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01 Apr 2020

Reviewed 7 April 2021

We declared that the spread of the COVID-19 coronavirus became a known event in mainland China by 7am on 19 January 2020 (NZDT) and by 12am on 27 February 2020 (NZDT) for the rest of the world (including Hong Kong).

On 19 March 2020, the New Zealand Government advised all New Zealanders “Do Not Travel” overseas. Because your policy doesn’t provide any cover in the event of a government directive of this type, we stopped providing cover for COVID-19 on 19 March, 2020.

We recommend you carefully read your policy wording alongside the information below to understand more about what your policy covers.

You have limited cover for COVID-19 if you travel inside a travel bubble

If you travel inside a New Zealand Government approved travel bubble, you’ll have some cover for claims relating to COVID-19. To find out what you’re covered for, please read our Special COVID-19 Cover – Travel Bubble information sheet.

You’re not covered for COVID-19 if you travel outside of a travel bubble

If you travel outside of a New Zealand Government approved travel bubble, you won’t be covered for claims relating to COVID-19, regardless of when your policy was issued. This is because your policy doesn’t cover you if:

  • you travel against the New Zealand Government’s “Do Not Travel” advice

  • your travel is disrupted by “government directives”, which includes (but isn’t limited to) governments closing borders and imposing quarantines and isolation conditions.

If you haven’t yet departed and need to cancel your trip

If COVID-19 disrupts your plans and you need to cancel or postpone your trip, please contact your travel provider(s) in the first instance as many will help you rebook your travel to future dates or offer refunds.

If you’re due to depart within the next three months and you believe you have a valid claim under the terms and conditions of your policy, please get in touch.

If your planned departure date is more than three months away, please wait until closer to your departure date to contact us due to the uncertain nature of COVID-19.

Important policy terms and conditions

Your policy is designed to cover you for a range of unexpected situations, but there are some things your policy won’t cover you for. One important exclusion to be aware of is your policy doesn’t cover you for issues related to pandemics.

The COVID-19 pandemic is an evolving situation, so the information on this page is intended as a guide to help you understand how COVID-19 may affect your cover under your policy.

It isn’t possible to provide answers for every situation and the information on this page doesn’t replace or alter your policy terms, conditions and exclusions. All claim decisions are based on your policy wording, and Special COVID-19 Cover for travel within a New Zealand Government approved travel bubble. Please read your policy wording carefully and contact us if you have any questions.

Keep up-to-date

The situation is evolving so we remind travellers to monitor the SafeTravel website for advice about COVID-19. If you’re overseas and you need emergency assistance call First Assistance on +64 9 347 1115.