Novel Coronavirus China - January 2020

 
 
 
 
 
 
 
 
 
 
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Issued on 30th January 2020

It has been widely reported in the media that there is an active outbreak of a novel coronavirus emanating from Wuhan City, Hubei Province in China.  There have since been confirmed cases in other areas within China and in several other countries.  The outbreak constitutes an epidemic event under our travel insurance policies.


TheDepartment of Foreign Affairs and Trade (DFAT) formally issued a travel warning relating to this event on 23rd January at 9:30am AEDT.

As at the date of this update, DFAT has issued an advice warning of ‘do not travel’ to Hubei Province and ‘reconsider your need to travel’ to all other destinations in China.

If you are in China and need emergency assistance call us on +64 9 890 9726 or e-mail [email protected]


Policy Coverage

The below information applies to your Holiday Rescue Travel Insurance, underwritten by Hollard.


If your policy was purchased before 12:01AM on the 24 January 2020

If you already departed:

  • If you commenced your trip before 12:01 AM on the 24 January 2020 and your transport has been delayed/cancelled we will consider your claim for reasonable additional expenses for travel, accommodation or meals. All policy limits, conditions and exclusions will apply to any claim lodged.
  • If you commenced your trip before 12:01 AM on the 24 January 2020 and you are hospitalised as a result of the threat or diagnosis of the novel coronavirus we will consider your claim for medical expenses incurred. Please ensure you contact our emergency assistance department on +61 2 8004 6090 to seek advice. All policy limits, conditions and exclusions will apply to any claim lodged.

If you have not yet departed:

  • If at the time of your scheduled departure the DFAT travel advice for your destination is at a level of ‘reconsider your need to travel’ or ‘do not travel’, we will consider your claim for delay, cancellation or amendment costs. All policy limits, conditions and exclusions will apply to any claim lodged. We recommend you contact your travel agent or travel provider regarding the best option for altering your trip. Some travel providers may provide penalty free options to amend travel arrangements and we recommend you contact them for further details.
  • If you have not commenced your trip and you travel to a country where DFAT has raised the travel advice to ‘reconsider your need to travel’ or ‘do not travel’, and you are subsequently hospitalised as a result of the threat or diagnosis of Coronavirus, there will be no coverage for any medical expenses incurred.
  • If you are planning on travelling to areas where the warning is below “reconsider your need to travel” but you have changed your mind or are nervous about travelling, there is no provision to claim under your policy.
  • We encourage you to regularly review the travel advices for your areas of travel, as these will be updated at https://www.smartraveller.gov.au.

For policies issued after 12:01 AM on the 24 January 2020

  • Our policy does not provide cover for an actual or likely Epidemic or Pandemic. If you purchased your policy after 12:01 AM on the 24 January 2020, we would expect this was done with knowledge of the current event and therefore there would be no coverage for any claim which was a result of this event.
  • There is provision for cover for other claims that are not related to this event subject to the policy terms and conditions, limits, benefit exclusions and general exclusions.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your circumstances.