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.
How much does worldwide travel insurance cost?
There are a few types of worldwide travel insurance available which means the price will vary depending on if any specific countries like the USA are included. However, on average as a single person, you’ll be looking at around £45.94^ for an annual worldwide travel insurance policy, which will cover you for trips to practically any destination in the world for 12 months.
Other factors which affect how much worldwide travel insurance will cost are:
- Your age
- Duration of your trip
- Pre-existing medical conditions
- Any risky activities such as snow sports or extreme sports
^Price based on individual AMT at 18 years old with no optional extras or medical screening, in August 2020.
How much does travel insurance to USA cost?
If you’re looking at a trip stateside then you’ll need worldwide travel insurance which includes America, meaning you’ll be looking at area 5 as the most comprehensive tier of worldwide insurance.
For an Asda customer, the average worldwide travel insurance policy including the USA could be around £35.27^^ for a single trip or £45.94^^^ for an annual policy. This all depends on whether this will be a one-off trip or one of many over the course of the year. If you think you’ll be taking more than one trip to the states, or anywhere else in the world, within the year then it might be worth looking at an annual worldwide insurance policy.
^^Price based on an individual single trip policy of 7 days travelling for a 30 year old with no optional extras or medical screening, in August 2020.
^^^Price based on individual AMT at 30 years old with no optional extras or medical screening, in August 2020.
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.
ASDA Money is a trading name of Asda Financial Services Ltd and Asda Stores Ltd which for travel insurance are Introducer Appointed Representatives of InsureandGo Insurance Services Ltd, who arrange and administer Asda Travel Insurance. Registered in England and Wales at One Victoria Street, Bristol Bridge, Bristol, BS1 6AA, company no. 04056769. Insure & Go Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority, firms reference number 309572.