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World2Cover has a number of high quality travel insurance policies that can cover you in a myriad of global destinations or while you're travelling in the great land of Oz. There are flexible tiered policies so you can tailor cover to your needs and itinerary, as well as the option to include cover for some circumstances that arise out of COVID-19. Check out the policy options and frequently asked questions below for more details.

About World2Cover

World2Cover offers assistance to customers 7 days a week and has a dedicated call team to help 24 hours a day with any insurance queries if you find yourself in a medical emergency overseas. Insurance provided by World2Cover is underwritten by Tokio Marine Nichido Fire Insurance Co. Ltd. The group set up a shop in Australia in 1963, and both sales and call centres are located locally.

Cover information and limits in the table below verified as correct at 13 July 2024. Other information correct at the time of writing.

World2Cover plans

World2Cover offers a range of travel insurance options, including plans specifically for families, multi-trip travel insurance that can cover you for multiple trips of 30, 45 or 60 days within the year. World2Cover also covers domestic travel insurance for holidays in Australia. Here, we are going to detail the options for single trip international cover across the three levels offered by World2Cover: Basics Cover, Essentials Cover and Top Cover. 

Make sure to read the product disclosure statement to get a better understanding of the terms and conditions of your coverage. 

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basics

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $2,000

    • $5,000

    • $5,000

    • $1,500

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Essentials

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $25,000

    • $7,500

    • $25,000

    • $25,000

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $2,000

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Top

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $5,000

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Annual Multi-Trip (30 days)

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $5,000

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basics

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $2,000

    • $5,000

    • $5,000

    • $1,500

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Essentials

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $25,000

    • $7,500

    • $25,000

    • $25,000

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $2,000

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Top

    • Per adult

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $5,000

    • $10,000,000 per policy

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusion apply to this benefit


Does World2Cover Travel Insurance have COVID-19 coverage?

World2Cover offers insurance for events related to COVID-19, such as overseas medical coverage and cancellation cover, but this will vary depending on your policy, level of coverage, and the circumstances of your claim.

World2Cover’s COVID-19 insurance has detailed terms, conditions and sub-limits that may impact the validity of your claim, so be sure to review the terms and conditions to know exactly what's covered in the PDS.

What optional extras can I add to my World2Cover policy?

Some of the optional extras or add-ons offered by World2Cover can be attached depending on your policy benefits level. The main one is Ski and Winter Sports coverage, which can be extremely useful if you're going on a snowy holiday. 

If you're cruising around Australia or internationally, you can also select a cruise cover option. World2Cover's policy for international cruises covers both international ocean and river cruising. 

Just remember, adding extras to any policy will increase your premium.

Are pre-existing medical conditions covered under World2Cover Travel Insurance?

World2Cover has a list of pre-existing medical conditions which it covers automatically. For non-automatically included conditions, you can get a medical assessment and may still be able to take out cover.

Make sure you read your PDS carefully if you're planning to travel with a pre-existing condition.

What do I do if there is an emergency during my trip?

If there's a medical overseas emergency on your trip it's best to immediately contact World2Cover's 24/7 phone line where they will provide you with assistance. Getting in touch as soon as possible will help you to collect all the documents needed for your future claim as you can get assurance from World2Cover that the steps that you take in seeking medical treatment or other assistance follow the correct process.

In most countries, you call +61 2 8055 1683 (reverse charges will be accepted). In Japan, call the toll-free 0800-800-9117 or if mobile access is restricted the local number is 03 6228 5881.

How do I make a claim with World2Cover Travel Insurance?

To kick start any claim you'll want to call or email World2Cover's claims department as soon as possible and submit the full details of your claim within 30 days of returning from your trip. When you start the process, you'll want to make sure you have the requisite information, which will depend on the type of claim you're making.

Let’s go through what these details might include for different claim types:

Medical and dental emergencies

Luggage or personal money claims:

Emergency expenses or travel delays

World2Cover assessment will be based on your policy terms and conditions and individual facts and circumstances.

Is it possible to cancel my World2Cover Travel Insurance policy?

If you decide World2Cover travel insurance is not for you after all, there are two avenues for cancelling. The first is the easiest: you can cancel your policy and receive a full refund if you do so within 21 days of purchasing the policy (so as long as you haven't started your trip or made a claim).

You can still cancel outside the 21 days of cooling off but it's up to World2Cover to assess the circumstance of the request and determine whether any amount will be refunded to you.


Note on the term 'unlimited': Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of the benefit, subject to the specific terms and conditions, and sub-limits and exclusions apply to this benefit.

World2Cover customer reviews

Now that you’ve learnt about World2Cover travel insurance, check out what actual customers from the Mozo Community thought of the product below.

World2Cover travel insurance
1.0

Overall 1.0

1.0

Value for money

1.0

Policy coverage

1.0

Customer service

1.0

Claims handling

1.0

Trust

2 Reviews

Recent World2Cover travel insurance customer reviews Recent World2Cover travel insurance customer reviews

World2Cover logo

World2Cover Travel Insurance review

Overall rating   1 / 10

DO NOT USE WORLD2COVER

I took out a World2Cover policy to cover a ski trip to New Zealand. On my way home from said holiday, the airline failed to load my luggage onto the plane, meaning I was delayed in receiving it. This meant I had no luggage for my next trip which I...

Full review

I took out a World2Cover policy to cover a ski trip to New Zealand. On my way home from said holiday, the airline failed to load my luggage onto the plane, meaning I was delayed in receiving it. This meant I had no luggage for my next trip which I was taking the following day and as a result had to replace the entire contents of my luggage. Although the policy was advertised as up to '$10,000 cover for lost, stolen or delayed' luggage, World2Cover refused to cover even a proportion of the amount I was owed, even citing in their reasoning section '3C Luggage - If You have to buy essential clothing and personal items during Your Trip because Luggage carried by Your Transport Provider is delayed by more than 10 hours, We will pay up to the limits shown in the table below.' They specified in their reasoning that in fact they only cover lost or damaged luggage, and not delayed. DO NOT USE UNDER ANY CIRCUMSTANCES.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Callum, New South Wales, reviewed almost 2 years ago

World2Cover logo

World2Cover Travel Insurance review

Overall rating   1 / 10

World2Cover travel insurance - no thank you

Very disappointed with the World2Cover travel insurance product. My experience was totally frustrating when making a claim. It appeared to me the company line is to continually say NO and rely on the customer to lose patience with the process...

Full review

Very disappointed with the World2Cover travel insurance product. My experience was totally frustrating when making a claim. It appeared to me the company line is to continually say NO and rely on the customer to lose patience with the process and give up. No, l would not recommend using the World2Cover travel insurance product.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

John, Victoria, reviewed almost 2 years ago

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