Top Cover

World2Cover Top cover - Our highest level of cover.

Considering purchasing travel insurance for your upcoming trip? Good on ya!

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 our top cover travel insurance?

When it comes to our top cover 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 that might be right for you ^#.

Our new for old policy feature is one of the many offered benefits on our top cover policy. 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).

Your International Single Trip Top cover includes Limited COVID-19 benefits^& please read our Product Disclosure Statement

#Limits and sub-limits apply
&Policy criteria and conditions apply

Summary of covered items^#

$Unlimited** Overseas medical and hospital expenses
$Unlimited** COVID-19 Overseas medical and hospital and emergency expenses^#
$Unlimited** emergency medical & evacuation expenses
COVID-19 Cancellation fees and lost deposits, additional expenses^# and special events, travel delay^# (Up to $3,500 per adult combined limit)
$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 Medical 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^& (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 hot air ballooning and bungee jumping^&

#Limits and sub-limits apply
**$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusion apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by your treating doctor or our consulting medical officer. You must notify us as soon as possible of your admittance to hospital.
^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.
^This cover is per policy
*This cover is per person listed in Your Policy
& Policy criteria and conditions apply

Who does top cover travel insurance cover?

Top Cover travel insurance offers coverage for both singles 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).

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^∆, Top cover 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 Statement.

#Limits and sub-limits apply
^This cover is per policy
& Policy criteria and conditions apply
∆We will not cover you for Any boarding kennel or cattery fees incurred outside of Australia, any pets located outside of Australia and all General Exclusions apply, please refer to our Product Disclosure Statement"

How much does top cover 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 $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 a reason covered under the 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 Statement on our website.

Emergency expenses

World2Cover understands that circumstances happen out of your control. Our top cover travel insurance can provide cover for accommodation, 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 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. We strive to provide superior customer service, 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.