Important Notice
Overseas medical cover is included with your international travel insurance. Compare the benefits available under each plan, see what's covered and understand what to expect before you travel.
Terms, conditions, limits, sub-limits, and exclusions apply. Please read the Product Disclosure Statement (PDS) to understand what is and is not covered.
Why choose World2Cover?
Travel supported by an award-winning travel insurance provider on your next journey.
Unlimited overseas medical and hospital expenses*
Emergency medical evacuation and repatriation
Overseas emergency dental treatment
24/7 emergency assistance
Existing medical condition assessments available
Compare overseas medical cover by plan
All international travel insurance plans include overseas medical cover. Compare the medical benefits available under each plan below.
| Benefits | Top cover (per adult) | Essentials cover (per adult) | Basics Cover (per adult) |
|---|---|---|---|
| Overseas Medical and Hospital Expenses | Unlimited* | Unlimited* | Unlimited* |
| Cash in Hospital | $6,000 | $3,500 | $1,500 |
| Overseas Dental | $2,000 | $2,000 | $500 |
| Funeral Expenses Overseas | $20,000** | $15,000** | $10,000** |
*Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusions apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by your treating doctor or our consulting medical officer. You must notify us as soon as possible of your admittance to hospital.
**These limits are per person listed in Your Certificate Of Insurance (COI)
Overseas medical and hospital expensesHelps pay for eligible medical treatment and hospital care if you become unexpectedly sick or injured while travelling overseas. It also includes emergency medical evacuation and returning you to Australia where medically necessary.
Cash in hospitalProvides a daily cash benefit if you're admitted to hospital overseas for more than 48 continuous hours, up to the limit of your chosen plan.
Overseas dentalHelps pay for dental injury as a result of an accident or dental pain resulting in emergency dental treatment overseas to relieve sudden and acute pain, up to your plan limit.
Funeral expenses overseasHelps pay eligible funeral expenses incurred overseas if you die during your trip, up to the limit of your chosen plan.
What's covered by overseas medical insurance?
The table below summarises the main medical benefits included with World2Cover international travel insurance, together with some of the key exclusions. Always refer to the Product Disclosure Statement (PDS) for full terms, conditions, limits, sub-limits, and exclusions.
| Covered | Not covered |
|---|---|
✓Medical treatment and hospital expenses if you become unexpectedly sick or injured while travelling overseas. ✓Emergency medical evacuation or transport to the nearest suitable medical facility when medically necessary. ✓Returning you to Australia if your medical condition or injury requires it. ✓Medical expenses for up to 12 months after you first receive treatment for your illness or injury. ✓Additional travel and accommodation expenses for your travelling companion or a close relative in certain medical emergencies. ✓Care for dependent children aged 16 or under if you're hospitalised, evacuated or die while travelling. ✓A daily cash in hospital benefit if you're admitted to hospital overseas for more than 48 continuous hours. ✓Dental injuries as the result of an accident. ✓Emergency dental treatment to relieve sudden and acute pain. ✓Funeral expenses overseas if you die during your trip. | ✗Existing medical conditions that aren't automatically covered or haven't been accepted following a medical assessment. ✗Medical or dental conditions that World2Cover has advised won't be covered. ✗Medical, hospital, dental or evacuation costs incurred in Australia. ✗Routine or non-emergency dental treatment. ✗Medical expenses incurred more than 12 months after you first receive treatment. ✗Injuries sustained while skiing or participating in winter sports unless you've added the ski and winter sports option. ✗Self-inflicted injuries. ✗Any other exclusions, conditions and limits set out in the Product Disclosure Statement (PDS). |
Existing medical conditions
Many travellers assume that having an existing medical condition means they won't be covered. That's not always the case.
World2Cover automatically covers a range of existing medical conditions under its international travel insurance policies, provided the policy requirements are met. If your condition isn't automatically covered, you may still be able to obtain cover by completing a medical assessment before you travel.
Automatically covered conditionsA wide range of existing medical conditions are automatically covered, so if your condition meets the eligibility criteria, you won't need to complete a medical assessment or pay an additional premium.
Conditions requiring a medical assessmentIf your condition isn't automatically covered, you can complete a medical assessment when you get a quote. If cover is available, any approved conditions will be shown on your Certificate of Insurance before you purchase your policy.
View Automatically Covered Medical Conditions & Assessments →Frequently Asked Questions
Yes. Overseas medical cover is included with World2Cover's international single trip and annual multi-trip travel insurance policies. The level of cover for some medical benefits varies depending on whether you choose Top, Essentials or Basics cover.
Yes. Overseas medical expenses arising from a COVID-19 diagnosis are covered, subject to the terms, conditions, limits, sub-limits, and exclusions set out in the Product Disclosure Statement (PDS).
Yes. If you're admitted to hospital overseas because of a covered illness or injury, eligible medical and hospital expenses are covered. Depending on your plan, you may also receive a cash in hospital benefit if you're hospitalised for more than 48 continuous hours.
Yes. If your illness or injury requires emergency medical evacuation or repatriation, these expenses may be covered when medically necessary and arranged in accordance with the policy.
Seek medical attention as soon as possible. If you're admitted to hospital or require emergency medical assistance, contact World2Cover's emergency assistance team as soon as reasonably practicable so they can help coordinate your care and explain the claims process.
This depends on the circumstances and the medical provider. For larger medical expenses or hospital admissions, contact World2Cover's emergency assistance team as soon as possible. They may be able to work directly with the treating hospital where appropriate.
Yes. Eligible overseas medical expenses may be claimed after your trip, provided they meet the policy terms and conditions. Keep copies of your medical reports, receipts and any supporting documents to help process your claim.
Yes. Medicare generally doesn't cover the cost of medical treatment or hospital care while you're travelling overseas. Travel medical insurance can help protect you against unexpected overseas medical expenses, subject to the policy terms and conditions.
Eligible overseas medical expenses may be covered for up to 12 months from the date you first receive treatment for your illness or injury, subject to the policy terms, conditions and exclusions.
If your treating doctor advises that you can't travel home because of a covered illness or injury, your policy may help cover additional expenses and your return to Australia, subject to the policy terms and conditions.
Depending on the circumstances, World2Cover may cover additional travel and accommodation expenses for your travelling companion or a close relative if you're hospitalised overseas, subject to the policy terms and conditions.
If medically necessary, your policy may cover emergency medical evacuation to the nearest appropriate medical facility or repatriation to Australia, where covered under the policy.
Keep copies of your medical reports, invoices, receipts and any other documents relating to your treatment. These will help support your claim when you return home or when requested by World2Cover.
If you require emergency medical treatment, seek medical help immediately. If you're admitted to hospital or need emergency medical assistance, contact World2Cover's emergency assistance team as soon as reasonably practicable so they can help coordinate your care and explain the next steps.
All three plans include unlimited* overseas medical and hospital expenses. The main differences are the benefit limits for related medical benefits like cash in hospital, overseas dental and funeral expenses overseas, plus the level of cover provided across other sections of the policy. Use the comparison table above to compare the available limits.
Which policy is right for you?
Whether you're planning a single overseas holiday or travelling several times a year, World2Cover has an international travel insurance policy that includes overseas medical cover.
International single tripIdeal if you're taking one overseas holiday. Choose from Top, Essentials or Basics cover depending on the level of protection you need.
Annual multi-tripA convenient option if you travel overseas more than once a year. Enjoy overseas medical cover for multiple trips under a single annual policy, subject to your chosen plan.
Terms, conditions, limits, sub-limits and exclusions apply. Please read the Product Disclosure Statement (PDS) to understand what is and is not covered.
* $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusion apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by your treating doctor or our consulting medical officer. You must notify us as soon as possible of your admittance to hospital.
