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If you’ve well and truly caught the travel bug, you’d be more than likely to visit more than one country this year. Or maybe you are going to visit a large number of countries on a massive around the world trip (lucky you!).

If that’s the case, you’ll need to consider purchasing a worldwide travel insurance policy that covers every country that you’re planning to visit.

What is Worldwide Travel Insurance?

Worldwide travel insurance is a policy that provides cover on a global scale. However, there are some exceptions, such as countries that are subject to an official Australian government warning (e.g. “reconsider your need to travel” or “Do Not Travel”).

What are the benefits?

The main benefit and best thing about purchasing travel insurance for worldwide coverage is flexibility – so you can keep your travels spontaneous and know that you’re covered at the same time.  And you can decide where to go on the run which gives you the freedom to visit places we cover when you want.

What Does It Cover?

You can select the ‘Worldwide’ option for our Basic, Essentials, Comprehensive and Multi-trip travel insurance plans – which provides differing levels of cover depending on your budget.

The Worldcare Travel Insurance Comprehensive Plan offers the highest cover levels with optional add on packs based on the activities you may be undertaking – such as the Snow Pack, Cruise Pack and Golf Pack. There are also options to increase specific item limits. In addition, the Worldcare Multi-Trip Plan (or Annual Plan) provides cover for multiple journeys over a year and you can choose from three trip lengths.

For those on a budget, the Basic Plan covers personal liability, overseas emergency medical, hospital and dental costs, and overseas emergency assistance. Our Essentials Plan provides all of the cover of Basic, plus a little more including some cancellation and other expenses.

You can view a summary of our plans and their benefits at our What is Covered and What’s Not page – for a detailed listing, please refer to the Worldcare Travel Insurance Product Disclosure Statement.

To be eligible for one of these Worldcare Travel Insurance plans, your trip needs to depart and return to Australia. You also need to be an Australian resident.

Steps to make sure you are covered on a Worldwide Travel Insurance policy

When filling out the Worldcare Travel Insurance quote fields, you will be asked what country or countries you will be travelling to. If you’re going to multiple places or are unsure of which places you are visiting at the time of purchase, choose ‘Worldwide’.

Before you set off, make sure you have the right policy and that it covers every country you’re going to visit. There is no use claiming on an incident in Bali when you’re only covered for Europe.

And while your coverage is ‘worldwide’ there are some countries that are excluded from coverage – check the Smartraveller website to see the latest travel alerts and warnings.

What Is Multi Trip Travel Insurance?

Multi-trip travel insurance is a 12-month policy with the benefits of our Comprehensive cover. This covers you for multiple trips in and out of Australia. The maximum journey period for any one trip is 15 days, 30 days or 45 days. You can select the ‘Worldwide’ option when purchasing a policy.

The benefits of multi-trip travel insurance are that you can go overseas whenever you wish without having to buy a separate travel insurance policy each time.

Considerations of Worldwide and/or Multi-trip Travel Insurance

Before you head overseas on your big adventure, there are a number of loose ends you need to tie up before stepping on the plane:

  • Get a health check. As you should normally, see your doctor to have a general examination to see if you need to have anything investigated or treated before your big trip
  • Check your vaccinations. If you’re going to some places in Africa and South America, you may need a Yellow Fever vaccine and associated documentation to enter and exit affected countries
  • Housekeeping – make sure you can arrange to have your bills paid while you’re away, or set up direct debits for this to take care of itself!
  • Safety first – especially if you’re going off the beaten track, organise a medicine kit with prescription medicines as backup in case you experience common travel illnesses like stomach upsets
  • Budget – make sure you’ve set aside enough money to cover your entire trip. One good way to do this is have a set budget per day for the amount of time you’re away, and then contribute to a separate savings account regularly. Then stick to your budget when you’re away
  • Visas – you don’t want to turn up to a border post or airport and be refused entry. Check to see if you need to apply any visas before arriving in the countries you wish to visit
  • Money – bring a number of sources like debit cards, credit cards, and cold hard cash – preferably US dollars, just in case you get stuck
  • Things to bring – the most important thing you’ll need is your passport. You can always buy everything else as you need, but don’t overpack!

What If I Need To Make A Claim On My Worldwide Trip?

If for some reason that you need to make a claim on your big trip overseas, notify Worldcare Travel Insurance immediately with one phone call, and lodge a claim form at www.travelclaims.com.au.

See more at our Lodge a Claim page.

Don’t forget to read the policy wording at the Worldcare Travel Insurance Product Disclosure Statement so that you understand what is covered and what you need to do in the event of a claim.

Otherwise, enjoy your big trip!

Worldcare Travel Insurance by Allianz Global Assistance offers Budget Travel Insurance, Essentials Travel Insurance, Comprehensive Travel Insurance and Multi Trip Travel Insurance for your trip overseas, and Domestic Travel Insurance for your trips within Australia. Get a quote from Worldcare today!

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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.