World2Cover travel insurance review

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Save on your next policy to destinations including Bali, Thailand, USA, Europe, Japan, New Zealand, Vietnam and more. Terms and conditions apply.

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Name	Product	Overseas Medical Expenses	Cancellation and amendment fees	Theft or damage to lugagge	COVID-19 expenses	Standard excess
World2cover Domestic Travel Insurance		No	$25,000	$7,500		$200	Get quote View details	Compare	loading Fetching your data...
World2cover International Top Cover Travel Insurance		Unlimited	Unlimited	$15,000		$200	Get quote View details	Compare	loading Fetching your data...

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• Who underwrites World2Cover travel insurance?

  World2Cover is a trade name of the Tokio Marine & Nichido Fire Insurance Co., Ltd insurance company, which insures people in 37 countries across the world, including Australia and New Zealand.

Summary of World2Cover's International Top policy

^{Table updated June 2021}

What type of policies does World2Cover offer?

World2Cover review of benefits

We've summarised the four policies you can obtain from World2Cover in the table below, with the benefits each one provides.

^{Table updated June 2021}

• World2Cover benefits explained

  • Overseas medical and hospital. If you require medical care while you're overseas, World2Cover will give you unlimited cover for both the care and required hospital expenses.
  • Luggage. If your personal belongings in your luggage are lost, damaged, or destroyed, World2Cover will compensate you for their repair or replacement costs up to the stated maximum. Each individual item or type of item may be subject to a specific sub-limit.
  • Travel documents. World2Cover will reimburse you not only for the loss or theft of critical travel documents like passports etc., credit cards or travellers cheques, but also for any fraudulent use of funds attached to them.
  • Travel delay. When you have scheduled transport (like a tour bus or plane) that ends up delayed for more than 6 hours, World2Cover will compensate you for meal costs and accommodation you have to buy as a result.
  • Luggage delay. This cover kicks in when your luggage ends up delayed by over 10 hours and you end up having to purchase essential items or clothing as a result.
  • Personal liability. You may find yourself in a situation where you end up owing legal fees or compensation due to an accident. World2Cover will help pay these costs with this benefit.

What options can I add on to my World2Cover travel insurance?

With Domestic, Essential or Top travel insurance, you have the choice of additionally purchasing the ski and winter sports package. For an added premium, you will receive cover for:

• Equipment hire and equipment replacement, as well as lost lift pass replacement costs.
• Travel passes, ski hires and similar you can't use the full duration of due to illness or injury.
• Piste closures, bad weather, and avalanches.

What won't be covered by my policy?

Before purchasing any insurance plan, you should always take careful note of the specific exclusions that apply to each policy. In general, however, World2Cover will never honour a claim if:

• You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of drugs or alcohol.
• You are doing something illegal or breaking any regulation or law when the issue arises.
• You're driving a vehicle without the proper licence for the country you're in, or are a passenger on a motorcycle or similar with someone unlicensed driving.
• You went ahead with travel plans despite official warnings from the government or mass media.
• Your claim relates to a pre-existing medical condition you either did not inform World2Traveller about or which wasn't approved.
• You were participating in risky sports or activities (e.g. mountaineering, rodeos).