A simples guide

Worldwide Travel Insurance Policy

If you’re about to head off on a long-awaited overseas trip, right now you’re probably studying the guide book, panic-buying last minute travel essentials, and trying to cram everything into your suitcase. But amongst the excitement, there’s one important thing to do - buy your worldwide travel insurance.

Why do I need worldwide travel insurance?

Worldwide travel insurance is well worth having. You may think it’s unnecessary, but it could be a lifesaver if for example, you have an accident and need medical treatment; your baggage gets lost; your flight is delayed; or you need to cancel your trip at the very last minute.

Most travel insurers offer either European, or worldwide policies. Europe-only policies are generally (but not always) cheaper than worldwide ones, and often stretch the boundaries of Europe to include Egypt, Morocco and Turkey. But if you’re venturing any further afield – say to Asia, America, Australia or New Zealand - you’ll need worldwide cover. Always make sure your destinations are included, as definitions of worldwide cover can vary by provider.

Most standard travel insurance policies will cover you for up to 30 days. This is fine if you’re doing a two-week break in the sun. But if you’re heading off on a round-the-world trip or gap year adventure in some far-flung corner of the world, you’ll need to take out either annual travel insurance, or gap year travel insurance. The type of holiday you are having will dictate the type of policy you will need.

How is travel insurance worldwide different to standard travel insurance?

It all comes down to the cost of medical treatment. In Europe, there are agreements in place to keep treatment costs to a minimum for visitors from other EU countries. This doesn’t mean you don’t need medical insurance though, you do need it. This is because even though the costs are reduced in the EU for EU citizens, they’re still expensive to pay for. This EU agreement for medical costs is not in place with countries outside the EU. Most people have private health insurance to help with medical costs, but as visitors, we don’t. So a broken bone can end up costing you an arm and a leg, if you don’t have the right cover.

Worldwide Travel Insurance Policy

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What does worldwide travel insurance cover?

Medical cover

If you have an accident, or get ill while abroad, worldwide travel insurance will cover your hospital expenses and transport back to the UK, if needed. A policy with £2m of medical cover, which should include repatriation is a good level of cover.

Baggage and belongings

As a guide, your policy should pay out at least £1,500 if your luggage or personal possessions are lost or stolen. Bear in mind, most travel insurers put a limit per item on the claim for valuable items, such as cameras and laptops. You might want to think about separate gadget cover if you carry a lot of expensive items.

Flight delays

The airline is always the first port of call for compensation in the case of a delayed or cancelled flight. Policies will vary greatly around flight delays so check your policy carefully, especially if you have connecting flights or travel arrangements. In the case that your airline doesn’t compensate or cover you then your policy should pay out if your flight is delayed for more than 12 hours. If this happens, get the airline to confirm the delay in writing and keep receipts of anything you’ve had to buy due to the delay.


If your annual worldwide travel insurance policy includes cancellation cover, you’ll be able to claim back money for your hotel and transport if you have had to cancel your holiday unexpectedly. Check you individual policy for any exclusions to be aware of.


Every country has different laws, so accident, liability and legal cover could come in handy (check your policy to see if you're covered for these).

Should I get annual or single trip travel insurance?

Should I get annual or single trip travel insurance?

It depends. If you’re going on a two-week holiday in the sun and aren’t planning any other trips overseas, single trip travel insurance will be fine. And it won’t set you back a fortune either.

If you’re an avid traveller, however, and take two or more trips a year, you could save money by choosing an annual policy rather than a single trip policy.

Where can I buy cheap worldwide travel insurance?

We make it quick and easy to compare travel insurance quotes, and to find the right policy to protect you in foreign climes. We provide an impartial and independent comparison of the best worldwide travel insurance packages, with great deals on single trip, backpacker and annual worldwide holiday insurance. And, if you buy your worldwide travel insurance with us you’re entitled to our MEERKAT MOVIES* deal, which will give you 2 for 1 cinema tickets every Tuesday or Wednesday, every week, for a whole year. So why not compare the market now?