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: Worldwide travel insurance including usa

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Worldwide travel insurance including usa

The Best UK Travel Insurance for 2021

We’ve combined expert reviews from independent sources to come up with our list.

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Three of the best UK travel insurance policies for 2021

The rest of the best

In this guide

How we chose the best travel insurance companies

We made our list of the top UK travel insurers by collecting the latest information about nearly 50 insurance providers from independent expert review site Fairer Finance. You can get a price-based rating from comparison sites like Compare the Market and GoCompare, so we compared the quality of their products and their customer service instead.

The key metrics we considered were:

  • The level of cover offered by each company’s best travel insurance product — This is represented by a ‘Product Rating’ out of 5. We only selected insurers whose Product Rating was at least 4 out of 5 for their highest level of coverage.
  • Each insurer’s Customer Experience rating (out of 100) — This is an aggregate of scores for customer happiness, trust, transparency and complaints handling. We only selected insurers with a Customer Experience rating of 50 or above. The lowest score on Fairer Finance’s complete list was 36%, and the highest was 64%.

We also factored in whether companies offered features highly sought after by potential customers. For that reason, we only considered policies that provided the following:

  • At least £10m for emergency medical cover
  • At least £2,000 cover for personal possessions and baggage
  • At least £5,000 cancellation cover
  • At least 31 days of cover per trip
  • A medical excess of less than £100

The insurers that scored the highest across these metrics feature in our ‘Best Insurers’ list above.

Many providers in our list also offer policies or options with lower levels of cover that may be more relevant for your needs. And because we've also looked at customer experience ratings, the companies on our list should offer good service. We’ve chosen policies that offer substantial cover that shouldn't leave you out of pocket if you need to claim.

How to find the best travel insurance

When looking for travel insurance, it’s essential to understand what’s included in your purchase. The headline limits of medical, cancellation and baggage are helpful starting points. Still, there might be variations in other terms that are harder to spot.

It's also worth checking the quality of the company and its customer services. If an extra £5 means you get better service in a medical emergency abroad, then it is money well spent.

Consider the following if they’re relevant to you:

  • High limits on individual items of baggage — High single-item limits mean you can cover things like your valuables, cash or passport in full. That way, you’re not out of pocket if they’re lost.
  • Low medical excess — Having to pay a high excess if you need medical cover may leave you without sufficient funds for the rest of your trip. Thankfully, some insurers (such as Sainsbury’s) can offer as little as zero excess.
  • A high number of days abroad per trip — If you’re abroad for longer than the stated number of days per trip in your policy, you won’t be covered. Getting a policy that covers you for more days means you’re less likely to get caught out. Most good policies will cover you for at least 31 days per trip, with some like LV= offering as many as 90 days.
  • Cover for activities such as golf, cruises or extreme sports included — If you intend to go on any excursions while you’re travelling, activities cover will be invaluable. Please note that while many insurers offer cruise-specific policies, you may not be covered while you’re off the boat on day trips.
  • Business and personal travel — If you’re only covered for personal travel, your insurer may not accept a claim you make if you’re on a business trip. It’s safer to go for a policy that covers both.
  • Car hire cover — While car hire companies do offer insurance, it’s often expensive. It may be cheaper to get car hire included in your travel insurance policy instead. Learn more with our guide to car hire excess insurance.
  • An emergency helpline — Look for 24-hour helplines: it means you’ll still be able to make a claim no matter what timezone you’re in.
  • Terrorism cover — If you’re thinking about travelling to a country where there may be civil unrest, it’s worth considering a policy that covers claims for terrorist activity. Read our guide to travel insurance with terrorism cover and for dangerous areas.

How to get cheaper travel insurance

There are several things you can do to get a cheaper quote for your travel insurance:

  • Add a voluntary excess — Agree to pay more out of your pocket in the event of a claim. In exchange, your insurer will likely lower your premiums.
  • Buy cover in plenty of time — You might find premiums are cheaper if you buy in advance and you’ll have more time to shop around.
  • Only buy what you need — Don’t pay extra to cover things you won’t need. For example, if you’re going to a beach resort, you’re unlikely to require winter sports cover.
  • Get cover that matches the value of your belongings and holiday — Avoid taking expensive luggage. Travelling light means you can opt for low cover limits and still be fully protected. The same goes for your holiday: if you spent £2,000 on it, you don’t need £10,000 cancellation cover.

What are the best cheap travel insurance policies?

We used a comparison site to determine the cheapest travel insurance policies you can get that meet a high standard of cover. We got quotes for a 27-year-old man with no pre-existing medical conditions going to Spain for seven nights on a single-trip policy.

We identified the best cheap policies as those with at least £10m of cover for medical emergencies and cost under £9 with a maximum excess of £150. We generated this quote in April 2021.

Having a substantial amount of cover and a low excess means that you'd be able to claim without having to pay a large amount yourself. These policies are good value for money.

Here are the cheapest policies we were able to find that met our criteria:

  • Cover Wise (Standard) — £6.65. Up to £20m emergency medical cover with an excess of £125. It also includes COVID-19 cover.

Remember, always make sure you know exactly what a policy covers, and how much before you purchase. There's little benefit to an insurance policy that can't protect you in the farmers bank appomattox of need.

Travel insurance that covers coronavirus (Covid-19)

When the coronavirus pandemic hit in early 2020, many customers found that illness and travel disruption due to Covid-19 worldwide travel insurance including usa covered on their travel insurance policies.

Since then, many insurers have responded to the spike in demand for travel policies that cover pandemics.

Travelling outside of the UK may carry some risk of coronavirus exposure for the next few years. Having travel insurance with some form of cover for Covid-19 could save you thousands of pounds if you’re hospitalised, quarantined or have your holiday cancelled entirely due to the pandemic.

Please note: there are no policies we have found that will provide coronavirus cover if you’re travelling against Foreign, Commonwealth & Development Office (FCDO) advice or Government restrictions. This includes lockdowns and travel bans. It’s highly likely that your travel insurance will be void if you choose to travel against official advice, regardless of the insurer you choose.

Here are some of the top insurers offering coronavirus cover.


One of LV='s most recent benefits is their coronavirus cover. It pays out if you’re hospitalised with Covid-19 abroad, or if your trip has to be cancelled because you or your travelling companion are diagnosed with coronavirus. It also covers you if your trip is cancelled following a government order to quarantine on the suspicion that you may have coronavirus.

One of the biggest expenses that LV= will cover is emergency repatriation costs. This means that your insurance will pay for you to be flown back to the UK if the FCDO impose travel restrictions while you’re on holiday.

Post Office Money

The Post Office recently updated it’s travel insurance policies to include Covid-19 cover. You’ll now get extra protection for cancellation within 14 days of your trip should you test positive. You're also covered for curtailment if you test positive for Covid-19. This applies at either your outward departure point or upon arrival at your destination.

Importantly, the Post Office will cover emergency medical and repatriation expenses if you contract the coronavirus while abroad.

Columbus Direct

Columbus Direct regularly adapts its travel insurance coverage in response to the latest developments in the pandemic. As of April 2021, newly purchased policies will cover cancellation of your trip if you or your travelling companion fall ill or you need medical treatment abroad due to contracting Covid-19. You're also covered if you test positive before your trip and you’re forced to cancel as a result.

Columbus Direct also covers emergency repatriation costs if you have to be taken back to the UK due to coronavirus-related illness.

Best travel insurance for the USA

The USA is one of the most popular destinations for UK holidaymakers. There’s a huge range of options for tourists, from quick city breaks in New York to surfing in California. It helps that there are no language barriers for Brits too.

However, travel insurance costs much more for trips to America than it does if you’re travelling to other countries. This is because the price of medical treatment is so high in the USA: it can cost £100,000 to treat an infection in a Californian hospital.

To get full coverage before going to the USA, you need to choose a single-trip or annual multi-trip policy that includes the USA and Canada. You can make your decision partly on price here because travelling to the US adds to your premium, as long as you’re comparing policies with good levels of cover.

Here are some of the best current policies available:


LV='s ‘Worldwide’ area cover includes Canada and the USA. While some other insurers offer more than LV=’s £10m medical cover, few can match its 90-day maximum trip duration. With LV=, you’re more likely to be covered if you’re on a long trip to the USA or if you’re hospitalised for several weeks.


With £20m for emergency medical cover on its Platinum policy, Admiral boasts the highest health cover limit we could find among the travel insurers we reviewed (as of April 2021). This includes cover in the USA if you choose a Worldwide policy option.

The only downside is that Admiral's maximum trip duration is fairly low at just 31 days, so this policy is better suited to short trips.

The AA

If you’re an AA member, it might be worth considering their Gold travel insurance policy because you could get a waiver on your excess. That means you could get £15m emergency medical cover for your USA trip without having to pay out anything at all. Plus, the AA’s coverage extends to trips as long as 62 days, so it's suitable for longer holidays like road trips — for which the USA is renowned.

If you’re over 50, it’s worth looking at Saga Travel Insurance or StaySure for the best deals on travel insurance and because they may have more competitive prices at higher age ranges. Please note that many travel insurance policies will not offer you standard cover if you’re over 74 years old.

Travel insurance for people with pre-existing medical conditions

Many of the big providers will refuse to provide quotes if you disclose a pre-existing condition, depending on what it is and its severity. This is because many firms do not have specialist knowledge to deal with pre-existing medical conditions.

However, a handful of travel insurance providers can cater for you even if you have chronic illnesses that may need treatment while you’re abroad.

Post Office Money

The Post Office Money will cover most pre-existing medical conditions on its travel insurance policies. It lists diabetes, asthma and heart conditions (such as high cholesterol and high blood pressure) as the most common ones it covers. If you have a different medical condition, you may still be covered: the Post Office will run medical screenings online or over the phone to confirm with a quote.

Columbus Direct

Columbus Direct gives you the option to add cover for pre-existing conditions online (some medical screening may be required). This might be considered crucial for anyone with chronic conditions like diabetes or heart problems. With Columbus Gold, you also get £15 million emergency medical cover with a 45-day maximum trip duration.


Saga specialises in providing insurance for over 50s, so it makes sense that their travel policies would cater for pre-existing medical conditions. It means that you can claim up to £10 million for medical expenses if your illness flares up while you’re abroad and you need treatment. Saga will also pay up to £1,000 for associated expenses (food, for example) during your stay in hospital.

You can learn more by reading our in-depth guide to travel insurance for pre-existing medical conditions.

The best insurance companies for skiing and winter sports

Skiing and snowboarding are regarded as high-risk activities by insurance companies. That’s because injuries are common in winter sports and it can be expensive to evacuate someone for treatment.

Insurers often offer winter sports cover as an add-on or a standalone specialist policy to mitigate these high costs.

What should a good winter sports policy include?

  • A high level of medical cover — Skiing injuries can be very costly to treat, especially if you need to be airlifted to safety. Make sure you have at least £10m cover for emergency medical expenses.
  • A wide range of sports and activities — Look for policies that cover every type of activity you think you might partake in, including things like tobogganing and snowmobiling. While not all insurers will include these as standard, some will offer them as an upgrade.
  • Off-piste cover — Any part of a slope outside a marked run can be classed as off-piste, even a well-used shortcut between two green runs. Not all insurers will cover off-piste. Those that do may only cover off-piste skiing within certain boundaries or with an instructor, so check the policy wording. Learn more about off-piste skiing cover.
  • Low excesses — Saves you from paying out more than you can afford if you’re injured on the slopes.
  • High personal liability cover — This means the insurance company will pay out if you injure someone and they seek compensation from you. This may be included in your standard travel policy. Look for policies with at least £2m personal liability cover.
  • Equipment cover — Many insurers will also replace broken equipment, whether it’s hired or owned. This includes things like skis, snowboards, and ski clothing.

Bear in mind that holiday insurance companies often need you to pay an extra premium to take part in activities that they think are more dangerous, such as snowmobiling. Also, you may not have any personal liability cover for these activities. It’s best to check your policy documents and make sure you’re getting covered for everything you need.

And what if you arrive at the slopes, and there’s no snow? Some insurers will pay out if you end up not being able to ski because of poor conditions, or even pay to relocate you to somewhere where you can ski.

We’ve listed some of the best insurers for winter sports below.

Columbus Direct

Columbus Direct offers one of the best travel insurance benefits for thrill-seekers: cover for over 150 sports and activities at no extra cost. If you want cover for skiing, though, you’ll need to add Winter Sports Cover to your policy. You’ll be protected on- and off-piste for both skiing and snowboarding as long as you stay within the resort boundaries. You’re also covered for emergency medical rescue by helicopter if necessary. Better still, Columbus Direct will even cover your equipment, whether hired or owned.

Direct Travel

Direct Travel Insurance covers many sports and activities as standard in its policies. You can add winter sports cover to your package from as little as £18.83 per trip, according to the Direct Travel website (correct as of April 2021). This add-on covers you for off-piste skiing as well as 30 winter sports and lost, stolen or damaged equipment. For an annual multi-trip policy, you can get winter sports cover from 17 to 45 days, and even make a claim if the piste you’re visiting is closed for more than 12 hours.


Adding LV='s winter sports cover to your travel insurance policy means you’re protected for skiing (including off-piste and cross-country), snowboarding, snowblading and sledging, along with several other niche winter sports. On a single trip policy, you can get cover for up to 31 days. On LV=’s Premier policy, you can also claim for up to £10,000 if your ski trip is cancelled due to bad weather.

Cover for more adventurous skiing and snowboarding activities

If you're looking for insurance that covers more advanced or adventurous activities like heliskiing, you may want to consider a specialist policy. Insurers such as Snowcard, Ergo and Dogtag offer specialist adventure packs to cover particular sports or activities.

Snowcard allows you to personalise your insurance to fit your needs, which is a useful way of bringing your premium down if, for instance, you don't need baggage cover. Ergo allows you to upgrade your ski insurance to Pro to encompass backcountry touring, heli-skiing, cat-skiing and Park & Pipe.

For more information on skiing off-piste, check out our article.

Backpacker travel insurance

Choosing travel Insurance for a backpacking trip or a gap year is more complicated than finding the best insurance for a conventional holiday. This is because backpackers tend to embark on longer trips that keep them away from home for prolonged periods, so they’re more likely to be injured or sick while abroad at some point.

Backpacking insurance — also called gap year insurance — is a way that insurers can provide specialist cover for those embarking on long trips across multiple territories.

The key things to look out for in a policy if you’re thinking of backpacking are:

  • Cancellation cover — Make sure that your policy will pay out if your trip is cancelled, and make sure the limit is high enough to cover the cost of pre-booked flights and excursions.
  • Detailed limits — Many backpacker travel insurance policies have baggage limits that appear high enough to cover the theft or loss of a laptop, phone, or camera. However, cheaper policies have more detailed limits (such as single item, valuables or gadget limits) that can prevent such a claim. The best policies give you sufficient cover even at this granular level. Look out for single item limits that are higher than the cost to replace your most valuable belongings.
  • Low excess — When backpacking, you‘ll tend not to have a lot of spare cash, so paying a hefty excess if you need a claim can hurt your budget for things like food and accommodation. Look for policies with low or even zero excess.
  • Activities cover —- The best backpacker insurance companies cover a wide range of adventure sports as standard.
  • Flexibility — Cheap backpacker insurance policies can prevent you from extending your trip, and regard your trip to have finished if you pop back home during your travels. By contrast, some insurers allow extensions for a specified duration (e.g. 12 months), provided you contact them in advance.

Below are some of the best travel insurance policies for backpackers.


Flexicover’s Gap Insurance plan grants cover for up to 18 months. As well as offering up to £10 million in medical coverage per person and a generous cancellation cover limit of £5,000, it also insures you for over 100 sports and activities as standard. You’re also covered for stopovers of up to 72 hours for both outward and return journeys.

Top Dog

Top Dog offers several specialist policies under its backpacker insurance plans, from gap years and solo travel to volunteering and working abroad. Top Dog covers you for up to 18 months, with 100+ activities included, £10 million medical cover, and up to £10,000 cancellation cover per person. What’s more, Top Dog is rated highly by customers on review sites like Trustpilot, where they’ve garnered a rating of 4.3 out of 5 based on more than 1,300 reviews (as of April 2021).


Those who wish to embark on a particularly long trip might consider looking at a backpacker policy with Alpha. It will cover you for up to 24 months (depending on your age and destination) and includes a return-home extension, allowing 2 trips home for up to 21 days each time. Flexible cover means you can extend while you’re away. Plus, you’ll get £10 million emergency medical cover as standard. Alpha is rated Excellent on Trustpilot based on more than 16,000 reviews.

See more cub tcf near me the best backpacker travel insurance companies in our in-depth guide.

Our research into popular backpacker destinations has revealed surprising insights that may be useful for travellers planning trips:

Travel insurance that includes motorcycle cover

If you’re planning a road trip on your motorbike that’ll take you beyond the borders of the UK, you’ll need a travel insurance plan that will cover your bike too.

Most standard travel policies will cover you for a moped with an engine of up to 50cc. Some, like Columbus Direct, will be able to cover motorcycles with engines of up to 125cc as part of their standard activities pack.

You'll need a specialist motorbike travel insurance policy if your motorbike is over 125cc and you're planning on racing or off-roading. Common exclusions to most standard motorcycling travel policies are racing and riding off-road.

You can, however, find policies that will include racing cover. The insurers who do it are normally the ones who will insure powerful bikes. Voyager and Worldwide Insure policies include racing and off-road cover as standard. They also cover bikes of any size motorbike as long as you have a full licence.

It is important to consider a motorbike travel policy that offers cancellation cover (in case a pre-booked trip can’t go ahead) and personal liability cover, to pay out in case you cause an accident resulting in damage to someone or their property.

Check out our full guide to the best motorcycle insurers to learn more.

The best travel insurance for gadgets, phones and laptops

Many people wrongly assume that if they have £2,000 of baggage cover on their travel insurance, their Samsung Galaxy S8 or MacBook Air is covered. However, in many cases, the so-called "single item limit" - which can be as little as £150 with some cheap travel insurance policies - means that isn't true.

Many people wrongly assume that if they have £2,000 of baggage cover on their travel insurance, their Samsung Galaxy or MacBook Air is covered. However, in many cases, the so-called "single item limit" — which can be as little as £150 with some cheap travel insurance policies — means that isn't true.

Here are some examples of travel insurers with high single item limits:

  • Cedar Tree — Cedar Tree’s Platinum policy offers £500 gadget cover with the option to extend your cover to £3,000.
  • Top Dog — Top Dog can offer cover of up to £2,000 per item if you take out an optional Gadget Cover policy alongside your travel insurance.

Read the full article on Travel Insurance with High Single Item Limits here, or learn more with our in-depth guide to gadget insurance.

Travel insurance for pets

Travel Insurance won't cover expenses associated with taking your pets abroad — if your dog needs vet treatment while overseas, for example.

However, there are several pet insurance policies that cover pet travel - learn more about them in our article about Travel Insurance for Pets to find out how to get the best deal on travel insurance for pets.

Bought By Many's Complete pet insurance policy comes with up to £2,500 of vet fee cover when travelling abroad.

Travel insurance for pregnancy and those with young children

Most insurers will cover pregnant women but they will have some limits on the cover. Some only offer cover up to 28 or 30 weeks of the pregnancy. Finding this in the small print can be difficult, so if you are looking for travel insurance when pregnant it’s best to call or email a provider before you buy to make sure you’re covered.

If you’re flying, you’ll also need to check with your chosen airline because each one has its own limits on travel while pregnant. For example, some airlines will not allow you to fly if your pregnancy is considered full term.

Family travel insurance

A lot of travel insurance companies in the UK offer family travel insurance policies. These policies can usually insure two adults and up to five children. The level of cover should be adequate for an entire family. In addition, santander consumer car finance number one of you gets sick, you'll be able to use your cancellation cover for the entire party.

However, you should be aware that if your child is travelling alone, a family travel insurance policy may not cover them, so you might need to look into individual cover.

And if you have a disabled child you will need to declare any medical conditions to your insurer. Some may not offer cover, so you’ll need to look into a specialist provider.


When the UK was part of the European Union (EU), you could be covered for some medical expenses with a European Health Insurance Card (EHIC).

However, since the UK left the EU, EHICs have now been replaced with Global Health Insurance Cards (GHICs). This gives you the right to access state-provided healthcare during a temporary stay in the European Union (EU).

You can apply for a GHIC here.

Please note that your GHIC should not replace your travel insurance because GHIC does not cover things like repatriation costs (the price of bringing you back to the UK in a medical emergency), which can be extremely expensive.

Travel Insurance Reviews

We've written in-depth reviews on most of the holiday insurance companies in the UK mentioned in this article.

Travel insurance reviews for single trip and annual multi-trip policies

Travel insurance reviews on gap year and backpacker policies

This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers worldwide travel insurance including usa results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.

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Don’t forget to pack worldwide travel insurance when heading beyond Europe


f you’re travelling beyond Europe, worldwide travel insurance should be an essential element of your trip.

Having a comprehensive travel insurance policy in place will offer you the peace of mind that you’re financially protected should something unexpected go wrong during, or in the run-up to, your trip.

Here’s what you need to know when buying worldwide travel insurance.

What is worldwide travel insurance?

When you’re taking out travel insurance, you’ll be asked where you’re travelling to and whether you’d like a UK, worldwide or European policy.

If you’re travelling outside of Europe, you’re likely to need a worldwide policy, although always check an insurer’s definition of Europe. Some countries, such as Turkey, Morocco and Egypt, might be included under a European policy.

Generally speaking, there are two types of worldwide travel insurance:

  • Policies that include cover for travel to the USA, Canada and the Caribbean.
  • Policies that exclude travel to the USA, Canada and the Caribbean.

As with European policies, always check the geographical cover of a worldwide policy as some insurers might have different exclusions. As an example, under its “Region 3” worldwide travel insurance, the provider Staysure excludes travel to: Bermuda; Canada; the islands of the Caribbean; China; Hong Kong; Mexico; Thailand; and the USA.

Policies that do cover travel to the USA, Canada and the Caribbean are likely to be more expensive due to the cost of healthcare in these destinations.

Worldwide travel insurance can be taken out as a single-trip policy or an annual policy, depending on your travel plans over the next 12 months. If you’re going on an extended trip, you could also take out a worldwide backpacker policy.

You can buy worldwide travel insurance policies to cover individual travellers, couples, or for an entire family.

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Do I really need worldwide worldwide travel insurance including usa insurance?

No one likes to imagine things going wrong while they are away but, unfortunately, they can. It’s not a legal requirement to take out travel insurance, but having a comprehensive policy in place will remove the financial worry in the event of an accident, stolen belongings, or an unexpected cancellation.

Medical expenses could run into thousands while overseas, so it’s essential that you take out a worldwide policy with adequate medical protection. On its page about foreign travel insurance, the Foreign, Commonwealth & Development Office (FCDO) estimates a potential cost of £100,000 for a stomach bug or infection being treated in the USA with return flights.

What does worldwide travel insurance cover?

While individual travel insurance policies will vary, a comprehensive worldwide policy should cover you for:

  • Medical expenses – if you fall ill, have a medical emergency, or an accident while you’re away.
  • Repatriation – to get you back to the UK.
  • Cancellation, curtailment and missed departure.
  • Travel delays – your insurer is likely to stipulate a certain length of time after which this will apply.
  • Personal belongings, baggage and money – if they are lost, stolen or destroyed.
  • Personal liability – to cover you if you accidentally injure someone or damage their property.

You should pay attention to the financial limits in each area of a policy, making sure they are adequate for your needs. For worldwide medical expenses, it’s wise to look for cover of at least £5 million.

If you are not travelling as part of an ATOL-protected package holiday, consider looking for a policy that includes end supplier failure cover too. This will protect you financially should one of your travel companies cease to trade. Alternatively, scheduled airline failure covers the collapse of airlines. Both may be offered as an extra that you could add on to a policy.

What about cover for Covid-19?

Many travel insurance providers now offer some level of cover for disruption and emergencies as a result of Covid-19. However, policies vary so read carefully any terms and conditions or dedicated website pages about the cover on offer.

Look at wording around:

  • Medical cover for the duration you’ll be away – relating specifically to Covid-19.
  • Cancellation. For example, if you catch Covid-19 before a trip (or someone in your family does) or you’re asked to isolate before you’re due to travel
  • Curtailment, if you catch Covid-19 or test positive for it during a trip
  • Being unable to travel due to local, regional or local lockdowns. Be aware that this is unlikely to be covered as it’s a ‘known risk’.
  • A change in FCDO advice. Again, as this is a known risk, it is unlikely to be covered.
  • Any exclusions regarding Covid-19. As an example, if you buy a policy after testing positive for Covid-19 in the run-up to a trip, you’re unlikely to be covered.

Read this to find out more about travel insurance and Covid-19.

What won’t worldwide travel insurance cover?

When taking out worldwide travel insurance, you should pay attention to any exclusions a policy has so you don’t have any nasty surprises should you need to make a claim.

Some common travel insurance exclusions include:

  • Travelling against the advice of the FCDO. If you travel to a destination to which the FCDO is advising against all but essential trave, your policy is likely to be void unless you’ve taken a specialist policy out.
  • Not looking after your possessions. A claim may be turned down if you are found not to have taken reasonable care of your possessions, such as leaving cash by your bed in a hotel room, rather than putting it in the room’s safe.
  • Accidents while under the influence of alcohol or non-prescription drugs.
  • Accidents as a result of an activity not included on your policy, such as winter or adventure sports.
  • Undeclared pre-existing medical conditions. If you are found to have withheld medical information, a claim could be turned down. Some insurers may class Covid-19 as a pre-existing medical condition, too, if you were hospitalised with it or still suffer symptoms.
  • Disinclination to travel. Your insurer won’t pay for cancellation if you simply change your mind about a trip.

Some insurers may also exclude claims due to natural disasters such as volcanic eruptions, and future pandemics and epidemics as declared by the World Health Organisation.

Will worldwide travel insurance cover me for trips in the UK?

Some annual worldwide travel insurance policies will also cover trips within the UK, but always check the terms and conditions of your individual policy. Your insurance provider may offer a definition of what it classes as a ‘staycation’ in order to be protected. This may include having to be away for a certain number of nights on your break, staying in paid-for accommodation, or staying a certain distance from home.

When should I buy worldwide travel insurance?

The best time to buy any travel insurance policy is as soon as you’ve booked a trip. This means that you’ll be covered for unexpected cancellation in the run up to a trip as well as for events while you’re away. Always read terms and conditions around cancellation cover before buying a policy to ensure bank of america aba routing number florida comfortable with them.

How much does worldwide travel insurance cost?

Insurers work out travel insurance premiums based on a number of factors. These include:

  • Where you are travelling. The cost of healthcare is higher in certain destinations, so policies that include travel to the USA, as an example, will typically cost more.
  • Your age. Insurers, generally, see older travellers as more likely to make a medical claim so premiums are likely to be higher if you are over the age of 65.
  • How long you’re going to be away. The longer you need a policy to last, the more it will probably cost.
  • Choice of activities. Certain past-times and sports, such as skiing, come with a higher chance of injury. You may need to pay more for this cover.
  • Any pre-existing medical conditions you have. Before receiving a quote you’ll be asked a number of medical screening questions. It’s important to be honest when answering these, even if it pushes the price of your insurance up, or you may not be covered in the event of a claim.

Is cheap worldwide travel insurance a good idea?

With travel insurance, the cheapest policy will rarely be the best policy for you and choosing a policy on price alone could prove to be a false economy should you need to claim.

Instead, shop around and look at a number of worldwide travel insurance including usa from different companies side-by-side to find a policy that meets your travelling needs at the most competitive price.

When comparing policies, look carefully at the financial limits for each level of cover as well as the excess level. The excess is the amount you’ll need to pay towards a claim, so think carefully about whether you could afford to pay this should you need to.

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International Travel Insurance

International travel insurance is a type of medical insurance that provides coverage for travelers outside of their home country. Travel medical insurance can insure you against high medical bills in the event of an unexpected injury, illness or other accident.

Who Is International Travel Insurance For?

checkmarkInternational Travelers
checkmarkTraveling for between 2 days and 2 years
checkmarkLooking for safety and peace of mind
checkmark International Travelers checkmark Traveling for between 2 days and 2 years checkmark Looking for safety and peace of mind

What Can a Travel Medical Insurance Policy Cover?

  • Illnesses (including Covid-19)
  • Injuries on foreign soil
  • Accidents requiring medical attention
  • Trip cancellation or interruption
  • Loss of passport or wallet
  • Lost luggage
  • Emergency evacuation
  • And more

Benefits of Travel Medical Insurance

Whether you’re planning a trip overseas for business or for pleasure, having international health insurance is indispensable. No matter where you are, unforeseen incidents and mishaps can happen out of the blue, which is why it’s so important to be prepared. By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage, and more.

Additional benefits of travel insurance

Protection against accidents

Knowing you're covered in the event of an accident will let you relax and enjoy your holiday. You can travel with peace of mind and enjoy your vacation to the utmost when you know you're covered against any possible risks.

Protection against theft

If you've been a victim of theft while traveling abroad and have lost your wallet or belongings, your insurance provider may be able to provide you with instant assistance in the form of cash or another bill settlement service.

Assistance during emergencies

Knowing you're safe in the event of a political unrest-related emergency evacuation. Most travel insurance plans have international assistance and arrangements for emergency or medical evacuation of travelers.

Local resources or interpretation

Your insurance may come in handy if you find yourself in a difficult circumstance and need a local resource or interpreter. Would you know which hospital to contact if you were in a foreign country where no one spoke your native language? Are you fluent enough in the local language to explain your situation to them? In that situation, your travel medical insurance company can help you through these interactions by facilitating emergency services. Your insurance company may be able to assist you with a simple phone call.

Financial protection against risks

During your trip abroad, your travel health insurance coverage provides you with complete financial protection against a variety of risks.

Choosing VisitorsCoverage

At VisitorsCoverage, you can easily compare Travel Medical Insurance policies and buy them online, without excess paperwork or medical exams. You will need to provide the name, passport number and date of birth for each traveler in order to complete an application. We offer a wide variety of plans, all of which are highly rated and underwritten by reliable insurance carriers.


Worldwide Insure – Trusted Holiday & Travel Insurance for Single or Multi Trips

About Worldwide Insure

Established in 1993, Worldwide Worldwide travel insurance including usa is one of the UK’s most experienced and trusted Travel Insurance providers. Whether your trip is for business or pleasure, our comprehensive range of affordable travel insurance products are sure to meet your needs. Alongside regular Single-trip and Annual travel insurance policies, we provide a number of specialist travel insurance products, including Long-stay and Car Hire Excess insurance. Unlike the majority of travel cover providers, we can even cover you if you have already started your trip. In addition, we can cover you wherever you live in the world.

Truly Worldwide Travel Insurance

Trusted by thousands of travellers in the UK, EU, and across the world, our travel insurance policies are low-cost, yet offer all the benefits you need for a relaxed and safe trip overseas. From camping holidays in France to road trips across the United States; from scuba diving trips in South East Asia to round-the-world backpacking adventures – Worldwide Insure has a travel insurance product to give you complete peace of mind while you’re away.

We also understand that some people need to increase their coverage while their away – and that some people forget to take out cover altogether. We offer the flexibility to cover your trip when many other insurers are unable to.

Taking out cover is quick and easy. You can purchase your travel insurance online, or give us a call and we’ll be delighted to arrange your cover.

Travel Insurance for EU/EEA & International Residents

We’re a UK-based insurer, but we can cover you whether you are a UK, EU/EEA or International resident. We can give you cover even if your trip has already begun, and if your current insurance is due to expire, we can provide you with the cover you need. Backed up by more than two decades of experience in the travel insurance industry, we are able to insure a diverse range of travellers – one of the reasons people use our services year after year.

Travel Insurance for Sports & Activities

If you like to get active while overseas, medical travel insurance is more important than ever. Many activities are covered by our policies as-standard, but should you wish to add adventure sports to your policy, this can be arranged quickly and easily. Need flexible cover for casual or competitive participation? We can arrange this too, as well as offering travel health cover for snowboarders and skiers with our Winter Sports Travel Insurance.

Buying Travel Insurance When You’re Already Travelling

Find yourself overseas without insurance? Don’t worry – we won’t leave you high and dry without cover. If you are a resident of the UK and EU, we can provide you with the protection you need, swiftly and affordably. You can take out travel insurance today.

  • Worldwide Travel Insurance a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
  • All policies purchased online are emailed immediately - ideal for last-minute bookings.
  • Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund provided that the start date shown on your certificate has not passed and you are not claiming.

Customers with Serious Medical Conditions

The Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to or call 0800 138 7777 (Mon to Fri 8am – 6pm).

Medical Cover

Medical Cover

Medical Cover

Cancellation Cover

Medical Cover

Baggage Cover

Medical Cover

from £50
Policy Excess

View our policy benefits and cover limits
Benefit (excess)SilverGoldPlatinum
Cancellation & Curtailment£1,500 (£100)£5,000 (£75)£7,000 (£50)
Emergency medical cover£5,000,000 (£100)£10,000,000 (£75)£10,000,000 (£50)
Repatriation£200,000 (£100)£200,000 (£75)£200,000 (£50)
Baggage and Personal Belongings£750 (£100)£1,000 (£75)£1,500 (£50)
Missed Departure£750 (£100)£1,000 (£75)£1,250 (£50)

Worldwide travel insurance covering pre-existing medical conditions

The cost of travel insurance can vary significantly depending where you are travelling to, as insurers take into the account the medical/repatriation costs for each country.

As an indication, dealing with a heart attack in the USA (including repatriation to the United Kingdom) would normally cost over £100,000.

If you haven't decided where you're travelling to yet, and insurance cost is a factor you're wanting to consider, call us and we'll gladly look into quotes to different countries. At Freedom Insurance we'll provide you the very best service and be able to help you figure out which areas of the globe effect your premiums most and prepare you for the final cost of your trip.

Freedom's been providing travel and holiday insurance to people with pre-existing swedish dermatology edmonds conditions for over 17 years!

Medical travel and holiday insurance travelling worldwide

Flights, holidays and cruises to countries outside Europe naturally tend to cost more, even if you have bagged a great deal! Freedom’s worldwide holiday insurance offers the best cover should you face an emergency far away from home. We account for the fact that medical treatment and repatriation is likely to be more costly from long haul destinations than from countries closer to the UK, so we offer a high level of cover, protecting our policy holders from being out of pocket should the unthinkable happen.

If you are splashing out on the best worldwide holiday, you will also want to make sure you are adequately covered in case you are forced to cancel the trip due to illness or another relevant reason. We offer a range of policies with cancellation as high as £7,000 to protect the bigger trips which is more likely necessary when travelling such distances.

Freedom Travel Insurance

Why choose Freedom?

Specialist travel insurance including pre-existing medical conditions

We are specialists with over 17 years of experience. We've been providing travel insurance policies for people with a variety of pre-existing medical conditions since 2002.

Applying for worldwide pre-existing travel and holiday insurance

Freedom offers a variety of the best worldwide travel insurance cover options depending on individual circumstance. Worldwide single trip cover is available with no upper age limit and annual worldwide travel insurance up to the age of 80.

Whether you need a single traveller, couple or family policy, Freedom’s Travel Insurance agents are on worldwide travel insurance including usa to inform you of our most cost-effective options to cover your future holidays.

In addition, we can offer winter sports cover, hazardous pursuits, cruise and wheelchair cover if required on your trip!

Get all necessary vaccinations

Not only is this a sensible idea, but importantly, our travel insurance will not cover you for any claims linked directly or indirectly from your failure to obtain any recommended vaccines, inoculations or medications prior to your trip

Check for VISAs

Check VISA requirements. Read up on government advice or any new rulings that may affect your journey and prepare for them appropriately

Check FCDO travel advice

When traveling anywhere but particularly global and worldwide, it’s important to make sure you understand any on-going challenges occurring at your destination be it political, environmental or financial etc. You can always obtain such information from

"Excellent company and great service. I have used Freedom for many years. Peace of mind that we are covered for medical conditions and can enjoy our holiday. Very easy to use, online quotes and staff on the phones are very helpful, thanks."

Claire Davies

Tips for travellers with medical conditions

Medical screening and declaring pre-existing conditions

Insuring travelling companions on the same policy

Dealing with medical emergencies abroad

Medical travel insurance frequently asked questions

We do not ask for a letter from your GP in order to issue cover. Medical claims will be referred back to your GP so it is important that you answer our medical declaration honestly.

Should your pre-existing medical conditions, directly or indirectly disrupt your holiday plans, maybe causing you to cancel or possibly resulting in emergency medical treatment abroad, providing you have told us about your medical conditions and cover has been agreed, you will be able to recover your expenses (excesses may apply).

Our policies are available to you if you are permanently resident in the United Kingdom (UK) and registered with a general practitioner (GP) in the UK.

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International health insurance is designed for those living or working overseas for a prolonged period of time. It covers treatment for both matt holliday bobblehead and routine healthcare, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover.

If you are relocating or if you have a home abroad where you spend a significant amount of time, international health insurance may be required.

When experiencing a medical emergency, or even routine medical care, in a country where you are not familiar with the health system, and where you do not speak the language, international health insurance cover will ensure you get the medical attention you need.

International health insurance benefits vary by plan, but often include:

  • Hospital stay
  • Routine check-ups
  • Cover for pre-existing conditions
  • Cover for chronic conditions
  • Choice of medical providers

Our standard plans are modular so you can choose the combination of cover that best suits you and your families needs. In addition to the Core plan, options include:

The flexible nature of these plans allow you tailor them to your specific needs, making the right combination of cover for you and your family more financially accessible. Core plan and out-patient plan deductibles offer an opportunity to reduce premiums, as can careful consideration of the region of cover. For example, taking ‘Worldwide excluding USA’ instead of ‘Worldwide’ will alter premium significantly.

As an expat, it can be tempting to try to keep costs down by opting to worldwide travel insurance including usa on local healthcare when you are abroad. However, should you fall ill, you may find that the local healthcare options do not meet your needs.

Depending on where you are moving and your individual circumstances, you may not be entitled to free or subsidised healthcare. Without an expatriate health plan, you may incur expensive medical costs.

Before venturing to another country on expat assignment, it is important to weigh your options and ensure that you have a health insurance plan you can rely on. Having the correct cover in place, will provide peace of mind as you settle into your new home.

Take a look at our 'differences between international health insurance and travel insurance' plain talking guide.


Never Ending Voyage

This page contains affiliate links. Please read our disclosure for more info.

Can I buy travel insurance after departure? Yes, you can but what bank is turbotax prepaid card with a few insurance companies. 

Finding travel insurance when you’re already travelling is challenging. As digital nomads, we started out with a one year long term travel insurance policy, like many round the world travellers, but unlike them, after a year we carried on travelling.

We discovered that we couldn’t extend our travel insurance and new policies required us to be living in the UK at the time of purchase. As we were overseas, we didn’t know what to do and went uninsured for months—not a good idea. 

Thankfully, we discovered it is possible to buy travel insurance when already abroad—whether you forgot to buy insurance before departure or you want to travel for more than a year. 

While most companies don’t allow you to buy travel insurance after departure, there are a few reliable insurers that do.

The best we’ve found are SafetyWing (available worldwide), True Traveller (for UK and EU residents), World Nomads (worldwide except EU), and Heymondo (worldwide).

We now always make sure we’re insured because if anything went wrong it could cost us thousands to be treated or evacuated in a medical emergency. 

Black Friday Deal: Heymondo has 15% off all policies purchased this week (regardless of travel dates).


The pandemic has made travel insurance more important than ever.

Will your travel insurance cover coronavirus? Here are the policies of four companies that allow post departure travel insurance (more general details on them are found below). 

All now cover COVID-19 to a certain extent. Always follow local rules (such as vaccinations and masks) to make sure your policy is valid.

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SafetyWing nomad insurance does cover COVID-19 as long as it was not contracted before your policy start date. 

Testing for COVID-19 will only be covered if deemed medically necessary by a physician. The antibody test is not covered, as it is not medically necessary.

Their Remote Health plan also covers Covid. 

These are both monthly insurance plans designed for long term travellers from anywhere in the world. See below for more details. 

SafetyWing also covers quarantine outside your home country ($50 a day for up to 10 days) if it is required because of a positive COVID-19 test or if you are symptomatic and are awaiting test results. 

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True Traveller is only available for UK and EU residents. 

True Traveller will provide medical, cancellation, and curtailment cover for COVID-19, but only if you have been vaccinated and are not travelling to a country that the FCDO advises against “all but essential travel on the current assessment of COVID-19 risks.”

As of October 2021, there are only seven countries on this list, so most destinations are covered.

To find out, go to the FCDO Travel Advice page and search for the country you plan to visit to see the latest restrictions.

True Traveller also covers the cost of accommodation if you are required to quarantine after being diagnosed with Covid.

You can check the True Traveller coronavirus page for more information.  

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Coronavirus coverage with World Nomads depends on which country you are resident in.

You can check whether you are covered for Covid by going to the World Nomads coronavirus FAQ page and choosing your country of residence from the dropdown. 

World Nomads recently updated many of their insurance policies so that emergency medical coverage and repatriation due to coronavirus is now included.

In addition, their Explorer plan includes quarantine costs if you test positive and trip cancellation coverage for certain events such as contracting the virus and needing to cancel your trip.

Cover is not included for travel bans or border closures or if your government warns against travel to your destination.

COVID-19 is now covered for residents of the US, Canada, UK, Ireland, and many other countries in Asia, Middle East, Africa, South America, and some non-EEA European countries.

There is currently no COVID-19 cover for residents of Australia, New Zealand or Brazil. They have also temporarily paused all insurance chase bank name for taxes to EU residents.

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Heymondo Covid-19 Policy

Heymondo will cover medical, repatriation, and quarantine expenses if you contract COVID-19 abroad.

You need to follow any local rules such as social distancing, wearing a mask, getting a pre-travel test, and being vaccinated (if required by the destination).

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What to Look For In Your Travel Insurance Policy

  • Read the small print before buying a policy or you could be wasting your money if they don’t pay out.
  • When you are starting out in your home country you can buy any long term travel insurance policy for the first year. Just check they don’t require you to have a return ticket home.
  • When you need to renew make sure you are allowed to buy the policy when already travelling. Sometimes the policy must be purchased 48 or 72 hours in advance. SafetyWing does not require this waiting period so is a good option if you need immediate cover.
  • Medical coverage is the most important—make sure it includes emergency evacuation and repatriation.
  • Check which activities the policy includes if you are going to be doing things like scuba diving, white water rafting, and horse riding. You often need to pay extra to include high risk activities.
  • Most policies charge extra for skiing and snowboarding. You might just want to purchase a winter sports policy for the time you are in the mountains.
  • It’s unlikely that it will cover valuables like cameras and laptops (or the limit will be low) so you may need to get extra insurance for these (see below).
  • We don’t worry about baggage cover (our clothes and toiletries are hardly valuable) or cancellation cover, but you need to decide if they are important to you.
  • Cancellation cover will probably not apply if you are already abroad anyway.
  • Choose a worldwide policy if you don’t know where you’ll be travelling to. Otherwise it’ll be cheaper to exclude the US or to focus on one region like Europe.
  • Check the excess/deductible (the contribution you’ll have to pay towards a claim). The higher the excess the cheaper the policy, but make sure you can afford it.
  • No travel insurance covers pre-existing conditions. If you need this, SafetyWing’s Remote Health plan is your best option.

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The Best Travel Insurance When Already Abroad For Nomads Worldwide. 

SafetyWing travel insurance home page

SafetyWing is the world’s first travel medical insurance developed specifically for nomads, by nomads. They cover people from all over the world while they are outside their home country. 

We currently use SafetyWing Nomad Insurance and love having the ability to pay monthly and cancel at any time as we don’t know how long we’ll be away from the UK (our home country). 

They also cover COVID-19 (see above). 

They offer two products: 

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SafetyWing insurance for nomads can be purchased while travelling and there’s no cap on the duration of travel.

Unlike the other insurers on this list, cover can start immediately, even if you are already abroad (as long as you haven’t already had an accident).

It includes travel medical cover such as emergency doctor and hospital visits and medical evacuation. They also cover travel delay, lost checked luggage, and personal liability. Stolen baggage isn’t covered. 

It’s the most affordable long term travel insurance I’ve found for most nationalities. The standard policy costs a flat rate of US $42 per 4 weeks which is automatically charged every 4 weeks until you cancel.

This is for ages 18-39; other ages are available but will cost more (up to age 69). Travel to the US adds an extra $35 per 4 weeks.

There’s a $250 deductible and a $250,000 maximum limit on payouts.

Another unusual bonus is limited coverage in your home country. For every 90 days, you can use your medical coverage for 30 days in your home country (15 days in the US) if something happens while you are there.

Other benefits include free coverage for children under 10 (up to 2 per family). 

The policy covers many sports and activities, but it’s best to check their website if you are interested in a particular activity.

Unusually, they do cover moped or scooter accidents as long as the accident does not fall under any exclusions, such as the exclusions for racing and intoxication.

Visit the SafetyWing website for a quote or see my SafetyWing insurance review for more details including a comparison with World Nomads and True Traveller.

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Remote Health

SafetyWing also offers a global health insurance plan called Remote Health. This is aimed at individuals and teams of remote workers. 

It does not exclude pandemics, so it’s a good option if you are looking for a policy that will include coverage of COVID-19 medical expenses.

It offers more comprehensive health coverage than the SafetyWing Nomad Insurance including cancer treatment and pre-existing conditions (subject to approval). 

Note that this is not a travel insurance policy, so there united rentals phone number no coverage for non-health expenses such as lost baggage, travel delay, etc. 

It is significantly more expensive than the Nomad Insurance and you need to commit to a year contract.

Costs depend on the extras you decide to add, but a standard policy for one person aged 18-39 costs $153 a month or $287 including USA, Hong Kong and Singapore. 

Visit the Remote Health website for more details. 

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True Traveller 

The Best Post Departure Travel Insurance for UK and EU residents. 

True Traveller insurance website

We used True Traveller insurance for eight years and it’s the best value, most digital nomad and backpacker friendly policy we’ve found for UK and EU residents.

True Traveller covers COVID-19 as long as you have been vaccinated (see above).

True Traveller usaa claims number you to buy travel insurance when already travelling and they don’t require a return ticket, so it’s ideal for digital nomads, long term travellers, or anyone who has forgotten to buy insurance before leaving. 

If you are already abroad, cover does not start until 48 hours after purchase.

They really understand the needs of long term travellers and you can tailor the policy to suit you, choosing the most basic medical insurance or adding extras like baggage, electronics, cancellation, activities, and winter sports cover. This helps keep costs down as you only buy what you really need. 

Their site is user friendly and easy to understand. True Traveller was originally an adventure travel company, not an insurance company. Their policies are designed by travellers for travellers and it shows.

Making a claim with True Traveller was quick and easy. After visiting the doctors in Bali all I had to do was fill in a simple form, take photos of the doctor’s report and receipts, and send it all by email. Just three working days later I received the money in my bank account!

You can read our detailed True Traveller insurance review here including the claims process. 

How Much Does a True Traveller Policy Cost? 

Currently, a one year True Value worldwide (excluding North America) policy without baggage costs £337 per person for a 39-year-old.

Although this policy excludes the US and Canada, you are covered for 14 days there without any additional cost. 

To include the US for the whole year, the policy would cost £401 for a year. 

It’s the best value insurance I’ve found for Brits on longer trips.

For shorter trips, it’s significantly more expensive (but more comprehensive) than SafetyWing—from £89 for 4 weeks for a 39-year-old travelling worldwide (excluding US).

We used to buy the most basic policy (only available for those under 40) to keep costs down and as we’re only interested in the medical coverage (£2.5 million is covered).

There’s a £125 excess (deductible) but you can pay slightly more to reduce this to 0 (which I recommend).

91 activities are included as standard so we didn’t need to purchase the Adventure or Extreme pack to include high risk activities like scuba diving at lower depths or black water rafting. Check their list to see what activities you are likely to be doing.

If you are over 40, you’ll have to purchase the Traveller or Traveller Plus policies which are more expensive but provide more coverage and a lower excess.

Unfortunately, they don’t insure those over 65. 

Click here to go to True Traveller for a quote.

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Comprehensive Travel insurance When Already Abroad for Most Nationalities. 

World Nomads travel insurance already abroad quote

World Nomads is a well respected travel insurance company that we used on our round the world trip in 2007-8.

They allow you to get travel insurance while abroad so are popular with many digital nomads and long term travellers we know.

For some nationalities there is a waiting period of 48 or 72 hours before the insurance takes effect if you are away from home when you purchase. Check the terms for your country, but currently this applies to UK, Canada, and others.

Their policies are some of the most comprehensive on the market with high maximum amounts for medical cover (£5-10 million) and lots of extras like rental car excess insurance (in the Explorer plan). They also cover many adventure activities.

World Nomads is available for most nationalities, but since August 2021, they have temporarily suspended cover to residents of all EU countries except Ireland. It’s still available for UK residents.

The main downside is that they are more expensive than both True Traveller and SafetyWing. World Nomads cover and price also varies depending on your country of residence.

Currently, a one year standard policy for a 39-year-old Brit travelling worldwide (excluding US) costs £497, which is much more expensive than True Traveller.

For shorter trips, it can be better value than True Traveller—a four-week trip costs £50.20. This is still much more expensive than SafetyWing, though.

The World Nomads policy is more comprehensive and includes baggage and cancellation, but these aren’t things we really need. You’ll need to decide your own priorities.

You can see a detailed comparison in my SafetyWing review. 

Click here to go to World Nomads for a quote.

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ComprehensivePost Departure Travel Insurance Available Worldwide.

Heymondo post departure travel insurance quote

Heymondo is the most recent company I’ve discovered that offers travel insurance after arrival.

Note that their policies are only valid 72 hours after purchase.

Here are some pros of Heymondo travel insurance:

  • It’s available worldwide with similar coverage for all nationalities.
  • They cover COVID-19.
  • Comprehensive coverage including high medical payouts (£3.5-10 million), although this is lower for US residents ($250/500,000 USD).
  • You can add electronics and adventure sports coverage.
  • Prices are the same for all ages and available up worldwide travel insurance including usa 69 years. This makes it better value for older travellers.
  • There’s no deductible/excess except for the long stay policy (for trips over 90 days).
  • You don’t need to pay upfront for medical expenses—contact them to take care of payment.
  • There’s a dedicated app with a doctor available for 24-hour online chat.

The main downsides are higher prices and limited activity coverage (including no ski cover). If you’ll be doing lots of adventure sports, check what they cover—you might have to pay extra to include your activity.

A 4-week trip worldwide (with or without the US) costs £96 for their Top policy and £99 for Premium.

This is much more expensive than the options above for younger age groups, but for over 50s travelling to the US, it becomes significantly cheaper than SafetyWing.

Click here to get a Heymondo quote (with a 5% discount for Never Ending Voyage readers).

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Electronics Insurance for Travel

Most travel insurance policies don’t cover valuables and electronics or have a low limit.

If you want to include electronics in your policy, Heymondo is the best option. With their Premium plan your electronics are covered for 50% of the baggage limit ($2500/£2500) or you can pay extra to extend this to 100%.

We used to have a separate policy with Photoguard that covered our cameras and laptops for accidental damage and theft. 

They only cover UK citizens and the cost depends on the value of your items—when we last renewed ours was £263 a year. 

We stopped using Photoguard as they no longer cover long term travellers, so it’s only a good option for shorter trips.

We struggled to find an electronics insurance policy that would cover us for a whole year, so we no longer have insurance for our camera and electronics. We make sure we have savings to cover their replacement if necessary. 

Another option we’ve heard of is to get your electronics added to a family member’s home insurance policy.

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The best post departure travel insurance for you depends on your age, nationality, length of trip, and the cover you need.

If your budget is limited or you want to pay monthly, SafetyWing is best for most travellers, especially those under 50.

True Traveller offers more comprehensive cover and can be good value for Brits and Europeans on long trips.

For all nationalities, World Nomads and Heymondo provide high levels of cover, but they can be pricey.

If you are over 50, check out Heymondo as it can be more affordable than the others. They also have the best electronics cover.

Whatever you decide, make sure you do buy travel insurance. If the worst happens you’ll want to be covered or it could end up costing you more than you can afford.

Let us know if you’ve heard of other companies that allow you to buy travel insurance whilst already abroad. 

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Learn how to choose travel insurance and the best travel insurance when already abroad for long-term travellers and digital nomads.

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Are you looking for Christmas gift ideas? See our guide to the 50 Best Gifts for Travelers which includes unique suggestions for every budget.


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