Overseas Emergency Assistance

Worldcare is part of the Allianz Group. We have access to a global network of medical experts to assist you if things go awry when you are away from home.

Overseas Medical & Hospital Cover

Our Comprehensive travel insurance is designed to cover you when you're injured, sick or need urgent medical treatment when travelling overseas*.

Optional Cover Extras

For an additional cost, you may be eligible to include cover for additional activities, increase the limits that apply to valuables or vary the base excess on your Comprehensive, Multi-trip or Domestic policy.

24/7 Emergency Call Centre

If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available.




The war in Israel may affect your policy coverage for travel to Israel and neighbouring countries. Check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination. 

What is travel insurance and how does it work?

Travel Insurance is a way of insuring yourself against those unexpected mishaps that can pop up on holiday and cost you money. If something goes awry on your trip, you can make a claim and if it’s covered by your policy, you may be entitled to be reimbursed for all or part of the cost (subject to any excesses that may apply).


What does Worldcare offer?

PLEASE NOTE: The below is a summary only. *Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

Pre-existing Medical Conditions

We cover a large number of pre-existing medical conditions. Simply complete our medical assessment in order to apply for cover for your pre-existing medical condition*. Additional premiums may apply.

Why choose Worldcare Travel Insurance?

A name you can trust

We’ve been helping Aussie travellers for more than 35 years, and our policies are underwritten by Allianz Australia Insurance Limited.

Flexibility, choice, and great value

Our Comprehensive, Multi-Trip and Domestic plans allow you to choose the level of cancellation cover you need as well as the option to increase the cover on valuable items you may wish to take with you.*  We also provide the option to vary the excess you pay if anything goes wrong when travelling.

We are Global

Through our global support network, we have medical experts ready to help when the need arises.

Let us take Worldcare of you

At Worldcare we arrange your insurance, answer any questions you have, provide emergency medical assistance, and help with your claim.



Frequently Asked Questions

When travelling overseas, travel insurance can be especially important. Our Comprehensive and Multi-Trip policies are designed to provide cover for:*

  • overseas emergency medical bills
  • emergency assistance
  • cancellations or delays to your trip outside of your control
  • stolen or lost luggage
  • many other unfortunate situations

*The above is a summary only.  Please refer to the Product Disclosure Statement for full terms, conditions, exclusions, limits and applicable sub-limits.



Lost or stolen luggage, cancellations and delays or an accident in your hire car could all leave you out of pocket and these are just some of the things Worldcare Domestic travel insurance is designed to cover*.

Read more about Domestic Travel Insurance.

*Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

The cost of your policy is called a 'premium'. You will be advised of the premium that is payable for your policy when you apply. This will also be shown on your Certificate of Insurance. The premium amount will depend on a number of factors and is calculated based on:

  • your risk profile - we work this out using a number of factors such as your travel destination(s), the length of your journey, the amount and type of cover you require, the number of people insured under the policy and their ages, the time between the date you purchase your policy and the start date of your journey, the pre-existing medical condition(s) of the people insured under the policy and the likelihood of a claim being made on your policy.
  • any discounts that may apply
  • any government charges we pay, such as Stamp Duty and GST
  • any other charges we tell you about
  • the excess you choose

It’s a good idea to compare travel insurance quotes to ensure you are getting coverage that suits your needs.

That’s up to you. When buying a policy for a single trip you’ll be asked the start and end date of your journey.

You can also purchase annual travel insurance known as a Multi-Trip policy. This is designed to cover multiple journeys during a 12 month period, up to your nominated maximum journey period of 15, 30 or 45 days.

Read more about Multi-Trip Insurance.

Travel insurance exclusions are circumstances, activities, items or equipment that an insurer will not provide cover for. That means you are responsible for any costs incurred due to an excluded incident or related to an excluded item.

Exclusions are listed in the Product Disclosure Statement of a travel insurance policy.

Travel insurance excess is the amount which will be deducted from any claim paid to you under the sections of your policy to which an excess applies. Some policies allow for a base excess to be increased (which lowers the premium you have to pay) or decreased (which increases your upfront premium).

You will be advised which options are available to you at the time you purchase your policy.
In some circumstances Worldcare may impose a medical excess for claims arising from certain medical conditions.

We will inform you in writing if any additional excess applies.

Snow and adventure packs have an excess of $500 per pack in addition to your chosen base excess, which can't be changed or removed.  This excess relates to Overseas Medical & Hospital Expenses or Cancellation claims arising from your participation in snow sport or adventure activities.

There may also be other benefits that have an excess that applies.

Please refer to the Product Disclosure Statement for full details.

A pre-existing medical condition is a condition, including a dental condition or mental illness, of which you were, or a reasonable person in your circumstances should have been, aware of at the time of issue of the Certificate of Insurance, and including certain conditions up to two years prior (see the Product Disclosure Statement for full details).

Worldcare Travel Insurance includes some pre-existing medical conditions that we cover at no extra cost, subject to acceptance under the below assessment process. 

In order to get cover for your pre-existing medical conditions (including those which we cover without additional charge), when getting a quote, if you click ‘Yes’ to ‘Pre-existing medical condition?’ our online medical assessment tool will guide you through the assessment process. You should also check the definition of pre-existing medical condition in the Product Disclosure Statement to see if you have a pre-existing medical condition. If you are still unsure, please contact us.

If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions limits and applicable sub-limits listed in the Product Disclosure Statement.

Call emergency services immediately if your condition is life threatening.

For emergency assistance, Allianz Global Assistance is only a telephone call away. Allianz Global Assistance is available 24 hours a day, 7 days a week.

If you are in Australia, simply dial 1800 010 075

For all other countries, dial +61 7 3305 7499.

Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Please note that Allianz Global Assistance will not pay for any hospital or medical costs incurred in Australia.

Allianz Global Assistance is a supplier of travel insurance and medical assistance. The Allianz Global Assistance Australian headquarters is located in Brisbane City, Queensland.

The purpose-built Global Response Centre is an environment that operates 24 hours, 365 days a year, and is supported by sophisticated telecommunications and information technology systems.

You can submit a claim upon your return to Australia or while still on your trip. You can lodge a claim online 24 hours a day at www.travelclaims.com.au.

If you have received medical treatment as an outpatient while overseas and the costs are less than $2,000, you would normally pay for the treatment, obtain a medical report from the treating doctor and keep all medical receipts and associated expenses to lodge your claim on your return home.

At any time, you can call the 24/7 Worldcare team for advice regarding this process.

If the treatment is likely to exceed $2,000, then you should contact us as soon as possible. Our team will support you through the process of lodging your claim while you are travelling.

The team will be able to speak with the medical facility to explain the requirements of the claim process in order to confirm cover. We may be able to authorise payment directly to the facility for you.

Please call us on 1800 440 806 (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at TravelHelpdesk@allianz-assistance.com.au

If you cancel within 14 days of your Certificate of Insurance being issued, provided you have not started your journey and have not made a claim or do not intend to make a claim you will be refunded the full premium paid.

If you wish to cancel your policy more than 14 days after your Certificate of Insurance is issued, provided you have not started your journey and have not made a claim or do not intend to make a claim we will calculate a partial refund of the premium you paid.

Refer to the cooling-off period section of the Product Disclosure Statement

If a COVID-19 border closure or mandatory quarantine period prevents you from travelling, or requires you to shorten your journey while travelling, you may be entitled to receive a partial or full premium refund.  Please refer to the Product Disclosure Statement for more details.

Please note, eligibility criteria applies.

If you have any questions please call us on 1800 440 806 (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at TravelHelpdesk@allianz-assistance.com.au

Worldcare Travel Insurance offers cover under selected benefits if, during your period of cover, you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and you have not travelled against the advice of an Australian government. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

PLEASE NOTE: there is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by an Australian government or a reliable mass media source.

You can always make a claim for consideration.  All claims for cancelling, shortening or rescheduling due to an epidemic or pandemic, such as COVID-19, will be assessed in accordance with the facts and circumstances of your claim and the terms, conditions, limits and exclusions of your policy.

There is no cover under any benefit of this policy if your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:

Before purchasing travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).  Please note, this also applies even if the Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip! Subscribe to Smartraveller to receive travel alerts and advisory updates via email.

Refer to the General Exclusions in our Product Disclosure Statement for a full list of exclusions.