World2Cover Travel Insurance Review
World2Cover is an award-winning travel insurance provider focused on cost-effectiveness, transparency, and flexibility. Part of Tokio Marine & Nichido Fire Insurance, established in 1879 in Japan, the company has been serving Australian travelers since 1963. With over 150 staff in Sydney and Melbourne, World2Cover offers reliable, user-friendly travel insurance, available 24/7 for customer support and claims assistance.
Recognized for its value, World2Cover has won awards like the Canstar Outstanding Value Award and Mozo’s Travel Insurer of the Year. Their online processes make policy management and claims simple and efficient.
| 🔎 Category | 📌 Details |
| 📍 Date Established | 1963 |
| 🏦 Headquartered | Tokio Marine Management (Australasia) Pty Ltd, Level 17, 60 Margaret Street, Sydney, NSW 2000, Australia |
| 🛡️ Regulation and Compliance | Regulated, ABN 80 000 438 291, AFSL 246 548 |
| 🅰️ Type of Travel Insurance Plans | International and Domestic Single Trip, Annual Multi-Trip, Domestic Single Trip, Cruise Cover, Ski Cover |
| 🅱️ Key Cover Areas | Medical Cover, Trip Cancellation/Interruption, Baggage Loss, Personal Liability, Emergency Evacuation |
| 🚨 Emergency Assistance Services | 24/7 emergency assistance for medical and non-medical support |
| 🤕 COVID-19 Cover | Covers trip cancellations, medical costs, and quarantine expenses related to COVID-19 |
| 📉 Maximum Cover Limits | Unlimited for medical expenses under Top Cover; specific limits for baggage and cancellations |
| 🏈 Adventure and Sports Cover | Covers most amateur sporting and adventure activities without additional cost |
| 📈 Claims Submission Process | Online claims process |
| 📊 Average Claim Settlement Time | Response within 10 business days from the completed application |
| 💹 Customer Support Availability | Monday to Friday, 8 am – 9 pm AEST; Saturday and Sunday, 9 am – 6 pm; 24/7 emergency assistance available |
| 📲 Mobile App and Digital Services | Online claims portal available; no native app or additional digital tools |
| ⭐ Customer Reviews and Ratings | High ratings across platforms |
| ↪️ Annual Premium Range | Varies; starts from $59.18 |
| ❌ Exclusions and Limitations | Pre-existing medical conditions and certain high-risk activities |
| 🎉 Discounts and Promotions | 0% discount for second traveler; additional discounts for family or group travel |
| ⚙️ Policy Limits and Flexibility | Flexible policy options with a cooling-off period of 21 days |
| 🌎 Global Reach and Market Presence | Part of Tokio Marine & Nichido Fire Insurance Co. Ltd with operations in 45 countries |
World2Cover Plan Comparison and Overview
| 🔎 Plan Option | 📉 Features | 📈 Min and Max Premium | 📊 Cover Limits | ❌ Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 🎉 Discounts Available |
| 🥇 Top Cover | Unlimited overseas medical and hospital, cancellation cover, luggage cover, rental vehicle excess cover | From $125.15 to $231.53 | Unlimited medical, $15,000 luggage, $5,000 rental vehicle excess | Pre-existing conditions, certain high-risk activities | International travelers who need comprehensive coverage | ✅Yes | 10% off for multi-policy |
| 🥈 Essentials Cover | Unlimited medical, up to $25,000 cancellation cover, luggage cover, rental vehicle excess cover | From $87.60 to $162.06 | Unlimited medical, $7,500 luggage, $4,000 rental vehicle excess | Pre-existing conditions, certain high-risk activities | Cost-conscious travelers who want balanced coverage | ✅Yes | 10% off for multi-policy |
| 🥉 Basics Cover | Essential medical cover | From $59.18 | Unlimited medical, $2,000 luggage | No cancellation cover, pre-existing conditions, certain high-risk activities | Budget-conscious travelers focusing on essential medical cover | ✅Yes | 10% off for multi-policy |
| 🏅 Annual Multi-Trip | Multiple trips per year, unlimited medical, cancellation cover, luggage cover, reinstates cover after each trip | From $365.92 to $676.96/year | Unlimited medical, $15,000 luggage, $5,000 rental vehicle excess | Pre-existing conditions, certain high-risk activities | Frequent travelers focused on consistent coverage | ✅Yes | 10% off for multi-policy |
Travel Insurance Plans and Cover Options
International Single Trip Plans
World2Cover offers a variety of travel insurance plans tailored to meet the needs of different types of international travelers, providing a range of coverage options from comprehensive to essential protection.
Top Cover
The Top Cover plan is World2Cover’s most extensive option for single international trips. It includes unlimited overseas medical and hospital expenses, making it ideal for travelers seeking high-end protection.
Beyond medical care, Top Cover provides comprehensive cancellation coverage, including for non-refundable travel bookings.
This plan also addresses luggage concerns, offering up to $15,000 in luggage and personal effects cover, and includes rental vehicle excess cover of up to $5,000. Travelers can enhance their protection with optional add-ons for ski or cruise cover.
Premiums start from $125.15 for single travelers under 25 with a $200 excess, rising to $231.53 when both ski and cruise cover options are included.
| 🔎 Feature | 📌 Cover |
| 📉 Cancellation Fees and Lost Deposits | Unlimited |
| 📈 Overseas Medical and Hospital | Unlimited |
| 📊 Cash in Hospital (per day) | $50, up to $6,000 |
| 💹 Overseas Dental | Up to $2,000 |
| 💱 Luggage | Up to $15,000 |
| 📉 Personal Money | Up to $500 |
| 📈 Rental Vehicle Excess | Up to $5,000 |
Essentials Cover
Essentials Cover balances cost and cover, making it suitable for travelers seeking substantial protection without the premium price of Top Cover. Essentials include unlimited medical cover for cancellations up to $25,000, luggage, and a rental vehicle excess of $4,000.
The limits are lower than those in Top Cover, and this plan is intended for those with moderate cover needs. Optional add-ons for skiing and cruising are available to enhance the plan for specific activities.
Premiums start from $87.60 for a single adult under 25, with options rising to $162.06 with ski/winter sports add-ons.
| 🔎 Feature | 📌 Cover |
| 📉 Cancellation Fees and Lost Deposits | Up to $25,000 |
| 📈 Overseas Medical and Hospital | Unlimited |
| 📊 Cash in Hospital (per day) | $50, up to $3,500 |
| 💹 Overseas Dental | Up to $2,000 |
| 💱 Luggage | Up to $7,500 |
| 📉 Personal Money | Up to $250 |
| 📈 Rental Vehicle Excess | Up to $4,000 |
Basics Cover
The Basics Cover is an economical choice focusing on essential medical cover. This plan is ideal for travelers primarily concerned with emergency health issues abroad, providing unlimited overseas medical expenses but limited benefits otherwise.
Basics Cover doesn’t cover cancellations or personal money, making it best suited for budget-conscious travelers seeking essential protection. Premium starts from $59.18 for single travelers under 25, with limited add-ons available.
| 🔎 Feature | 📌 Cover |
| 📉 Cancellation Fees and Lost Deposits | Not Applicable |
| 📈 Overseas Medical and Hospital | Unlimited |
| 📊 Cash in Hospital (per day) | $50, up to $1,500 |
| 💹 Overseas Dental | Up to $500 |
| 💱 Luggage | Up to $2,000 |
| 📉 Personal Money | Not Applicable |
| 📈 Rental Vehicle Excess | Not Applicable |
Annual Multi-Trip Plan
Designed for frequent travelers, the Annual Multi-Trip plan offers cover for multiple trips within 12 months, with trip durations of up to 30, 45, or 60 days each.
This plan includes unlimited medical and hospital expenses, generous cancellation coverage, and luggage protection. It also reinstates the sums insured after each trip, allowing travelers to maintain consistent cover throughout the year without needing multiple policies.
Premiums start at $365.92 per year for a single adult under 25, with options up to $676.96 when cruise and ski add-ons are included.
| 🔎 Feature | 📌 Cover |
| 📉 Cancellation Fees and Lost Deposits | Unlimited |
| 📈 Overseas Medical and Hospital | Unlimited |
| 📊 Cash in Hospital (per day) | $50, up to $6,000 |
| 💹 Overseas Dental | Up to $2,000 |
| 💱 Luggage | Up to $15,000 |
| 📉 Personal Money | Up to $500 |
| 📈 Rental Vehicle Excess | Up to $5,000 |
Domestic Single Trip Plan
The Domestic Single Trip plan is for trips within Australia, offering protection for cancellations, luggage, and emergency accommodation. Unlike international plans, it excludes medical coverage since Medicare provides for domestic emergencies.
This plan includes rental vehicle excess cover and is best suited for travelers who want cover for unexpected domestic disruptions. Premiums start at $145.29 per month for single adults under 25, with add-ons for winter sports cover available.
| 🔎 Feature | 📌 Cover |
| 📉 Cancellation Fees and Lost Deposits | Up to $3,500 |
| 📈 Emergency Expenses | Up to $5,000 |
| 📊 Luggage | Up to $2,000 |
| 💹 Personal Money | Not Applicable |
| 💱 Rental Vehicle Excess | Up to $5,000 |
Key Features and Benefits of World2Cover Travel Insurance
World2Cover offers features across its travel insurance plans. These include comprehensive options for cruise cover, policy add-ons, extensive luggage limits, and sports cover.
By including ski and water sports cover and cover for rental vehicle excess, World2Cover provides a well-rounded safety net for a range of travel activities.
Comprehensive Cover Details
Cruise Cover
Cruise-specific cover ensures protection for both international and domestic cruises. For international cruises, travelers must select the countries visited as their destination, granting them benefits like medical cover while at sea.
Domestic cruise cover includes medical and evacuation benefits not covered by Medicare.
Policy Options and Add-ons
Travelers can enhance their policies with optional extras such as Ski and Winter Sports Cover, which offers skiing, snowboarding, and snowmobiling protection. Excess can be reduced from the standard $200 to $100 or even $0, except for the Basics Cover, which allows a minimum of $100.
Luggage and Item Limits
World2Cover provides generous cover limits for personal belongings:
- Cameras and laptops: Up to $3,000 under Top Cover
- Golf clubs and medical devices: Up to $3,000
- Smart/mobile phones: Up to $1,000
Ski and Water Sports Cover
This optional add-on extends cover to glacier skiing to snowmobiling, if activities are conducted under guided conditions or within designated areas.
The cover includes medical expenses, ski equipment hire, and compensation for unused ski passes if the traveler is incapacitated due to illness or injury.
Sports and Activities Cover
Amateur sports like bungee jumping, hot air ballooning, and scuba diving are covered, provided conditions are met, such as licensed instructors for scuba diving. However, extreme sports like backcountry skiing and skydiving are excluded.
Rental Vehicle Excess
The policy covers rental vehicle excess up to $5,000 for Top Cover, Annual Multi-Trip, and Domestic Cover, and $4,000 for Essentials Cover. The benefit covers damages or theft of rental vehicles, reducing the financial burden on travelers.
| 🔎 Feature | 🥇 Top Cover | 🥈 Essentials Cover | 🥉 Basics Cover | 🏅 Domestic Cover |
| 📉 Cruise Cover | Available | Available | Not Applicable | Not Applicable |
| 📈 Ski and Winter Sports Cover | Available | Available | Not Available | Available |
| 📊 Luggage Limit | $15,000 | $7,500 | $2,000 | $1,500 |
| 💹 Sports and Activities | Covered* | Covered* | Limited | Covered |
| 💱 Rental Vehicle Excess | $5,000 | $4,000 | Not Available | $5,000 |
(*Certain conditions apply, e.g., for high-risk activities.)
World2Cover Travel and Health Cover Overview
World2Cover has health coverage across its travel insurance plans, ensuring that travelers are protected against many medical scenarios.
This benefit includes unlimited overseas medical and hospital expenses, cover for dental emergencies, and provisions for accidental death, disability, and loss of income due to injury.
| 🔎 Benefit | 🥇 Top Cover | 🥈 Essentials Cover | 🥉 Basics Cover |
| 📉 Overseas Medical and Hospital | Unlimited | Unlimited | Unlimited |
| 📈 Cash in Hospital | $6,000 | $3,500 | $1,500 |
| 📊 Overseas Dental | $2,000 | $2,000 | $500 |
| 💹 Accidental Death | $25,000 | $15,000 | Not Available |
| 📉 Accidental Disability | $25,000 | $15,000 | Not Available |
| 📈 Loss of Income | $10,400 | $5,200 | Not Available |
Pre-existing Conditions
World2Cover has guidelines for pre-existing conditions:
- Conditions like acne, asthma (under 60 years of age with no other lung disease), and diabetes are covered without additional assessment if there’s been no hospitalization or specific treatments in the past 12 months.
- Other conditions require a detailed medical assessment. Cover might be available with an additional premium or excluded altogether.
Travelers must notify the insurer of any changes in health status before travel, which will lead to policy adjustments or withdrawal of cover.
COVID-19 Benefits
World2Cover includes COVID-19 cover for overseas medical and hospital expenses under its Top Cover plan. This includes:
- Unlimited medical treatment and hospitalization costs if diagnosed during the trip.
- Up to $3,500 for non-refundable pre-paid travel expenses if the trip is canceled due to COVID-19
Additional Health-related Covers
- Accidental Death and Disability provide lump-sum payments if a traveler suffers fatal or life-altering injuries during the trip.
- A weekly benefit is offered for those unable to work due to injuries sustained while traveling, with specific limits varying by plan.
Pricing, Premiums, and Value for Money
World2Cover’s pricing strategy balances premium costs with value delivered through comprehensive cover options. Premium calculations consider the travel destination, trip duration, the traveler’s age, and optional add-ons such as Ski and Cruise Cover.
Premiums are determined by:
- Higher risk or long-haul destinations typically result in higher premiums.
- Extended trips incur additional costs due to increased exposure to risk.
- Policyholders can adjust the standard $200 excess to $100 or even $0, influencing the overall premium. Notably, Basics Cover only allows an excess reduction to $100
Price-to-Cover Ratios
The price-to-cover ratio is the assessed value. For example:
- Starting from $231.53 for young adults under 25 with additional Ski and Cruise options.
- Starts from $87.60, making it a more affordable option with a balanced cover.
- The most economical, starting from $59.18, focusing on essential health benefits.
Premium Comparison by Plan
| 🔎 Plan | 💶 Base Premium (Under 25) | 📉 With Ski Cover | 📈 With Cruise Cover | 📊 With Both Add-ons |
| 🥇 Top Cover | $125.15 | $231.53 | $231.53 | $231.53 |
| 🥈 Essentials Cover | $87.60 | $162.06 | $105.12 | $125.15 |
| 🥉 Basics Cover | $59.18 | $59.18 | $71.01 | $71.01 |
| 🏅 Annual Multi-Trip | $365.92 | $603.78 | $439.11 | $676.96 |
| 🎖️ Domestic Single Trip | $145.29 (monthly) | $239.71 | Not Applicable | Not Applicable |
Impact of Excess Options
Adjusting the excess impacts the premium significantly. By lowering the excess from $200 to $100 or $0, policyholders can reduce out-of-pocket expenses during claims, though this results in a higher upfront premium
Value for Money
Understanding premium calculations is important for travelers as it lets them make informed choices about their cover options. World2Cover’s flexibility in covering optional add-ons and providing flexible excess adjustments ensures that travelers can align their cover with their needs, balancing cost and cover.
Recognizing the nuances in pricing can lead to better choices, ensuring both affordability and comprehensive protection.
World2Cover Travel Insurance Discounts and Incentives
World2Cover offers multi-policy discounts, promotional codes, and complimentary cover for dependents.
Multi-Policy Discounts
This discount benefits families or groups traveling together, making it more economical to insure multiple members under the same booking. The discount is automatically applied to the second traveler.
Eligibility
Available for travelers purchasing multiple policies simultaneously.
Discount Rate
10% off the base premium for the second traveler, typically the youngest, before applying any medical loadings.
Terms
The discount only applies when policies are purchased together. Discounts do not apply retroactively or to policies purchased separately.
Promotional Codes
By subscribing to World2Cover’s updates or visiting their website, travelers can access promotional codes, which offer temporary discounts on their premiums. This incentive is ideal for budget-conscious travelers who plan their trips and can wait for the best deals.
Availability
World2Cover periodically offers promotional codes through their website or newsletter subscriptions.
Application
Codes can be entered during the policy purchase process.
Restrictions
Promotional codes must be valid at the time of purchase. They cannot be combined with other offers or discounts.
Complimentary Cover for Dependents
Including dependents at no extra cost allows families to extend their insurance coverage without increasing their financial burden. This benefit is valuable for families with young adults who are still financially dependent but require cover for international or domestic travel
Eligibility
Dependents aged 25 or under, financially dependent, and not working full-time can be included at no additional cost.
Criteria
Must travel with the policyholder for the entire trip. Any pre-existing conditions must be declared; additional premiums may apply for cover.
How Do I Apply For Travel Insurance with World2Cover?
Applying for travel insurance with World2Cover involves the following steps:
- Visit the World2Cover website and use the online tool to input trip details.
- Review the available options and choose a plan that best matches your travel requirements.
- Enter personal details for all travelers covered under the policy.
- Complete the medical declarations for any pre-existing conditions.
- These declarations determine if additional premiums are needed or if cover will include specific conditions.
- Carefully review the selected policy and ensure that you understand the cover limits and exclusions.
- Proceed with the payment through the available methods.
- Upon payment, policy documents are sent via email.
- These documents include the Product Disclosure Statement (PDS) and the Certificate of Insurance, which you must read to understand the terms and conditions.
World2Cover provides a 14-day cooling-off period during which the policy can be canceled for a full refund if no claims have been made and you haven’t started traveling.
How Can I Claim For Travel Insurance with World2Cover?
There’s a systematic approach involved with claiming from World2Cover. This section outlines the essential steps to ensure a smooth claims process.
Initiate the claims process after returning to Australia by notifying World2Cover using their online platform, phone, email, or mail.
Gather all necessary documents related to the claim:
- Medical Claims: Include medical certificates, receipts for incurred expenses, and hospital or dental reports.
- Luggage Claims: Provide a police report for stolen items, proof of ownership, and receipts for replacement costs.
- Cancellation Claims: Submit the travel itinerary, invoices, and any refund or compensation confirmations.
Complete and submit the claim form and supporting documents within 30 days of returning from the trip. Use the online claims submission platform for a more streamlined process(Wrold2Cover Travel Insu…)(Wrold2Cover Travel Insu…)(Wrold2Cover Travel Insu…).
World2Cover assesses claims within 10 business days of receiving all required documentation. If further information is needed, the insurer will contact the claimant to request additional details.
Documentation Requirements
| 🔎 Claim Type | 📌 Required Documentation |
| 📉 Medical, Dental, Hospital | Medical certificates, hospital reports, receipts for treatment costs |
| 📈 Luggage Loss/Damage | Police report, proof of ownership (receipts, bank statements), airline report for delayed or lost luggage |
| 📊 Trip Cancellation | Full travel itinerary, travel invoices, refund confirmations, medical certificates for health-related cancellations |
| 💹 Emergency Expenses | Receipts for accommodation and meals, proof of travel disruption, confirmation from transport provider |
Can I add more than one person to my World2Cover Travel Insurance Policy?
World2Cover lets you include multiple individuals under one travel insurance policy. Whether traveling as a family or with dependents, you must understand the eligibility requirements and cover specifics.
Criteria for Adding Dependents
Dependents can be included at no additional cost if they meet the following criteria:
- Age: Dependents must be aged 25 or under.
- Employment Status: They should not be employed full-time.
- Travel Duration: Dependents must travel with the insured adults for the trip.
Family vs Single Cover
| 🔎 Feature | 🅰️ Family Cover | 🅱️ Single Cover |
| 🥇 Eligibility | Covers two adults and their dependents | Covers the insured individual and their dependents if declared |
| 🥈 Premium | Higher premium as it covers multiple individuals | Lower premium, only one adult and declared dependents |
| 🥉 Benefits | Same as individual plans but includes multiple family members | The same benefits as individual plans |
| 🏅 Dependents Cover | Dependents aged 25 or under, financially dependent, and traveling for the full trip | Dependents covered under similar conditions |
| 🎖️ Travel Requirement | All must travel together for the full trip duration | Not applicable |
Key Requirements for Dependents
Dependents must be declared at the time of policy purchase. They must meet the eligibility criteria like age, dependency status, and travel duration. Failure to declare dependents or non-compliance with travel requirements will result in rejected claims.
World2Cover Travel Insurance Upgrades and Downgrades
World2Cover lets policyholders tailor their travel insurance by offering optional upgrades and downgrades. This flexibility accommodates specific travel needs, such as adding a Cruise or Winter Sports Cover and adjusting excess amounts.
Available Upgrades
- Cruise Covers can be added to protect cruise-specific events, including missed port departures and cabin confinement. This is available for both international and domestic cruises, depending on the selected policy
- Winter Sports Cover covers winter activities such as skiing, snowboarding, and snowmobiling, offering protection against risks associated with these sports. It includes medical expenses, ski equipment hire, and compensation for unused ski passes
- Policyholders can reduce the standard $200 excess to $100 or even $0, depending on the policy. This option minimizes out-of-pocket expenses in the event of a claim, although it may result in a higher premium. Note that for Basics Cover, the excess can only be reduced to $100
Downgrading Options
While World2Cover offers flexibility in upgrading policies, downgrading cover after purchase is prohibited. To reduce cover, customers must cancel the existing policy and purchase a new one with an appropriate cover level.
If policyholders do this during the cooling-off period, they will be eligible for a full refund if they haven’t claimed and the trip hasn’t started yet. Cancellation after this period won’t guarantee a refund unless under specific circumstances, but not merely for wanting to remove add-ons.
Upgrades and Downgrades
| 🔎 Option | 📌 Details | 📍 Costs/Conditions |
| 🥇 Cruise Cover | Protection for cruise-specific events | Additional premium based on destination and trip duration |
| 🥈 Winter Sports Cover | Cover for skiing, snowboarding, and other winter sports | Additional premium; available only with certain plans |
| 🥉 Excess Reduction | Lowers standard $200 excess to $100 or $0 | Higher premium; $100 minimum for Basics Cover |
| 🏅 Policy Downgrade | Cancellation and repurchase required | Subject to cancellation fees; must be within the cooling-off period |
World2Cover Digital Tools and Apps
World2Cover offers digital tools that can simplify policy management and claims processes. These tools have key functionalities that let customers manage their insurance needs efficiently online.
Available Digital Tools
Online Quotation System
The online quotation system lets travelers enter their destination, duration, and number of travelers to receive an instant, personalized insurance quote. The tool enables quick comparisons between different cover options to help users select an appropriate plan.
Policy Management Portal
Once a policy is purchased, customers can access the policy management portal. This online platform is a centralized space for viewing and managing policy documents, downloading the Product Disclosure Statement (PDS), and updating personal details.
The portal ensures policyholders can keep track of their cover and make adjustments before their trip begins.
Claims Submission Platform
World2Cover’s claims submission platform is for electronic filing of insurance claims. The system guides users through each step, detailing the documentation required for each type of claim.
The tool ensures that claims are handled efficiently, with a standard assessment period of 10 business days after World2Cover receives all necessary information.
Absence of a Dedicated App
World2Cover doesn’t currently offer a dedicated mobile app. Instead, customers can access all digital tools via the website to ensure full functionality on desktop and mobile browsers.
24/7 Accessibility
World2Cover’s online resources, including the quotation system, policy management portal, and claims submission platform, are accessible 24/7. This availability ensures customers can conveniently manage their travel insurance policies, regardless of time zones or travel schedules.
World2Cover Travel Insurance Additional Services and Benefits
World2Cover enhances its travel insurance offering with additional services like luggage and personal money protection, emergency expenses, and unique cover for domestic pets and hijack incidents.
Key Additional Services
Luggage and Personal Money Protection
- Provides compensation for lost, stolen, or damaged luggage, with cover limits varying by plan.
- Covers the theft of personal money, including cash, travel documents, and credit cards.
- Reimburses costs for essential items if luggage is delayed for more than 10 hours.
Emergency Expenses
- General Emergency Expenses including accommodation, meals, and travel.
- Covers costs to resume a trip after returning to Australia for specific reasons.
- Offers additional transport expenses to reach a special event if delays occur.
Domestic Pets
- Covers up to $650 for vet treatment if pets are injured while in care during the trip.
- Provides $25 per day if trip delays extend beyond the original return date.
Hijack and Kidnap Benefits
Offers up to $1,000 per day for captivity during hijack or kidnap incidents, with a maximum limit of $10,000 under Top Cover.
Domestic Services
Reimburses up to $50 per day for housekeeping if the policyholder is disabled due to an injury during the trip, with a total limit of $1,500.
How to Switch to World2Cover Travel Insurance
Review Your Current Policy
Check when your current policy expires to avoid any gaps in coverage. Understand any cancellation fees or notice periods with your current insurer.
Assess Your Needs
Consider your travel destinations, duration, and activities. Identify the cover you need, such as medical expenses, trip cancellations, or baggage protection.
Explore World2Cover Options
Choose from Top Cover, Essentials Cover, or Basics Cover. Consider extras like a Cruise Cover or Winter Sports Cover.
Get a Quote
Use the online tool on the World2Cover website to get a personalized quote.
Purchase the Policy
Complete the online application with your personal and trip details. Pay the premium to finalize your purchase.
Review Policy Documents
Read the Product Disclosure Statement (PDS) to understand the coverage, exclusions, and terms. Check your Policy Certificate and keep a copy.
Cancel Your Existing Policy (If Applicable)
Cancel your old policy following your insurer’s cancellation terms. Ask about possible refunds if within the cooling-off period.
Understand Cooling-Off Period
World2Cover offers a 14-day cooling-off period for a full refund if no claims have been made and the trip hasn’t started.
Maintain Continuous Cover
Ensure your new World2Cover policy starts right after your old one ends to avoid any coverage gaps.
Exclusions and Limitations of World2Cover Travel Insurance
Understanding the exclusions and limitations of World2Cover Travel Insurance is an important step to ensure that policyholders are aware of what is and isn’t covered. The section below outlines the key exclusions, policy limits, and important terms that could affect claim approvals.
Major Exclusions
| 🔎 Category | 📌 Details |
| 📉 Failure to Take Care | No cover for negligence-related losses |
| 📈 Known Circumstances | Excludes pre-known conditions or events at purchase |
| 📊 Travel Advisories | No cover for 'DO NOT TRAVEL' regions unless lifted pre-departure |
| 💹 High-Risk Activities | Excludes activities like base jumping, unroped climbing |
| 💱 War and Terrorism | Claims related to war or terrorist acts are excluded |
| 📉 Epidemics/Pandemics | Cover excluded unless specifically included (e.g., COVID-19 policy) |
| 📈 Cyber Incidents | No cover for cyber-related losses |
| 📊 Waiting Periods | Claims are subject to waiting periods as specified in the policy |
| 💹 Cooling-off Period | Full refund if canceled within 14 days with no claims made |
How Do I Contact World2Cover Travel Insurance Customer Support?
| 🔎 Service | ☎️ Contact Details | ⏰ Operating Hours |
| 📉 General Inquiries | Phone: 02 9225 7599, Email: [email protected] | Mon-Fri: 8:00 am-9:00 pm, Sat-Sun: 9:00 am-6:00 pm AEST |
| 📈 Claims Support | Phone: 02 9225 7599, Email: [email protected] | Mon-Fri: 8:00 am-9:00 pm, Sat-Sun: 9:00 am-6:00 pm AEST |
| 📊 Emergency Assistance | Overseas: +61 2 8055 1683 (24/7) | Available 24/7 |
| 💹 Online Claims Submission | Online platform (24/7 access) | 24/7 |
Customer Reviews
🥇 Disappointment with Hurricane Claim
I bought World2Cover’s top-tier travel insurance for my Florida trip. Unfortunately, Hurricane Dorian was predicted to hit before my departure. As suggested by World2Cover, I retained receipts and applied my judgment. The state’s urgency prompted me to cancel. My claim was dismissed after a protracted claims procedure since planes were still running. This disappointed me.
🥈 Positive Experience with Emergency Assistance
I was sick in Canada and needed an ambulance to the hospital. World2Cover quickly supplied the hospital documentation once my spouse called them. No upfront fees and the procedure was easy. This efficient management calmed a difficult situation.
🥉 Disappointment with Claim Response
I had a travel delay and damaged luggage after buying World2Cover’s top policy. Upon filing a claim, I was advised to pursue airline reimbursement. This answer was disappointing and unexpected.
How Do I Submit Feedback or Complaints?
World2Cover encourages policyholders to provide feedback or lodge complaints through different channels. A clear and structured process ensures that customer concerns are addressed promptly, with options for escalation if needed.
Steps to Submit Feedback or Complaints
Initial Contact
- Phone: Call (02) 9225 7599 to discuss concerns with a customer service representative.
- Email: Send detailed feedback or complaints to [email protected].
- Mail: Address complaints to GPO Box 4616, Sydney NSW 2001.
Escalation Process
If the initial response is unsatisfactory, the complaint is escalated to the Customer Complaints Team for further review. If unresolved within 30 days, the complaint can be referred to the Australian Financial Complaints Authority (AFCA).
Details to Include
- Policy number and contact information.
- A detailed description of the issue, including relevant dates and supporting documentation.
Contact the Australian Financial Complaints Authority (AFCA) for unresolved complaints, but only after you’ve exhausted all other avenues.
World2Cover Travel Insurance Awards and Recognition
World2Cover has consistently received awards for its travel insurance, demonstrating its commitment to providing high-quality, value-driven products. Key awards from Canstar and Mozo include the following:
Canstar Outstanding Value Award
- 2016-2019, 2022, 2023
- International Travel Insurance
- Seniors Travel Insurance
- Domestic Travel InsuranceCruise Travel Insurance
- Evaluate value based on cost and cover features, including overseas medical, hospital cover, and repatriation services. Products are assessed across different demographics and travel scenarios.
Mozo Awards
- 2018, 2019
- Travel Insurer of the Year, Exceptional Value Basic, Comprehensive, Annual, Cruise, Ski Travel Insurance
- Recognises insurers offering exceptional value and quality based on comprehensive policy assessments.
Who Should Consider World2Cover Travel Insurance?
World2Cover Travel Insurance is ideal for travelers regardless of their traveling plans. The section below outlines who can benefit most from the plans, focusing on traveler profiles such as international adventurers, frequent flyers, families, and those seeking adventure activity cover.
| 🔎 Traveler Type | 🅰️ Relevant Benefits | 🅱️ Recommended Plan |
| 🥇 International Travellers | Comprehensive overseas medical cover, emergency expenses, personal liability | Top Cover, Essentials, Basics |
| 🥈 Frequent Travellers | Multi-trip cover, unlimited number of trips per year, trip duration limits | Annual Multi-Trip |
| 🥉 Domestic Travellers | Cover for trip cancellations, emergency expenses, lost deposits | Domestic Single Trip |
| 🏅 Families | Inclusive policies for dependents under 25, multi-policy discounts | Top Cover, Essentials, Family Plans |
| 🎖️ Adventure Seekers | Optional cover for skiing, snowboarding, cruising | Top Cover with Adventure Add-ons |
World2Cover Travel Insurance vs Travel Direct Travel Insurance vs Budget Direct Travel Insurance – A Comparison
| 🔎 Provider | 🥇 World2Cover Travel Insurance | 🥈 Travel Direct Travel Insurance | 🥉 Budget Direct Travel Insurance |
| 🅰️ Plan Name | International and Domestic Single Trip, Annual Multi-Trip, Domestic Single Trip, Cruise Cover, Ski Cover | Domestic Travel Insurance, International Travel Insurance (The Works and The Basics), Annual Multi-Trip | Comprehensive, Essential, Basic, Domestic |
| 🅱️ Premium Range (Trip-Based or Annual) | Varies; starts from $59.18 on Basics to $239.71 on Domestic | From approximately $166 for single trips, varying based on cover and traveler age | Single-trip from $125.68/month; Multi-trip from $449.81/month for Essential |
| 📊 Cover Limits | Unlimited for medical expenses under Top Cover; specific limits for baggage and cancellations | Medical expenses up to $50,000, baggage up to $4,000, cancellation costs up to chosen limit | International Comprehensive up to $30,000 for certain benefits; Domestic up to $25,000 |
| 📈 Key Cover Areas | Medical Cover, Trip Cancellation/Interruption, Baggage Loss, Personal Liability, Emergency Evacuation | Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation | Medical, luggage/personal effects, cancellation/amendment, travel delay, rental vehicle excess |
| ❌ Exclusions | Pre-existing medical conditions and certain high-risk activities | Pre-existing medical conditions, certain high-risk activities, travel to countries with a "Do Not Travel" warning | Unlawful acts, high-risk sports, pre-existing conditions not disclosed, travel against advice |
| 📉 COVID-19 Cover | Covers trip cancellations, medical costs, and quarantine expenses related to COVID-19 | Cover for trip cancellations, medical costs, and related quarantine expenses due to COVID-19 | COVID-19 medical expenses, isolation costs up to $2,500, optional trip cancellation add-on |
| ❤️ Ideal For | Frequent travelers, budget-conscious travelers | Families, frequent travelers, groups, adventurers | Domestic and international travelers, family plans, adventure add-ons |
| 🏈 Adventure Sports Cover | Cover for most amateur sporting and adventure activities without additional cost | Snow sports, with specific add-ons for high-risk activities | Optional add-ons for motorcycle, moped, and snow sports cover |
| 🚨 Emergency Assistance | 24/7 emergency assistance is available for medical and non-medical support | 24/7 emergency medical assistance is available | 24/7 assistance with access to global medical providers |
| 📲 Digital Access and Mobile App | Online claims portal available; no native app or additional digital tools | No dedicated mobile app; an online portal for policy management and claims tracking | Online claims portal, no exclusive mobile app |
| 📍 Special Features | 24/7 emergency assistance, flexible plans, additional add-ons | Group discounts, community outreach, 24/7 emergency assistance, flexible plans, add-ons for sports and activities | Budget Direct Rewards, 15% discount online, $100 hotel gift voucher |
| ⏰ Average Claim Settlement Time | Response within 10 business days from the completed application | 10 business days, | 10 working days |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Extensive international medical cover | No cover for extreme sports like base jumping |
| Flexible policy add-ons (Cruise and Winter Sports) | Exclusions for pre-existing conditions not disclosed |
| 24/7 emergency assistance | Limited cover for mental health conditions |
| Online claims submission | High-risk activities are excluded |
| Cover for COVID-19-related cancellations | Cyber incident claims are excluded |
| Automatic inclusion of dependents under 25 | Claims for war and terrorism acts are not covered |
| Options to reduce excess | No cover for regions with a 'DO NOT TRAVEL' advisory |
| Comprehensive luggage and personal money protection | Restrictions on pregnancy cover beyond 25 weeks |
| Multi-policy discounts available | Claims for unlawful use of transport are excluded |
In Conclusion
World2Cover Travel Insurance is a strong choice for international and domestic coverage, offering flexible plans and 24/7 emergency assistance. Its Top Cover plan provides unlimited overseas medical expenses and optional add-ons like Cruise and Winter Sports Cover. Families benefit from automatic coverage for dependents under 25.
However, exclusions for high-risk activities and strict conditions for pre-existing health issues may limit its appeal for adventure seekers. The lack of a dedicated mobile app could be a downside for those who prefer on-the-go policy management.
Overall, World2Cover is ideal for international travelers, families, and those who value easy-to-use digital tools, though it may not be the best option for those with specific health or activity needs.
You might also like:
- Southern Cross Travel Insurance
- Tick Travel Insurance
- Travel Direct Travel Insurance
- World Nomads Travel Insurance
Frequently Asked Questions
Which types of travel insurance does World2Cover provide?
World2Cover covers worldwide and domestic single trips, annual multi-trips, cruises, and ski-related travel.
Can I include a cruise cover in my World2Cover policy?
Yes, you can. Cruise cover is an extra add-on that protects you against medical crises, missed port departures, and other cruise-related occurrences on international and domestic cruises.
How does World2Cover deal with pre-existing medical conditions?
Certain illnesses are automatically covered, while others require an examination. Just note that cover might be subject to extra premiums or exclusions.
