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World2Cover Travel Insurance

World2Cover

World2Cover has a number of high quality travel insurance policies that will cover your wherever you are in the world - from the slopes to the sea. You can check out the policies below to see many of their options.

World2Cover also cleaned up in the 2018 Mozo Experts Choice Travel Insurance Awards, winning 10 different awards across 6 categories as well as the highly coveted Travel Insurer of the Year Award. 

About World2Cover

Travel insurance is the name of the game for World2Cover, a focus that helped it take out the major Travel Insurer of the Year Award during the 2018 Mozo Experts Choice Awards. World2Cover is underwritten by the Tokio Marine Group, one of the oldest and largest insurance companies in the world.

Rates and fees verified as correct at 15 October, 2019. Other information correct at the time of writing.

World2Cover plans

For single travellers and families alike, World2Cover has a number of policy options and a wide range of benefits. So whether you’re looking for the barebones Basics package or the more extensive Top package, there’s an option to help you get the cover you need. Here are some of the features and benefits for each policy:

  • Events

  • Limits shown apply

  • 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 person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $2,000

    • $5,000

    • Unlimited

    • $1,500

    • $5,000

    • $10,000,000

    • 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 person

    • Unlimited

    • Unlimited

    • 100

    • $25,000

    • Events
    • $7,500

    • $25,000

    • Unlimited

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $25,000

    • $10,000,000

    • 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
    • Top

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • Unlimited

    • $10,000,000

    • 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
    • Annual Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • Unlimited

    • $10,000,000

    • 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
  • Events

  • Limits shown apply

  • 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 policy

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $4,000

    • $10,000

    • Unlimited

    • $3,000

    • $10,000

    • $10,000,000

    • 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 policy

    • Unlimited

    • Unlimited

    • 100

    • $50,000

    • Events
    • $15,000

    • $50,000

    • Unlimited

    • $3,000

    • $7,000

    • $30,000

    • $30,000

    • $10,400

    • $3,000

    • $3,000

    • $3,000

    • $4,000

    • $50,0000

    • $10,000,000

    • 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
    • Top

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • Unlimited

    • Unlimited

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $20,800

    • $6,000

    • $6,000

    • $6,000

    • $5,000

    • Unlimited

    • $10,000,000

    • 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
    • Annual Multi-Trip (30 days)

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • Unlimited

    • Unlimited

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $20,800

    • $6,000

    • $6,000

    • $6,000

    • $5,000

    • Unlimited

    • $10,000,000

    • 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
= Covered = Not covered

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).


Q1. What is included under World2Cover Travel Insurance cover?

Jumping right in, here’s a list of the coverage you can expect across all of the World2Cover travel insurance policies:

On top of these, the Essentials and Top packages also provide coverage for:

Q2. Are pre-existing medical conditions covered under World2Cover Travel Insurance?

World2Cover has a list of pre-existing medical conditions which it covers automatically. These include things like: bunions, cataracts, gout, and diabetes. Although, many of these conditions come with specific requirements you need to meet before you get covered, such as not having been hospitalised for the condition in the past 12 months before your trip.

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

Q3. What if I have a medical condition that is not automatically covered under World2Cover Travel Insurance?

If you have a condition you need cover for that is not on the list of pre-existing conditions there’s no need to fear; you may still be able purchase cover. You’ll just need to complete a medical assessment which will determine if you can be insured and how much extra your premium for coverage will be.

Q4. What sporting activities will be covered?

If you’re an active, get out of the house and get the body moving kind of person, then you’ll want to make sure you have coverage when playing sport or a number of other activities while travelling. While each activity has its own rules and conditions, here are some of the activities which you can be covered for:

Make sure to always read the fine print for any activities you’re going to be taking part in, because there may be specific conditions that could make a future claim unsuccessful. For example, if you were skiing off-piste.

Q5. What do I do if there is an emergency during my trip?

If there’s an emergency on your trip it’s best to immediately contact World2Cover’s 24/7 phone line where they will provide you with  assistance depending on your policy.

Q6. 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 at least 14 days before your trips starts. However, if it is less than 14 days before your trip, but you have not left yet, you will need to pay a 10% cancellation fee.

Exclusions to look out for in World2Cover Travel Insurance

While World2Cover policies provide coverage across a range of areas, there are a few circumstances where your policy will not pay out. For example:

How to make a successful claim with World2Cover Travel Insurance

To kick start any claim you’ll want to call or email World2Cover’s claims department 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. It might include:

Medical and dental: all original medical and dental records, certificates and reports.
Stolen luggage and personal effects: you must immediately report it to the police, then get a written report of the incident.
Damaged or misplaced luggage and personal effects: you need to report the incident within 24 hours of you becoming aware of the loss or damage, then acquire a written report from the relevant authority - for example an airline, cruise company or hotel. You may also need to provide information such as:

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

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