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Worldcare Travel Insurance

Worldcare Travel Insurance Review

With Worldcare Travel Insurance, you can enjoy generous personal liability cover of up to $5,000,000 for a staycation in ‘Straya.

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Gary Hunter
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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
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    Our Verdict

    • Worldcare Travel Insurance offers a cover limit of up to $10,000 for lost, stolen or damaged luggage, personal effects and valuables – one of the highest amounts we saw.
    • We reviewed 10 leading travel insurance providers and Worldcare Travel insurance was one of the few that provided cover even if you're already overseas.
    • Our research team found a handful of insurers offering some type of cover for coronavirus-linked events, and Worldcare Travel Insurance was on that list.

    Review by our senior insurance writer James Martin

    Worldcare offers a range of policy options for trips overseas and within Australia with basic and comprehensive cover available. Find out if they have a policy that suits your needs below.

    WorldCare travel insurance is not currently available via Finder. You can head to the WorldCare website or compare alternative options available below.

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    Summary of WorldCare's Comprehensive policy

    Overseas Medical and Hospital ExpensesUnlimited*
    Cancellation and Amendment FeesUnlimited*
    Luggage and Personal Effects$10,000
    Maximum Age Limit120

    Table updated December 2020
    *Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.

    Why choose Worldcare Travel Insurance?

    Worldcare was established more than 20 years ago and was one of the first Australian travel insurance brands to offer medical repatriations.

    Today, this locally-owned company's policies are underwritten by Allianz Australia Insurance Ltd. There are many benefits of selecting one of its travel cover options:

    • 24-hour emergency assistance. Worldcare’s emergency medical contact centre, based in Toowong in Brisbane, is open 24 hours a day so you can get help around the clock. Worldcare’s 24-hour medical assistance helpdesk is also staffed by qualified nurses ready to offer advice if you have a medical emergency.
    • Global presence. Allianz Global Assistance, Worldcare’s emergency assistance provider, has a network of offices and agents all over the world.
    • Great range of plans to choose from. Worldcare offers an extensive range of policies for domestic and international travel.
    • Age-friendly Worldcare travel solutions. A lot of Australians would love to be able to travel after they have retired, but often find it difficult to get a travel insurance policy due to their age. Worldcare offers several travel solutions that are aimed at people 74 or younger, while Worldcare's Comprehensive Travel Insurance has no age limit.
    • Backed by global provider Allianz. Worldcare's policies are underwritten by Allianz, one of the world's largest insurance providers. And because Worldcare's emergency assistance provider is Allianz Global Assistance, policyholders can rest safe in the knowledge that Worldcare is backed by a company with the expertise to look after them on their travels.
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    Available Worldcare policies and what they cover you for

    The policy details below are general overviews of the main inclusions that come with each level of coverage, like how much medical cover you get and what happens if you lose your luggage. For more detailed inclusions and to see what conditions and limits apply to each, we recommend you check the product disclosure statement (PDS).

    • Basic Travel Insurance

    Designed to include all the essentials of travel insurance but at a relatively cheap price, Budget Travel Cover features unlimited cover for your emergency medical and hospital expenses, 24-hour emergency medical assistance, evacuation and repatriation back to Australia should you need it, and personal liability cover.

    What you are covered forSingleDuoFamily
    Overseas Emergency Medical AssistanceUnlimited*Unlimited*Unlimited*
    Overseas Emergency Medical and Hospital ExpensesUnlimited*Unlimited*Unlimited*
    Personal Liability$2.5 million$2.5 million$2.5 million
    • Essentials Travel Insurance

    Worldcare's Essentials cover provides unlimited overseas emergency and medical cover, $20,000 cancellation cover per person, $25,000 additional expenses, travel delay expenses cover and more.

    What you are covered forSingleDuoFamily
    Overseas Emergency Medical AssistanceUnlimited*Unlimited*Unlimited*
    Overseas Emergency Medical and Hospital ExpensesUnlimited*Unlimited*Unlimited*
    Personal Liability$2.5 million$2.5 million$2.5 million
    Cancellation Fees and Lost Deposits$20,000$20,000$20,000
    Additional Expenses$25,000$25,000$50,000
    Travel Delay Expenses$2,000$2,000$4,000
    Rental Vehicle Excess$3,000$3,000$6,000
    • Domestic Travel Insurance

    This policy does just as the name suggests — it covers you for travel in Australia only. It includes cover for cancellation expenses and lost or damaged luggage, and can foot the bill for additional accommodation and travel expenses if you become sick and are unable to travel. There's unlimited cover for cancellation fees and lost deposits, plus up to $6000 towards your rental vehicle excess if you have an accident while driving a hire car.

    What you are covered forSingleDuoFamily
    Cancellation Fees and Lost DepositsUnlimited*Unlimited*Unlimited*
    Additional Expenses$25,000$25,000$50,000
    Accidental Death$25,000$25,000$50,000
    Luggage and Personal Effects$10,000$10,000$20,000
    Travel Delay Expenses$2,000$2,000$4,000
    Personal Liability$2.5 million$2.5 million$2.5 million
    Rental Vehicle Excess$3,000$3,000$6,000
    Theft of Cash$250$2500$500
    • Comprehensive Travel Insurance

    Worldcare’s highest level of cover is designed to give you complete peace of mind while travelling. This policy includes unlimited cover for overseas emergency medical, hospital and repatriation expenses and cancellation. If you become sick or are unable to travel, Worldcare covers additional accommodation and travel costs. Lost travel documents, luggage and stolen cash are also included in the policy, as is up to $6000 towards your rental vehicle excess.

    What you are covered forSingleDuoFamily
    Cancellation Fees and Lost DepositsUnlimited*Unlimited*Unlimited*
    Overseas Emergency Medical AssistanceUnlimited*Unlimited*Unlimited*
    Overseas Emergency Medical and Hospital ExpensesUnlimited*Unlimited*Unlimited*
    Additional Expenses$50,000$50,000$100,000
    Hospital Cash Allowance$5,000$5,000$10,000
    Accidental Death$25,000$25,000$50,000
    Permanent Disability$25,000$25,000$50,000
    Loss of Income$10,400$10,400$20,800
    Travel Documents, Transaction Cards and Travellers Cheques$5,000$5,000$10,000
    Theft of Cash$250$250$500
    Luggage and Personal Effects$10,000$10,000$20,000
    Luggage and Personal Effects Delay Expenses$500$500$1,000
    Travel Delay Expenses$2,000$2,000$4,000
    Alternative Transport Expenses$5,000$5,000$10,000
    Personal Liability$2.5 million$2.5 million$2.5 million
    Rental Vehicle Excess$3,000$3,000$6,000
    Domestic Pets$500$500$1,000
    Domestic Services$500$500$1,000
    Return Airfare$3,000$3,000$6,000

    • Multi-Trip Travel Insurance

    The multi-trip policy features all the benefits of Worldcare's Comprehensive policy but covers you all year long. If you regularly travel abroad, this cover may be worth considering. Depends on your journey, you can choose from one of these maximum travel periods: 15 days, 30 days or 45 days.

    What you are covered forLimit
    Cancellation Fees and Lost DepositsUnlimited*
    Overseas Emergency Medical AssistanceUnlimited*
    Overseas Emergency Medical and Hospital ExpensesUnlimited*
    Additional Expenses$50,000
    Hospital Cash Allowance$5,000
    Accidental Death$25,000
    Permanent Disability$25,000
    Loss of Income$10,400
    Travel Documents, Transaction Cards and Travellers Cheques$5,000
    Theft of Cash$250
    Luggage and Personal Effects$10,000
    Luggage and Personal Effects Delay Expenses$500
    Travel Delay Expenses$2,000
    Alternative Transport Expenses$5,000
    Personal Liability$2.5 million
    Rental Vehicle Excess$3,000
    Domestic Pets$500
    Domestic Services$500
    Return Airfare$12,000
    • Non-medical Travel Insurance

    Worldcare's non-medical plan provides cover for things like accidental death, permanent disability, travel delay expenses and luggage and personal effects.

    What you are covered forSingle
    Accidental Death$25,000
    Permanent Disability$25,000
    CancellationUnlimited*
    Additional Expenses$50,000
    Travel Delay Expenses$2,000
    Alternative Transport Expenses$5,000
    Personal Liability$2.5 million
    Rental Vehicle Excess$3,000
    Luggage and Personal Effects$10,000
    Luggage & Personal Effects Delay Expenses$500
    Travel Documents, Transaction Cards & Travellers Cheques$5,000
    Luggage & Personal Effects Delay Expenses$250
    • Residents returning Travel Insurance

    This policy is for Australian residents who are currently overseas and want cover for their trip home. It provides protection for events like emergency assistance, luggage cover, theft of cash and more.

    What you are covered forSingleDuoFamily
    Overseas Emergency Medical AssistanceUnlimited*Unlimited*Unlimited*
    Accidental Death$25,000$25,000$50,000
    Permanent Disability$25,000$25,000$50,000
    Hospital Cash Allowance$5,000$5,000$10,000
    Loss of Income$10,400$10,400$20,800
    CancellationUnlimited*Unlimited*Unlimited*
    Additional Expenses$50,000$50,000$100,000
    Travel Delay Expenses$2,000$2,000$4,000
    Alternative Transport Expenses$5,000$5,000$10,000
    Return Airfare$5,000$3,000$6,000
    Domestic Services$500$500$1,000
    Domestic Pets$500$500$1,000
    Rental Vehicle Excess$3,000$3,000$6,000
    Luggage and Personal Effects$10,000$10,000$20,000
    Luggage & Personal Effects Delay Expenses$500$500$1,000
    Travel Documents, Transaction Cards & Travellers Cheques$5,000$5,000$10,000
    Theft of Cash$250$250$500
    Personal Liability$2.5 million$2.5 million$2.5 million
    Table updated December 2020Back to top

    Worldcare travel cover benefits overview

    Depending on which policy you've purchased, Worldcare offers travel insurance that covers:

    • Cancellation fees and lost deposits. If circumstances beyond your control (for example illness or job loss) force you to cancel your holiday, Worldcare may pay cancellation fees and cover lost deposits for travel and accommodation arrangements that you have paid in advance. (Not included under Basic Cover.)
    • Overseas emergency medical assistance. If you are injured or become sick while overseas, Allianz Global Assistance can arrange access to a medical adviser for emergency medical treatment.
    • Overseas emergency medical and hospital expenses. Worldcare may cover your medical or hospital expenses until you get back to Australia if you are injured or become sick while overseas.
    • Additional expenses. Not included in the Basic Cover policy, this can cover your unexpected travel expenses if you get sick or injured during your trip and you need to change your travel plans.
    • Hospital-cash allowance. Worldcare will pay you $50 for every day you are in hospital overseas if you are hospitalised for more than 48 hours. This allowance is to help with out-of-pocket expenses and is not available if you’re travelling in Australia.
    • Accidental death. In the event of accidental death, the policy will pay out a benefit to the estate of the deceased.
    • Loss of income. If you become injured during your journey and are unable to return to work, your policy may provide a weekly payment of up to $400 for up to 26 weeks to help cover your loss of income.
    • Luggage and personal effects. Worldcare may pay to repair or replace lost, stolen or damaged luggage and personal effects. Under some policies, cover is also available if your luggage is lost or delayed and you need to purchase essential items to see you through until your luggage arrives. (Not included under Basic Cover)
    • Travel delay expenses. If your journey is delayed by more than six hours due to circumstances beyond your control, Worldcare will provide a benefit payment. (Not included under Basic Cover)
    • Other benefits. Other benefits available on Worldcare policies include personal liability cover and rental vehicle excess cover.

    Extra cover options you can add to your policy

    • Specified luggage and personal effects. Additional cover can be purchased for luggage and personal effects.
    • Additional options available. If you're taking a cruise, going to the snow, need increased rental vehicle excess coverage, will be golfing or taking multiple trips, you can purchase add-ons to the above policies.
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    Pros and cons of Worldcare Travel Insurance

    Benefits

    • Provides cover for some pre-existing medical conditions. Most of the policies at Worldcare Travel Insurance cover some pre-existing medical conditions at no cost.
    • 24-hour contact centre and medical assistance. Worldcare’s contact centre is manned by a team of over 550 staff including registered nurses, doctors, translators, social workers, communication specialists, translators and support personnel to handle your policy purchase, manage your claim and oversee your emergency medical assistance.
    • No age limit. Worldcare's Comprehensive, Domestic and Resident Returning plans don't have an upper age limit.
    • Available for temporary residents. If you're living in Australia on a work visa, you're eligible for the Temporary Resident Cover under Worldcare's Comprehensive policy
    • Get cover if you're already overseas. If you've already left Australia you're able to get cover under the Resident Returning Plan.

    Drawbacks

    • Read the PDS. When buying insurance without advice from an expert, make sure to read the PDS closely and make sure you understand what your policy does and doesn’t cover.
    • No cover for working overseas. Worldcare will not cover you for incidents that occur while working overseas (may be covered for some events under frequent traveller plan)
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    Travelling with your spouse or partner?

    There are a number of different types of cover to choose from with Worldcare. Here is how you will be covered by each;

    • Single. You and your eligible financial dependents will be covered.
    • Duo. Provides cover for you and your travelling companion. Your dependents will not be covered.
    • Family. Provides cover for you and the members of your family travelling with you. The maximum benefit that will be paid applies to the total number of claims combined, regardless of number of people the claim relates to.
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    Other things to keep in mind about your policy

    • Cancelling your policy. Worldcare Travel Insurance wants to make sure that you are fully satisfied with your policy and have a truly enjoyable trip. Should you feel unsatisfied with the policy you bought, you may cancel it within 14 days after the issuance of your PDS and Certificate of Insurance and you will be given a full refund of the premium you have paid. For policy cancellation to merit a refund, it is required that you have not commenced your travel and you do not want to make a claim or exercise any other right under the policy. Any cancellation made after the 14-day period shall disqualify you from refund either partially or wholly.
    • Extending your policy. You must request to extend your policy with Worldcare at least 7 days prior to the policy end date unless your transport carrier has been delayed or your reason for extension is something that can be claimed under your policy.
    • Safeguarding your luggage. You must take all reasonable care to safeguard your luggage and personal effects. Loss of items that have been left unattended in a public place will not be covered by Worldcare
    • Cover commencement. Cover will commence on the start date of your policy.
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    How do I make a claim with Worldcare Travel Insurance?

    The Worldcare claims process is relatively straightforward. You must give Worldcare notice of your claim as soon as possible by phoning it on 1300 726 087. You can access a claim form online through www.travelclaims.com.au, or for urgent cases overseas you can contact Worldcare’s 24-hour emergency assistance team.

    If you need to lodge a claim just follow these steps. Please note claims are payable in Australian dollars.

      1. Visit the Travel Claims website
      2. Log in using your Worldcare policy number, D.O.B and surname
      3. Collect any documentation that may be required i.e. police reports, medical reports, valuations, original receipts or proof of ownership
      4. Email, fax or post completed claim form with any necessary documentation within 30 days of your return

    Read more about making travel insurance claims.

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    Frequently asked questions about Worldcare Travel Insurance

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    More guides on Finder

    • WorldCare travel insurance discount and coupons January 2022

      WorldCare provides value for money travel insurance to both domestic and overseas travellers, offering a range of benefits for those who travel frequently within Australia plus 24/7 overseas emergency help through Allianz Global Assistance.

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    6 Responses

      Default Gravatar
      CharlesNovember 15, 2021

      My name is Charles Lawson and I am wanting Insurance to enter Thailand for 60 Days I am double Vaccinated and will have had a booster before I leave in March is there a Government Agency that supplies travel insurance to suit my needs as I am 83 years old in good health and a have been a regular visitor to Thailand for the last 15 years

      Reply
        Avatarfinder Customer Care
        JamesNovember 23, 2021Staff

        Hi Charles,

        I’m not aware of any government agencies offering travel insurance. Depending on the type of cover you’re looking for, you can explore your options on our Travel insurance for seniors over 80 guide. You can also find out more about travel insurance that covers COVID-19 here.

        Be sure to read through the relevant Product Disclosure Statements (PDS) when comparing your options before making a decision on whether a policy is right for you.

        I hope this helps,

        Regards,
        James

        Reply
      Default Gravatar
      PeterSeptember 8, 2015

      Does personal liability cover any claims made by a 3rd party resulting from injuries caused when you were driving a rental vehicle?

      Reply
        Avatarfinder Customer Care
        RichardSeptember 8, 2015Staff

        Hi Peter,

        Thanks for your question. Cover varies from provider to provider. You’d need to check the personal liability section of the policy for exclusions like:
        “To the extent permitted by law we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle.”

        The wording around exclusions varies, so be careful.

        I hope this was helpful,
        Richard

        Reply
      Default Gravatar
      IrmaApril 3, 2015

      Does your organization insure people traveling from USA to England?

      Reply
        Avatarfinder Customer Care
        RichardApril 7, 2015Staff

        Hi Irma,

        Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. The insurers in our panel are for Australian citizens, residents and certain VISA holders. The majority of policies require the journey to begin and/or end in Australia.

        I hope this was helpful,
        Richard

        Reply
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