• COVID-19 and the CAPRICORN RISK SERVICES Leisure Travel Insurance Policy

    Last Update: 20 March 2020

    With the outbreak of coronavirus (COVID-19) commencing in December 2019 the Department of Foreign Affairs and Trade (DFAT) increased their travel advice for all international travel to“Level 4: Do Not Travel” on 18 March 2020 (click here for details). This will impact Members, non-Members and Capricorn staff covered under the Capricorn Risk Services Leisure Travel Policy who are planning on traveling overseas.

    DFAT’s Advice (as at 18 March 2020)

    “We now advise all Australians: do not travel overseas at this time. This is our highest advice level (level 4 of 4).

    If you are already overseas and wish to return to Australia, we recommend you do so as soon as possible by commercial means.

    Regardless of your destination, age or health, our advice is do not travel at this time.”

    Does the CAPRICORN RISK SERVICES Leisure Travel Policy provide cover?

    Our insurer, QBE Insurance, has provided the following information regarding COVID-19 impacting international travel:

    · Cover for overseas medical and emergency medical expenses applies for international travellers as per the normal terms and conditions of the policy, including for those that contract COVID-19 while overseas.

    · 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, public warnings were released on 11 March 2020 by the World Health Organization. Note, some destinations like China and Iran, were upgraded to ‘Do Not Travel’ status earlier than this date, so individual circumstances apply. Customers should check advice levels prior to booking trips and travelling.

    · Cover for loss of deposits and additional expenses related to cancellation/disruption will apply, subject to the terms and conditions of the policy, for trips commencing before 31 May 2020. For trips commencing after that date, please contact us 14 days before the commencement of your trip so your situation can be assessed.

    · If there is no direct 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 overseas, policy coverage applies. Customers should continue to monitor updates via http://www.smartraveller.gov.au and follow all medical advice.

    · If returning from overseas, 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.

    · Effective 19 March 2020, no extensions beyond the policy terms (a maximum of 28 days for international trips) can be requested for any trips yet to be booked.

    What to do if you need to make a claim

    If you are 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 . Alternatively you can download and fill in the QBE Travel Insurance Claim Form here. If you are currently overseas and your trip has been impacted by COVID-19, 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 at the bottom of the webpage. 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 .