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1 Money back guarantee applies if you cancel the policy within 15 working days of purchase and you have not made a claim or departed on your journey.

2 Exchange rates for initial loads and subsequent reloads made using methods available via will be set at the prevailing exchange rate set out at at the time of your request, provided you settle the transaction within four hours. Different exchange rates apply for loads initiated using other methods. If you initiate a load or reload other than via, the exchange rate applied will be the prevailing exchange rate at the time the payment is processed and the funds are received into your facility. For more information on how exchange rates are set and applied, please see the Product Disclosure Statement at

3 Although the MasterCard Acceptance Mark may be displayed, the Key to the World Currency Card may not operate in some countries and geographical regions, due to restrictions (see FAQ page for current details). In addition, ATMs or POS terminals may not be owned or operated by the Issuer or MasterCard and the Issuer and MasterCard are not responsible for ensuring that merchants will accept the Card. For more information please see the Product Disclosure Statement at

4 When you purchase a Cover-More Travel Insurance policy through Key to the World, you are sent a medical assistance card that also doubles as a prepaid Key to the World Currency Card. Activating the prepaid currency card is optional. You can choose to activate it and load funds onto it or simply keep it handy to use the medical assistance numbers listed on the card should you need.

Free Global SIM Card available to eligible Cover-More Travel Insurance holders who purchase an international comprehensive travel policy at least 7 days prior to departure. 7 day minimum trip duration also applies.  This is a prepaid service. Handset must be unlocked. Network coverage is not available in all areas. Visit to view full pricing details, rates, coverage and terms and conditions. Telecommunications services are provided by United Global SIM Australia Limited (ABN 49 610 038 509). Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145) and Flight Centre Travel Group Limited (ABN 25 003 377 188) are not the providers of any Global SIM products or services but may receive payments which are linked to customer usage and credit purchased.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS available from before deciding to buy this insurance.