Travel Insurance - Basic Cover | World2Cover Australia

Basics Cover

Travelling overseas on a budget doesn’t mean you can't have travel insurance for the unexpected. Our Basics Cover may be able to assist.

As the saying goes, let’s get back to basics. In many cases, basic means the most simple. In our case, however, the World2Cover basics travel insurance package could still provide you with basic cover you may need for your trip. Our basics cover gives you coverage in the areas you may need it most.

What is covered with basics travel insurance?

World2Cover basics travel insurance provides you with added peace of mind on a wide range of items. From lost luggage to medical expenses, we have a level of cover that might be right for you.

Our old for new policy feature is one of the many offered benefits on our basics cover policy. Old for new means that we keep the same level of value of your damaged items, up to the policy limits#. 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). If we decide to replace your luggage, we will replace it with brand new luggage.

Summary of covered items#

  • $Unlimited** Overseas Medical and Hospital
  • $Unlimited** emergency medical & evacuation
  • Cash in Hospital# (up to $1,500)
  • Overseas Dental# (up to $500)
  • 24/7 global medical emergency assistance
  • Emergency expenses# (up to $5,000)
  • Luggage# loss, theft, damage or delayed 
  • Legal liability^& (up to $10,000,000)
  • 38 listed existing medical conditions covered&
  • Most amateur sporting and adventure activities are covered at no extra cost, such as canyoning and hot air ballooning&
#Limits and sub-limits apply
**$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.
*This cover is per person listed in Your Policy
^This cover is per policy
& Policy criteria and conditions apply 

Who does basics travel insurance cover?

Basics travel insurance offers coverage for singles, couples and families. Singles include one adult between the ages of 18 and 75 and their declared dependents. Family cover includes any two adults named on the policy travelling together and their declared dependents. Dependents who are not working full-time, are aged 25 and under and travelling with you for the entire trip can be listed on the single and family travel insurance package. This is included at no additional cost, unless they have an existing medical condition to declare (in which case an additional premium may be required).

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 Statement.

& Policy criteria and conditions apply

How much does basics 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 adult travellers and more. If you file a claim with our basics travel insurance package, the standard excess is $200 AUD or you can reduce your excess to $100 paying extra. Excess is charged on a per incident basis rather than per person. 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.

World2Cover understands that circumstances happen out of your control. Your trip can be extended free of charge if your departure or return is delayed due to a reason covered under the policy. For more information on your policy, please visit the Product Disclosure Statement section on our website.

Emergency Expenses

All World2Cover travel insurance policies can provide cover for accommodation, meals and travel expenses& if your trip is disrupted due to serious injury, death in your or travelling companion’s family, natural disaster, civil unrest or riots, or other reason you can claim for under this section. please visit the Product Disclosure Statement section 4 on our website.

&Terms, conditions and exclusions apply

Why consider World2Cover?

World2Cover offers specially designed levels of cover to assist with your travel insurance needs and can help to provide you with peace of mind while travelling. We strive to provide superior customer service, 24/7overseas medical emergency assistance, travel insurance packages, and instant quotes. You have heaps of places to go, people to see, and adventures to experience. Take advantage of our 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!

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.