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If you’re quarantined overseas and miss your flight, please contact your travel agent or travel provider to see how they can help. Some travel providers may even waive rescheduling fees. If you require urgent help or you’re stuck overseas, please contact the Department of Foreign Affairs and Trade (DFAT) immediately.

If you purchased an Apia Travel Insurance policy before 31 January 2020 (6pm AEST), commenced your trip before DFAT’s level 4 advice on 18 March 2020 and have been directed to quarantine overseas, you may be able to claim additional travel and accommodation expenses.

If you’re claiming for the cost of a new flight, it must be the same fare class as your original trip (up to a maximum of $5,000 per single or $10,000 per family policy). In order to be eligible, you must have taken all reasonable steps to avoid quarantine. Conditions apply; read the Benefit 9 – Emergency Expenses’ section of the PDS for more information.

If you:

  • purchased a policy after 31 January 2020 (6pm AEST); or
  • travelled after DFAT’s level 4 advice on 18 March 2020,

your cover may be reduced and certain claims may not be covered. This is because the COVID-19 outbreak had been declared an international public health emergency and we consider this and DFAT’s level 4 advice as known events. The risks posed were not unforeseen circumstances.

We do not provide any cover for loss arising from the government’s prohibition on travelling.