Planning a trip to a far-flung destination? Ticking travel insurance off your to-do list is easy with InsureandGo, so you can relax and look forward to your holiday of a lifetime.
What is worldwide travel insurance and do you need it?
Worldwide travel insurance is your safety net for dream getaways, whether you’re sightseeing in Seattle, back-packing in Bali, or soaking up the sun on a Caribbean beach. It covers you for unexpected events – from a medical emergency to a lost bag – wherever your journey takes you.
At InsureandGo, our global policies can cover a one-off trip, while our annual worldwide travel insurance will give you multi-trip cover for a whole year.
Still not sure whether you need cover for your own jet-setting adventure? Here’s why global travel insurance is every bit as essential as your passport:
- Get support if things don’t go to plan: From help with medical emergencies to help dealing with a stolen passport, insurance is vital if things go wrong abroad. With worldwide travel insurance from InsureandGo, our 24-hour emergency assistance team is just a phone call away day or night.
- It covers you for delays and cancellations: Should you experience a hiccup in your itinerary that’s covered by your policy, you won’t be left out of pocket.
- It covers expensive medical care: Healthcare abroad can be very expensive – so much so that the UK government advises at least £2 million of medical cover when travelling to the USA, which is considered to have the most expensive healthcare in the world. Luckily, our policies start at £5 million.
- Some countries won’t let you in without it: From the UAE to the Seychelles, certain holiday destinations have made worldwide travel insurance mandatory and you won’t set foot into the country without it.
- Covers all destinations: Many insurers may say they provide worldwide travel insurance, but when you read the small print you realise that some destinations have been excluded. InsureandGo’s policies can cover all destinations.
- Adventure, guaranteed: Plan to do more than lie on a lounger? Our policies already have over 100 sports and activities included, but you can also add extra cover for extreme sports, cruises and golf.
Make sure you check the policy wording to see the full terms and conditions and details of what is and isn’t included.
What does InsureandGo’s worldwide travel insurance cover?
InsureandGo offers a choice of single or annual multi-trip worldwide policies, for cover you can rely on wherever your travels take you.
What’s covered?
All our worldwide holiday insurance policies include:
- Cover for cancellation of your trip
- Cover for over 100 sports and activities (see your policy wording for a full list of activities)
- Medical and hospital expenses cover
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
- Delayed departure cover
- Personal accident cover
- Our 24-hour emergency assistance team, available to call, day or night
Find out about our optional add ons for activities like extreme sports, cruises and golf. We will consider all pre-existing medical conditions, find out more about medical travel insurance.
What’s not covered?
We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All our worldwide travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The excess and amount of cover available varies depending on the level of worldwide travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions, including what is and isn’t covered.
Does worldwide travel insurance cover all countries?
Many insurance providers may say they offer worldwide travel insurance, but when you read the small print you realise that some destinations have been excluded.
If you’re planning a one-off trip, you can let us know the country or countries you’ll be travelling to. If you’re buying an annual policy, then we group the destinations into four areas:
- UK
- Europe (plus all countries bordering the Mediterranean Sea, plus Madeira and the Azores)
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
If you’re not sure which area your chosen holiday destinations would be in, please contact us.
The best travel insurance for your holiday
Our worldwide travel insurance gives you cover that’s tailored to your holiday plans. With our flexible plans you can add or take away extras to suit the activities you’re doing on your trip, saving you time and money.
- Cruises: If your worldwide trip involves sailing the seas, adding specialist cruise cover to your policy covers you for things like cabin confinement and onboard illnesses. Our cruise insurance has no upper age limit and we’ll consider any medical condition.
- USA and the Americas: Whether you’re road-tripping around the States, sightseeing in Canada or relaxing on a beach in Mexico or the Caribbean, with our annual policies you can include cover to the USA and the Americas.
- Family: Worldwide family travel insurance keeps things simple, providing cover for each of you all under the same policy.
- Hiking: While any travel insurance policy from InsureandGo covers you for hiking up to 3,000 metres altitude, if you’re heading higher, don’t worry. Choose our hazardous activities add-on when you buy your policy and we can cover trekking between 3,000 and 6,000 metres.
- Golf: Tee off on some of the best greens in the world in confidence. Adding golf cover to your policy covers your golf equipment and your green fees, even if you’re golfing for your entire trip.
- Gadget cover: Taking more gadgets than your standard policy will cover? Add extra protection for valuable electronics, along with precious items such as musical instruments or bikes, with our easy-to-add gadget cover.
How to book our worldwide insurance
There’s so much to think about when you’re planning a holiday of a lifetime. Luckily, sorting your worldwide travel insurance is quick and easy with InsureandGo.
1. Tell us about your trips
This includes who you want to cover and when you want the policy to start.You will need to declare your pre-existing medical conditions, to make sure you get the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
Once we have all the details we need, we will show you your quote. At this stage you can go ahead and buy your policy, or save the quote for future.
“When you’re travelling worldwide, travel insurance is a must. Whether it’s a visit to somewhere with expensive healthcare, like the USA, or a destination that won’t let you in without travel insurance, like Cuba, it’s important to make sure you’re covered for your trip. InsureandGo makes it quick and easy to add flexible cover for your trip so you can just look forward to your holiday.”
Russell Wallace – Travel insurance expert
Worldwide travel insurance with pre-existing medical condition cover
Want to see the world? There’s no need to let a pre-existing medical condition clip your wings. At InsureandGo, we consider all medical conditions and offer a minimum of £5 million cover for medical expenses.
When you get a quote, we’ll ask about your previous and current state of health. A few easy-to-answer questions may lead to a medical screening process. It’s here that you’ll need to mention any pre-existing medical conditions. These include recurring illnesses or injuries, ongoing or lifelong conditions, previous surgeries and any conditions you currently have.
We’ll then use this information to determine the cost of your policy.
You must declare all pre-existing medical conditions before you buy your policy. Unfortunately, we won’t be able to cover you if you claim for an undeclared, pre-existing condition.
For more information, read your policy documents or have a look at our page on travel insurance for pre-existing medical conditions.
Our reviews speak for themselves
Want to know why we’re rated 4.8 out of 5 on Trustpilot? Hear it from the travel experts – people like you.
“I have finally got the confidence to plan a trip to Malaysia to visit my family there. I was fortunate to have Angela F answer my call to InsureandGo. She explained everything clearly, answered all my queries and- most importantly – agreed to give me time to think about the proposed cover. She phoned me back – as arranged – a few days later. After a few more questions from me I agreed to take out the policy. Angela’s customer service was excellent.“
Jenni – Date of experience: 18 March 2024
Frequently asked questions on worldwide travel insurance
How long will worldwide travel insurance cover you for?
How long you’re covered depends on whether you choose to take out a single trip or annual policy for your worldwide travel.
Single trip insurance can cover you for a holiday of up to 365 days in length.
Annual travel insurance will give you cover for multiple trips over a whole year. You can take as many trips as you like, with each trip being up to:
- 31 days away for Budget policies
- 45 for Silver and Gold
- 55 days abroad for Black
How much does worldwide travel insurance cost?
How much you pay for your worldwide policy depends on where you’re going and what you plan to do when you get there. Things that can affect the cost of your policy include:
- Your choice of destination – Worldwide policies that include the USA (along with Canada, Mexico and the Caribbean) tend to cost more due to the higher cost of medical expenses in these areas
- The level of cover you require – Do you want extra protection for your gadgets or golf?
- The amount of time you’ll be away
Your age and any medical conditions you have declared
What is the age limit on worldwide travel insurance policies?
At InsureandGo there is no upper age limit on any of our policies. Our seniors travel insurance can cover people of any age, including those with medical conditions. We also have travel insurance for children with medical conditions.
Our seniors worldwide insurance includes over 100 sports and activities as standard. You can even upgrade to include our adventure and extreme sports cover if they’re part of your travel plans.
Will my GHIC cover me worldwide?
No it won’t. GHIC may stand for Global Health Insurance Card, but it’s actually only valid in Europe. You can use it in any EU country, plus Montenegro, Norway, Iceland, Liechtenstein and Switzerland.
Is it best to buy a single or an annual multi-trip policy for my global trip?
The best option for you depends on your travel plans during the next 12 months.
If you’re travelling the world, you might want to be away for longer than usual. Our single trip policies can cover you for a one-off holiday of up to 365 days in length, making it a great option for extended travel. Adding optional extras like golf, lets you tailor your cover to meet your specific needs on that one-off occasion.
If you are going on holiday multiple times throughout the year, an annual policy could be better value for you.
With an annual policy, you can travel as many times as you like within 12 months, saving you time and money. There are, however, limits on the number of days you can be away for any one trip. You can be away for 31 days for Budget policies, 45 for Silver and Gold, and 55 days abroad for Black.
Does worldwide travel insurance cover the UK?
Planning a staycation as part of your global adventure? All our policies cover trips within the UK, as long as you have booked overnight accommodation.
When does the worldwide travel insurance cover begin?
Full benefits of your worldwide travel Insurance policy start on the travel dates you have selected. However, all InsureandGo policies include cover for travel cancellation which protects you against losses if you have to cancel your trip.
If you buy a single trip policy, cover for holiday cancellation starts from the date you book your trip or pay the insurance premium, whichever is later (a good reason not to leave buying insurance until the last minute!).
If you’ve got an annual multi-trip policy, cover for cancellation starts either at the time you book your trip or the start date shown on your insurance certificate, whichever is later.
If, due to unexpected circumstances that are beyond your control, you can’t finish your holiday within the period of insurance, we’ll extend your cover for up to 30 days, at no extra cost.
Does worldwide travel insurance include Covid cover?
Yes it does. Any policy you buy from our website includes the level of Covid cover set out on our Coronavirus Travel Insurance page, and you’ll also find it in our policy wordings. It doesn’t matter whether you buy a single trip policy or annual multi-trip cover for your worldwide trip.
Who can buy an InsureandGo worldwide travel insurance policy?
All our UK travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guide
Frequently asked questions
If you’ve got more questions about how our worldwide travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.