Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455) is the provider of World2Cover Insurance, as an authorised representative (AR 1313066) of the product’s issuer, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the World2Cover Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Please read the World2Cover Combined Financial Services Guide and Product Disclosure Statement for full details of terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. TMDs outline the intended class of customers that comprise the target market for these travel products, including key attributes of the insurance cover and eligibility criteria. A TMD does not replace the terms and conditions, nor the disclosures make, in a PDS so you should read the applicable PDS carefully and contact us if you have any queries. A copy of our PDS, Supplementary PDS and TMD's for each travel product can be found in here.