Worldwide Travel Insurance
Do a search online for worldwide travel insurance and you’ll quickly find there are dozens of policies out there competing for your attention. But don’t assume they’re all the same or that they’ll cover you for the countries you plan to visit.
They will all come with conditions attached – either an age limit, restrictions on the sort of activities you can be covered for or the places you plan to visit.
If you’re planning a trip around the globe, the first thing to be sure of is that your policy is worldwide travel insurance. It’ll be no use making a claim from the depths of China only to discover that your policy only covers travel to Europe.
Similarly, your policy may be worldwide but some countries you plan to visit may be excluded, particularly those experiencing political unrest and periodic warfare.
There are several types of worldwide travel insurance that may suit your needs.
- Single trip travel insurance — This covers just one trip up to a set length of time, e.g. between 30 and 60 days.
- Annual multi-trip travel insurance — This policy will last a year and covers all trips you take during the year (again up to a set length). It could end up better value for money than buying several single trip policies in the course of a year.
- Extended trip travel insurance — Suitable when you’re planning a longer trip away, such as a gap year.
Whatever worldwide travel insurance policy you choose, make sure:
- You’re happy with the medical cover provided.
- There’s enough compensation available if you have to cancel your holiday or cut it short
- The cover for lost or stolen possessions and money is adequate to your needs
- You have cover for delayed baggage and delayed travel
- The policy covers all your other needs.
See the Barclays insurance pages for worldwide travel insurance but bear in mind that you should always read the terms, conditions and exclusions of your policy and be sure of what’s covered and what’s not before buying.