What is worldwide travel insurance?
Venturing beyond the borders of Europe? Worldwide travel insurance might be just the ticket.
It’s the ultimate cover for those who like to travel far and wide - specifically taking into account the higher cost of medical treatment you’re likely to face in overseas countries further afield.
With worldwide insurance, coverage is global - so you’re not limited to travelling a certain distance. You can really go and see what the world has to offer with the peace of mind that you’ll be protected if you fall unexpectedly ill ,or are involved in any sort of accident while abroad.
You could argue that the further you travel, the more important it is to be insured. The cost of medical repatriation is only going to get more expensive the further you are away from home - so worldwide cover really is a no-brainer if you’re thinking of doing a spot of globetrotting.
If you’re already sold on the idea of long-haul travel, now might be the best time to weigh up your options as far as worldwide cover is concerned.
We work with a panel of leading providers and you can compare worldwide travel insurance quotes in minutes through our straightforward online service.
It saves all the faff that comes with shopping around for insurance. After all, you’ve got an adventure to plan anyway!
What does worldwide travel insurance cover?
When it comes to global cover, the same principles apply.
You still need to look out for the usual stuff in a policy - and perhaps add even more cover depending on any activities you’ve got planned.
But first, let’s look at the basics.
Cancellation cover is one of the first things you should look for. Long-haul air travel is expensive - and if you’re forced to cancel for whatever reason, you’ll want to be in a position to recoup the majority of that cash.
This is just one prime example of where cancellation cover would come in handy - but it could also apply in other scenarios, like cancelled accommodation etc.
You’ll also want to be covered in the event of having to cut your trip short - this is called curtailment.
Probably the most important thing to look out for in a worldwide policy is medical cover. You might be the fittest and healthiest person on the planet, but that doesn’t mean you’re immune to illness.
You want to be covered for all types of medical expenses - from the cost of medication to the cost of a hospital stay. You just never know what’s around the corner and you don’t want your travel kitty to take a whack at the expense of not being covered for an unexpected medical bill.
Personal liability cover is also essential. Think about all the countries around the world. Each and every one of those nations has their own respective laws and legal rights.
Accident, liability and legal cover in the event of any mishaps is therefore an absolute must have in any worldwide travel insurance policy. So, if you do cause accidental injury or damage - it’s not a battle you have to fight on your own.
Beyond the essentials - you might need to explore other types of cover depending on your arrangements.
Do you need to add winter sports cover to your policy? Do you have any pre-existing medical conditions you think your insurance provider should know about?
These are all things to think about when planning a trip where global coverage is needed.
What countries are covered by worldwide travel insurance?
What you’ll usually find is that many insurance providers divide worldwide cover into two separate categories:
Worldwide EXCLUDING USA, Caribbean and Canada
Worldwide INCLUDING USA, Caribbean and Canada
So, if you’re not planning a visit to The States, the Caribbean or Canada, there’s no need to pay extra to include them on your policy.
However, it’s important to remember that each insurance provider is different and might not always have the same coverage for different worldwide destinations.
Just bear in mind that there will be certain countries that some providers can’t cover. This might include countries where the UK government has advised people not to visit.
How long will my international cover last?
Well, it all depends on you...
In most cases, worldwide cover usually lasts up to 30 days per trip, just like most other types of travel insurance. Although - some policies can cover you up for up to 45 or 60 days per trip.
For all backpackers and round-the-world trippers out there - you simply select worldwide cover when purchasing an annual multi trip policy.
This keeps you covered for multiple trips over the course of a year and will probably be more cost-effective than buying multiple single trip policies, for instance.
All you need to do is stipulate whether or not this includes cover the USA, the Caribbean and Canada.
Of course, all of this stuff is dependent on circumstances - but if you know you’re going away for a while, it’s best to keep your options open on this front - and decide.
How to get the best worldwide travel insurance policy
We’ll keep this as simple as possible…
Step 1: Know where you’re going.
This might sound obvious, but if you’ve only got a vague plan in mind - you’ll perhaps want to narrow it down before you buy insurance. Sure, you could always call your insurance provider ‘on the fly’ if you’re headed to a country that you’re not already covered for - but it might come at an additional cost.
Spontaneity is always great when you’re travelling, but you’ll only get the best worldwide travel insurance policy for you if you have your trip properly mapped out from the beginning.
Step 2: Get the balance right.
Always favour the level of cover over cost. Of course you want value for money - buy you don’t want to be short-changed in terms of coverage.
If you have to pay a little bit more just for peace of mind, then do it. There’s nothing worse than having niggling doubts in the back of your head when you’re abroad.
Step 3: Shop around.
Again, this is an obvious suggestion - but important, because you no longer have to spend your precious holiday planning time doing it.
We take the hassle out of shopping around for travel insurance. Just let us know where you’re going and for how long - and we’ll compare quotes so you don’t have to.
From there, you can choose the best worldwide cover for you in a matter of minutes. It really is as simple as that.
Looking for a quote? Find your perfect policy
If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information here.