When considering the purchase of a policy, please note that many travel insurance policies will not cover claims or financial losses related to epidemics or pandemics. Additionally, the fear of traveling is not covered by any travel insurance policy. Please review the policy details or contact us for more information.
When considering the purchase of a policy, please note that many travel insurance policies will not cover claims or financial losses related to epidemics or pandemics. Additionally, the fear of traveling is not covered by any travel insurance policy. Please review the policy details or contact us for more information.
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Compare Worldcare Travel Insurance Plans
About Worldcare Travel Insurance
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For international travel only

The table below sets out a summary only of the cover that is provided under each plan and the most we will pay in total for all claims under each section.

Important - please note: a maximum total limit applies for all claims by all insured persons under certain sections and other limits, sub-limits, conditions and exclusions apply. Where used, 'unlimited' only means that there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in your Policy Wording, particularly in sections 1a, 1,c, 1d, 1e, 1f, 1g, 1j, 2a, 2c, 2d, 2e, and 2f. Under Section 2 (MEDICAL BENEFITS), We will only pay for costs incurred within 12 month of the Illness or Injury. You do not have cover under certain sections of this policy while traveling in NEW ZEALAND. All costs and expenses claimed must be reasonable.

Schedule of
Benefits
Section 1: Cancellation /
Travel Disruption
1a. Loss of Deposits*
1b. Cancellation of Journey Paid in Full
1c. Curtailment
1d. Missed Connection
1e. Travel Delay
1f. Frequent Flyer Points
1g. Resumption of Travel
1h. Strikes / Hijacks
Section 2: Medical Benefits
2a. Overseas Medical Expenses*
2b. Terrorism – Overseas Medical Expenses
2c. Emergency Dental Expenses
Emergency Dental Expenses – pain relief only
Emergency Dental Expenses – as a result of injury
2d. Incidental Hospital Expenses*
2e. Accompanying Person
Section 3: Live Benefits
3a. Funeral Expenses
3b. Accidental Death or Permanent Disablement
3e. Accidental Death or Permanent Disablement as a Result of Terrorism
Section 4: Baggage, Personal Effects
And Money Benefits
4a. Personal Baggage – Total limit (including any items insured in Section 4c)
Personal Baggage – Item Limit
Personal Baggage – Special Item Limit (electronic equipment, video and camera equipment)
4b. Emergency Baggage*
4c. Specified High Value Items
Maximum Value Per item
Maximum Total Value
4d. Travel Documents
4e. Personal Money
Section 5: Personal Liability Benefits
5a. Rental Vehicle Excess
5b. Personal Liability

GoComprehensive

Policy Wording
$100,000
$100,000
$100,000
$10,000
$10,000
$4,000
$5,000
$5,000
Unlimited
$200,000
 
$1,000
$3,000
$4,000
$15,000
$15,000
$25,000
$20,000
$15,000
$1,500
$2,500
$1,000
 
$10,000
$15,000
$2,000
$500
$5,000
$1,000,000

GoFreedom

Policy Wording
$100,000
$100,000
$100,000
$10,000
$10,000
$4,000
$5,000
$5,000
Unlimited
$200,000
 
$1,000
$3,000
$4,000
$15,000
$15,000
$25,000
$20,000
$15,000
$1,500
$2,500
$1,000
 
$10,000
$15,000
$2,000
$500
$5,000
$1,000,000

GoBudget

Policy Wording
$5,000
$5,000
$5,000
$500
$500
Nil
Nil
Nil
$250,000
Nil
 
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$2,000
$500
$500
$250
 
Nil
Nil
$250
Nil
Nil
$400,000
Schedule of
Benefits
Section 1: Cancellation /
Travel Disruption
1a. Loss of Deposits*
1b. Cancellation of Journey paid in full
1c. Curtailment
1d. Missed connection
1e. Travel Delay
1f. Frequent flyer points
1g. Resumption of travel
1h. Strikes / hijacks
Section 2: Medical Benefits
2a. Overseas medical expenses*
2b. Terrorism – Overseas Medical Expenses
2c. Emergency dental
Emergency dental – pain relief only
Emergency dental – as a result of injury
2d. Incidental hospital expenses*
2e. Accompanying Person
Section 3: Life Benfits
3a. Funeral expenses
3b. Accidental death or Permanent Disablement
3c. Accidental death or Permanent Disablement as a Result of terrorism
Section 4: Baggage, Personal Effects
And Money Benefits
4a. Personal Baggage – total limit (including any items insured in Section 4c)
Personal Baggage – item limit
Personal Baggage – Special limit (electronic equipment, video and camera equipment)
4b. Emergency Baggage*
4c. Specified High Value Items
Specified High Value Items - Maximum Value Per Item
Specified High Value Items - Maximum Total Value
4d. Travel documents
4e. Personal Money
Section 5: Personal Liability Benefits
5a. Rental vehicle excess
5b. Personal liability

GoBudget

$5,000
$5,000
$5,000
$500
$500
Nil
Nil
Nil
$250,000
Nil
 
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$2,500
$500
$500
$250
 
Nil
Nil
$500
Nil
Nil
$500,000
Schedule of
Benefits
Section 1: Cancellation /
Travel Disruption Benefits
1a. Loss of Deposits*
1b. Cancellation of Journey paid in full
1cb. Curtailment
1d. Missed connection
1e. Travel Delay
1f. Frequent flyer points
1g. Resumption of travel
1h. Strikes / hijacks
Section 2: Medical Benefits
2a. Overseas medical expenses*
2b. Terrorism – Overseas Medical Expenses
2c. Emergency dental
Emergency dental – pain relief only
Emergency dental – as a result of injury
2d. Incidental hospital expenses*
2e. Accompanying Person
Section 3: Life Benefits
3a. Funeral expenses
3b. Accidental death or Permanent Disablement
3c. Accidental death or Permanent Disablement as a Result of terrorism
Section 4: Baggage, Personal Effects
And Money Benefits
4a. Personal Baggage – total limit (including any items insured in Section 4c)
Personal Baggage – item limit
Personal Baggage – Special limit (electronic equipment, video and camera equipment)
4b. Emergency Baggage*
4c. Specified High Value Items
Specified High Value Items - Maximum Value Per Item
Specified High Value Items - Maximum Total Value
4d. Travel documents
4e. Personal Money
Section 5: Personal Liability Benefits
5a. Rental vehicle excess
5b. Personal liability

GoComprehensive

Unlimited
Unlimited
Unlimited
$15,000
$15,000
$5,000
$10,000
$10,000
Unlimited
$250,000
 
$1,000
$3,000
$4,000
Nil
$25,000
$50,000
$25,000
$25,000
$1,500
$2,500
$1,500
 
$10,000
$15,000
$3,000
$500
$6,000
$2,500,000
Schedule of
Benefits
Section 1: Cancellation /
Travel Disruption Benefits
1a. Loss of Deposits*
1b. Cancellation of Journey paid in full
1c. Curtailment
1d. Missed connection
1e. Travel Delay
1f. Frequent flyer points
1g. Resumption of travel
1h. Strikes / hijacks
Section 2: Medical Benefits
2a. Overseas medical expenses*
2b. Terrorism – Overseas Medical Expenses
2c. Emergency dental
Emergency dental – pain relief only
Emergency dental – as a result of injury
2d. Incidental hospital expenses*
2e. Accompanying Person
Section 3: Life Benefits
3a. Funeral expenses
3b. Accidental death or Permanent Disablement
3c. Accidental death or Permanent Disablement as a Result of terrorism
Section 4: Baggage, Personal Effects
And Money Benefits
4a. Personal Baggage – total limit (including any items insured in Section 4c)
Personal Baggage – item limit
Personal Baggage – Special limit (electronic equipment, video and camera equipment)
4b. Emergency Baggage*
4c. Specified High Value Items
Specified High Value Items - Maximum Value Per Item
Specified High Value Items - Maximum Total Value
4d. Travel documents
4e. Personal Money
Section 5: Personal Liability Benefits
5a. Rental vehicle excess
5b. Personal liability

GoFreedom

Unlimited
Unlimited
Unlimited
$15,000
$15,000
$5,000
$10,000
$10,000
Unlimited
$250,000
 
$1,000
$3,000
$4,000
Nil
$25,000
$50,000
$25,000
$25,000
$1,500
$2,500
$1,500
 
$10,000
$15,000
$3,000
$500
$6,000
$2,500,000

*Sub-limits apply - refer to your policy wording for details.

Worldcare Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611) and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). AWP Services New Zealand Limited holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Read AWP Services New Zealand Limited FAP Disclosure statement here. You should consider the Policy Wording before making any decisions about your insurance policy.

The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M.Best Company Inc. The rating scale is:

A++,A+(Superior)
C++, C+(Marginal)
E(Under Regulatory Supervision)
A, A-(Excellent)
C, C-(Weak)
F(In Liquidation)
B++, B+(Good)
D(Poor)
S(Suspended)
B, B-(Fair)

Further information on these ratings is available here.

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

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