Travel insurances
Back to Best International Travel Insurance Comparison

Worldcare Essential review

Worldcare Essential travel

CHOICE Expert Rating

67%
What is the CHOICE Expert Rating?
Good points

Good Points

No good points available.

Bad points

Bad Points

No bad points available.

Recommended products

Recommended
Not recommended

Scores

CHOICE Expert Rating (%)
67%
Cover score (%)
69%
Price score
64%
Medical cover score
90%
Cancellation cover score
53%
Additional expense cover score
73%
Baggage cover score
33%

Description

Policy type
One trip
Provider
Allianz

Conditions

Policy age limit
74
Dependant age limit
24

Annual multi-trip

Annual travel duration
N/A

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
24 months

Pregnancy

Pregnancy
Pregnancy stage covered
23
Childbirth costs

Medical

Medical expenses
$20,000,000.00
Expenses for a person to accompany a sick policyholder
$25,000.00
Daily hospital cash allowance
$0.00
Hours of hospitalisation before you receive the daily hospital cash allowance
N/A
Dental expenses for accident or injury
$20,000,000.00
Dental expenses for acute pain
$20,000,000.00
Overseas funeral costs
$60,000.00

Additional expenses

Additional travel expenses for injury or sickness
$25,000.00
Additional expenses for interrupted travel
$25,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for a sick relative
Additional expenses for resumption of journey interrupted for a relative
Cover chosen

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$1,500.00
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$5,000.00
Item limit
$750.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$1,000.00
Prescribed medications
$750.00
Baggage in a car during the day
$2,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$0.00
Baggage lost temporarily
$500.00
Hours before cover applies for baggage lost temporarily
10

Special event

Additional expenses for a special event
$0.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Travel delay expenses
$2,000.00
Hours before travel delay covered
6
Limit per 24 hours for travel delay
$250.00

Car rental

Rental car excess
Limit for rental car excess
$3,000.00

Activities

Mopeds and motorcycles
Snow sports
Scuba diving
Abseiling
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
White water rafting

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Includes cancellation and additional expenses for transport accident
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical and additional expenses if the policy holder contracts COVID-19
  • Cancellation expenses up to the cancellation cover limit if the policy holder or a close relative contracts COVID-19
  • Excludes cancellation expenses if a close relative contracts COVID-19
Pandemic
  • Includes medical, additional and cancellation expenses for pandemics other than COVID-19
  • Excludes additional expenses for transport interrupted by pandemics other than COVID-19
Natural disaster
1
Civil unrest
1
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
$20,000,000.00
Cancellation
Yes Cover chosen
Baggage
Yes 5000
Cruises

More products in this test

1Cover Medical Only
55

1Cover Medical Only
Go Insurance Go Plus
61

Go Insurance Go Plus
RACV Basics
59

RACV Basics

Looking for user reviews?

We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.