If quarantine or isolation is required by the government then there is no cover under the policy. This
is because of the general exclusion of claims due to a government intervention. This exclusion applies
regardless of when your policy was purchased.
If you purchased your policy before the 13 February 2020:
If quarantine is required because you have confirmed COVID-19 and this is recommended by your
doctor as it forms part of your medical treatment, there is cover in line with your policy terms and
conditions.
If you purchased your policy after the 13 th February 2020:
NZ Visitor, Australasian and NZ Traveller Plans:
No, you will not have cover for COVID-19 related claims (including claims for quarantine) if you
purchased your policy after 13 February 2020.
NZ Student Plan Only:
Uni-Care is offering cover for confirmed cases of COVID-19 for medical expenses and medical
evacuation. If quarantine is required because you have confirmed COVID-19 and this is
recommended by your doctor as it forms part of your medical treatment, there is cover in line with
your policy terms and conditions (Section 1.A1 only).
If you purchased your policy after 11 March 2020:
If you travel to a country where MFAT has issued a "Do Not Travel" or "Avoid Non-Essential Travel",
warning and you are diagnosed with a confirmed case of COVID-19 in that country we will not cover
your costs of quarantine as you chose to travel against government warning and advice.