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.
Comprehensive Travel Insurance
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GoComprehensive Travel Insurance

For international travel only

The Worldcare GoComprehesnive plan provides a comprehensive level of cover.

Selected cover for epidemic and pandemic diseases

Worldcare policies include selected cover for epidemic and pandemic diseases such as Covid-19. There is a provision to claim for cancellation and medical expenses should you contract an epidemic or pandemic disease such as Covid-19 after purchasing your policy. Cover for medical claims directly related to an epidemic or pandemic such as Covid-19 will only apply if you contract the disease after you commence your journey. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered. Terms, conditions, limits, sub-limits and exclusions apply and these are set out in the Policy Wording.

Read the Schedule of Benefits and Worldcare Travel Insurance Policy Wording to determine if the GoComprehensive plan is right for you

Schedule of Benefits

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.

Section 1: Cancellation/Travel Disruption Benefits
Section 1: Cancellation/Travel Disruption Benefits Maximum Benefits
1a. Loss of deposits* $100,000
1b. Cancellation of Journey Paid in Full $100,000
1c. Curtailment $100,000
1d. Missed connection $10,000
1e. Travel Delay $10,000
1f. Frequent flyer points $4,000
1g. Resumption of travel $5,000
1h. Strikes / hijacks $5,000
Section 2: Medical Benefits
Section 2: Medical Benefits Maximum Benefits
2a. Overseas Medical Expenses* Unlimited
2b. Terrorism – Overseas Medical Expenses $200,000
2c. Emergency Dental  
       - Emergency Dental- Pain relief only $1,000
       - Emergency dental – as a result of injury $3,000
2d. Incidental hospital expenses* $4,000/$50 per day
2e. Accompanying person $15,000
Section 3: Life Benefits
Section 3: Life Benefits Maximum Benefits
3a. Funeral expenses $15,000
3b. Accidental death or Permanent Disablement $25,000
3c. Accidental death or Permanent Disablement As a result of terrorism $20,000
Section 4: Baggage, Personal Effects And Money Benefits
Section 4: Baggage, Personal Effects And Money Benefits Maximum Benefits
4a. Personal baggage– total limit (including any Items insured in Section 4c) $15,000
       - Personal Baggage – item limit $1,500
       - Personal Baggage - Special limit (electronic equipment, video and camera equipment) $2,500
4b. Emergency baggage* $1,000
4c. Specified High Value Items  
       - Maximum Value Per Item $10,000
       - Maximum Total Value $15,000
4d. Travel documents $2,000
4e. Personal Money $500
Section 5: Personal Liability Benefits
Section 5: Personal Liability Benefits Maximum Benefits
5a. Rental vehicle excess $5,000
5b. Personal liability $1,000,000

*Sub-limits apply - please read this Policy Wording in full for details.

Note all limits and premiums are in New Zealand dollars.

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:

C++, C+(Marginal)
E(Under Regulatory Supervision)
A, A-(Excellent)
C, C-(Weak)
F(In Liquidation)
B++, B+(Good)
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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