COVID-19 (coronavirus) travel insurance information

What you need to know about your travel insurance during the coronavirus pandemic

What has changed?

On 11 March 2020 the World Health Organisation (WHO) declared the coronavirus outbreak is a global pandemic.

On 24 March 2020, the Australian Government announced a ban on overseas travel (with limited exceptions). They also advise avoiding all non-essential domestic travel. Read our claims advice.

If your travel plans have been affected by the coronavirus pandemic, you may be eligible for a refund of your premium when you cancel your policy. This depends on your situation and the type of policy you have, so check below for more information.

Refunds for single-trip policies

You’re eligible for a full refund of your premium if all these apply to you:

  • Your policy number starts with 721
  • You have a single-trip policy and you couldn’t leave for your trip because of border closures related to the coronavirus pandemic
  • Your departure date (shown on your Certificate of Insurance) is after 24 March 2020
  • You have a valid travel booking
  • You haven’t made a claim, and you won’t make one for this policy in the future.

Request a refund (single-trip)

Once you've requested your refund, we'll process it as soon as we can (usually within 3 weeks).

The refund will be sent to the same card you used to pay your premium.

If there are any issues processing your refund, we'll contact you.

Refunds for annual multi-trip policies

You're eligible for a partial refund of your premium if all these apply to you:

  • Your policy number starts with 721
  • You have an annual multi-trip policy and your travel plans have been affected by the coronavirus pandemic
  • You haven't left for any trips yet, or your policy started less than 6 months ago
  • You haven't made a claim, and you won't make one for this policy in the future.

To arrange a refund for your annual multi-trip policy, you have to call us on 1300 135 826.

Do you want a credit note?

If your trip’s been cancelled because of the coronavirus pandemic and you don’t have new travel dates yet, you can also request a credit note.

We’ll give you credit for the full premium you’ve paid, and you can use it to pay for another travel insurance policy within two years of your original departure date.

You can get a credit note if your original departure date (shown on your Certificate of Insurance) is after 24 March 2020.

To request a credit note, call us on 1300 135 640.

Has your trip been postponed?

If your trip has been postponed and you need to update your policy with your new departure dates, call us on 1300 305 790 (8am–8pm).

Things you should know

  1. To be eligible for a refund, your NRMA Travel Insurance policy must be issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) ("ZAIL"). Cover-More Insurance Services Pty. Ltd. (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as NRMA Insurance will arrange for the issue of NRMA Travel Insurance.