GoLocal Travel Insurance
GoLocal provides cover for domestic travel around our backyard with two plan options.
GoLocal Comprehensive provides higher benefits levels. If you are taking a cruise, you must select the Cruise pack under the Comprehensive plan if you wish to have cover while cruising. Some Pre-existing Medical Conditions are automatically covered under the Comprehensive plan. Cover for Pre-existing Medical Conditions which are not automatically covered may be available following application to and acceptance by our Customer Care Medical Assessment Team who can be contacted on 0800 100 124.
Meanwhile, GoLocal Cancellation Only has been designed for those who want cover for cancellation costs, should you be forced to cancel your trip before you go.
Selected cover for epidemic and pandemic diseases (such as Covid-19)
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 plan you have selected is right for you. Cover will apply until the cover end date shown on your Certificate of Insurance, or until you return to your normal place of residence, whichever is the earlier date.
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. All costs and expenses must be reasonable. Terms, conditions, limits, sub-limits and exclusions apply as set out in the Policy Wording. Benefits are per insured person and the benefits limits are shared for dependent children.
Section 1: Cancellation/Travel Disruption Benefits
| Section 1: Cancellation/Travel Disruption Benefits |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 1.1 Cancellation of Journey*^ |
$15,000 |
$600 |
| 1.2 Additional Expenses* |
$15,000 |
Nil |
| 1.3 Alternative Transport Expenses |
$5,000 |
Nil |
| 1.4 Travel Delay Expenses* |
$2,000 |
Nil |
| 1.5 Epidemics and Pandemics* |
$15,000 |
$600 |
Section 2: Medical Benefits
| Section 2: Medical Benefits |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 2.1 Medical Expenses* |
$2,500 |
Nil |
| 2.2 Emergency Dental Expenses |
$1,000 |
Nil |
| 2.3 Funeral Expenses |
$5,000 |
Nil |
Section 3: Life Benefits
| Section 3: Life Benefits |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 3.1 Accidental Death or Permanent Disablement |
$15,000 |
Nil |
Section 4: Personal Baggage Benefits
| Section 4: Personal Baggage Benefits |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 4.1 Personal Baggage* |
$6,000 |
Nil |
| (Limit for each individual item or set of items) |
$1,000 |
Nil |
| 4.2 Emergency Baggage* |
$450 |
Nil |
Section 5: Rental Vehicle Excess
| Section 5: Rental Vehicle Excess |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 5.1 Rental Vehicle Excess |
$6,000 |
Nil |
Section 6: Personal Liability
| Section 6: Personal Liability |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 6.1 Personal Liability |
$250,000 |
Nil |
Section 7: Cruise Pack (Additional Extra)
| Section 7: Cruise Pack (Additional Extra) |
GoLocal Comprehensive
Maximum Benefits |
GoLocal Cancellation Only
Maximum Benefits |
| 7.1 Medical Expenses While Cruising* |
$10,000 |
Nil |
| 7.2 Evacuation - Ship to Shore |
$25,000 |
Nil |
| 7.3 Cabin Confinement |
$500 |
Nil |
| 7.4 Pre-paid Shore Excursion Cancellation |
$1,000 |
Nil |
The Cruise Pack can be added on the next page for an additional premium. If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.
*Sub-limits apply - please read the GoLocal Travel Insurance Policy Wording in full for details.
^You will only have cover under Section 1.1d) if you purchase the GoLocal Comprehensive Plan.