Worldwide Travel Insurance

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. 

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.