World2Cover travel insurance

Most benefits in your travel insurance cover will begin from the start of your trip, listed in your COI (Certificate of Insurance). However, you may be covered by cancellation cover from the moment you purchase your travel insurance policy.

You can claim with World2Cover online, over the phone, via email or by mail.

World2Cover also offers 24/7 assistance for any medical emergency while overseas by phoning their World2Cover emergency assistance line.

You will need to provide World2Cover with supporting documentation for your claim. So, if you were claiming for a medical incident, you may need to supply medical documentation and receipts for World2Cover to process your claim.

Excesses do apply to World2Cover Travel Insurance policies. The exact excess you have to pay will be outlined in your COI and PDS. Your total excess will also depend on your level of cover and what you’re claiming for.

You may have the option to pay a higher premium to reduce the excess on your claim or vice versa. Weigh up which cost would be the more significant to you before making your decision, bearing in mind that you’ll need to pay whatever amount is required should you need to claim.

World2Cover provides coverage for a range of pre-existing medical conditions, including pregnancy, although restrictions may apply. In some circumstances, World2Cover may ask that you complete an online medical assessment to decide whether you can be insured for certain pre-existing medical conditions and if any additional premium applies.

It’s very important that you disclose any medical conditions you have when taking out insurance, as your claim may be denied if you don’t.

World2Cover offers rental vehicle excess cover automatically under their top, essentials, annual and domestic policies if you’re in an accident or your rental vehicle is stolen. It may also cover accidental damage to windscreens and tyres, up to the benefit limit of the policy. Rental car excess isn’t covered under a basic policy.

If you need urgent assistance while overseas, you can call World2Cover’s 24/7 emergency assistance helpline (reverse charge from overseas).

You may be asked to provide the following information:

• your policy number
• a contact number
• your current location
• the nature of your emergency
• the details of the incident.

However, if there’s an emergency, you first need to contact the relevant authorities of the country you’re in. This would be an ambulance service or hospital in the case of a medical emergency or the police if it’s a criminal incident. Once this is done, you can contact World2Cover.