GoComprehensive Travel Insurance
For international travel only
The Worldcare GoComprehesnive plan provides a comprehensive level of cover.
Selected cover for epidemic and pandemic diseases
(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 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 |
| 1i. Epidemics and Pandemics |
$100,000 |
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.
