Travel Insurance

Choose from the Cover-More Options or Travelsure plans, add extras to suit your needs and travel with peace of mind.

Currency Card

Load up to 10 different currencies on your prepaid Key to the World Currency Card and lock in your exchange rates before you travel1.

Global SIM

Avoid the shock of unexpected global roaming phone and data charges. Stay connected in over 190 countries on your phone or tablet.

Trip Itinerary

View your complete travel itinerary including flights, reservations, car hire, transfers, tickets and more, and add to it along the way.

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Ages of other travellers (optional)

Already have Cover-More Travel Insurance with Key to the World?

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Compare Cover-More Policies

  Options Travelsure
Overseas medical and dental~* $Unlimited $Unlimited
Additional expenses* $Unlimited $Unlimited
Amendment or cancellation costs* Cover chosen^ Cover chosen^
Luggage and travel documents* $15,000 $6,000
Delayed luggage allowance $1,000 $750
Money $200 $100
Rental car insurance excess $10,000 $3,000
Travel delay* $2,000 $1,000
Resumption of journey $3,000 $3,000
Special events $2,000 $1,000
Hospital incidentals* $8,000 $3,500
Hijacking* $8,000 $5,000
Loss of income† $9,000 (up to $1,500 per month) $6,000 (up to $1,000 per month)
Disability† $25,000 $20,000
Accidental death† $25,000 $20,000
Personal liability $3,000,000 $2,500,000
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.

 View the Product Disclosure Statement for Options or Travelsure.

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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 


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.

Widely accepted

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

Fees and Limits

Today's rates

  • USD

    United States Dollar 0.7209
  • GBP

    Great British Pound 0.5395
  • SGD

    Singapore Dollar 0.9734
  • EUR

    Euro 0.6089
  • NZD

    New Zealand Dollar 1.0525
  • HKD

    Hong Kong Dollar 5.5684
  • JPY

    Japanese Yen 80.2454
  • CAD

    Canadian Dollar 0.9120
  • THB

    Thai Baht 23.2828

As at today, 22 Nov, 2017.

Getting started with Key to the World

Just a few steps to take the stress out of travel.

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.

Start now

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?

Create your Key to the World 

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.

How does Key to the World work

After learning about the products, you can use any of the quoting tools to start your customised quote.

Applying for the Key to the World is a quick and simple process, make a few key choices and we'll look after the rest.

The easy to use portal or app will make managing your products while away simple.

Already have a product? Create account

Within 7 days your personalised Key to the World card and Global SIM card should arrive to you via the post.

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.


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.

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.

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.

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.

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.

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

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 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.

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.

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

For more information, please visit 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.