Worldwide Travel Insurance
Comprehensive protection for international trips across multiple countries.
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Are you planning to travel outside of the UK? When planning holidays, long-haul trips, and business trips, worldwide travel insurance offers a comprehensive global cover that safeguards you against medical emergencies, trip cancellations, and travel disruptions.
No matter where your travels take you; from the United States and Canada to Asia, Australia, and beyond, worldwide travel insurance provides complete protection. Quays worldwide coverage is designed to give you the confidence to explore the world by protecting you against unforeseen medical expenses, cancellations, and travel disruptions.
What is worldwide travel insurance?
Worldwide travel insurance is a type of travel insurance that provides cover for trips across the globe, including destinations outside Europe such as the United States, Canada, Asia, Australia, and Africa. It is ideal for individuals who really wish to see the world, it is also important to note that the cost of medical treatment abroad is significantly higher especially in the US where most people have private insurance.
Compared to European travel insurance, worldwide travel insurance provides more coverage and has a higher limit for repatriation and medical emergencies. Whether you are considering backpacking across Asia, taking your kids for an unforgettable experience at Disney world in Florida or simply taking a relaxing holiday in the Caribbean, quays worldwide insurance has you covered.
Worldwide travel policies can be single trip or annual multi-trip and can also be tailored to suit your specific need with optional add-ons such as business travel, winter sports cover, cruise cover or medical condition cover.
What does Worldwide travel insurance cover?
- Emergency medical treatment
- Lost, stolen or damaged luggage including business equipment such as laptops, tablets and mobile phone
- Emergency repatriation
- Cancelling or curtailing your trip due to circumstances you cannot control
- Missed meeting or travel delays
- Personal liability
We also offer optional add-ons that you can include in your policy to ensure you get the protection you need. These include:
- Winter sports cover: if you are hitting the slopes during your trip, this cover will protect for accidents and injuries on the slope as well as replace lost or damaged equipment such as skis, helmet or googles.
- Cruise cover: we provide compensation for cabin confinement and missed port stops
- Golf cover: we will cover the cost of replacing lost or stolen golfing gear.
Which destinations are included under worldwide travel insurance?
Worldwide travel insurance usually covers most destinations under
UK only
Europe
North America including USA and Canada
Worldwide excluding USA and Canada
South America
Asia
Africa
Australia and New Zealand
However, different providers group countries based on their own set of guidelines. Some policies may also exclude or restrict travel to countries advised against by the FCDO. Always confirm the terms and conditions of the policy, and destination lists and current travel advice before taking that trip.
I already have European cover why should I upgrade to worldwide insurance?
One of the reasons insurers segment travel insurance policies by region is that the cost of medical treatment can vary dramatically depending on where you’re going. That’s why it’s vital that you make sure your travel policy covers the country you’re visiting – if it doesn’t you simply won’t be insured, no matter what other policies you may have in place. For instance, UK only cover is usually relatively cheap since medical treatment is free under the NHS. Many European countries also have some level of state-funded care, providing subsidised or free treatment so European travel policies will usually cost less than worldwide ones too. When it comes to worldwide travel insurance policies, they are usually split to either include or exclude the USA so that premiums remain competitive if you’re not visiting the US – where medical treatment can be incredibly expensive. For example, case studies from the Association of British Insurers (ABI) revealed that one British couple needed £587,000 worth of medical treatment after being involved in a road accident in America (fortunately the couple were covered by their insurance).
Should I choose annual worldwide cover or a single-trip policy?
If you only go away once within a 12-month period then a single trip policy should meet your needs. If you’re planning several holidays in one year, though, then an annual or multi-trip policy is likely to be better value in the long run. It’s worth bearing that the length of time a holiday can last for is limited to around 31 days, regardless of whether you have an annual or single trip policy. If you have multi-trip cover you can still go away several times each year, so long as each holiday lasts no more than 31 days (or whatever your own insurer’s limit is). Insurers decide their own limits so check what this is before you set off on your travels. If you’re away for slightly longer your insurance provider should be able to extend your policy to cover the dates you’ll be away.
If you’re taking a year out or long-awaited sabbatical, though, why not consider a backpackers insurance policy instead? These policies will let you travel continuously for 12 months or more.
Can I apply for worldwide travel insurance if I have a pre-existing medical condition?
Yes, travelers with pre-existing medical conditions can purchase worldwide travel insurance from a number of UK insurers. Typically, you will need to complete a brief medical screening, declare your medical condition during the quote process, and be accepted before applying for coverage. Declaring your health condition guarantees that your coverage will stay valid and that claims will be paid if necessary, even if some conditions may increase the premium.
How can I find the best worldwide travel insurance?
The ideal worldwide insurance policy is the one that is tailored to meet your unique needs including the number of vacations you take in a year, your destination, and the activities you engage in. Bearing this in mind, you should carefully consider the features of the worldwide travel insurance offered by providers as some of the cheap policies may have a lot of exclusions. To find the best travel insurance;
- Buy insurance as soon as you book your trip
- Compare medial limits and not just the price of the policy
- Ensure that your destinations are covered
- Be truthful about your medical conditions
- Check policy exclusions and excess amounts
- Consider optional add-ons based on your preferences
- Choose a provider with prompt claims support and 24/7 helpline.
Quays offers policies that provide the right balance of cover, affordability, and peace of mind for your travels.
Request a quote today and secure worldwide travel insurance that is designed for you!
Tips & Advice
Frequently Asked Question
Does worldwide travel insurance cover all countries?
Quay’s worldwide travel insurance provides comprehensive cover for destinations across the world including USA, Canada, Asia, Africa and the Caribbean. However, if you have a specific destination in mind, you can contact us and we will be ready to answer all your questions regarding your desired destination.
What is the age limit for worldwide travel insurance policies?
There is no age limit to our policies as we believe that there should be no age limit to having an adventure.
Is worldwide travel insurance more expensive than Europe-only cover?
Worldwide travel insurance usually costs more than Europe-only policies due to increased medical expenses and longer travel distances.
Does worldwide travel insurance cover multiple countries in one trip?
Yes. Worldwide travel insurance is suitable for multi-destination trips, provided destinations are not restricted by FCDO advice.
Does worldwide travel insurance cover the UK?
Yes, Quays worldwide travel insurance covers the United Kingdom, you can travel to Ireland, Scotland, Wales, and any other country all in one trip or you can include them in your annual multi trip travel policy.
Are activities and sports covered under worldwide travel insurance?
Many standard activities are included, but higher-risk sports may require an additional add-on.
When should I buy worldwide travel insurance?
It’s best to buy worldwide travel insurance as soon as you book your trip so you’re covered for cancellation and emergencies abroad.