Worldwide Travel Insurance

Cover for wherever your travels may take you

Young children on the beach playing with toys, beach balls in focus

There are many countries out there to discover, some of which require specific types of insurance to keep you covered while you explore the world. While most insurance policies will cover you for trips to countries in Europe, you might need a specific policy to make sure you’re covered elsewhere in the world.

What countries does worldwide travel insurance cover?


When it comes to worldwide travel insurance, it’s important to know how different destinations are grouped to make it easier to understand the bands of insurance:

  • Area 1: UK (except the Channel Islands)*
  • Area 2: Europe (plus Egypt, Morocco, Tunisia, Russia and Ukraine)**
  • Area 3: Worldwide (excluding the USA, Canada, Mexico and the Caribbean)***
  • Area 4: Australia and New Zealand
  • Area 5: Worldwide (including the USA, Canada, Mexico and the Caribbean)

This means that any trip beyond area 1 (UK travel insurance) or 2 (European cover) will require a worldwide travel insurance policy, but there are different types to accommodate different destinations. It also means that different levels of worldwide cover fall into different price brackets.

If you’re not sure which countries you’ll be visiting on your travels, like if you’re planning on hopping around following your impulses, then it’s best to pick up a comprehensive worldwide travel insurance policy which covers area 5, leaving no country unaccounted for.

* For trips within Area 1 there must be a minimum of 25 miles radius between your home and your pre-arranged and booked accommodation.

** Europe - Albania, Andorra, Austria, The Azores, The Balearic Islands, Belarus, Belgium, Bosnia, Bulgaria, The Canary Islands, The Channel Islands, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Lapland, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia, San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Syria, Tunisia, Turkey, Ukraine and the Vatican City.

*** Caribbean - Anguilla, Antigua and Barbuda, Bahamas, Barbados, Bermuda, Cayman Islands, Cuba, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Montserrat, Netherlands Antilles, Puerto Rico, St Kitts and Nevis, St Lucia, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Virgin Islands (British) and Virgin Islands (US).

What isn’t included in worldwide travel insurance?


One of the major benefits of worldwide travel insurance is the volume of countries covered by your policy, but you should still be aware of the limitations of your worldwide travel cover. You might find that your worldwide travel insurance is voided by the following things:

  • Travelling outside of the government’s guidelines (e.g. prohibited locations)
  • Not getting the required vaccinations needed to visit certain countries
  • Not declaring medical conditions, resulting in those conditions not being covered
  • Taking part in illegal activities
  • Getting into an accident or incident while under the influence (drugs or alcohol)

These exclusions are similar to any other form of travel insurance offered by any provider, but different insurers may also offer different levels of cover for different incidents. The main takeaway from this should be to check your policy carefully and understand what is and isn’t covered to avoid any surprises.

Do I need travel insurance to visit USA?


While not legally required, travel insurance is pretty much essential for any trip to America. Any and all types of medical treatment in the USA is private, meaning that if you do get into an accident without medical cover you can be left with a much larger bill than you might expect. This is why worldwide travel insurance including the USA is more expensive than other types of worldwide cover.