Worldwide Travel Insurance

Worldwide travel insurance typically covers emergency medical treatment, trip cancellation, lost or stolen luggage, and travel delays across many global destinations, excluding countries where travel is advised against by the FCDO. Some policies exclude the USA, Canada, or the Caribbean unless you select specific worldwide-including-USA cover.

European travel insurance covers trips within Europe, while worldwide travel insurance offers protection across most countries globally. Worldwide policies may cost more due to higher medical expenses in some countries like the USA or Canada, where cover to these destinations is included. Some countires are excluded from certain Worldwide cover policies, always check which countires you will be covered for before you purchase your insurance.

Not all worldwide policies automatically include the USA or Canada. Due to high healthcare costs, many insurers offer two versions: Worldwide excluding/not including USA/Canada and Worldwide including USA/Canada.

Yes, most worldwide travel insurance includes cover for lost, damaged, or delayed baggage. You may be reimbursed for essential items or the value of your belongings up to a policy limit found in your Policy Wording.

Many worldwide travel policies can cover pre-existing medical conditions if they are declared when you buy your insurance. It is recommended to always tell your insurer about any medical conditions you may have as not doing so may invalidate your cover.

Usually no, cover may also be limited if purchased when travel is very soon, or if travel is already underway. Therefore is it best to buy your travel insurance as soon as possible before you travel.

Yes, if its an 'Annual Multi-Trip' Worldwide policy it allows for multiple trips within a year, each with a maximum trip length depending on your policy. Always check your policy cover limits before you travel.

Some destinations are excluded from standard worldwide policies. Common exclusions can include the USA or Canada, unless your Worldwide policy specifically includes them. Regions with active travel advisories as issued by the Foreign, Commonwealth and Development Office (FCDO) are also excluded. Always check for destination coverage exclusions and any FCDO guidance before you buy your policy.

Usually, standard travel insurance policies do not cover adventure or high-risk sports. You can often add optional coverage for activities like trekking, scuba diving, skiing, or safari excursions. Always check your policy wording before buying for what is included, as well as any optional add-ons.

Travel to countries with Foreign Office “against all travel” advisories is usually no covered. Claims arising from trips taken despite official warnings may be denied. Always check with current FCDO 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.