Worldwide travel insurance
Compare worldwide travel insurance policies
Everything you need to know to find the best worldwide travel insurance for your trip abroad
Everything you need to know to find the best worldwide travel insurance for your trip abroad
Worldwide travel insurance covers you for medical expenses, transport issues and lost or stolen baggage when you go anywhere in the world within a set period time, usually a year.
There are two categories of worldwide insurance: policies which exclude the USA, Canada and the Caribbean, and those which include those countries.
Worldwide travel insurance is cheaper if you don’t need cover in Canada, USA or the Caribbean.
Worldwide travel insurance offers the same benefits as standard insurance policies, which tend to include cover for the following:
While worldwide insurance provides cover for a wider range of destinations, the policy will still carry certain exclusions that you should be aware of before claiming. Your policy may be voided if you:
These are general exclusions commonly found on many travel insurance policies, though insurers can differ on the specific level of cover they can provide. Therefore it’s important you check the terms of your policy carefully to understand exactly what you can and can’t claim for – so you can avoid any nasty surprised when you’re travelling.
You should take out your worldwide travel insurance policy as early as you can – ideally as soon as you’ve booked your holiday. This is because you may have to cancel your trip due to things like illness or injury, redundancy or bereavement.
You might be able to claim reimbursement for your flights and accommodation costs – but you should check the terms of your policy to be certain.
Factors that affect the cost of travel insurance, include:
To make sure you have the best worldwide travel insurance policy, you should keep in mind what you’ll be doing while you’re away, as well as how long you’ll be gone for and whether you should include anyone else on your policy.
When you compare worldwide travel insurance, you can review quotes by a number of features including the level of medical cover you’ll require, the price limit on single items you’ve insured, and the excess, amongst much more.
This kind of comparison helps you to build a more accurate picture of the kind of cover you’ll get, but you should always read the policy documents before you buy travel insurance.