Travel insurance with COVID-19 cover

Air New Zealand travel insurance includes medical expenses related to COVID-19

Buy a travel insurance policy that can cover you for COVID-19. With unlimited medical expenses and including on-trip additional expenses cover, you can travel with peace of mind.

All international single trip travel insurance policies receive the additional benefits listed below relating to specified COVID-19 related events.

There are further exclusive benefits when travelling to New Zealand or Norfolk Island.

It is important to note that COVID-19 cover in the policy does not apply in the event that any government calls for border closures.


  • Cancelling your trip if you have COVID-19
  • Emergency medical expenses
  • Repatriation to help you get back home
  • Cover if you're denied boarding with a positive test for COVID-19
  • Your travelling companion(s) or people you live with being diagnosed with COVID-19

When travelling to New Zealand:

  • Additional expenses if you are ordered to self-isolate in your holiday accommodation if you have COVID-19
  • The people you're staying with on holiday being diagnosed with COVID-19

Find out more below and when you're ready, get your quote today.

When you book your flights online, you can also add our one-step travel insurance on the Extras page.

If you change your mind about your holiday, you can also request a refund or credit of your travel insurance policies.

What's covered

Cancellation costs if you get COVID-19 or you're placed into quarantine due to contact with someone who has COVID-19 and you cannot travel.

Cancellation costs if your travel companion gets COVID-19 or is placed into quarantine and you no longer wish to travel.

Cancellation costs if a non-travelling relative or business partner gets COVID-19, and you need to amend or cancel your trip.

Amendment costs if you are denied boarding due to COVID-19.

Amendment or cancellation cover for essential healthcare workers e.g. doctors, nurses, pharmacists, paramedics or other health care professionals whose leave is revoked due to COVID-19.

New Zealand & Norfolk Island travel only: Cover for additional accommodation expenses of $150 per night if the person you were planning on staying with gets COVID-19 or they are placed into quarantine.

New Zealand & Norfolk Island travel only: Cover for cancellation or new accommodation expenses if your pre-paid accommodation is shut down for cleaning.

New Zealand & Norfolk Island travel only: Cancellation costs for your prepaid holiday activities if they are closed due to COVID-19.

What's not covered

Claims relating to government-issued travel bans; government directed border closures; or mandatory quarantine requirements related to cross area, border, region or territory travel.

Any destination that has a government travel advisory of "Do Not Travel" The cover for trips to New Zealand does not depend on the advice at There is COVID-19 cover only for travelling to New Zealand or Norfolk Island regardless of any government travel warnings.

Change in federal, state or territory border travel means you can't leave home or travel overseas.

All claims arising from your participation in any cruise related travel is not covered.

Your disinclination to travel due to COVID-19.

Note: This is a summary of key benefits. Read the relevant policy wording for full benefits, exclusions and terms and conditions.

Coverage for travel to other countries is activated when the Australian Government (via removes the 'Do Not Travel' restriction related to COVID-19 from your destination

Included with:

COVID-19 benefits are not included in Domestic Cancellation, Annual Multi-trip or Inbound insurance policies.


Policyholder must be an Australian citizen or resident.

Travel must originate in Australia.


Before you travel, you'll need to know:

  • check that the Australian Government ( say it's safe to travel to your destination. It's important you check your destination is safe to visit regularly as advice can change. The cover for trips to New Zealand or Norfolk Island does not depend on the advice at
  • check your destination's local government advice, safety guidelines and entry requirements.

Note: If the travel advice changes while you're on holiday, you will be covered if your destination was listed as safe when you commenced travel.

Putting your insurance policy into credit

Air New Zealand customers with travel insurance bought online in conjunction with a flight booking can contact Cover-More Travel Insurance to cancel their policies and convert the value of that insurance policy to a credit voucher that can be redeemed against future travel insurance policies.

Information is available in Air New Zealand's COVID-19 Hub.

Please contact Cover-More Travel Insurance on 1300 728 016 or email for any COVID-19 travel insurance queries.

COVID-19 Frequently Asked Questions

What countries does my travel insurance provide cover for?

If I fall ill with COVID-19, and require medical treatment overseas, are Medical expenses covered?

If I fall ill overseas with Covid-19 and need to be repatriated home, am I covered?

While on my trip, if I have to go into quarantine, are the quarantine expenses covered?

If I am diagnosed with COVID-19 or was in close contact with someone diagnosed with COVID-19 and can't go on my trip because I am required to enter into quarantine, can I claim my cancellation costs?

A qualified medical practitioner or a Government Agency has instructed me to self-isolate. Can I make a claim under my policy?

I've decided I need to self-isolate due to possible contact with COVID-19 (not close contact) and no longer wish to travel. Can I claim for a trip refund under my policy?

If my accommodation or travel plans at my destination are disrupted due to COVID-19, am I covered?

What if a close relative has COVID-19 which has been deemed as life threatening and I need to cut my trip short?

The family member I'm due to stay with must self-isolate due to COVID - 19 and I now have nowhere to stay and wish to cancel my trip. Will I be able to claim costs?

The person I'm staying with catches COVID-19 and I need to isolate or quarantine for 14 days. Will I be able to claim costs?

The person I'm staying with catches COVID-19 and I need to isolate or quarantine for 14 days. Will I be able to claim costs?

I was denied boarding due to a positive COVID-19 test at the airport. Am I covered?

I was denied boarding due to failing a temperature check at the airport. Am I covered?

A relative has passed away from COVID-19 and my trip is now disrupted or cancelled. Will I be able to claim costs?

If the show or concert I'm attending is cancelled due to COVID-19 will I be covered?

There are no government restrictions in place to travel to my destination, but I'm required to quarantine on return from my trip. I no longer wish to travel and want to cancel my holiday. Am I covered?

While on my trip, I'm denied entry to a country due to government restrictions imposed in the arriving county on travellers from countries I have visited en route or from which I have departed. Am I covered for the costs to change my trip?

I am an essential Health Care worker and my leave is cancelled due to COVID-19. I need to cancel my trip. Am I covered?

My flight has been cancelled or re-scheduled due to COVID-19, and I cannot catch a connecting flight and will not arrive on the tour or event on time. Am I covered for additional expenses?

If I purchase my trip and insurance policy to a country that is deemed safe to travel by the government at the time, but before I depart the government issues a "Do Not Travel" warning related to COVID-19, can I claim cancellation expenses?

There were no government travel restrictions in place when I booked my holiday and purchased my policy. A new outbreak of COVID-19 has led to government restrictions that now prevent me from travelling to the intended destination(s). Am I covered?

My flight has been cancelled or re-scheduled due to COVID-19. Can I claim for a refund?

My holiday has been cancelled due to a pandemic and my holiday provider is only offering a voucher rather than a refund. Can I claim a refund under my travel insurance policy?

My travel provider goes into administration due to the pandemic. Can I claim for refunds under my travel insurance policy?

I have an existing travel insurance policy. Am I automatically covered for COVID-19?

How do I make a claim?