What’s Covered With Worldcare Travel Insurance

Worldcare offers a range of travel insurance options, starting from our Basic cover, moving to our Essentials offerings and finishing with our Comprehensive travel insurance.

If you are thinking of travelling multiple times in the same year then take a look at our Multi-Trip travel insurance, and if you are planning on travelling around Australia then see our Domestic travel insurance.

What's covered for International Travel Insurance?

The table below is a summary only and reflect the maximum amount that we will pay for a single plan. Terms, conditions, limits and exclusions apply. Sub-limits apply to particular types of losses or claims. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section. The amounts listed below are the most we will pay in total for all claims under each section.

BenefitsBasicEssentialsComprehensiveMulti-Trip
Overseas Emergency Assistance*

Sub-limits:
Funeral expenses incurred overseas or the cost of bringing your remains back to your home [per person]

Unlimited~ 


$15,000
Unlimited~ 


$15,000
Unlimited~ 


$15,000
Unlimited~ 


$15,000

Overseas Emergency Medical & Hospital Expenses*
(Includes emergency dental expenses resulting from an injury overseas)

Sub-limits:
Overseas Emergency Dental Expenses [per person] (for the relief of sudden and acute pain to sound and natural teeth)

Unlimited~ 


$1,000
Unlimited~ 


$1,000
Unlimited~ 


$1,000
Unlimited~ 


$1,000

Accidental Death*

Sub-limits:
Accompanying dependant - $5000

- - $25,000 $25,000

Permanent Disability*

Sub-limits: 
Accompanying dependant - $5000

- - $25,000 $25,000

Hospital Cash Allowance*

Sub-limits: 
Daily Limit (applies after the first 48 hours)

- -

$5,000

($50 per day)

$5,000

($50 per day)

Loss of Income*

Sub-limits: 
Weekly Limit

- -

$10,400

(up to $400 per week)

$10,400

(up to $400 per week)

Cancellation*

Sub-limits:
Travel Agents Cancellation Fees
Relatives with a Pre-existing Medical Condition

- $20,000


$1,500
$2,000
Unlimited~ 


$1,500
$2,000
Unlimited~ 


$1,500
$2,000

Additional Expenses*

Sub-limits: 
Resumption of Journey - $3,000
Relatives with a Pre-existing Medical Condition - $2,000

- $25,000 $50,000 $50,000
Travel Delay Expenses*

Sub-limits:
Daily Limit

- $2,000


(up to $200 per day)
$2,000


(up to $200 per day)
$2,000


(up to $200 per day)
Alternative Transport Expenses - - $5,000 $5,000
Return Airfare - $2,000 $3,000 $3,000

Domestic Services*

Sub-limits: 
Daily Limit - $50 per day

- - $500 $500

Domestic Pets*

Sub-limits: 

Daily Limit - $25 per day
Veterinary fees - $500

- - $500 $500
Luggage & Personal Effects*

Sub-limits:

Personal computers,video recorders or cameras (per item)
Mobile phones (per item)
All other unspecified items (per item)
Luggage and personal effects left in a concealed storage compartment of a locked motor vehicle during daylight hours (limit of $200 per item applies)

- $5,000

$3,000

$1,000

$750

$2,000

$10,000

$3,000

$1,000

$750

$2,000

$10,000

$3,000

$1,000

$750

$2,000

Luggage & Personal Effects Delay Expenses* - $250 $500 $500
Travel Documents, Transaction Cards & Travellers Cheques - - $5,000 $5,000
Theft of Cash - - $250 $250
Rental Vehicle Excess*

Sub-limits:
Return of Rental Vehicle

- $3,000


$500
$3,000


$500
$3,000


$500
Personal Liability $2,500,000 $2,500,000 $2,500,000 $2,500,000

*Sub-Limits apply. ~ Where used, the term "Unlimited" only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the Product Disclosure Statement. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

Additional Options

The table below is a summary only and reflect the maximum amount that we will pay for a single plan. Terms, conditions, limits and exclusions apply. Sub-limits apply to particular types of losses or claims. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section. The amounts listed below are the most we will pay in total for all claims under each section.

BenefitsComprehensiveMulti-Trip
Snow and Skiing
Emergency Rescue* (not available in Australia) - $100,000 $100,000
Funeral expenses incurred overseas or the cost of bringing your remains back to your home [per person] - - $15,000 $15,000

Own Snow Sport Equipment*

Sub-limit:

Snow sport equipment left in a concealed storage compartment of a locked motor vehicle during daylight hours (limit of $200 per item applies, $1000 in total)

- - $2,000 $2,000
Snow Sport Equipment Hire - - $2,000 $2,000
Snow Sport Pack - - $1,000 $1,000

Piste Closure*

Sub-limits:

Daily Limit

-

-

$1,000

(up to $100 per day)

$1,000

(up to $100 per day)

Bad Weather & Avalanche Closure - -

$1,000

(up to $100 per day)

$1,000

(up to $100 per day)

Cruise

Medical cover while cruising*

(includes emergency dental expenses resulting from an injury while cruising)

Sub-Limits:

Emergency Dental Expenses (per person) - $1000

- - Unlimited~ Unlimited~

Evacuation cover - ship to shore*

Sub-limits:

Funerals/cremation Overseas and/or bringing your remains home (per person) - $15,000

- - Unlimited~ Unlimited~

Cabin confinement*

Sub-limits:

Daily Limit (benefit applies after the first 48 hours)

-

-

$500

($50 per day)

$500

($50 per day)

Pre-paid shore excursion cancellation - - $1,000 $1,000
Formal cruise attire lost or damaged* - - $1,000 $1,000
Formal cruise attire delayed - - $250 $250

Marine Rescue Diversion*

Sub-limits:

Daily Limit 

-

-

$500

($100 per day)

$500

($100 per day)

Golf Option

Own Golf Equipment*

Sub-limit:

Golf equipment left in a concealed storage compartment of a locked motor vehicle during daylight hours (limit of $200 per item applies, $1000 in total)

- - $2,000 $2,000
Golf Equipment Hire - - $1,500 $1,500
Golf Green Fees - - $500 $500
Hole in One - - $250 $250

*Sub-Limits apply. ~ Where used, the term "Unlimited" only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the Product Disclosure Statement. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

What's covered for Domestic Travel Insurance?

The table below is a summary only and reflect the maximum amount that we will pay for a single plan. Terms, conditions, limits and exclusions apply. Sub-limits apply to particular types of losses or claims. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details. In particular, please read the Pre-existing Medical Conditions section. The amounts listed below are the most we will pay in total for all claims under each section.

BenefitsDomestic
Overseas Emergency Assistance*

Sub-limits:
Funeral/cremation Overseas and/or bringing your remains home (per person)

-
Overseas Emergency Medical & Hospital Expenses*

Sub-limits:
Emergency Dental Expenses (per person)

-

Accidental Death*

Sub-limits:

Accompanying dependant - $5000

$25,000
Permanent Disability* -
Hospital Cash Allowance* -
Loss of Income* -
Cancellation*

Sub-limits:
Travel Agents Cancellation Fees
Relatives with a Pre-existing Medical Condition

Unlimited~ 


$1,500
$2,000
Additional Expenses*

Sub-limits:
Resumption of Journey
Relatives with a Pre-existing Medical Condition

$25,000


$3,000
$2,000
Travel Delay Expenses*

Sub-limits:
Daily Limit

$2,000


(up ot $200 per day)
Alternative Transport Expenses -
Return Airfare -
Domestic Services* -
Domestic Pets* -
Luggage & Personal Effects*

Sub-limits:
Personal computers,video recorders or cameras (per item)
Mobile phones (per item)
All other unspecified items (per item)
Luggage and personal effects left in a concealed storage compartment of a locked motor vehicle (limit of $200 per item applies)

$10,000


$3,000
$1,000
$750
$2,000
Luggage & Personal Effects Delay Expenses* $500
Travel Documents, Transaction Cards & Travellers Cheques -
Theft of Cash $250
Rental Vehicle Excess*

Sub-limits:
Return of Rental Vehicle

$3,000


$500
Personal Liability $2,500,000

*Sub-Limits apply. ~ Where used, the term "Unlimited" only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the Product Disclosure Statement. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

Other Travel Insurance Information

Travel Insurance By Country

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Coverage details for

Adventure Cover

We cover a range of adventure activities in most destinations you're likely to visit.

Adventure Cover

We cover a range of adventure activities in most destinations you're likely to visit.

More info
Cruise Cover

Great cover for international and Australian cruises.

Cruise Cover

Great cover for international and Australian cruises.

More info
Ski Trip Cover

Covers your equipment, piste closure, emergency rescue and more.

Ski Trip Cover

Covers your equipment, piste closure, emergency rescue and more.

More info
Cover for Domestic travel

Check out our cover for travelling through Australia.

Cover for Domestic travel

Check out our cover for travelling through Australia.

More info
Multi-Trip Cover

Travelling more than once in a year? See our Multi-trip cover option.

Multi-Trip Cover

Travelling more than once in a year? See our Multi-trip cover option.

More info
Medical Conditions

See our cover for a range of pre-existing medical conditions.

Medical Conditions

See our cover for a range of pre-existing medical conditions.

More info
Seniors Cover

View our cover for seniors and see what we offer.

Seniors Cover

View our cover for seniors and see what we offer.

More info
Budget Cover

Competitively priced cover with all the must-haves.

Budget Cover

Competitively priced cover with all the must-haves.

More info

Coverage details for

We cover a range of adventure activities in most destinations you're likely to visit.

See details

Great cover for international and Australian cruises.

See details

Covers your equipment, piste closure, emergency rescue and more.

See details

Check out our cover for travelling through Australia.

See details

Travelling more than once in a year? See our Multi-trip cover option.

See details

See our cover for a range of pre-existing medical conditions.

View our cover for seniors and see what we offer.

See details

Competitively priced cover with all the must-haves.

See details

Worldcare Travel Insurance: Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Terms, conditions, limits and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial status or needs. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.

Worldcare Emergency Home Assistance: Terms, conditions, limits and exclusions apply. See Worldcare Emergency Home Assistance Terms & Conditions for details. Worldcare Emergency Home Assistance is provided by AWP Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Global Assistance.