Our verdict: There's unlimited protection for overseas medical, evacuation, cancellation fees and emergency expenses on its Top plan but COVID-19 cover might not be enough for some travellers.
How does World2Cover travel insurance cover COVID-19?
World2Cover offers unlimited cover for COVID-19 related to overseas medical, hospital and emergency expenses. This applies only to the Top Cover policy. If you have to cancel or amend your travel plans or experience a travel delay, there is also a limited amount of cover under the Top Cover and Domestic policies.
Other than this, World2Cover policies have general exclusions for some specific circumstances under its COVID-19 cover that include:
If you're concerned about COVID-19 ruining your travel plans, we've compared all the providers that offer some cover for pandemic-related expenses.
What policies does World2Cover offer?
World2Cover has 5 different plans available. Its Top Cover, Essentials Cover and Basics Cover will cover you for overseas trips. It also offers an annual multi-trip and domestic plan.
Here are some of the main insured events a policy can cover you for:
Top Cover
Essentials Cover
Basics Cover
Annual Multi-trip
Domestic
The insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd and comes with a cooling-off period and $200 standard excess.
The cooling-off period is 21 days, which means if you change your mind and decide to cancel your policy within this period, World2Cover will refund your premium in full.
The excess is the amount you're required to pay when you make a claim. It can be reduced to $100 or $0 when you apply by paying an additional premium.
Here's a breakdown of World2Cover travel insurance features
Got your eye on a World2Cover travel insurance policy? Here are some of the key policy benefits included in the Top Cover to help you decide if World2Cover is the best option for you:
Accidental death and funeral expenses overseas
Cancellation fees and lost deposits
Cash in hospital
Legal liability
Luggage loss, theft, damage or delay
Overseas dental
Overseas medical and hospital expenses
Rental vehicle excess
Travel agent fees
Travel documents and personal money
Optional add-on
Even the most comprehensive of insurance policies won't include everything but if there's something that isn't covered as standard, you may be able to pay an additional premium to add an extra cover to your policy. Make sure you read the fine print so you know what you are and are not covered for.
Cruise cover. This option will cover you in the event of illness, injury, delay or cancellation related to your cruise.
Increase luggage item limits. If you've traveling with some expensive or valuable items that go above the luggage limits, you can increase your cover on a per item basis.
Ski and winter sports cover is necessary if you're planning to hit the slopes during your trip as overseas medical expenses will not be covered otherwise. You'll also be covered for ski equipment hire and the cost of prepaid ski passes, ski hire, tuition fees or lift passes.
Exclusions
Before purchasing any insurance policy, you should take careful note of the general exclusions that apply. In general, World2Cover will never honour a claim if:
You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of alcohol or drugs
You are doing something illegal or breaking any regulation or law when the issue arises
Your claim relates to a pre-existing medical condition you either did not inform World2Traveller about or which wasn't approved
You're driving a vehicle without the proper licence for the country you're in, or are a passenger on a motorcycle or similar with someone unlicensed driving
You went ahead with travel plans despite official warnings from the government or mass media
Review the World2Cover travel insurance product disclosure statement (PDS) for a complete list of general exclusions.
How to make a World2Cover travel insurance claim
The quickest and most convenient way to make a claim with World2Cover is online with its online claim lodgement. You can follow these steps:
Head to www.world2cover.com.au/how-to-claim
Choose Register, or Login if you've already registered
Complete your claim details by answering all sections
Upload any relevant documents to support your claim
Submit
Your claim should be assessed within 10 working days.
Here's the bottom line about World2Cover travel insurance
World2Cover has a solid insurance offering with competitive benefit limits and a variety of plans to suit most budgets. You'll find unlimited cover for cancellation and overseas medical expenses as well as unlimited emergency expenses on the Top Cover policy. Its legal liability cover of $10 million is the highest we've seen.
Where we find World2Cover's policies a bit lacking is its COVID-19 cover. Multi-night cruises aren't covered and unless you opt for its most comprehensive plan, you won't get COVID-19 cover at all.
Yes, travellers up to 75 years of age are eligible for World2Cover travel insurance. If you don't quite make the cutoff, check out our full list of providers who insure senior travellers.
Yes, your children and your grandchildren are covered for free provided they are 25 years old or younger, are financially dependent on you and are not working full time. They also must be travelling with you the whole time and listed on the certificate of insurance.
Yes, you're covered for riding a motorcycle or scooter at no additional cost provided you have a valid licence and are wearing a helmet.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.
Hi guys, i am looking for insurance that has cover for curtailment.
In the event a relative becomes seriously ill or passes away i need assurance that i can return home under insurance cover.
Finder
AngusSeptember 30, 2024Finder
Many comprehensive policies cover this – check out our full guide to travel insurance for family emergencies. Note that most policies won’t cover any pre-existing conditions or illnesses – the incident has to be unexpected. Hope this helps.
JonathanJune 21, 2018
Can you provide a list of Travel Insurers for someone over the age of 72 years who travels regularly and for long periods between Adelaide and Denpasar, Bali?
Thanks.
Finder
JeniJune 22, 2018Finder
Hi Jonathan,
Thank you for getting in touch with Finder.
It is recommended to get an annual travel insurance for someone who travels a lot in a year to save more on your trips.
You can enter your travel details from our travel insurance for seniors form to compare quotes from different providers. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
I hope this helps. Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
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Hi guys, i am looking for insurance that has cover for curtailment.
In the event a relative becomes seriously ill or passes away i need assurance that i can return home under insurance cover.
Many comprehensive policies cover this – check out our full guide to travel insurance for family emergencies. Note that most policies won’t cover any pre-existing conditions or illnesses – the incident has to be unexpected. Hope this helps.
Can you provide a list of Travel Insurers for someone over the age of 72 years who travels regularly and for long periods between Adelaide and Denpasar, Bali?
Thanks.
Hi Jonathan,
Thank you for getting in touch with Finder.
It is recommended to get an annual travel insurance for someone who travels a lot in a year to save more on your trips.
You can enter your travel details from our travel insurance for seniors form to compare quotes from different providers. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
I hope this helps. Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni