Zika Virus travel warning – 3 February 2016

Posted Date: 03 February 2016
Zika Virus policy info 2016

If you purchased your policy prior to Monday 1st February 2016 10am AEDT:

There is cover under Section 1 of the TravelCare policy for medical expenses incurred during your journey in relation to the Zika virus. We will reimburse you for actual and reasonable medical expenses incurred or we will confirm payment for a qualifying hospital claim.

Please refer to ‘Section 1 – Medical & Evacuation’ on page 12 of your policy wording.

There is no cover for ‘Cancellation or Changes to Your Journey’ as currently no travel advisory risk ratings of ‘Do Not Travel’ or ‘Reconsider your need to travel’ have been issued on the Smartraveller.gov.au (www.smartraveller.gov.au) website in relation to the Zika virus. We do not cover ‘Cancellation or Changes to Your Journey’ if you or a member of your travelling party is disinclined or reluctant to travel.

Please refer to ‘Losses We Do Not Cover Under Section 2’, point (a) on page 13, and ‘General Exclusions of this Policy Applying to All Sections’, point 27 on page 12 of your policy wording.

Please be advised that pregnancy is a General Exclusion under the TravelCare policy, unless it meets the ‘Controlled Condition’ definition, in which case cover is for medical complications only. ‘Controlled Condition’ refers to a pregnancy up to and including the 20th week, providing the pregnancy was without complication prior to your start date of insurance. 

Please refer to ‘General Exclusions of this Policy Applying to All Sections’, point 7 on page 11, and ‘Controlled Condition’ on page 8 of your policy wording.

Although we cannot cover claims for cancellation or changes to your journey relating to the Zika virus, should you wish to amend your travel plans we recommend contacting your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees.

If you purchased your policy on or after Monday 1st February 2016 10am AEDT:

There is no cover under your policy for any expenses you may incur as a result of the Zika virus, as this event is not considered to be unexpected from this date and time onward. You will be covered for other unexpected events according to the terms and conditions of your policy.

Emergency Assistance

If you have an emergency, please contact our Emergency Assistance Team as soon as possible on 

+61 2 8216 0200.

Further questions

Please contact us at info@scti.com.au. This advice should be read in conjunction with your PDS, including Policy Wording


Don’t forget to check www.smartraveller.gov.au for any government travel advice


TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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