Beware will not cover natural disaster eg Hurricanes for pre paid tickets/ hotels - stay away
I have used a number of travel insurance companies in my life but world2cover are an absolute nightmare.
I ended up taking the highest cover in case of any issues for travel to Florida USA. I pre booked flights hotels etc. Only to find two days before my flight was due, Hurricane Dorian was set to hit Florida and a category 5 warning had been given. I called world2cover for advice to confirm if they will cover, altering our flights, I was on hold in a call center for 30 minutes and finally the support member said they could not advise yes or no...
Terrible customer service
Got Andrea on the phone trying to insure my teenager travelling alone. Andrea was rude and condescending and affirmed that my child was travelling alone even though she is using an unaccompanied minor service at the airport and will be delivered and collected at the airport by an adult.
A week prior, when calling that same company they told me that it was ok to insure a child but as an adult.
Very misleading information from this insurance company
AVOID THIS COMPANY! 2 legitimate claims denied
Claim 1 -missed my connecting flight from Paris to Bordeaux
-the boarding pass machine printers at Paris airport couldn't recognize my Australian passport;
tried multiple times to get a printout of the boarding pass
- by the time I was sent to the counter by an airport staff , I found out that the plane has left
-was left with no choice but to purchase 360 euros ticket for the next days flight and had
to sleep overnight in scary Paris airport
Easy and streamlined
I organised travel insurance within minutes on their website and when I needed to claim a phone lost overseas the claims process was also relatively easy.
Only reason the review is 4 instead of 5 is that when had my phone stolen/lost while travelling I contacted them immediately to find out what I would need to do to file successfully when I returned but didn’t get clear advice at all.
I’d suggest that if anything is lost or stolen, file a police report in the country you’re visiting as this made it so much easier when I submitted my claim. The claims person I dealt with when I returned was also very prompt and helpful.
I’d use them again without hesitation.
DON"T USE World2Cover. Worst insurance company
World2Cover asked twice for more information/quotes. Then took 10 business days to get back to me each time. They then denied my damaged luggage claim because the policy apparently didn't cover it. I asked for an internal review before taking it to FOS. They eventually paid the claim but continued to delay as much as posible hoping that I would give up. I will never use this company again because they were finding anything and everything to deny my claim so I would go away.
Watch out for * against luggage limit
We lost prescription glasses and only got $400 back - ($500 less excess). The luggage limit says $7,500 but in reality they determine the limit on items which will never cover replacement of the lost item.
- Verified customer
Terrible is an understatement
If you are looking for travel insurance cover look elsewhere.
The cover offered online might look fantastic but if it happens that you require to claim you might as well not bother trying. We purchased a policy to cover us for 10 days for a family trip to Bali, when our return flights were cancelled due to volcanic ash we weren't entitled to cover because the World2Cover website has a small warning in fine print since 2017 advising that due to the re-occurring eruptions policy holders are not to be covered for any cancellations. Mind you this ...
Prompt claim payment with minimal fuss
We took out a family travel cover policy for North America, including optional ski cover. Quote was very competitive and inclusions were good.
During the trip my wife required treatment for a rash. After a visit to the GP (resulting in steroid tablets and cream being prescribed), the rash worsened. Being Easter weekend we attended the emergency department. The doctor indicated that the rash was quite severe, gave her a steroid injection, and prescribed antibiotics as Cellulitis appeared to be a possibility.
Being the US, the ER trip came ...
Simple claim for lost item. Never had any intention of meeting claim. Claims officer was condescending in his manner. Based claim denial on an assumption made on his behalf. Refused to listen to reason or further clarifying explanation. Highly recommend avoidance of this company.
April 9th 2019 Update: Condescending
Legitimate claim denied. Claims officer was condescending. I was made to feel like a liar and a fraud. In essence did not believe a word of my claim. Save yourself the hassle, insure with someone else.
- Verified customer
We selected World2cover because they were highly rated by Choice as good value. What a mistake we made.
We got their top cover option, partner had an accident and was hospitalised for operation. Firstly the World2cover insurer is Tokio Marine, as noted by another review here they use a USA based emergency assist service called On Call, all the paperwork you fill out uses US terminology e.g provide your social security number, their claim templates were broken - this make difficult situation even more difficult especially when you are trying t...o do everything from a mobile phone. I contacted On Call within the first hour and from that moment got no assistance at all, they are simply a gatekeeper for the insurer to limit costs, their main interest is minimising what your accident costs the insurer, getting you to complete and collect complicated paperwork and give you unnecessary instructions. For example, even though my partner broke a bone, they tried to send me on a wild goose chase to provide them with GP medical records in Australia for the past year - totally unnecessary. Because I had to extend my trip to stay with my partner my insurance with them expired, despite asking On Call, Tokio Marine and World2cover none of them could tell me if they were going to extend my cover for free, so I was left overseas uninsured by them. The examples of how they made dealing with this accident so much worse are many and are likely to be subject to a Financial Ombudsman Services complaint. I will never never never use World2cover again and in the future I will check out who the assistance company, used by the insurer, is and look into them. I will also never use any other insurance product from Tokio Marine.
- Verified customer
Great cover, and fats payment.
I paid for travel insurance for 6 weeks in Europe, with ski cover. When skiiing in Austria, I had a fall and ended up being air lifted to hospital, then stayed in hospital overnight. World2cover and Tokio Marine ended up paying for the helicopter flight, the stay in the hospital, and the medications I needed, totalling about AU$7200. They paid the companies direct, and were responsive with everything I asked of them. Great cover and no isses at all!
Slow and unprofessional
I had a legitimate claim. At the beginning of 2019, I was hospitalised in Spain for 5 days. I followed all instructions correctly, I called their emergency number and they authorised the hospitalisation, they were super helpful, they kept on in the phone for half an hour reassuring me that this was to prevent any delays with the payments; they also said that if the bill exceeded $2000, they would pay the bill directly.
It sounded great but it wasn't true at all. It turns out that the emergency number is some sort of glorified call centre in t...he USA, they authorise things and then they do absolutely nothing else. After 5 days in hospital, with lots of tests, I was left with a bill of almost $4000. Of course, when I called the call centre to organise payment they said that it really doesn't work that way, that I had to now submit a claim to World2Cover (didn't I just spent half an hour in the phone with their representative in the emergency number a few days before?). And that then, they would have to investigate... I of course told them that they had all that info (I am still talking with the emergency number) and that they could have sped things up but they didn't! I then filed the claim and received an automated message advising that they would take no longer than 10 days in answering my claim. After 11 days (and a very grumpy call from me), they answered... they now needed copies of the documents and I had to fill in some more forms. This routine continued a few times, every time they waited the 10 days before requesting yet another document that could've been on the initial list (e.g., after 1 month, they requested a bank statement showing how much I actually paid including fees etc). I had to call them several times and one of those times they sort of apologised for the delays (12 business days since I had submitted the last bits) and said that my claim had been approved and that it would take a couple more days. 5 days later the settlement letter arrived. Almost two months after the incident, I recovered my almost $4000. I will never use them again and I will never recommend them to anyone: 1. the emergency number is just a glorified call centre, they are ok to authorise hospitalisation but they don't do anything else. The return call didn't work, I used my money to call and then they called me back, making the process more expensive... yes, it is my health and I will always use my money with no hesitation but it is not what it was promised in the policy! 2. Either they are slow and incompetent, or they are competent and go slowly on purpose so they delay the payment. 3. When I called World2Cover they couldn't tell me anything because my "claim manager" or something like that wasn't there... they couldn't do anything!!! I would request a callback and they would never call me back
We bought World2Cover top cover travel insurance for our trip to NZ at the end of last year. We hired a car through Europcar, and near the end of the trip a stone chip on the windscreen from a truck going the other way on a newly surfaced road developed into a crack. Later the hire car company processed the damage report, and we paid the bill (which was the windscreen repair, plus moderate amounts for the car being off the road during repair for one day, and a service fee.) What I expected was that they would pay the Damage Liability Fee (which...they call Excess or Deductible), (translated to $AU minus the claim excess of $100). They only paid the actual windscreen repair (minus $100 excess) and could not see that the other fees should be included. They could not show me any evidence that they were paying what the PDS claimed. I received A$101 for many hours of frustration. Avoid them and go elsewhere.
- Verified customer
Be careful of the rental vehicle cover and where you park the car as you may have no cover
In relation to their international travel cover please be aware that if you park your car off a public roadway, for example a driveway, motel car park and a shopping centre car park you will have no cover if the car is stolen or damaged. I noticed their policy has an exclusion saying that they do not cover "loss or damage that occurs beyond a public roadway", I emailed them for clarification & two separate emails from their staff have confirmed that cover is ONLY while the car is on a roadway, not in a driveway, or any off street car park.
So their cover for car theft is very limited, after all, the only time your vehicle CAN be stolen is when it's parked.
Can't contact them on Reverse Charges Call
Had our credit cards stolen while in the USA, tried to call reverse charges , but that is no longer available, had no credit card to pay for a standard call, so we were stranded. Luck for us VISA came to the rescue and had new cards issued in 24 hours. A 24 hr help line is useless unless it is contactable.
- Verified customer
Affordable and easy travel insurance
Have used this company twice and was referred to them by the Entertainment Book. Really affordable and easy to make a claim. Everything was sorted within 1 week of claiming. I’ve travelled a lot and never had to claim in the past. Will be using them again!
Still waiting on genuine claim
Still waiting 1 month after genuine claim for Qantas flight cancellations and the costs involved. This is the first time we have used World2Cover and only the second claim we have ever had in 20 years of travel. Will wait to see if our claim is successful.
Slowest claim review process ever, do not waste your time!
This insurance company is terrible. Do not waste your time.
They say they respond within 10 working days and every time they take the full 10 days minimum to respond to your claim.
Then surprise, surprise, they have more questions and yet another 10 days.. then again, now up to 2 months and I have thrown the towel in and given up. Just not worth the effort as they obviously do not like to pay out claims. Not. Large claim either.
Warning-stay away very unprofessional.
My friend used Australia Post for a similar claim and had no problems, claim solved within a week.
Shop elsewhere- you will be wasting your time with these people.
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