Are you escaping the winter and heading for warmth? Are you unsure what you may be covered/not covered for? OFS can do your travel insurance.

What is covered: 

• If you need to cancel your trip because you’re unable to travel due to contracting an epidemic or pandemic disease such as Covid-19. For example, you contract Covid-19 and can no longer travel to the Cook Islands. 
• If you or your travelling companion are denied boarding your flight based on a suspicion that either of you have an epidemic/pandemic disease, and you incur additional meals and accommodation expenses. For example, you/your travelling companion contract Covid-19 while in the Cook Islands and can’t board your flight home to New Zealand.
• If you or your travelling companion are specifically and individually ordered into quarantine by name based on the suspicion either of you have been exposed to an epidemic or pandemic disease. For example, if you or your travelling companion are specifically asked to quarantine there is cover in place. 
• If you contract an epidemic or pandemic disease after you commence your journey there is provision to claim for medical benefits. For example, you contract Covid-19 while in the Cook Islands, you can claim for medical benefits. 

What is not covered: 

• Claims arising from lockdowns. For example, the New Zealand or Cook Islands government puts the country or part of the country into a lockdown, there is no cover under your policy.
• Changes in government alert levels. For example, the New Zealand or Cook Islands government changes the alert level in the country or part of the country into a higher alert state, impacting travel to/from that area, there is no cover under your policy.
• Quarantine requirements are changed. For example, if the New Zealand government requires you to go into quarantine on return from the Cook Islands, there is no cover under your policy unless you had contracted Covid-19 on the trip and are instructed into quarantine by name. 
• Mandatory isolation that applies generally or broadly to some or all of a population. For example, if the New Zealand or Cook Islands government puts everyone in an area into mandatory isolation, there is no cover under your policy unless you have contracted Covid-19 disease.

Source - Allianz Travel Cook Islands PDF