The situation with the 2019 Novel Coronavirus (“Covid-19”) continues to evolve. The information in this Travel Advisory is current at the time of publication but is subject to change. Please keep up to date with the latest information on http://www.allianzpartners.co.nz/.
On Thursday 19 March 2020, the New Zealand government issued advice that all New Zealanders do not travel overseas at this time due to the outbreak of Covid- 19, associated health conditions and travel restrictions
Following the government’s latest travel advice, we would like to remind customers that the General Exclusion for epidemics/pandemics and government intervention took effect from 10am Friday 28 February 2020. Where a policy has these exclusions, a General Exclusion applies to all sections of the policy, regardless of when it was purchased.
There is no change to Allianz Partners’ position on Covid-19 for customers who are currently travelling. The policy will continue to respond and customers will continue to have cover for medical and emergency medical transportation claims related to Covid-19 and claims unrelated to Covid-19.
However, for customers who are due to travel overseas from 2pm Friday 20 March, there will be no cover for claims related to interference to travel plans for customers whose policy includes a general exclusion for government intervention, except for medical and emergency medical transportation claims related to Covid-19. We would expect customers to be aware of the New Zealand government’s travel advice by this point.
We are still committed to providing medical and emergency medical transportation cover for customers, however our standard medical assistance procedures may be impacted by government travel bans. If customers suspect they have the virus, they should contact a local medical professional and our Emergency Assistance service.
If customers' journey home is delayed due to Covid-19, their policy period will extend free of charge until they are able to return to New Zealand or to their home country, provided they meet the criteria for automatic extension outlined in their policy.
The new rules around self-isolating for 14 days upon arriving into New Zealand do not impact on insurance coverage and the General Exclusion for epidemics still stands. There is no further change to Allianz Partners New Zealand’s position following the change in entry requirement into New Zealand.
The advice from Ministry of Foreign Affairs and Trade (MFAT) that New Zealanders should avoid non-essential travel overseas does not impact on insurance coverage for those who decide to continue with their travel plans. Customers will continue to have cover for medical benefits (including medical and emergency medical transportation claims related to Covid-19) and other benefits aside from losses related to Covid-19 where a policy has an exclusion for epidemics.
As of Thursday 12 March 2020, Covid-19 has been confirmed by the World Health Organisation as a pandemic. Following this announcement, there is no further change to Allianz Partners New Zealand's position on Covid-19. Our General Exclusions for epidemics and government intervention came into effect on Friday 28 February 2020 and continues to apply to our policies with the exception of medical and emergency medical transportation claims. We are currently covering medical and emergency medical transportation claims related to Covid-19. We recommend that customers who suspect they have the virus contact a local medical professional and our global Emergency Assistance service.
To assist with queries, we have published a FAQ document with more information on our policies in relation to Covid-19 available here.
More information on medical and emergency medical transportation cover related to Covid-19 is available here.
The World Health Organisation recognises Covid-19 as an epidemic. Many travel insurance policies exclude losses caused directly or indirectly by an epidemic or pandemic. Please refer to your policy to learn whether this exclusion applies to you.
Following the continued spread of Covid-19, the General Exclusions around epidemics and government intervention will take effect from 10AM Friday 28 February 2020. Customers whose policy have these exclusions may still have coverage for a covered loss occurring on or prior to Friday 28 February 2020.
We are currently considering medical and emergency medical transportation claims related to Covid-19 on a case-by-case basis. If you experience a medical event related to Covid-19, please submit a claim for consideration.
Despite these General Exclusions, you may still claim under other benefits of your policy for events unrelated to Covid-19, for example medical cover for a broken leg or a car accident.
Allianz Partners New Zealand declared Covid-19 a known event on 30 January 2020. Allianz Partners New Zealand declared the Samoan government response to Covid-19 a known event on 25 January 2020. As a reminder, travel insurance policies generally exclude losses caused by events that were known or foreseeable at the time the policy is purchased.
Customers have a right to claim for losses and we will continue to assess each claim on its own merit.
We understand that Covid-19 is a complex and changing situation. We will continue to assess each claim on a case-by-case basis. Updates will be published on www.allianzpartners.co.nz
Our communication on the Coronavirus includes the following (last updated 11AM 28 February 2020):
The Ministry of Foreign Affairs and Trade (MFAT) has reviewed their travel advice for China and now advises that New Zealanders do not travel to China.https://www.safetravel.govt.nz/news/novel-coronavirus-china-2019-ncov
The New Zealand government has advised that foreign travellers who travel or transit through mainland China after February 2 will be refused entry to New Zealand.
Our communication on the Coronavirus includes the following (last updated 12PM 4 February 2020):
Most Allianz Partners policies have a general exclusion for government restrictions on travel. Check the exclusions of your policy to see if this applies to you. If your travel plans are directly impacted, we will assess claims on a case-by-case basis in accordance to your specific Policy Wording.
This Travel Advisory is for the Coronavirus – we are regarding the virus itself to be the known event.
A new strain of the Coronavirus has emerged in China and spread to other countries around the world. Chinese authorities have imposed travel restrictions in and out of China.
The Ministry of Foreign Affairs and Trade (MFAT) now advises that New Zealanders avoid non-essential travel to China and do not travel Hubei Province. https://www.safetravel.govt.nz/news/novel-coronavirus-china-2019-ncov
In light of MFAT’s latest travel advice, we are issuing a Travel Advisory to provide greater clarity around how Allianz Partners’ travel insurance policies would respond. As the situation is constantly evolving, we recommend customers keep up to date by following SafeTravel and Allianz Partners’ website. Allianz Partners’ position may change, due to the ever-changing nature of this event.
If you are travelling in an area affected by the Coronavirus, follow the advice of local authorities and in an emergency, contact our 24/7 Emergency Assistance on +64 9 486 6868. To stay safe while travelling, we recommend you adhere to good hygiene and follow advice from the World Health Organisation to protect yourself and others from getting sick.
Our communication on the Coronavirus includes the following (last updated 11AM 30 January 2020):
As a general guide, we suggest that impacted travellers check their travel insurance Policy Wording regarding cancellation, travel delay, missed connection/additional travel expenses and curtailment, as these will provide useful assistance around the cover under your policy.
At this stage, our policies will not respond to customers wanting to cancel travel to anywhere apart from mainland China, based on the advice MFAT has provided guidance on to date. For example, if you are travelling or transiting through Hong Kong and Singapore, as at 30 January 2020, MFAT has not issued travel advice about these destinations. If your flights through these ports have not been cancelled but you do not wish to take them, this would not be claimable under our policies.
It is always our priority to assist our customers where possible and within our ability to do so. If you are currently travelling, the following sections of your Policy Wording will provide guidance around the cover your policy provides: