Worldwide Travel Insurance

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Worldwide Travel Insurance

Worldwide travel insurance provides essential protection when travelling outside of Europe, including cover for emergency medical treatment, trip cancellation, travel delays and lost or stolen belongings. If you’re travelling long haul or visiting multiple destinations, worldwide cover ensures you’re protected wherever your trip takes you. Whether you’re planning a round-the-world adventure, a beach holiday in the Caribbean, a city break in Asia or a business trip to North America, having the right worldwide travel insurance in place gives you peace of mind from the moment you book. Covered2Go is FCA regulated and offers UK-based customer support, clear policy wording and flexible levels of cover. Get a worldwide travel insurance quote in minutes.

Do I need worldwide travel insurance?

You should choose worldwide travel insurance if you’re travelling outside Europe or visiting destinations not covered by a European travel insurance policy.

Worldwide travel insurance is particularly important for long-haul destinations where:

  • Medical treatment is private and expensive

  • Emergency repatriation costs can be very high

  • Travel disruption may involve significant additional expenses

If your trip includes destinations such as the USA, Canada, and the Caribbean, worldwide travel insurance is essential.

What’s the difference between UK, European and worldwide travel insurance?

Covered2Go offers three main geographical areas of cover:

UK travel insurance

Designed for trips within the UK lasting more than two nights, providing cover for cancellation, curtailment and other insured events.

European travel insurance

Covers travel within Europe and selected nearby destinations. While it may include some countries outside mainland Europe, it does not cover long-haul destinations.

Worldwide travel insurance

Provides cover for travel worldwide and is split into two options:

  • Worldwide excluding USA, Canada and the Caribbean

    • (Most popular: Mexico, Thailand, Dubai)
      Covers all other worldwide destinations except USA, Canada, and the Caribbean. Also includes the UK, Europe, Australia & New Zealand.

  • Worldwide including USA, Canada and the Caribbean

    • (Most popular: USA, Canada, Caribbean Islands)
      Full worldwide cover. Also includes the UK, Europe, Australia & New Zealand, and Worldwide (excluding USA, Canada & the Caribbean).

If your trip includes the USA, Canada or the Caribbean, you must select Worldwide including USA, Canada and the Caribbean, as medical costs in these regions are significantly higher.

Should I choose single trip or annual travel insurance?

The right policy depends on how often you travel.

Single Trip Travel Insurance

Ideal for a one-off worldwide holiday or long-haul trip.

Annual Multi-Trip Travel Insurance

Often more cost-effective if you plan to take multiple trips within a 12-month period. You can travel as often as you like, with each trip lasting up to 31 days. Extended trip durations of 45 or 60 days may be available if required.

What does worldwide travel insurance cover?

A comprehensive worldwide travel insurance policy can include:

Emergency medical expenses

Cover for accident or illness abroad, including hospital treatment and emergency repatriation to the UK. Covered2Go offers tiered cover levels with medical expenses ranging from £5 million to £10 million, depending on the policy selected.

Cancellation and curtailment

Cover if you need to cancel your trip or cut it short due to unforeseen insured reasons, allowing you to reclaim unused travel and accommodation costs.

Personal belongings and baggage

Protection if your luggage, valuables or personal items are lost, stolen or damaged. Gadget cover is also available for items such as mobile phones and tablets.

Travel delays and disruption

Cover if your flight is delayed, missed or cancelled and your airline does not provide compensation, subject to policy terms.

Personal liability

Protection if you accidentally cause injury to another person or damage their property while abroad. Policies provide personal liability cover up to £2 million.

What isn’t covered by worldwide travel insurance?

All policies include exclusions, which should be reviewed before purchasing.

Common exclusions include:

  • Travel against FCDO advice

  • Undeclared pre-existing medical conditions

  • Illnesses you should have been vaccinated against

  • Certain high-risk sports and activities unless additional cover is added

Full details are available in the Policy Wording.

Optional extras for worldwide travel insurance

Depending on your trip, you may wish to add optional cover, including:

When should my travel insurance start?

Your worldwide travel insurance should start from the date you book your trip, not the date you travel. This ensures you’re covered for cancellation if something unexpected happens before departure.

Get a quote for worldwide travel insurance

If you’re travelling outside Europe, worldwide travel insurance is essential. Covered2Go offers flexible worldwide policies with clear cover limits and optional extras to suit your trip.

Get a personalised quote online in minutes and travel with confidence — wherever you’re going.

👉 Get a worldwide travel insurance quote today

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  • 4.6 out of 5 Star Excellent Rating on
    Trustpilot (2025)
  • Finalists – Best Travel Insurance Provider –
    Insurance Choice Awards (2024)
  • Best Travel Insurance Provider –
    Insurance Choice Awards (2022)
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Worldwide Travel Insurance – FAQs

Worldwide travel insurance typically covers emergency medical expenses, trip cancellation or curtailment, lost or delayed baggage, and personal liability while travelling abroad. Cover levels vary by policy, so it’s important to check exactly what is included before you travel.

Many worldwide travel insurance policies include cover for the USA and Canada, but this is often offered as a separate option due to higher medical costs. Always make sure these destinations are specifically included on your policy before travelling.

European travel insurance provides cover for trips within Europe only, while worldwide travel insurance covers travel beyond Europe, including long-haul destinations. Worldwide cover is more suitable for travellers visiting multiple countries or travelling further afield.

Yes, worldwide travel insurance is ideal for long trips, multi-destination travel, or round-the-world itineraries. Depending on your plans, you can choose between single-trip or annual multi-trip worldwide policies.

If your cruise travels outside Europe or includes multiple international destinations, worldwide travel insurance is recommended. Some policies also offer cruise-specific benefits, such as cover for missed port departures and onboard medical treatment.