Whether you’re jetting off to relax in Thailand, taking a road trip through the USA, or heading to Australia, having the right level of travel insurance cover will give you peace of mind that you’ll be covered in the event of an accident or an emergency.

With worldwide travel insurance through Asda Money, you’ll be protected against unexpected medical expenses, legal fees, delays, cancellations, and more.

What is worldwide travel insurance?

A worldwide travel insurance policy covers you for multiple countries around the world.

Most standard travel insurance policies sold in the UK provide cover for travel throughout Europe. Worldwide travel insurance – also called rest of the world travel insurance – extends that cover, giving you insurance protection for trips throughout Europe and beyond.

Worldwide travel insurance policies tend to come in two types:

1. Worldwide travel insurance that includes cover for the USA, Canada, Mexico, and the Caribbean.
   
   
2. Worldwide travel insurance policies that cover all countries except the USA, Canada, Mexico, and the Caribbean.

This is mainly due to the cost of medical care being more expensive in the USA, Canada, Mexico, and the Caribbean. If you’re travelling to one of those countries, you’ll need a worldwide travel insurance policy that can cover these higher medical costs in the event of an emergency.

Worldwide insurance gives you the peace of mind that you’ll be covered for medical expenses, lost or stolen belongings, travel issues like delays and cancellations, and legal fees.

Compare cheap worldwide travel insurance quotes through Asda Money today.

What countries does worldwide travel insurance cover?

Travel insurers usually group countries into different regions to help determine the right level of cover for your trip.

Our single-trip worldwide travel insurance policies group destinations as:

• Region 1 – UK
  
  
• Region 2 – UK and Europe*
  
  
• Region 3 – Covers Region 1 and 2, and Spain, The Canaries, Turkey, Cyprus and Malta**
  
  
• Region 4 – Worldwide (excluding USA, Canada, Caribbean, Hong Kong, Singapore, Mexico and China.
  
  
• Region 5 – Worldwide (including USA, Mexico, Canada, and the Caribbean)
  
  
• Region 6 – Worldwide (excluding USA, Mexico, Canada, and the Caribbean)
  
  
• Region 7 – Covers Australia and New Zealand only.

Our annual multi-trip worldwide travel insurance policies group destinations as:

• Region 1 – UK
  
  
• Region 8 – UK and Europe*
  
  
• Region 9 – Worldwide (excluding USA, Mexico, Canada, and the Caribbean)
  
  
• Region 10 – Worldwide (including USA, Mexico, Canada, and the Caribbean)

If you’re not sure which countries you’ll be visiting – say you’re planning to hop around as you travel – it’s best to opt for a worldwide travel insurance policy that covers all your possible destinations.

* Europe west of the Ural Mountains including the Republic of Ireland and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores.

** Including the Balearic Islands.

What does a worldwide travel policy include?

With Asda Money, you can choose from three levels of cover – Value, Premium, and Superior – depending on your trip and your budget:

As well as choosing your level of cover, you can also add a range of optional extras to your policy, including:

• Additional valuables cover
• Business cover
• Cruise cover
• Golf cover
• Gadget cover
• Skiing and winter sports cover

What isn’t included in worldwide travel insurance?

While a worldwide travel insurance policy will cover you for plenty of situations, there are certain circumstances that won’t be covered. These exclusions apply across most insurers and could affect your ability to claim.

The most common exclusions for worldwide travel insurance policies include:

• Any medical conditions you failed to declare when taking out the insurance
  
  
• Travelling outside of the government’s guidelines, such as to war zones or prohibited locations. Read the latest UK govt travel advice
  
  
• Not getting the required vaccinations needed to visit certain countries
  
  
• Engaging in illegal activities when abroad
  
  
• Engaging in high-risk sports and activities that aren’t explicitly covered by your policy
  
  
• Getting into an accident or incident while under the influence of drugs or alcohol
  
  
  
  

When should I buy worldwide cover?

Many people choose to take out worldwide travel insurance as soon as they’ve booked their holiday. By taking out insurance as early as possible, you'll be protected if anything were to happen even before you set off, such as an illness, bereavement, or flight cancellations.

What affects the cost of worldwide travel insurance?

Worldwide travel insurance tends to cost more than European cover – especially for destinations with high medical costs. The final price you pay for worldwide travel will depend on factors like:

Your personal details:

• Your age and age of the people in your party
  
  
• Pre-existing medical conditions
  
  
• The number of travellers in your party

Your trip:

• Your destination, especially if you’re travelling to the US, Canada, Mexico, or the Caribbean
  
  
• The duration of your stay
  
  
• The cover type you opt for, such as Value, Premium, or Superior
  
  
• Any additional add-ons you chose, like gadget cover, cruise cover, or winter sports cover
  
  
  

Single vs multi-trip worldwide cover

Should you get single or multi-trip annual travel insurance? That depends on what best suits your travel plans. Both single and multi-trip policies are available with worldwide cover. Just make sure your chosen option includes the destinations you plan to visit.

If you’re only planning to go on one trip within the year, a single-trip worldwide travel insurance policy might be a more cost-effective option. However, if you know that you’ll be travelling three or more times a year, or going to multiple different destinations, a worldwide multi-trip travel insurance policy might be a good option.

There’s usually no limit on the number of trips you can take in one year with annual worldwide travel insurance. But there are restrictions on the duration of each trip and the total number of days you can be away during the year. *

* With annual multi-trip cover with Asda travel insurance, you’ll be covered to travel as many times as you like during any one period of insurance, as long as no single trip lasts longer than 31 days with Value cover, 45 days with Premium cover, and 55 days with Superior cover.

Travel insurance by location

Our worldwide travel insurance policies cover you for holidays and trips to almost everywhere in the world. These include:

• Europe
• Asia
• North and South America
• Australia
• New Zealand
• Africa
• Canada
• Antarctica