Worldcare Travel Insurance

Worldcare

For a locally-owned travel insurance company backed up by global insurers, look no further than Worldcare travel insurance. Offering a range of policies for all Australians, Worldcare have got you covered no matter what your next trip entails. Read on for some of the key policy features, important details and possible exclusions of Worldcare travel insurance policies.

About Worldcare

Operating in Australia for over 20 years, Worldcare is a locally-owned travel insurance company with policies underwritten by Allianz, one of the world’s largest insurers. Based in Brisbane, Worldcare has a staff of 550, including doctors, translators and logistical experts, all ready to help you 24 hours a day. Worldcare won Mozo’s 2014 Expert’s Choice silver medal for Best Value Comprehensive Cover and bronze medal for Best Value Basic Cover.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

Worldcare travel insurance policies

Worldcare offers travel insurance policy options including Comprehensive, Budget or Frequent Traveller cover. There are also options to remove excess or opt for extra cover for specific items and you can choose from a single, duo or family policy type.

Worldcare also offers Australia-only policies for all your domestic travel needs, but here at Mozo, we only compare international travel insurance.
Take a look at our handy table below for a rundown of the policies available with Worldcare travel insurance:

  • 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 problems

  • 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

    • Budget

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $12,000

    • $75,000

    • $75,000

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    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 problems

  • 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

    • Budget

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $12,000

    • $75,000

    • $75,000

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    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 problems

  • 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

    • Budget

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $24,000

    • $150,000

    • $150,000

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • $6,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    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 problems

  • 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

    • Frequent Traveller (37 days)

    • Per policy

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $24,000

    • $150,000

    • $150,000

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • $6,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    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).


Features and fine print to look out for in Worldcare travel insurance policies

Pre-existing medical conditions:

Most travel insurance policies will require you to disclose any pre-existing medical conditions, some of which will be covered automatically and without any extra charge. Worldcare travel insurance covers 43 such conditions, provided that you have not been hospitalised for them within the past 24 months.

Fine print: Some other restrictions do apply to some of the conditions, for example, type 2 diabetes is covered, but only as long as you were diagnosed over 12 months ago, have no eye, kidney or nerve complications, and do not also suffer from cardiovascular disease. You can apply for cover of any pre-existing condition not automatically covered, but a higher premium will apply.

If you’re travelling with a pre-existing medical condition, always be sure to read your PDS carefully, and take a look at Mozo’s guide to finding travel insurance that will cover you.

Travelling while pregnant:

If your pregnancy is a single, uncomplicated pregnancy Worldcare travel insurance will cover you up to the 26th week, with your pregnancy considered an automatically covered, pre-existing condition. If you’re having twins, or if your pregnancy is the result of assisted fertilisation, you’ll be able to get cover, up to the 19th week for the former or the 26th for the latter, but an extra premium will apply.

Fine print: If you’ve experienced complications in your pregnancy, or if you’re having a multiple pregnancy by assisted fertilisation, you won’t be covered under Worldcare travel insurance policies. There is also no cover for antenatal care, childbirth or newborn care under any Worldcare policy.

Mozo’s travel insurance guide for pregnancy has heaps of helpful information if you need to know more.

Age limits:

Comprehensive Worldcare travel insurance policies are available to travellers 85 years and younger, while Basic or Frequent Traveller policies are available only to those 71 and under.

Fine print: If you’re 86 years or over, you unfortunately won’t be covered by any Worldcare travel insurance policy. For some pre-existing medical conditions, age also affects whether or not you will be covered, and whether or not you will need to pay a higher premium.

Check out our guide to travel insurance for over 55s if you’d like some more information.

Extending your Worldcare travel insurance:

It’s usually not good news if you have to extend your trip because your flight is delayed, or something else has gone wrong, but the upside is that if this happens, your Worldcare travel insurance cover will be extended free of charge.

Fine print:  If you’re extending for any other reason - maybe you’re having too much fun to stop now - you will have to apply for an extension before the date that your original policy expires (7 days before if applying by post) and pay an extra premium. Sometimes pre-existing medical conditions that aren’t automatically covered may not be covered by an extension, so make sure to check with Worldcare if this is something that applies to you.

Travelling with dependents:

Travelling with family can be a lot of fun - or it can be very stressful when things go wrong. Worldcare is making it that much easier by covering dependant children under 21 for free on your travel insurance policy. A single policy will cover you and the dependants travelling with you, or a family policy will cover you and the members of your family travelling with you, including dependants.

Fine print: To be considered dependant, someone needs to be:

Under some benefits of your policy, dependants will have a different limit for claims.

Cooling off period:

If for some reason you decide you don’t want your Worldcare travel insurance policy anymore, you have a cooling off period of 14 days, during which you can cancel your cover for a full refund of your premium.

Fine print: You aren’t entitled to a refund if

Important details for making a successful travel insurance claim with Worldcare travel insurance

The process of making a claim with Worldcare travel insurance can be made much easier and more successful by keeping in mind a few key details. These are general exclusions and rules that you need to follow when making a claim and by knowing them before you leave, you can make it easier for yourself when you return home. So, keep in mind that:

Making a claim with Worldcare travel insurance

There are three ways to start the claims process with Worldcare:

Call them. You can call Worldcare and speak to one of their claims consultants, who can walk you through the process

Submit a claim online. The easiest way to submit a claim on your Worldcare travel insurance is online through their website.

Worldcare can email you a claims form, which you fill out and then send in via post.

When you fill in your claims form, remember to have all the relevant details and documents on hand to make the process quick and easy. These could include:

You should submit your claim no later than 30 days after your return to Australia.

Worldcare customer reviews

The Mozo community has rated Worldcare travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Worldcare travel insurance

Overall 7.9*

Value for money

Trust

15 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Worldcare travel insurance reviews Recent Worldcare travel insurance reviews

Worldcare

Worldcare travel insurance review

Overall rating   10 / 10

Value cover

Great rates. Highly recommended. Have used them for the past 4 years of cruises.

Full review

Great rates. Highly recommended. Have used them for the past 4 years of cruises.

    Value for money   10 / 10

    Trust   10 / 10

Less

Trevor (TAS), reviewed about 1 year ago

Worldcare

Worldcare travel insurance review

Overall rating   6 / 10

Good value.

Easy to buy and no problems.

Full review

Easy to buy and no problems.

    Value for money   6 / 10

    Trust   6 / 10

Less

Karis (QLD), reviewed over 1 year ago

Worldcare

Worldcare travel insurance review

Overall rating   0 / 10

Worldcare - no care, cannot be trusted.

Worldcare Travel Insurance through Allianz cannot be relied upon as they ignore your emails after policy purchase. My priority was to have a travel insurance policy I could rely on and I found their service non existent. My son suffered a seizure...

Full review

Worldcare Travel Insurance through Allianz cannot be relied upon as they ignore your emails after policy purchase. My priority was to have a travel insurance policy I could rely on and I found their service non existent. My son suffered a seizure on a flight. Our first day was spent in a hospital with a doctor's report recommending our son have plenty of rest and less light in the return flight. So I phoned the Worldcare emergency number to be answered by an IVR system, not a person. I then emailed their claims email address in order to get 2 fares changed to better seats for my son and at least one parent. Their response so far: not even an acknowledgement of the email. So, if you want support from your insurance provider, look to another provider. It's also disappointing that their procedures allowed us to fall through the cracks and that management don't appear to have been informed or that the issue hasn't been escalated.

    Value for money   0 / 10

    Trust   0 / 10

Less

Andrew (TAS), reviewed over 1 year ago

Worldcare

Worldcare travel insurance review

Overall rating   8 / 10

Great product

I feel that I get good value for money & I can rest assured that if I even need to claim, I have that peace of mind.

Full review

I feel that I get good value for money & I can rest assured that if I even need to claim, I have that peace of mind.

    Value for money   8 / 10

    Trust   8 / 10

Less

Lyn (QLD), reviewed about 2 years ago

Worldcare

Worldcare travel insurance review

Overall rating   8 / 10

Reliable and affordable travel insurer

Worldcare policies are simple and easy to understand. The claiming process was simple and they kept me up to date along the way as to how my claim was proceeding. Within two weeks of contact I had been reimbursed for my stolen goods. My wallet was...

Full review

Worldcare policies are simple and easy to understand. The claiming process was simple and they kept me up to date along the way as to how my claim was proceeding. Within two weeks of contact I had been reimbursed for my stolen goods. My wallet was actually a gift and hence I had no proof of its value but the insurer still compensated me for this item. I would highly recommend Worldcare, who provide the essential covers of healthcare, property and delays in travel.

    Value for money   7 / 10

    Trust   10 / 10

Less

Erica (NSW), reviewed about 2 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Worldcare travel insurance policies with other Australian Insurers

Not so fast! There’s nothing to lose and everything to gain from taking the time to look over all the travel insurance options available to you. After all, travel insurance is one of the most valuable things you’ll pack for your next trip.

So, here at Mozo we’ve done the hard yards and developed our handy travel insurance comparison tool, so that you can have easy access to a comparison of travel insurance policies that might suit you. All we need from you are a few details, like your destination, travel companions and when you’re leaving.

And before you go, check out our best $20 I’ve ever spent series for some quick tips on how money savvy travellers like to spend an affordable afternoon abroad. We’ve also got a heap of great travel insurance tips, plus articles, news and more over at our travel hub, so be sure to check that out as well!

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