Important Notice
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Types of International Cover
Not every trip needs the same level of protection. World2Cover offers three levels of cover for international travel, allowing you to review and see if you can choose the options available for destination, travel plans and budget. Compare the key differences between World2Cover plans below.
Basics cover provides coverage for international travel, including overseas medical cover and a range of core travel insurance benefits. It might be a practical option for travellers looking for straightforward cover.
Explore Basics Cover →Essentials cover offers a balance of cover and value, with higher benefit limits than Basics cover across many sections of the policy. It might be ideal for travellers seeking broader coverage without choosing the highest level of cover.
Explore Essentials Cover →Top cover provides the highest level of cover available, with the most comprehensive benefit limits across many policy sections. It's designed for travellers who might be looking for greater financial protection for unexpected events before and during their trip.
Explore Top Cover →Compare what's included
This table only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Legend:
+++ Highest level of cover
++ Enhanced cover
+ Essential cover
– Not included
| Benefit | Top cover | Essentials cover | Basics cover |
|---|---|---|---|
| Cancellation | +++ | ++ | – |
| Overseas Medical | +++ | +++ | +++ |
| Overseas Dental | +++ | ++ | + |
| Luggage and Personal Effects | +++ | ++ | + |
| Emergency Expenses | +++ | ++ | + |
| Travel Delay | +++ | ++ | – |
| Rental Vehicle Excess | +++ | ++ | – |
| Personal Liability | +++ | +++ | +++ |
| Accidental Death and Disability | +++ | ++ | – |
| Financial Default | +++ | – | – |
This comparison applies to our international single trip plans. If you're travelling within Australia or take multiple overseas trips each year, explore our domestic single trip and annual multi-trip travel insurance options to find the cover that meets your requirements.
Optional cover you can add
Some trips may require extra protection beyond the standard benefits included with your policy. World2Cover offers optional cover for specific travel plans and circumstances, giving you the flexibility to select travel insurance options aligned with your needs. Eligibility criteria, terms, conditions and additional premiums may apply.
Planning a cruise? Add additional cruise benefits to your policy for cover designed specifically for cruise holidays, including benefits such as cabin confinement, missed ports, missed shore excursions and marine rescue diversion.
Explore Cruise Cover →If you're heading to the slopes, and your cover offer the option consider adding ski and winter sports cover to help protect against ski-specific risks, including cover for hired equipment, piste closure, ski packs and other winter sports benefits.
Explore Ski & Winter Sports Cover →Some existing medical conditions are automatically covered under a World2Cover Travel Insurance policy, while others may require assessment and approval before you travel. If you have an existing medical condition, it's important to understand your cover options before purchasing your policy.
Learn About Existing Medical Conditions →What's not covered?
Travel insurance is designed to help protect you against unexpected events, but there are situations where cover won't apply. Some of the most important exclusions include:
- Known events or circumstances that you were aware of before buying your policy and that could reasonably be expected to affect your trip.
- Travelling against official government advice, including destinations where the Australian Government has issued a 'Do Not Travel' warning in the circumstances outlined in the PDS.
- Losses caused by not taking reasonable care, such as leaving your belongings unattended or putting yourself in a situation where damage, theft or injury was reasonably foreseeable.
- Certain epidemics, pandemics and infectious diseases, except where cover is specifically provided under the policy.
- Claims arising from activities or situations specifically excluded by the policy, including some high-risk sports and activities.
- Existing medical conditions that aren't automatically covered or haven't been accepted by World2Cover, where assessment is required.
- Cruises or ski and winter sports, unless you've selected the relevant optional cover where required.
Some benefits also have their own specific conditions, limits, sub-limits, and exclusions. Always read the Product Disclosure Statement (PDS) before purchasing your policy.
What to consider when choosing a travel insurance policy?
Choosing a travel insurance policy depends on where you're travelling, how often you travel and the type of activities you're planning. Consider the questions below to help choose the policy for your trip.
Step 1: Where are you travelling?If you're travelling overseas, compare the available levels of international cover to find the one that suits your destination and travel plans. If you're travelling within Australia, consider domestic single trip cover, which is designed for travel within Australia.
Step 2: How often do you travel?If you take multiple overseas holidays each year, annual multi-trip cover may provide a more convenient alternative to purchasing a new policy for every trip. If you're planning one holiday, international single trip cover may be more suitable.
Step 3: What level of cover do you need?Each level of cover offers different features and benefits. Basics cover includes standard inclusions, essentials cover provides additional benefits and higher benefit limits, while top cover offers the highest level of cover across a wider range of insured events. It’s important to review the details of each option to see which is the most appropriate for your travel plans.
Step 4: Do you need additional cover?Some trips require more than standard travel insurance. If you're going on a cruise, skiing or snowboarding, or travelling with an existing medical condition, check whether you need to add optional cover or have your medical condition assessed before you purchase your policy.
Frequently Asked Questions
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Depending on your circumstances, you may be able to make changes to your policy before you travel. If your travel dates or destination change, contact World2Cover as soon as possible to discuss your options.
If you need to increase your level of cover before you travel, contact World2Cover to discuss your options. Eligibility and policy conditions apply.
If you decide to stay away longer than originally planned, you may be able to extend your policy, provided you meet the eligibility requirements. Always arrange any extension before your policy expires.
Your policy only covers the people named on your Certificate of Insurance (COI). If you're travelling as a couple, family or group, check who is insured before you travel.
Your policy can cover travel to multiple destinations, provided those countries fall within the geographical region you selected when purchasing your policy, or you can list the specific country you are travelling to.
Yes. Cover is available for transit stops when they form part of your insured journey, and do not need to be listed if your stop-over is less than 24 hours.
Depending on the circumstances and your policy, cover may be available for eligible cancellation costs associated with trips booked using frequent flyer points or similar travel rewards. Refer to the PDS for full details.
Cover is available for many personal belongings such as valuable items, subject to the policy terms, benefit limits and any applicable item limits. Check the Product Disclosure Statement to understand how valuable items are covered.
Travel insurance benefit limits are the maximum amount payable for covered claims. If the value of your belongings exceeds those limits, you may not be able to recover the full replacement cost.
Some benefit limits apply to each adult or insured person, while others apply to the policy as a whole. Refer to the Product Disclosure Statement for the benefit limits that apply to your chosen cover.
The easiest way to understand your cover is to review your Certificate of Insurance together with the Product Disclosure Statement. If you're unsure whether a particular event is covered, contact World2Cover before relying on your policy.
Your policy helps provide cover if unexpected events occur during your trip. You don't need to claim every benefit for your policy to offer value. It is there to support you if something goes wrong.
Why consider World2Cover?
Travel supported by an award-winning travel insurance provider on your next journey.
Award-winning travel insurance
Unlimited overseas medical cover*
Multiple levels of coverage
24/7 emergency assistance
Fast online quotes
*Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details
~~You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.
Ω Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
