Top Cover

Considering purchasing comprehensive travel insurance for your upcoming trip? Good on ya! World2Cover’s top cover policy provides you with a comprehensive travel insurance package, without the price tag of many other insurers. Instead of worrying whether you have enough coverage for your holiday, our maximum level of cover allows you to focus on the important things in life, like planning new adventures with family and friends.

What is covered with comprehensive travel insurance?

When it comes to comprehensive travel insurance, World2Cover provides you with added peace of mind on a wide range of items. From cancellation fees and lost deposits to medical expenses, we have a level of cover for you.

Our new for old policy feature is one of the many uniquely offered experiences that allows us to stand out from the crowd. New for old means that we keep the same level of value of your damaged items intact. For example, if you’re entitled to a replacement of damaged luggage, we will replace it with brand new luggage^# up to the maximum amounts and specific limits of coverage. Please note that a pair or set of items is treated as one item (e.g. a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs or a drone with its camera).

Summary of covered items^#

• ^$Unlimited** Overseas medical and hospital expenses
• ^$Unlimited** emergency medical & evacuation expenses
• ^$Unlimited^^ cancellation fees & lost deposits^#
• ^$Unlimited^^ emergency expenses^#
• Cash in Hospital^# (up to $6,000)
• Overseas Dental^# (up to $2,000)
• Domestic pets^^#
• Domestic services^^#
• 24/7 global emergency assistance
• Travel agent fees
• Luggage^# loss, theft, damage or delayed 
• Travel documents & personal money
• Rental vehicle excess^#
• Accidental Death* & Funeral expenses Overseas*
• Legal liability^
• 38 pre-existing medical conditions including migraines and sleep apnoea^&
• Most amateur sporting and adventure activities are covered at no extra cost such as hot air ballooning and bungee jumping^&

Who does comprehensive travel insurance cover?

Comprehensive travel insurance offers coverage for both singles and families. Singles include one adult between the ages of 18 and 75 and their children and grandchildren. Family cover includes any two adults named on the policy travelling together and their children and grandchildren. Children and grandchildren^@ who are not working full-time and are under the age of 25 are automatically covered free of charge on the single and family comprehensive travel insurance package if named on the policy.

World2Cover top cover also provides coverage for domestic pets^#^. We consider pets to be a member of the family, so they deserve to be protected like family. With certain restrictions^∆, comprehensive travel insurance covers up to $650 if your pet suffers an injury during your journey and requires veterinary treatment (provided that at the time of injury your pet was in the care of a relative, friend or boarding kennel or cattery).

$25 for each 24-hour period in respect of additional boarding kennel or cattery fees for domestic dogs and cats owned by You, if You are delayed beyond Your original return date due to an event covered under this policy^&.

Cover is available to Australian residents under two conditions: your trip begins and ends in Australia and you purchase your policy ahead of your trip. Temporary residents^& may also obtain cover under certain stipulations, please refer to our Product Disclosure Statements.

How much does comprehensive travel insurance cost?

Travel insurance costs depend on a variety of factors. We take into consideration where you are travelling, for how long, the age of each adult traveller, and more. If you lodge a claim on our top travel insurance package, the standard excess is only $200 AUD or you can reduce your excess to $100 or $0 by paying extra. Excess is charged on per incident basis. Get personalised pricing with our instant quote button.

Cooling-off period and extending your cover

You are able to cancel your policy at no cost to you 21 days from the date of issue, provided the trip has not started and you don’t want to make a claim or exercise any other right under the policy. 

Your trip can be extended free of charge if your departure or return is delayed due to transportation (airline, rail, bus) or the delay is due to a reason you can claim under your policy. If you are travelling with your pet and delayed beyond your original return date due to an event covered under this policy, you can be reimbursed $25 for each 24-hour period of additional boarding kennel or cattery fees for domestic dogs and cats.

For more information on your policy, please visit the Product Disclosure Statements on our website.

Emergency expenses

World2Cover understands that circumstances happen out of your control. Our comprehensive travel insurance covers accommodations, meals and travel expenses^& if your trip is disrupted due to serious injury, death in the family, natural disaster, civil unrest or riots or other reason you can claim for under this section. Please visit the Product Disclosure Statements section 4 on our website.

&Terms, conditions and exclusions apply

Why choose World2Cover?

World2Cover offers specially designed levels of cover to fit your travel insurance needs and provide you peace of mind. We specialise in superior customer service, tailored travel insurance packages, and instant quotes. You have heaps of places to go, people to see, and adventures to experience. Take advantage of our unique packages because, as we know, you have the world to cover. Give us a call at 02 9225 7599 or get an instant online quote today!

@Children & grandchildren aged 25 & under are covered 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.

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.