Travel Medical Insurance

International travel medical insurance

Travel comes with many unforeseeable challenges. Medicare or your Australian private health insurance doesn’t cover sickness, injuries and other emergency situations when you are abroad, leaving you out of luck unless you obtain travel insurance including medical cover.

Travel medical insurance is a great option for those who wish to add an extra layer of protection and security to their trips. Travel insurance is available to any type of traveller, whether you are going on vacation, visiting family or travelling for business.

What is covered with international travel medical insurance?

Each World2Cover international travel insurance policy covers overseas medical expenses with ^$unlimited** cover for Medical on each level of cover including Annual Multi-Trip (AMT). Our international travel insurance policy also includes levels of cover for hospital and dentist visits, overseas funerals, and other emergencies. While this is included in each of our policies, the amount of coverage may vary between policies.

COVID-19 is not a medical condition that can be assessed. Our International Single Trip Top cover policy includes COVID-19 benefits^& as the 17^th November 2021.

**$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.

&Policy criteria and conditions apply.

Travel insurance with pre-existing conditions

Our policies also covers a wide range of pre-existing conditions such as migraine, gout, gastric reflux, diabetes& and asthma. Visit our Pre-Existing Medical Conditions informational page for a full list of the 38 covered pre-existing medical conditions.

We currently offer a limited amount of coverage for pregnancy. Single, non-complicated pregnancies are automatically covered. However, coverage is only provided for unexpected complications before the 26th week or childbirth accelerated by accidental injury before the 26th week. All other pregnancies require a health assessment to determine their coverage eligibility.

In case of a non-listed pre-existing medical condition you have the possibility to assess online your pre-existing medical condition for free or over the phone with one of our agents. An extra premium may apply or not depending of you condition. You can declare as many conditions as you want.

& Policy criteria and conditions apply

Who does travel medical insurance cover?

All travel medical insurance plans include cover for the adult travellers on the policy along with their children and grandchildren^@. To qualify, these children must be traveling with you, and cannot be over 25 or working full time.

@Children & grandchildren aged 25 & under go for free – provided they are financially dependent on their parents, not working full time, do not require a medical assessment and are travelling with you the whole time

How much does travel medical insurance cost?

Medical travel insurance is available within all World2Cover travel policies except our domestic policy. These policies may contain other areas of coverage in addition to the medical coverage, such as luggage, cancellations or loss of income.

These policies will all be tailored to fit your specific needs, meaning pricing may vary between applicants. Factors taken into consideration include destination(s), travel dates, ages of travellers and the policy you select. The only way to determine what you will pay for your medical insurance is to obtain an insurance quote.

Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) is the issuer of World2Cover Travel Insurance. The 'World2Cover Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording, is available here. Any financial advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.