Worldwide travel insurance policy: a simple guide

Worldwide travel insurance policy: a simple guide

Preparing for an eagerly awaited overseas trip outside of Europe? If so, you're probably busy studying guidebooks, downloading language apps and wondering whether you have the right-sized suitcase. But there's one more important thing to add to your list: buying a worldwide travel insurance policy.

Wouter Van Rijn From the Travel team
5
minute read
posted

What’s the difference between UK, European and worldwide travel insurance?

Most travel insurance providers offer UK, European or worldwide policies.
UK travel insurance is for people who are travelling within the UK, and still want the protection of travel cover.
European cover is for people travelling within Europe, though some European policies stretch the boundaries to include Egypt, Morocco, Israel and Turkey. It's generally (but not always) cheaper than worldwide cover.
• As the name suggests, worldwide cover provides travel insurance cover for the rest of the world. Always make sure your destinations are included in your policy, as definitions of worldwide cover can vary by provider.

What’s the difference between UK, European and worldwide travel insurance?

Do I need worldwide travel insurance?

Worldwide travel insurance is well worth having. It could be a lifesaver if:
• you have an accident and need medical treatment
• your baggage gets lost or stolen
• your flight is delayed
• you need to cancel your trip at the last minute.

What are the main benefits of worldwide travel insurance cover?

There are many advantages to worldwide cover, including:
Medical cover – if you have an accident or fall ill while abroad, worldwide travel insurance will cover your hospital expenses and transport back to the UK, if needed. A policy with £2 million of medical cover, which should include repatriation, is a good level of cover.
Stolen, lost or damaged luggage – 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 insurance providers 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.

What are the main benefits of worldwide travel insurance cover?

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. If 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.
Cancellations and curtailment – 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 to cancel your holiday unexpectedly. Check individual policies for any exclusions.
Personal liability cover – every country has different laws, so accident, liability and legal cover could come in handy. Check individual policies to see if you're covered for these.

What else should I consider with worldwide travel insurance?


If you'll be taking part in special sports or have specific needs, you should ensure you're covered for these. This includes:
extreme sports – cover yourself for mountain biking, climbing, paragliding and more.
golf sports travel insurance – ensure you're covered if you play a round or two.
winter sports travel insurance – this will cover you if you'll be skiing or snowboarding.
cruise travel insurance – if you're taking a cruise, think about getting specialist insurance.
pre-existing medical conditions travel insurance – you must tell your insurance provider of any health issues you have when you apply.

What if I'm travelling for more than 30 days?


Most standard travel insurance policies will cover you for up to 30 days.

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 one of the following, depending on your circumstances:
annual travel insurance
student gap year travel insurance
backpackers travel insurance

Should I get annual or single trip worldwide travel insurance?


It depends. Single trip travel insurance will be fine, if you're going on a two-week holiday in the sun, and aren't planning any other overseas trips. It may not set you back a fortune either.

An annual policy (also known as multi-trip cover) could be better if you're a regular traveller that takes two or more trips a year. It could save you money in the long run.

Where can I compare worldwide travel insurance?

We make it quick and easy to compare worldwide travel insurance quotes, and to find the right policy to protect you on your travels.

We provide an impartial and independent comparison of a wide range of worldwide travel insurance packages, with great deals on single trip, backpacker and annual worldwide holiday insurance.

Where can I compare worldwide travel insurance?

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