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 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 all suit different needs. Plus, you can tailor your cover to ensure you’re protected against risks that are specific to your chosen holiday.
For example, 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 getting married on the beautiful beaches of Bali, then you can also add our Business insurance can protect your business equipment and any samples you’re taking.
When you choose our world travel insurance, you can select an area of cover that meets your needs. As well as Europe-only cover, we also offer ‘Worldwide exc. USA, Canada and Caribbean,’ and ‘Worldwide inc. USA.’ This means you only pay for the cover you need.
For a full list of countries that are included in your area of cover, please consult your policy documents, or visit our policy information hub.
There are some destinations where your worldwide travel insurance won’t provide you with cover. As a result, it’s vital that you read your policy documents carefully before you travel. For example, if you take out a worldwide travel insurance policy with us and visit countries or regions where the Department of Foreign Affairs has advised against all travel, or against all but essential travel, then you will not be covered.
In addition to this, you will only be covered when you travel within your area of cover. For example, if you choose a ‘Worldwide excluding USA and Canada’ policy and travel to the United States or Canada, you will not be covered. Your area of cover is clearly shown on your confirmation email, so please check this if you’re unsure.
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 an Annual worldwide travel insurance policy can cover you for an unlimited number of trips, up to 35 days in duration over a 12 month period.
If you choose our Backpacker travel insurance, you’ll be able to get cover for trips lasting 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 cover for a lot of sports and leisure activities included as standard.
With our world travel insurance, you’re covered for fun activities such as hiking, trekking, glacier walking and windsurfing, as well as selected water sports like scuba diving, snorkelling, surfing and water skiing.
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 properly 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 worldwide travel insurance policy, and where any exclusions may apply, please take a look at your policy handbook. We may be able to provide cover for activities that aren’t listed here; to find out whether we can help insure you for a specific activity, please contact us. There may be some activities that we are unable to cover.
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