Worldwide Travel Insurance

Worldwide travel insurance typically covers emergency medical treatment, trip cancellation, lost or stolen luggage, and travel delays across global destinations. Some policies exclude the USA, Canada, or the Caribbean unless you select specific worldwide-including-USA cover. Always check the regions listed in your policy before you travel.

The main difference is where you’re covered. European travel insurance covers trips within Europe only, while worldwide travel insurance protects you almost anywhere globally. Worldwide policies may cost more due to higher medical expenses in countries like the USA or Canada.

Not all worldwide policies automatically include the USA or Canada. Due to high healthcare costs, many insurers offer two options: worldwide excluding USA/Canada or worldwide including USA/Canada. Always choose the version that matches your destinations to avoid uncovered claims.

Most worldwide travel insurance policies include COVID-19 cover for emergency medical treatment, trip cancellation, or quarantine costs. Always confirm your policy’s COVID-19 section before travelling, as cover levels can vary by region and travel advisory status.

Yes, most worldwide travel insurance includes cover for lost, damaged, or delayed baggage. You’ll typically be reimbursed for essential items or the value of your belongings, up to a set limit. Keep airline reports and receipts for any replacement purchases to support your claim.

Many worldwide policies can cover pre-existing medical conditions if they’re declared when you buy your insurance. Failing to declare them may void your policy. Always check your insurer’s medical screening process to ensure full protection while abroad.

Some insurers offer travel insurance after departure, but it’s not standard. It’s best to purchase cover before you leave the UK to ensure protection from day one. Policies bought mid-trip may have waiting periods or limited benefits.

Yes, if you choose an annual multi-trip worldwide policy. This type of cover allows unlimited trips within a year, ideal for frequent travellers. Each trip has a maximum duration, typically between 31 and 90 days, depending on the policy.

Some destinations are excluded from standard worldwide policies. Common exclusions include the USA, Canada, Caribbean islands, China, and regions with active travel advisories. Always verify your policy’s coverage map to ensure your destinations are included.

Most worldwide policies set maximum trip durations. Single trips are usually limited to 31–90 days, while long-term or multi-trip policies can cover up to 12–18 months. Check your policy terms for the exact limits.

Many policies exclude adventure or high-risk sports by default. You can often add optional coverage for activities like trekking, scuba diving, skiing, or safari excursions. Always check your policy wording for included or optional sports.

Travel to countries with Foreign Office “against all travel” advisories is usually excluded. Claims arising from trips taken despite official warnings may be denied. Always check current advisories before travelling.

Standard policies may not cover paid work or volunteering. If your trip involves employment or volunteer activities, look for policies that explicitly include such cover.

Some insurers allow policy extensions while travelling, though approval may depend on your location and health status. Check your provider’s terms before departure if there’s a chance you’ll need a longer policy.