Worldwide Travel Insurance

From the historic temples of Japan to Australia’s Great Barrier Reef, there’s so much to see and experience in the world. You can take the kids on the holiday of a lifetime to Walt Disney World Resort in Florida, relax surrounded by luxury and romance on a Caribbean island or even go backpacking around East Asia. Seeing the world is a great thrill and, no matter where you visit; your eyes will be opened to new experiences and adventures. Sadly though, even on the holiday of a lifetime, problems can arise. But thankfully, our worldwide travel insurance will help cover you when things don’t go to plan.

Worldwide travel insurance is slightly different to European travel insurance because it takes into account the higher cost of medical treatment outside of Europe. The cost of treatment is particularly high in America, where residents have private medical insurance. This means that, if you suffer an injury or fall ill while on your holiday and you don’t have international travel insurance, you could find yourself tens of thousands of pounds out of pocket. But, by choosing the right travel insurance, you can be protected against these costs, so an accident doesn’t have to cost you an arm and a leg.

On top of this, world travel insurance can also protect you if you need to cancel or curtail your trip, if your flights are delayed, or if your luggage is lost or stolen. To get the best protection, you should take out international travel insurance as soon as you can – ideally as soon as you’ve booked your holiday.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Our Single Trip, Annual and Backpacker policies are designed to keep you protected while you travel.

Single Trip and Annual policies also offer three levels of cover: Bronze, Silver and Gold. Depending on the policy you choose, you’ll be covered for: 

  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
  • *Not available with Bronze cover
  • **Only available with Gold cover
  • Terms and Conditions apply.
If you’ve planned to take part in some activities on holiday, our optional add-ons can provide you with further cover. If you’re looking to play a round of golf at a top course like Pebble Beach in America, our Golf cover can protect you and your clubs. Or, if you want to ski down the slopes in Whistler, Canada, our Winter Sports and Ski add-on can help protect you against piste closure, lost ski equipment and unused ski-pack costs. Alternatively, if you’re taking a cruise around the Caribbean or the Far East, our optional Cruise cover can protect you against risks specific to cruising, such as cabin confinement, itinerary changes and cruise interruption. 

With our Single Trip and Backpacker policies, select just the countries you're travelling to - this will help make sure you only pay for the cover you need.

With our Annual worldwide travel insurance policies, you can choose between two different Worldwide areas of cover: ‘Worldwide (excluding USA)’ and ‘Worldwide  (including USA)’.

If you choose ‘Worldwide (excluding USA),’ the area of cover is anywhere in the world except the USA, Canada and all islands in the Caribbean Sea, including the Bahamas. This means you can get cover for an Australian adventure, a tour of Vietnam’s history or a Kenyan safari in the Maasai Mara National Reserve.

If you choose ‘Worldwide (including USA),’ the area of cover is anywhere in the world. This means you can enjoy the beaches of Miami, the theme parks of Florida, the city sights of New York and the thrill of Las Vegas, as you tour the USA and beyond. 

There are some exclusions that you should be aware of, and you can find these in your policy documents.

For example, you will not be covered if you travel outside the policy area you have chosen. This is clearly shown on your confirmation email, so please check this if you’re unsure. You can also contact us on 0371 200 0428. We’re open Monday to Friday, from 9am to 5pm.

You will also not be covered if you travel to a country or region that the Foreign and Commonwealth Office has advised against all travel or against all but essential travel. 

The length of time you’ll be covered for will depend on the type of policy you choose. Our Single Trip policy can cover you for up to 180 days at any one time, while our Annual worldwide travel insurance policy can cover you for an unlimited number of trips (lasting for up to 31 days), over a 12 month period. If you choose our Backpacker travel insurance, you can cover for up to 365 days. 

We know that you’ll want to take part in new experiences and fuel your sense of adventure while you’re away. That’s why our international travel insurance comes with a lot of Sports and Leisure activities included as standard.

With our worldwide travel insurance, you’re covered for fun activities such as safari trekking, camel riding, parachuting, trekking and hiking. If you’re looking to really get the adrenaline pumping, then you’re also covered for selected water sports such as scuba diving, snorkelling, surfing and waterskiing.

If you’re looking to try winter sports while you’re away, you’ll also need our Winter Sports and Ski add-on to make sure you’re protected. With this optional extra, you’re covered for activities like skiing, snowboarding and tobogganing.

To understand exactly which sports and leisure activities are covered by your policy, and where any exclusions may apply, please take a look at your policy handbook and our sports and leisure activities list. 

Pre-existing medical conditions needn’t be a barrier to travel. Before you take out your Single Trip or Backpacker policy, we’ll ask you a series of health-related questions (please note that our Annual worldwide travel insurance policy doesn’t cover any pre-existing medical conditions).

You’ll need to disclose your medical history, including recurring injuries or illnesses, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from. This includes any condition you have received treatment for, including surgery, tests or investigations by a doctor or a consultant/specialist, and conditions you have been prescribed drugs or medication for. This also includes both conditions you’re successfully managing and conditions you’re unable to manage.

It's very important that you tell us about any existing medical conditions you have when you apply for worldwide travel insurance. This is because it’s unlikely that we will pay any claim for medical expenses, trip cancellation or cutting a trip short if it relates to a medical condition that you have not told us about (even if we would normally have agreed to cover it).

You can check to see if we can offer you worldwide travel insurance with pre-existing medical conditions included by getting a quote today.

Terms and Conditions apply.

Heading away on a gap year or taking a career break? Whether you’re backpacking around Australia or interrailing around Europe, our Backpacker travel insurance is appropriate for most travellers under the age of 35.

Whether you want to ski down the slopes of La Plagne or ride a toboggan down the floodlit runs of St Moritz, our Winter Sports and Ski insurance can help protect you. 

Taking multiple holidays this year? Our Annual worldwide travel insurance covers you for an unlimited number of trips, so you can traverse the globe with confidence. 
We understand that you want to have fun and try new things while you’re on holiday, which is why our Sports and Leisure insurance covers you for camel riding, jet-skiing, scuba diving and much more. 

If you’re only taking one holiday this year, our Single Trip travel insurance could be a good fit. It can cover you for up to 180 days, and provides protection against things like medical and cancellation costs.
Pre-existing medical conditions don’t have to stop you exploring the world. Our worldwide travel insurance can cover medical conditions, so get a quote today. 

Heading stateside for your next break? Our travel insurance for the USA can cover you from New York to San Francisco, so whether you’re heading to one location or planning a road trip, cover is available.