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Read on to learn more of the benefits of taking out cover with Worldcare or follow the secure links in the table below through to the Worldcare website to receive a quote for cover.
Worldcare Travel Insurance is a locally-operated company that has been offering travel cover to Australians for more than 20 years. With a complete in-house service from arranging your insurance right through to paying your claim, Worldcare aims to give you the security and peace of mind you need to enjoy your holiday.
Worldcare offers a range of policy options for both trips overseas and within Australia with single trip and comprehensive options available.
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Overseas Medical and Hospital Expenses | Unlimited |
---|---|
Cancellation and Amendment Fees | Unlimited |
Luggage and Personal Effects | $10,000 |
Maximum Age Limit | 120 |
Table updated December 2020
Worldcare was founded by a Queensland physician named Dr Tom Biggs more than 20 years ago. Dr Biggs was dismayed by the challenges he faced when he had to help transport his injured son back home to Australia from overseas, so when he established Worldcare it was one of the first Australian travel insurance brands to offer medical repatriations.
Today, this locally-owned company, with policies underwritten by Allianz Australia Insurance Ltd, has access to more than 550 staff. There are many benefits of selecting one of its travel cover options:
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).
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 for | Single | Duo | Family |
---|---|---|---|
Overseas Emergency Medical Assistance | Unlimited | Unlimited | Unlimited |
Overseas Emergency Medical and Hospital Expenses | Unlimited | Unlimited | Unlimited |
Personal Liability | $2.5 million | $2.5 million | $2.5 million |
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 for | Single | Duo | Family |
---|---|---|---|
Overseas Emergency Medical Assistance | Unlimited | Unlimited | Unlimited |
Overseas Emergency Medical and Hospital Expenses | Unlimited | 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 |
This policy does just as the name suggests—cover 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 for | Single | Duo | Family |
---|---|---|---|
Cancellation Fees and Lost Deposits | Unlimited | 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 |
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 for | Single | Duo | Family |
---|---|---|---|
Cancellation Fees and Lost Deposits | Unlimited | Unlimited | Unlimited |
Overseas Emergency Medical Assistance | Unlimited | Unlimited | Unlimited |
Overseas Emergency Medical and Hospital Expenses | Unlimited | 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 for | Limit |
---|---|
Cancellation Fees and Lost Deposits | Unlimited |
Overseas Emergency Medical Assistance | Unlimited |
Overseas Emergency Medical and Hospital Expenses | Unlimited |
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 |
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 for | Single |
---|---|
Accidental Death | $25,000 |
Permanent Disability | $25,000 |
Cancellation | Unlimited |
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 |
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 for | Single | Duo | Family |
---|---|---|---|
Overseas Emergency Medical Assistance | Unlimited | 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 |
Cancellation | Unlimited | 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 |
Depending on which policy you've purchased, Worldcare offers travel insurance that covers:
Benefits
Drawbacks
There are a number of different types of cover to choose from with Worldcare. Here is how you will be covered by each;
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.
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.
Does personal liability cover any claims made by a 3rd party resulting from injuries caused when you were driving a rental vehicle?
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
Does your organization insure people traveling from USA to England?
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