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Worldcare travel insurance

Our verdict: Feature-rich policies with lots of flexibility should suit many travellers but there are a few exclusions that could leave you wanting more.

Worldcare Travel Insurance

Pros

  • Worldcare travel insurance policies pack a punch with their unlimited overseas medical cover on even the basic plan and its $6,000 for rental vehicle excess is the highest we've seen.
  • You can tailor your insurance to make it the best polisucy for you. Flexible cancellation cover, a stack of add-ons and the option to insure any high-value items are all a big plus.

Cons

  • The Essentials plan is tempting if you're looking for cheap travel insurance but there are a few caveats – you can't add any optional cover and won't be covered for pre-existing conditions.
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Summary of Worldcare's Comprehensive policy

Overseas medical and hospital expenses$20,000,000
Cancellation and amendment feesCover chosen
Luggage and personal effects$10,000
Maximum age limitNo limit but 120 on Quote engine

Table updated December 2022

Congratulations, WorldCare!

WorldCare received the highly commended award for 'Travel Insurance - Seniors' in the 2023 Product Awards.

Full list of 2023 winners

How does Worldcare travel insurance cover COVID-19?

Worldcare offers COVID-19 cover across many different scenarios that you might come across on your travels. These include the following:

  • Pre and on-trip cancellation costs if you or your travelling companion get a positive COVID-19 diagnosis
  • Overseas emergency assistance to help with overseas medical emergencies, including COVID-19
  • Overseas medical expenses if you are positively diagnosed with COVID-19
  • Additional expenses, including accommodation and travel costs
  • Cruise cover, including cabin confinement and ship-to-shore evacuation cover (if the Cruise Pack is purchased)

On top of these, you might get a partial refund of your insurance premium if you're prevented from travelling or have your trip cut short because of COVID-19.

However, some exclusions apply, including if you contract the virus when you travel against advice or warning by the Australian government.

Take a peek at which other providers include cover for pandemic-related expenses in our guide to COVID-19 cover.

What policies does Worldcare offer?

Worldcare offers a range of policy options for trips overseas and within Australia with both single-trip and multi-trip options on offer. You can choose from Comprehensive, Essentials, Domestic and Non-Medical.

Travel plane luggage passport

Comprehensive

Passport

Essentials

Australian Map Icon

Domestic

Luggage

Non-Medical

Hiking

Multi-trip

This insurance is underwritten by Allianz Australia Insurance Limited.

It comes with a cooling-off period of 14 days, which allows you to cancel your policy if you decide you no longer want it and receive a full refund. Worldcare also gives you a choice of base excess that applies when you make a claim. An excess is an amount that may be deducted from any claim payment made to you.

Here's a breakdown of Worldcare travel insurance features

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Standard features

Depending on the policy you've purchased, Worldcare offers travel insurance that covers a variety of standard features. Some of these features are only available for certain levels of cover (e.g. Comprehensive vs the Essentials policy).

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Optional add-on

Whether you're going skiing or bungee jumping, you'll need to make sure you've got appropriate cover. Worldcare offers cover for these as an optional extra and you'll need to add them in at the time of purchasing your policy.

  • Adventure Pack. While Worldcare covers a stack of adventure activities as standard, if you're planning to try out something riskier than normal, you may need to purchase additional cover.
  • Cruise Pack. Relax on your next cruise knowing that you're still covered for the essentials. This cruise add-on is designed to cover medical costs onboard, cabin confinement, pre-paid shore excursion cancellation, ship to shore evacuation and more.
  • Snow Pack. Whether you're an avid skier or a newbie snowboarder, accidents tend to happen out on the snow. This pack adds on winter sport-specific cover for piste closure, sports equipment, bad weather and avalanche closure.
  • Increased Item Limits Cover. If you're taking along any personal belongings of a higher value than what's covered by your policy, you can increase the item limits. This could include items such as cameras, personal computers and jewellery.

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Exclusions

Worldcare will cover you around the world, but there are certain scenarios in which your policy won't pay out. They include the following:

  • A pre-existing medical condition not approved by Worldcare
  • Driving or riding a vehicle as the driver unless you hold the appropriate class of license
  • Elective surgery or treatment
  • Any race, speed or time trial, or endurance event other than amateur racing on foot
  • Pregnancy after the end of the 23rd week
  • Acting intentionally or recklessly in a way that puts yourself or your belongings at risk
  • Riding a moped, motorcycle or scooter, unless you've purchased the optional Adventure Pack
  • Self-harm, suicide or attempted suicide
  • You being under the influence to the extent that your physical or mental functions are impaired
  • Travel against medical advice
  • You ignoring safety advice or warnings

Make sure you review Worldcare's PDS for a detailed breakdown of when you won't be covered. You'll find the information in its list of general exclusions.

How to make a Worldcare travel insurance claim

You can call Worldcare at 1300 726 087 or email travelclaims@allianz-assistance.com.au to request a claim form.

Alternatively, you can complete a claim online by following these steps:

  1. Head to https://claimmanager.com.au/aga/agreement
  2. Agree to the terms and conditions and click on "Create a new claim"
  3. Enter your policy number, name and date of birth to log in
  4. Describe your trip and the event you're claiming for
  5. Upload any documents to support your claim
  6. Submit, and you should hear back within 10 working days

Here's the bottom line about Worldcare travel insurance

Worldcare's policies certainly tick a lot of boxes. Even on its basic travel insurance policy, Essentials, you'll find unlimited overseas medical expenses, your choice of cancellation cover and a fair amount of personal belongings cover. Travellers of all ages are covered (with a few limitations for travellers over 75) and non-Australian residents can also apply.

Where Worldcare falls short can be found in the fine print and has the potential to leave a few travellers out in the cold. Pregnancy, for example, is considered a pre-existing condition and there are a handful of exclusions that you'll need to be aware of. The optional Adventure Pack and Snow Pack both have a nonremovable excess of $500 for medical or cancellation claims that will be in addition to your base excess.

Not quite sure about Worldcare? You can find other travel insurance companies here and compare features to make sure you pick the best one for your holiday.

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  • WorldCare travel insurance discount and coupons

    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

      AvatarFinder
      JamesNovember 23, 2021Finder

      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

    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?

      AvatarFinder
      RichardSeptember 8, 2015Finder

      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

    Default Gravatar
    IrmaApril 3, 2015

    Does your organization insure people traveling from USA to England?

      AvatarFinder
      RichardApril 7, 2015Finder

      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

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