expired 25% off World 2 Cover Travel Insurance

630
WW25ENTB

25% off travel insurance.

This is special offer for limited time from Entertainment Book.

Copied from previous deal : Covers u even if you’re sick at the airport which is really important because that’s often a terminal illness.

World2Cover

Related Store: World2Cover

Comments

  • +3 votes

    Omg I’ve been cited

  •  

    Thank you OP!

  • +12 votes

    Had a recent poor experience with World2Cover. We had the top level of cover, with the $0 excess reduction option.

    My mother took a blanket on an OS trip in January. She used it in a 5* hotel we were staying in. It went missing from inside the room - we assume room service took it by accidentally bundling it up with bed sheets. World2Cover denied the claim on the basis of their "unattended" items exclusion. Most travel insurance policies have such an exclusion clearly worded such that it applies only when you have not taken adequate care for your items in public (e.g. leaving things behind or too far away while you're out at a beach or restaurant). They generally cover items that left in a locked hotel room. World2Cover, however, suggested they only covered items on you, or in limited other circumstances (such as in the hold of a ship or plane, or skis in a ski cabinet, or items in a car during the day, despite these items also falling within their ambiguous definition of "unattended"). This could leave you vulnerable. Please read the terms and determine whether they suit your circumstances.

    In my view, the relevant terms were ambiguous and, in certain ways, contravened provisions of the Insurance Contracts Act and/or should (must) be read in favour of the insured. After going through several internal procedures (which World2Cover failed to comply with in terms of timing/means of response), they agreed to cover the claim (without admitting liability, of course). I provided detailed analysis to show how a court or tribunal would interpret their own terms. It was a lot of effort for quite a small claim.

    Perhaps they have amended their terms, so my experience may have been different now.

    • +7 votes

      My mother took a blanket on an OS trip in January. She used it in a 5* hotel we were staying in. It went missing from inside the room - we assume room service took it by accidentally bundling it up with bed sheets. World2Cover denied the claim on the basis of their "unattended" items exclusion. Most travel insurance policies have such an exclusion clearly worded such that it applies only when you have not taken adequate care for your items in public (e.g. leaving things behind or too far away while you're out at a beach or restaurant).

      Most policies have a blanket exclusion for this sort of event.

      But really given the nature of the item was it prudent to leave it in the hotel room in the open? I think that it could be reasonable to foresee this even occurring and put the blanket away in your luggage. The cleaner will assume that the blanket was supplied by the hotel.

      • -5 votes

        VictimBlaming

        • +5 votes

          VictimBlaming

          Sure call it that or you could call it risk mitigation.

        • +1 vote

          Well, I wouldn't consider myself or my mother a victim. I know my rights and how to defend them. But others may not feel so confident and might find value in reading about others' experiences with the insurer. I also know the reality with insurance claims. Insurers usually take a commercial approach - deny claims where possible, or settle valid claims cheaply. Some are more pragmatic than others. Some have better claims and complaints handling processes. I was not impressed with Tokio Marine's approach in any of these respects.

          Whether it's victim blaming or "risk mitigation", I'm not sure what Maverick-au's point was. The opinions weren't relevant to this deal, but (as you note) seemed to focus on criticising me for my mother's decisions. But OK. I'll still try to help others where I think I can.

      • -7 votes

        Never seen a "blanket exclusion", and can't find one now on a brief search. Regardless, there was no such exclusion in World2Cover's policy so it isn't relevant.

        "The nature of the item"? Not sure what you mean. It's an item you take on holiday. It's not a valuable you need to put in a safe to have it covered.
        "Reasonable to foresee"? A contributory negligence defence isn't open to an Insurer so this is irrelevant. We are talking about a contract and whether or not policy wording responds to cover an item of luggage in certain circumstances. That's it. You could also "foresee" a cleaner stealing all your luggage. If you've been "careful" and put all your belongings "away in your luggage", a cleaner (or other hotel guest) could walk out with it all in 2 seconds. A cleaner would not assume a blue blanket - something that is not a white sheet or quilt - is hotel property.

        The correct assessment is whether an insured takes reasonable care of belongings. Keeping non-valuable items in a locked 5-star hotel room will not be considered unreasonable. You get travel insurance to protect your belongings. If an insurer wishes to exclude coverage in such circumstances, their terms have to be clear. And that's the point I'm making - check the terms, consider the exclusions and make sure the policy suits your needs. If it's ambiguous, perhaps expect to have an argument.

        • +1 vote

          In this instance you should have gone directly through the hotel. It's an unfortunate circumstance but regardless of which insurer you used you would not have received a payout for this.

        • -1 vote

          @coolhand:

          1. We went through the hotel initially (as required by the terms). Don't make assumptions. The insurer can pursue the hotel for liability if it wishes (as per the terms), but it doesn't stop them being liable to the insured (as per the terms).

          2. We received compensation for the loss. It just took a lot more effort than it should have.

        • +1 vote

          "Reasonable to foresee"? A contributory negligence defence isn't open to an Insurer so this is irrelevant. We are talking about a contract and whether or not policy wording responds to cover an item of luggage in certain circumstances. That's it. You could also "foresee" a cleaner stealing all your luggage.

          Luggage left in a locked room is ok.
          Leaving a personal blanket with the hotel bedding is just asking for it to be taken with the hotel linen.

          A cleaner would not assume a blue blanket - something that is not a white sheet or quilt - is hotel property.

          But a cleaner did assume this so your statement is incorrect. Hotels have blankets if you request them, it is fair to assume that a blanket with other hotel bedding belongs to the hotel.

          I always put everything away that I can in my luggage and lock it before we leave the room. Any food, brochures, magazines, boxes etc that we want to keep I put in a bag on top of my luggage. Any rubbish that I don't want I put in or on the bin and I don't put anything I want to keep anywhere near the bin.

          Cleaners are not mind readers but it seems that there are plenty of unreasonable people that expect them to be so. Why not make their life easier?

        • -3 votes

          @Maverick-au:

          Really not sure what you're arguing about - packing things away makes no difference to whether they are covered. Tokio Marine consider all UNATTENDED items - in your hotel room or almost anywhere else - to be outside their policy. And that's the problem here. Even you agree that items in a locked hotel room are "OK". But they do not consider them covered. In effect, they attempted to exclude coverage for loss (despite it being a policy for theft or loss), as all "lost" items are technically unattended.

          And to be very clear - they never considered the type of item or where it was placed in the room to be relevant (and no exclusions made such a distinction other than valuables/non-valuables/electronics). They relied solely on the fact it was in a hotel room while we weren't there.

          1. You stated "The cleaner will assume that the blanket was supplied by the hotel". I'm not so presumptous to suggest they made such a conscious decision. I presumed it was an accident. As the only blue item, it seems unlikely they made such a decision. I didn't place expectations on a cleaner. I placed expectations on an insurer.

          2. My comment is not about where you put things within your locked hotel room. Tokio Marine stated to me that they DO NOT cover ANY items you leave in your hotel room. So none of your items would have been covered either, regardless of how you tidy them up (other than valuables having to be in the safe, which I always do).

          3. My comments are about whether insurance responds to the theft or loss of items from a hotel room and my experience with the claim and complaints procedure of Tokio Marine. Again, Tokio Marine stated they do not cover items in a locked hotel room. If all your belongings are packed and your bag is taken, in my experience they will deny it is covered. Might be better to spread your things around the room to mitigate your risk if your insurer won't cover you - it's harder for a thief to go through all the cupboards, drawers etc than to take a suitcase.

    •  

      I had something similar happen, with a phone.

      The trick is to keep going through their appeals process, until it's exhausted. Then take it up with the financial services ombudsman. Eventually at some point of the appeals process, they will probably relent and give you the $$ in exchange for signing a gag order.

      •  

        I had a claim for a $108 phone that fell into the sea. It was stuffed I put in the claim they kept asking for a repair estimate I said it's fkd can't repair it I took it to one shop and they wanted to charge me for writing a quote. After about 6 months they paid the $108 claim. I had 0 excess.

  • +1 vote

    Gee they have gone up a lot even with 25% discount the same annual trip policy i took out last June is now about $70 more expensive about $160 more without the 25%.

  •  

    thanks OP

  •  

    Thanks. The cooling off period is only 14 days.

    Has anyone ever faced trouble claiming after using an exclusive code? I've used these codes but never had to claim.

    •  

      I wondered about this too. If you claim, what if they require proof of entitlement to the voucher?

  • -1 vote

    None of them would cover missing checked in luggages for flights. Lesson learnt hard way.

    • +1 vote

      What do you mean by this? They don't cover you in the event your checked in luggage is lost?

      •  

        Yes as the checked in luggage are unattended. They will not accept claim on any lost checked-in luggage.

        • +1 vote

          Yes as the checked in luggage are unattended. They will not accept claim on any lost checked-in luggage.

          This makes no sense, provide proof this happened becuse is not what the PDS says.

        •  

          This is the problem - they tend to jump to the "unattended" exclusion. The World2Cover PDS (30 October 2017) excludes (among other things):

          3.5 Luggage that You leave Unattended or with someone You do not know looking after it.

          3.7 Valuables left Unattended in a motor vehicle at any time or in the cargo hold of any aircraft, ship, train or bus. (This includes any loss from the point of check-in until You receive the goods)."

          3.17 We will not pay if You are entitled to compensation from the bus line, airline, shipping line or rail authority You were travelling on for the relevant amount claimed. However, if You are not reimbursed the full amount, We will pay the difference between the amount of Your expenses and what You were reimbursed, up to the limit of Your cover.

          "Unattended means but is not limited to, when an item is not on Your person at the time of loss, left with a person other than Your Relative or Traveling Companion, left in a position where it can be taken without Your knowledge including on the beach or beside the pool while You swim, leaving it a distance where You are unable to prevent it from being unlawfully taken."

          In my view, because they specifically exclude "valuables" you have checked in, by implication they do not exclude non-valuables. Also, they state that they will pay you for any shortfall in compensation for losses caused by bus/ship/air/rail provider, so if you receive none, they are liable for the full amount of the loss.

          However, because the PDS says it excludes items left "unattended", and since this definition is so broad that it could include virtually everything not on your person, they seem to jump straight to it when they can. It doesn't necessarily make such a decision enforceable, though.

          I'm not surprised your insurer refused your claim, though it is quite likely you had (and if within the limitation period, "have") rights of recourse.

        •  

          @Maverick-au: It was by another travel insurance company. My luggage was lost during transition and they would not accept the claim based on "unattended" principle.

        • +1 vote

          @arctan:

          That deserves a call to the ACCC

        •  

          @arctan:

          It was by another travel insurance company. My luggage was lost during transition and they would not accept the claim based on "unattended" principle.

          What is transition, there is something you are not telling us.

        •  

          @arctan:

          This doesn't really make sense to me. I had my luggage lost once by Scoot and SCTI covered me for the lost luggage including contents, provided that I showed receipts for the contents lost.

          I called World2Cover after seeing your comment and they confirmed lost luggage by airlines is covered (subject to the terms in the PDS). The PDS states they will not cover valuables if you leave them in your checked in luggage (this is the same for other travel insurance companies). As with all travel insurance companies, you are advised to contact the airline first for compensation and if their compensation is insufficient or the airline refuses to compensate you, you make a claim with your travel insurance.

  • +1 vote

    FYI, Just found out from one of their reps that the PDS is changing in a few weeks. One of the changes is the removal of trekking/hiking above 3000m. Buy now if you want to use it !

  •  

    wouldnt almost everyone just use the free travel insurance provided with many credit cards these days? why would i need this?

  • +3 votes

    Be careful about Travel Insurance attached to Credit Cards,as unless you have a top (read expensive)one the covers are limited.I always take out separate Travel Insurance.You heard it here.

    •  

      Even top cover from credit card providers is not great compared to a good standalone travel policy.

      Last time I checked, AMEX had one backed by chubb which was OK but the standard chubb policy was miles better

  •  

    Top cover only allows $2000 for cancellation fees! I am looking somewhere else. But thanks OP.

  •  

    They are a joke.
    From insurance PDS
    Section 8: Rental Vehicle Collision Damage and Theft
    Excess Cover
    Conditions Applying to 8A & 8B:

    2)the hiring arrangement must incorporate comprehensive motor insurance against loss or
    damage to the Rental Vehicle

    •  

      They are a joke.

      Actually you have no idea what you are talking about. You shouldn't travel if you can't do your own research.

      the hiring arrangement must incorporate comprehensive motor insurance against loss or
      damage to the Rental Vehicle

      This is standard, US renters hire cars with no insurance on them as their credit card covers the cost of the vehicle. In Australia the rental cars have this included already. When you rent in Europe for example you take out insurance as an option which in the case of an €80,000 car I just rented is under €17 per day. The excess is covered by my travel insurance.

      • -1 vote

        Actually you have no idea what you are talking about. You shouldn't travel if you can't do your own research.
        Don't tell me what to do and I won't tell you where to go.
        This is standard, US renters hire cars with no insurance on them as their credit card covers the cost of the vehicle.
        Credit card covers the cost of the vehicle. What does it mean?
        When you rent in Europe for example you take out insurance as an option which in the case of an €80,000 car I just rented is under €17 per day.
        Do you have any evidence of this?

        • -1 vote

          Do you have any evidence of this?

          What you are asking is do I have evidence that the sky is blue or that the Sun appears in the East every morning.

          Maybe you should learn about this thing called Google.

          People like you shouldn't travel.

        •  

          Ok if you do not provide evidence you are spreading incorrect and misleading information without any proof.
          I can beat on 100 dollars that
          €80,000 car I just rented is under €17 per day. that is bullshit
          Full stop.
          Maybe you should learn some manners.

        •  

          @tapuz:

          Every vehicle I have rented through UK, Europe and Australia has had "comprehensive" insurance included in the rental cost. It is often called "Collision Damage Waiver": https://en.wikipedia.org/wiki/Damage_waiver.

          This is your car insurance. It adds a small amount to your daily cost if not mandatory. It usually doesn't cover windscreen and tyres. May not cover keys. It usually covers third party property. The excess is usually thousands.
          Your travel insurance will often cover you for this excess, less their excess.
          This way you reduce your risk to only your travel insurance excess amount.

          You may wish to ask your travel insurer if they will cover windscreen/tyres/keys if your car hire policy doesn't extend to these. If not, or if you won't be getting travel insurance (e.g. hiring a car while not on a trip) you can buy more comprehensive excess insurance to cover such risk. Perhaps look at https://www.carhireexcess.com.au/.

          It was much cheaper as a UK resident: https://www.carhireexcess.co.uk/

        •  

          @tapuz:

          Ok if you do not provide evidence you are spreading incorrect and misleading information without any proof.

          Truly amazing.

          I can beat on 100 dollars that €80,000 car I just rented is under €17 per day. that is bullshit. Full stop.

          Can you say that in English please.

          Maybe you should learn some manners.

          You're the one posting false and misleading information.

          From the link posted by the other poster.

          Damage waiver or, as it is often referred to, collision damage waiver (CDW) or loss damage waiver (LDW), is optional damage insurance coverage that is available to you when you rent a car.

          Car rental companies treat the CDW as a waiver of their right to make the renter pay for damages to the car.[1]

          In many countries, it is a legal requirement to have CDW insurance included in the basic car rental rate. It covers the rented car. Some rental companies also offer liability insurance and coverage of towing charges. Terms and prices vary. Alternatives to the CDW include other car insurance policies, some coverage from credit card issuers (Visa, MasterCard, etc.) and some travel insurance.

        •  

          @Trosticles:

          Every vehicle I have rented through UK, Europe and Australia has had "comprehensive" insurance included in the rental cost. It is often called "Collision Damage Waiver":

          Commonly called LDW in Germany and surrounding counties.

          It depends where and how you book the vehicle. In Europe I always have to add LDW insurance. In the UK I've booked through a third party website that adds their own LDW.

    •  

      i dont get it … the conditions you quoted are fine.

  •  

    Don't buy junk policies, especially for travel where you'll have a tough time sorting anything out in the case of an emergency.

    Compare PDS' and get good cover.

    There are lot of policies out there but not many good ones. When things go wrong overseas, you want excellent cover, not to be left on your own with no help.

  •  

    Any recommendations for quality travel insurance for that are appropriate for a 10-day cruise? Was thinking of purchasing this but am weary due to the comments.

  •  

    Heading to the Los Angeles soon:
    Do rental cars there have insurance included in them when you rent?
    Can someone please help clarify this and a bit of knowledge on Excess etc?

    •  

      Do rental cars there have insurance included in them when you rent?

      No. You need to take out comprehensive insurance but don't take out the other insurances like windscreen, tyre and excess removal as these are just wasteful.

      Some third party companies like rentalcars.com will include insurances and can be cheaper than booking direct.

      Can someone please help clarify this and a bit of knowledge on Excess etc?

      Just take out the basic comprehensive insurance, your travel insurance should cover the excess. Check your PDS as some may require you to take out the lowest excess by paying extra but generally you don't need to do this with better policies.

  •  

    How does this compare to a Credit card cover, for ex: Bankwest Platinum?

    I read above that they are very different, any examples of what exclusions to look out for.

  •  

    I never pay for international travel insurance, it covers automatically by my CBA Diamond Visa Card.

  • +1 vote

    I have used scti aka southern Cross travel insurance for years and made claims twice in two different trips.

    I claimed my headphones, 2x sunnies and a few more things that were stolen at the beach. I made a claim and was advised I needed a police report. I wasn't able to gain one at the time as I was in a remote location.

    Long story short they accepted my claim an dpaid me out.

    Scti is a delight to deal with. I have had amazing positive experience.

    •  

      I can confirm that the only time I had to claim was with SCTI and they paid me out without any hassles as well. For the average tourist on a budget I "think" it's the most straightforward choice.

      I just want medical coverage though and saving a bit of money would be nice if the claims process was the same.

      •  

        I have been using them many times and one time I needed them they failed. Had a car accident on the day I was to go back to Australia. The car was a write off and naturally had to cancel the flight as was going to a hospital for check-up. They didn't ask anything apart from sending me an email advising to take additional cover. Instead of them covering me for free for the time I had to stay, they asked to pay for it. Sure, they did call after I notified them and advised I had to stay as there were no more flights that day. And that was pretty much all they did.

        It's all good when you don't have to claim anything. It's another story when you do.

  •  

    FYI, I've just used the code and it is still good for 25% discount.