World Travel Insurance

World Travel Insurance Policy Review

When you’re travelling, a host of things can go wrong and spoil your trip. Medical emergencies can leave you with astronomical hospital bills, luggage can be lost or stolen, flights can be delayed and cancelled, and unforeseen circumstances can force you to cut your trip short and end up significantly out of pocket. Without any protection in place, situations such as these can cost you thousands of dollars — not to mention the stress. For example, the cost of medical evacuation back to Australia can costs upwards of $300,000 mark.This is why it’s such a sensible idea to take out travel insurance. Travel insurance is designed to offer financial protection against several risks you might come across while travelling. These include those expensive overseas medical emergencies and hospital bills, cancellation fees and lost deposits when unexpected events force you to cancel your trip, lost and delayed luggage and personal belongings, theft of cash, rental vehicle insurance excess and personal liability.You can find policies to suit a range of budgets and to offer different levels of cover to suit your requirements. In short, travel insurance is all about giving you the peace of mind you need to get out and explore the world, allowing you to feel secure in the knowledge that you won’t suffer financially if something goes wrong.When you’re about to set out on a holiday, the last thing you want to be thinking about is something going wrong on your trip. Unfortunately, the sheer unpredictability of travel means that disasters can happen when you’re out and about seeing the world. In fact, the Department of Foreign Affairs and Trade deals with more than 25,000 cases each year of Australians getting into trouble and requiring assistance overseas. does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

Who Underwrites World Travel Insurance?

World Travel Insurance products and services are provided by AIG Australia Limited, trading in Australia as AIG. The Policy is issued and underwritten by AIG and is governed by the laws in the State or Territory in which it is issued.

World Travel Insurance Policies

World Travel Insurance offers four different travel insurance plans to travellers. You can choose to take out cover for singles or for families.

  • International One Trip Plan. This plan offers unlimited cover for overseas medical and hospital expenses, including emergency medical assistance, ambulance transportation, nursing and surgical costs, and medical evacuation if required. Unlimited cover is also available for cancellation fees and lost deposits when unexpected circumstances (such as having to look after a sick relative) force you to cancel your trip. The policy offers $15,000 of coverage for lost or stolen luggage, and $1,000 protection for travel delays. Other policy features include coverage for hijacking, alternative transport expenses to get to special events on time, travel agents fees, accidental death, legal liability and rental vehicle excess.
  • Annual Multi Trip Plan. This option covers all the same risks as the plan listed above but is designed to protect you on all the journeys you take during a 12-month period. This is designed to be a more affordable option for frequent travellers than buying a separate policy for each trip. The Annual Multi Trip Plan includes unlimited coverage for medical emergencies, overseas medical and hospital expenses, and cancellation fees and lost deposits.
  • Domestic One Trip Plan. If you’re planning a trip within Australia and want a wide range of coverage, this plan could be right for you. It offers $10,000 worth of cover for cancellation fees and lost deposits, or $20,000 if you elect to take out a family policy. There’s also cover for emergency expenses ($10,000), lost or stolen luggage ($3,000), travel delay ($300) and accidental death ($10,000). Other plan features include cover for travel agents’ fees, hijacking, alternative transport to special events, accidental disability, legal liability, rental vehicle excess and financial default of a travel services provider.
  • Domestic Cancellation and Emergency Expenses Plan. This is a basic, no-frills plan for those planning to travel within Australia. It includes cover for any cancellation fees and lost deposits you might have to contend with, as well as any emergency expenses you incur. Up to $2,000 cover is available if you choose the High Plan, while this drops to $1,000 if you opt for the Low Plan.
Back to top

World Travel Insurance General Exclusions

While the policies offered by World Travel Insurance do provide a wide range of benefits, there are certain circumstances where a claim will not be paid. These include:

  • Claims will not be paid if you travel to a region of the world which the Australian Government has issued a travel advisory warning against visiting
  • Cover is not automatically provided for pre-existing medical conditions. However, conditions like acne, allergies, asthma and cataracts will still allow you to gain automatic acceptance
  • If you travel against medical advice, you will not receive any benefits
  • Policies are only available to travellers aged 69 years and under. Travellers aged over 70 years of age can seek out Mature Age Travel Insurance from the company
  • This insurance is only available to permanent residents of Australia
  • World Travel Insurance is not able to cover any medical, hospital, dental or ancillary benefits incurred in Australia
  • You will not be compensated for any loss, injury damage or legal liability if you travel to Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Libya, Sudan or Syria
  • Your claim will not be paid if it arises from error or omissions in your travel bookings
  • Your claim will not be paid if it arises from your participation in professional sport, hunting, racing, rock climbing and some other adventure activities
  • Your claim will not be paid if it is a result of an intentional self-inflicted injury or attempted suicide
  • Your claim will not be paid if it is a result of you being under the influence of alcohol or drugs
  • Your claim will not be paid if it relates to an act of war, invasion, or civil unrest or insurrection
  • Your claim will not be paid if you act illegally or break any government regulation
  • Your claim will not be paid if you do not plan to return to live in Australia once your trip has been completed
  • Your claim will not be paid if you fail to act in a responsible way to protect yourself or your belongings, or if you fail to take reasonable steps to minimise your loss.

Find coupon codes for travel insurance

Back to top

How to Choose the most Suitable World Travel Insurance Policy

Travel insurance is a vital consideration for any holiday, but taking the time to find the right policy is just as crucial. Of course, the best way to do this is to do lots of research and shop around for the best possible deal.

The first thing you need to consider is the trip you are planning and the type and level of cover you want. Questions you should ask yourself include:

  • Where will you be travelling?
  • What sort of experiences will you be participating in?
  • Will you be catching lots of connecting flights and trains?
  • Will you be visiting multiple countries?
  • How much cover do you want?

While some people only want a basic policy to cover them against the most essential travel risks, others want comprehensive cover that can look after them in a broad range of situations.

Once you know what you’re after, it’s time to take a closer look at some of the policies offered by a number of reputable insurance companies. Find a few providers with a trusted reputation and with plenty of experience in the industry, then compare the policies they have to offer.

You’ll need to weigh up the pros and cons of competing policies to see how they stack up against one another, and the best way to do this is to examine the product disclosure statement for each. Look at the benefits offered under each policy and check whether one policy offers more benefits than its competitors, as well as if there’s any difference in the benefit limits. Make sure you know exactly what’s covered before you sign on the dotted line. It’s also a good idea to check the list of exclusions to make sure that you don’t get any unpleasant surprises some time in the future.

It’s also a great idea to compare quotes for a number of policies. You can do this in a few easy minutes online, but remember that you’ll need to consider the cover a policy offers as well as its price before you decide on the right policy for you.

Back to top

Making a Claim with World Travel Insurance

If you need to make a claim under your World Travel Insurance policy, you’ll need to contact AIG, the company that underwrites the insurance policies, to register your claim within 30 days of completing your travel.

AIG will then require you to provide them with original invoices and receipts relation to your loss or expenses. You’ll also need to provide proof of ownership of any lost, stolen or damaged items, plus you’ll have to present your Certificate of Insurance.

Finally, you will need to provide AIG with any other information they may require, which could include police reports, valuations, medical reports, hospital bills and more.

To get a claims form or to make an enquiry in relation to entitlement to claim, contact AIG for assistance on 1800 017 682. Alternatively, you can lodge your claim online or download a claim form from the Claims page.

In order to make the claims process run as smoothly as possible — with World Travel Insurance or any other insurance provider — there are some simple steps you can take:

  • Be honest and accurate when filling out your application. Provide full details of your trip and any pre-existing conditions you may have.
  • If you need medical treatment overseas and it’s not an insurer, consider phoning your insurer to determine the best course of action before you start racking up expensive medical bills.
  • Keep receipts and even photographic evidence of your luggage and personal belongings.
    If you’re a victim of theft, report it to the police and obtain a report. If an airline loses your luggage, notify the airline of this and obtain written confirmation.
  • Supply all the supporting evidence and documentation your insurer asks for. Failing to do so could lead to your claim being rejected.
Back to top

World Travel Insurance Frequently Asked Questions

Q. How important is travel insurance?

  • A. When you consider just how costly it can be when something goes wrong on your holiday, it quickly becomes apparent just how vital this type of cover really is. As the old saying goes, if you can’t afford travel insurance you can’t afford to travel.

Q. Should I buy a policy from my travel agent?

  • A. No, this is not the best way to go. Travel agents add hefty commissions to the price of the policies they sell, so you can save yourself a big stack of money by buying a policy direct from an insurer.

Q. How can I compare policies?

  • A. Start the process by using’s comparison tools. You can also look at product disclosure statements to get an idea of the benefits, limits and exclusions of each policy, plus you can obtain quotes quickly and easily online.

Q. What if my credit card offers cover?

  • A. Some rewards credit cards will offer complimentary travel insurance to cardholders. This may be sufficient for your needs, but make sure to check the quality of the cover offered and the steps you need to take to activate it.

Q. How do I know which policy is best for me?

  • A. This is a question that only you can answer. Consider the trip you have planned and assess whether you want basic cover or comprehensive protection. Then it’s a matter of shopping around for the best possible deal.

When you’re setting out on a holiday either within Australia or overseas, it’s vital that you make sure you have some form of travel insurance cover in place. This gives you much-needed peace of mind and financial protection, allowing you to explore the world with the confidence that comes with knowing you will be looked after if disaster strikes.

World Travel Insurance offers several competitive insurance policies that are underwritten by respected global insurer, AIG. There are options to suit a range of needs and budgets, so make sure to compare the company’s products with other plans on the market to guarantee that your insurance needs are covered.

Back to top

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Ask a question