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Worldcare Travel Insurance : Build your own policy with Select A Benefit

At Worldcare, it is our priority to give you flexible options and competitive prices, which is why we created the "Select-A-Benefit" tool, although if you prefer simpler choices, review our Standard Policy Options.

You should make sure you read the Combined Financial Services Guide and Product Disclosure Statement (Including Policy Wording) to ensure the policy terms and conditions are right for you.

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Our regions are broken down into four categories:
Worldwide: Any journey including USA, Japan, the Middle East, Africa or where you travel across multiple regions
Europe: All European destinations, such as Italy, France, Spain, UK
Asia: All Asian countries excluding Japan (China, Thailand, Vietnam, Singapore, India)
Pacific: S.W. Pacific travel, including NZ, Papua New Guinea, Fiji, Bali and Norfolk Island
Australia Only: if you are not leaving Australia.
Cover for cancellation fees and lost deposits for pre-paid travel arrangements cancelled due to unforseen circumstances neither expected nor intended by you and which are outside your control, such as: Important! For a complete overview please read the Summary of Benefits.
Cover for cancellation fees and lost deposits for pre-paid travel arrangements cancelled due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as: Important! For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 2A: Overseas Emergency Medical and Hospital Expenses.
Cover for emergency medical treatment if you are injured or become sick overseas, including: Section 2B: Overseas Emergency Medical Assistance, Medical Evacuation or Funeral Expenses
Cover for emergency medical assistance including: Section 2C: Hospital Cash Allowance
An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours.
Important! Sub-Limits apply to this Benefit Group. The Sub-Limits are fixed and do not change when you adjust the slider. For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 3A: Luggage and Personal Effects
Cover for replacing luggage stolen, or reimbursing repair costs for accidentally damaged items, including:
Section 3B: Travel Documents, Credit Cards & Travellers Cheques
Cover to replace costs of travel documents lost or stolen from you during your journey, such as:
Section 3C: Theft Of Cash
Cover for the following items stolen from your person, up to $250 for all claims combined:
Section 3D: Luggage and Personal Effects Delay Expenses
Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or replaced by your carrier for more than 12 hours.

Important! Sub-Limits apply to this Benefit Group. The Sub-Limits are fixed and do not change when you adjust the slider. For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 3A. Luggage and Personal Effects
Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:
Important! Sub-Limits apply to this Benefit Group. The Sub-Limits are fixed and do not change when you adjust the slider. For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 4A: Additional Expenses
Cover for additional accommodation and travel expenses caused by your health problems or someone elses, resulting from:
Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:
Section 4B: Travel Documents Delay Expenses
Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Section 4C: Alternative Transport Expenses
Cover for additional travel expenses following transport delays to reach events such as:
Important! Sub-Limits apply to this Benefit Group. The Sub-Limits are fixed and do not change when you adjust the slider. For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 4A. Additional Expenses
Cover for additional accommodation and travel expenses caused by your health problems or someone else’s resulting from:
Also cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from:
Section 4B. Travel Documents Delay Expenses
Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Important! Sub-Limits apply to this Benefit Group. The Sub-Limits are fixed and do not change when you adjust the slider. For a complete overview please read the Summary of Benefits. . .
This Benefit Group includes:
Section 5A: Accidental Death Sum Insured: $25,000
A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey, within 12 months of that injury.
Section 5B: Permanent Disability Sum Insured: $25,000
A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey.
Section 5C: Loss Of Income Sum Insured: $10,400
A weekly Loss of Income benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days.
Section 5D: Personal Liability Sum Insured: $5,000,000
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons, as a result of a claim made against you.
Section 5E: Rental Vehicle Sum Insured: $3,000
Cover for car excess payable on Motor Vehicle Insurance, resulting from your vehicle being:
  • Stolen
  • Crashed
  • Damaged
  • And/or cost of returning rental vehicle due to you being unfit.
Section 5F: Domestic Pets Sum Insured: $500
Cover for additional boarding and kennel or cattery fees resulting from your delayed return home. Also veterinary fees if your pet is injured whilst you are away.
Section 5G: Domestic Services Sum Insured: $500
Cover for house keeping services following injury / disablement continuing upon your return home.

Important! Sub-Limits apply to this Benefit Group. For a complete overview please read the Summary of Benefits.
This Benefit Group includes:
Section 5A: Accidental Death Sum Insured: $25,000
A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey, within 12 months of that injury.
Section 5D: Personal Liability Sum Insured: $5,000,000
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons, as a result of a claim made against you.
Section 5E: Rental Vehicle Sum Insured: $3,000
Cover for car excess payable on Motor Vehicle Insurance, resulting from your vehicle being:
  • Stolen
  • Crashed
  • Damaged
  • And/or cost of returning rental vehicle due to you being unfit.
Section 5F: Domestic Pets Sum Insured: $500
Cover for additional boarding and kennel or cattery fees resulting from your delayed return home. Also veterinary fees if your pet is injured whilst you are away.
Section 5G: Domestic Services Sum Insured: $500
Cover for house keeping services following injury / disablement continuing upon your return home.

Important! Sub-Limits apply to this Benefit Group. For a complete overview please read the Summary of Benefits.
You can select your excess by using the slider. An excess is the amount that we will first deduct when paying any claim, therefore if you choose $0, there will be no deductible on your insurance policy.
For all travel destinations (except Australia), an excess applies to Sections 1, 2, 3, 11, 15 and 16. There is no excess applicable to any other sections. Please note that if you select Australia Only as your travel destination, there is no excess applicable on any section of your policy.