Epidemic and Pandemic diseases FAQs

Effective 1 December 2020

It’s important that you have all the information you need when purchasing travel insurance. These FAQs will help you understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19.  The FAQ’s relate to both Leisure Travel Insurance and Business Travel Insurance and apply to anyone covered under your policy.

If you would like further clarification on this, please get in touch with us on 0800 630 115 or refer to the Policy Wordings for full terms, conditions, limits, sub-limits and exclusions that apply.

What will be covered when it comes to epidemic and pandemic diseases such as Covid-19? 

AA Travel insurance policies provide cover for cancellation and medical expenses if you contract an epidemic or pandemic disease such as Covid-19 after purchasing your policy. If you contract an epidemic or pandemic disease after purchasing your policy and can no longer travel, you will be able to make a claim for the cost of flights and hotel accommodation. The policies also provide cover for medical claims directly related to an epidemic or pandemic disease which will apply after you commence your journey if you contract that disease. 

Does the cover include trip cancellation?

AA Travel insurance policies provide cover for your trip cancellation only if:

  • you or your Travelling Companion are diagnosed with an Epidemic or Pandemic disease and cannot commence or complete your travel; or
  • you or your Travelling Companion are specifically ordered by name into mandatory quarantine or isolation by the New Zealand Government or any government or local authority, based on their suspicion that either you or your Travelling Companion have been exposed to an Epidemic or Pandemic disease. 

It does not cover general travel disruption, including government mandated lockdowns, as a result of Covid-19. There is no cover for claims arising from any lockdowns or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area or that applies based on where you or your Travelling Companion are travelling to, from, or through. 

Is there epidemic/pandemic diseases cover for Travelling Companions as well?

There is no cover for epidemic and pandemic diseases for your Travelling Companion under your policy unless the Travelling Companion is named on your Certificate of Insurance.

The policy provides you with cover if:

  • your Travelling Companion contracts Covid-19 and you can no longer travel; or
  • the Travelling Companion is specifically ordered by name into quarantine on the suspicion of having Covid-19.

Travelling Companion is defined in the Policy Wording as follows: 

Means a person with whom You have made arrangements before Your policy was issued, to travel with You for at least 75% of Your Journey.

If you are required to have a Covid-19 test to obtain flight and visa approvals, will this be covered under the policy?

There is no cover for Covid-19 tests taken as a precaution or as part of a procedure to arrange flights and visas.

Can you take out cover for epidemic and pandemic diseases on its own? Alternatively, can the selected cover for epidemic and pandemic diseases be added to an existing policy?

The selected cover for epidemic and pandemic diseases is not available as an add-on. 

If there is a border closure following an outbreak and you cannot travel, can you make a claim under the policy?

No, the policies have a General Exclusion for government intervention and do not provide cover in the event that the government calls for border closures.

If you have had Covid-19, should you declare it as a Pre-existing Medical Condition?

Please get in touch with our friendly New Zealand-based team on 0800 630 115 in the first instance if you have had Covid-19.   

Does the cover include lockdown or quarantine and isolation costs both in New Zealand and overseas?

AA Travel insurance policies provide cover for the cancellation of a trip, if you or your Travelling Companion are quarantined or ordered into mandatory isolation by the New Zealand Government based on their suspicion that you or your Travelling Companion have been exposed to an epidemic or pandemic disease. However, there is no cover for claims arising from any lockdowns or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area or that applies based on where you or your Travelling Companion is travelling to, from, or through. 

 

How can you check whether your policy has selected cover for epidemic and pandemic diseases?

Read the Policy Wording and check whether there are benefits related to Epidemics and Pandemics and refer to the following sections in particular: 

AA International Leisure Cover Policy Wording:

  • Section 1k: Epidemics and Pandemics

AA Business Cover Policy Wording:

  • Section 1j: Epidemics and Pandemics

AA Domestic Cover Policy Wording:

  • Section 1.5: Epidemics and Pandemics