Compare Cover-More Policies
|Overseas medical and dental~*||$Unlimited||$Unlimited|
|Amendment or cancellation costs*||Cover chosen^||Cover chosen^|
|Luggage and travel documents*||$15,000||$6,000|
|Delayed luggage allowance||$1,000||$750|
|Rental car insurance excess||$10,000||$3,000|
|Resumption of journey||$3,000||$3,000|
|Loss of income†||$9,000 (up to $1,500 per month)||$6,000 (up to $1,000 per month)|
|Medical and dental expenses in Australia~||$1,000,000 (only for the Inbound Area)||-|
~ Medical and dental cover will not exceed 12 months from onset of the illness, condition or injury.
* Sub-limits apply. Please refer to the policy wording.
^ Cover chosen applies per policy.
† Maximum liability collectively is $20,000 on the International Plan and $10,000 on the Domestic Plan.
This is only a summary of the benefits provided. Please read the PDS carefully to understand what this policy covers. Importantly, please note that exclusions, conditions, limits and sub-limits apply.
THE SMARTER WAY TO MANAGE YOUR TRAVEL MONEY
Your Key to the World Currency Card lets you enjoy your getaway without the worry of carrying too much cash, getting stung with unknown conversion and exchange fees, or coming home to unexpected credit card debt.
Avoid foreign exchange fees
FEES AND LIMITS
Buying your card
Initial funds load
Note: A reload fee may be payable for subsequent loads after a card is issues and loaded, either instore or online.
Making a purchase in the same currency as loaded onto your Card
Note: some merchants may charge you a fee
|For all fees and limits, please refer to our full schedule||Fees and Limits|
Reloading your card using your secure Key to the World Logon
Note: charged at the time of reload
|Up to 1.1% of the total amount|
|Minimum load amount||$100 AUD or currency equivalent|
|Maximum load amount/year||$100,000 AUD or currency equivalent|
For more details on fees and limits please view the Product Disclosure Statement and Financial Services Guide.
Easy to reload
Reload online at any time, anywhere quickly and easily by logging in to your Key to the World. You can also load via BPAY or by visiting your nearest Flight Centre, Student Flights, Escape Travel, Cruiseabout, My Adventure Store, Travel Associates or Travel Money Oz store.
Accepted at millions of MasterCard friendly retailers and ATMs6. Use it just like a debit or credit card, with Chip and PIN, and contactless payment7.
Up to 10 currencies
Load your card with Great British Pounds, US Dollars, Euros, New Zealand Dollars, Canadian Dollars, Singapore Dollars, Hong Kong Dollars, Japanese Yen, Thai Baht and Australian Dollars.
Manage it online
See your balance and transactions, reload and transfer between currencies online at any time on any device.
Spend your own money, budget easily and avoid unexpected holiday debt.
See fees and limits in full detail
USDUnited States Dollar 0.7209
GBPGreat British Pound 0.5395
SGDSingapore Dollar 0.9734
NZDNew Zealand Dollar 1.0525
HKDHong Kong Dollar 5.5684
JPYJapanese Yen 80.2454
CADCanadian Dollar 0.9120
THBThai Baht 23.2828
As at today, 22 Nov, 2017.
Choose your products
Choose one Key to the World travel essentials product or get them all. Get a quote for travel insurance, work out your foreign currency needs and check the Global SIM calling rates. Applying is easy and takes just a few minutes.
Set up your Key to the World
With one secure login, you can view your trip itinerary and manage all your Key to the World products online from any device, anywhere in the world.
Already have one of the Key to the World travel essentials?
Watch the letterbox
You don’t even have to leave home. Your personalised Key to the World Currency Card and your Global SIM card will be delivered straight to your address.
Frequently Asked Questions
Below are some of the common questions asked about Key to the World. If the answer to your question isn’t there, please get in touch and we will answer you as soon as we can.
I ordered Cover-More Travel Insurance - why did I get sent a MasterCard? Show content
When you purchase a Cover-More Travel Insurance policy through Key to the World, you are sent a Key to the World card showing medical assistance details, 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.
Does Key to the World cost me anything? Show content
Key to the World registration and use of the portal is free, however each travel essentials product has costs associated with it. Please ensure you read the product disclosure statements on each of your products so you are aware of fees or charges and other applicable terms.
How safe is my information in Key to the World? Show content
Your trust is important to us, so we ensure your personal information is protected. We encrypt your data and use firewalls, intrusion detection systems and virus scanning tools along with mandatory secure passwords and security questions.
Can you use Key to the World if you are under 18? Show content
Yes, you can use Key to the World if you are under 18. It’s advised a parent or guardian calls Key to the World to help you organise your travel essential products.
Who is behind Key to the World? Show content
Key to the World is proudly powered by Flight Centre Travel Group, Australia's leading travel business. We've partnered with world-class product suppliers to bring travellers a simple, all-in-one travel essentials facility to save time, stress and hassle. Key to the World is offered to international bound customers of Flight Centre, Student Flights, Escape Travel, Cruiseabout, My Adventure Store or Travel Associates brands, and can also be obtained from Travel Money Oz stores.
Important Information Show important information
1 Exchange rates for initial loads and subsequent reloads made using methods available via www.keytotheworld.com.au will be set at the prevailing exchange rate set out at www.keytotheworld.com.au 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 www.keytotheworld.com.au, 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 www.keytotheworld.com.au.
2 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.
2A Accompanied children includes your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the journey, provided they are not in full-time employment and they are under the age of 21 years.
3 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 www.keytotheworld.com.au 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.
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.
6 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 www.keytotheworld.com.au.
7 For more information, please visit mastercard.com/contactless/. Transaction limits for contactless transactions may change from time to time. For transactions above the limit, additional authorisation is required. Different transaction limits apply in different countries.
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 before deciding to buy this insurance.