 7747||+44 (0)344 874 7747||Manage booking|
|Virgin Australia||13 67 89||0800 67 0000||Manage booking