Cover for COVID-19 - effective from 11 August 2021

Does Southern Cross Travel Insurance offer cover for COVID-19?

We offer limited cover for events relating to COVID-19, if you buy one of our Domestic or TravelCare travel insurance policies. 

In summary, there is cover for: 

  • Medical expenses if you are diagnosed with COVID-19 while on your journey (TravelCare only)
  • Costs to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 before you leave and your journey is cancelled or amended (TravelCare and Domestic)
  • Costs to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 after you leave and your journey is interrupted or cut short (TravelCare and Domestic)

It’s important to know that we don’t cover all COVID-19 related events. 


Do I get the COVID-19 benefits wherever I choose to travel?


If you buy our TravelCare policy, cover only applies when you are travelling to a destination with a Smartraveller travel advice level of ‘Exercise normal safety precautions’ (level 1) or ‘Exercise a high degree of caution’ (level 2). This is typically limited to countries with a quarantine-free travel arrangement with Australia. 


Is there cover if my travel is affected by a lockdown or a change in travel advisory by the government?

There is no cover under our TravelCare or Domestic policy for government restrictions, lockdowns, or any pause to quarantine-free travel. 


Where can I read more about the COVID cover that Southern Cross Travel Insurance offers?

Full details of how you are covered are included in the relevant the Supplementary Product Disclosure Statement (SPDS) for your policy. You can find the TravelCare SPDS here and the Domestic SPDS here

These documents provide information about how events related to COVID-19 are covered by your policy. While you can use them to help you decide if the policy is right for you, you’ll need to read the SPDS and your Product Disclosure Statement together to understand what else you are — and are not — covered for.