• Coronavirus and the CRS Leisure Travel Insurance Policy

    As widely reported in the media, an outbreak of a coronavirus, originating from China, is likely to become an international pandemic. In response, the Department of Foreign Affairs and Trade (DFAT) increased their travel advice to “Level 4: Do Not Travel” to China on 2 February 2020 (click this link for details). This advice will impact Members, non-Members and staff covered under the CRS Leisure Travel Policy who are planning on traveling to or are already in China.

    Coronavirus China Map

    DFAT’s Advice (as at 4 February 2020)

    “On advice from the Australian Chief Medical Officer, we now recommend Australians do not travel to China due to the increased risk from novel coronavirus. The Australian Government has directed non-essential Australian-based Embassy and Consulate staff and their dependants to return to Australia from mainland China posts, in response to the novel coronavirus (2019-nCoV) outbreak. If you are currently in China, leave as soon as possible by commercial means. Many airlines have temporarily reduced or stopped flights.”

    Does the CRD Leisure Travel Policy provide cover?

    The insurer, QBE Insurance, has provided the following statement regarding the Novel Coronavirus impacting travel to China:

    • There is no cover for cancellation/disruption for trips booked after DFAT issues a ‘Do Not Travel’ advice level for an intended destination, or after public warnings or mass media reports are issued in relation to an event giving rise to a claim.  In this case, the advice level for China was upgraded to ‘Do Not Travel’ on 2 February 2020.  Customers should check advice levels prior to booking trips and travelling
    • Cover will apply if travel has been booked prior to 2 February 2020 and is directly impacted due to the upgraded advice level or warnings, cancelled flights, etc
    • If there is no impact on travel, then there is no insurable loss – to be clear, no cover will be provided for ‘change of mind’
    • If currently impacted and in China, policy coverage applies.  Customers should continue to monitor updates via www.smartraveller.gov.au and follow all medical advice
    • If returning from China, under Australian health law, medical expenses on your return can only be covered if you were first treated overseas. Cover remains subject to applicable legislation for Medicare and health insurance

    What does this mean?

    Any trip to China booked after the DFAT advice increase on 2 February 2020 will not be covered by the policy. Cover will only apply if a trip to China has been booked prior to 2 February 2020 and is directly impacted due to cancelled flights, loss of deposits, additional expenses etc, subject to the terms and conditions of the policy. As such, the cover will not apply for ‘change of mind’.

    What to do if you need to make a claim

    If you are still in Australia and can no longer travel as originally planned, please contact the Capricorn Insurance Services Team on 1300 761 780 or QBE directly on 02 9375 4874. If you are currently overseas and your trip has been impacted by the coronavirus, please contact the International Assistance Team on +61 3 8523 2523 or travel-assist@nib.com.au.

    Please have the following information at hand:

    • Insured Name: Capricorn Risk Services
    • Policy Number: 60 A043375 PAD

    Note, this policy only covers Members and non-Members of Capricorn Society who hold a current financial product (insurance or protection) through Capricorn Risk Services and Full Time/Permanent Part Time Employees of Capricorn Society Limited.

    Who do I contact for more information?

    Please visit the Capricorn Risk Services website for a copy of the Group Leisure Travel Policy PDS and schedule (link). If you have any queries in relation to this policy, please contact the Capricorn Insurance Services team either on 1300 761 780 or at info@capricorninsurance.com.au .