TRAVEL INSURANCE

What is a pre-existing medical condition? What do I need to disclose?

A pre-existing medical condition, is anything which at the time of purchasing your policy is…  Chronic, Displaying symptoms, Under investigation, Pending follow up consultation, treatment or surgery (or where these are recommended or planned), Metastatic, Terminal OR in the six months prior to the time you buy the policy there has been – Treatment by a medical practitioner, Medication prescribed or Surgery. 

Many policies cover you for over 40 medical conditions automatically. But it’s important to tell your travel consultant all things that could be pre-existing, so that we can ensure you are adequately covered. 

Will my policy cover COVID-19?

Every insurance policy will be different. When you purchase your policy with Jayes Travel, the following COVID-19 will apply. 

If you contract COVID-19 while travelling, you will be covered for:

• The reasonable cost of medical treatment for your COVID-19 infection. This includes hospital charges, ambulance transfers, physician fees and medication for you to be treated overseas. In addition to this, there is also cover for the cost of repatriation back home or evacuation if medically necessary.
• The reasonable cost of additional accommodation if you are ordered into quarantine or medically unable to travel because you have contracted COVID-19.
• The reasonable cost of additional accommodation if you are denied boarding of public transport due to the detection of possible COVID-19 symptoms.

You will be covered for the irrecoverable value of cancelled travel bookings if:

• Your trip is cancelled because you or your travelling companion contract COVID-19 in Australia and can’t travel.
• Your trip is cancelled because you or your travelling companion are ordered by the Australian government into mandatory quarantine or self-isolation because contact tracing indicates you may have been exposed to COVID-19.
• Your trip is cancelled because your relative or business partner tests positive to COVID-19 and the level of infection is life threatening.

After you’ve left home, you will be covered for additional travelling expenses and a prorata refund of forfeited bookings if:

• Your trip is disrupted because you or your travelling companion are ordered into mandatory quarantine by the government of a foreign country because you have contracted COVID-19.
• Your trip is disrupted because you or your travelling companion are ordered into mandatory quarantine by the government of a foreign country because contact tracing indicates you may have been exposed to COVID-19.
• You or your travelling companion are denied boarding of public transport due to the detection of possible COVID-19 symptoms.

But certain circumstances aren’t covered and it’s important to be aware of these.

• You won’t be covered for hard border closures. So, if a government decides to shut its borders to all travellers, this is not covered.
• You won’t be covered for cancellation losses if you decide not to travel because you are worried about being exposed to COVID-19.
• You won’t be covered for COVID-19 related claims where you can’t provide proof of infection or evidence that you were denied boarding or ordered into mandatory quarantine / self-isolation.
• You must observe government and health authority advice relating to preventive and precautionary measures including vaccination, hygiene and social distancing guidelines. If you don’t, we might not pay your claim.
• You won’t be covered for any costs you would have incurred anyway. So, if you would have incurred quarantine costs regardless of having or being exposed to COVID-19, these costs will not be covered. An example here would be you decided to travel to a country where there was mandatory quarantine, no matter your health status. If you knowingly did this, you aren’t covered for the cost of quarantine. 

Need a quote for your upcoming travels?