Compare worldwide travel insurance

Having travel insurance designed around your worldwide trips means you can explore the world freely, knowing you’re protected every step of the way. Policies vary between providers, so it’s always worth checking what’s included before you buy.

When you compare quotes with PayingTooMuch, you’ll see cover options designed around your trips. Depending on the provider and level of cover, this might include:   

 

• pre-existing medical conditions – many travel insurance providers offer cover for existing medical conditions if you declare them when you buy 

 

• trip cancellation or cutting your holiday short – claim back the cost of your holiday if you can’t travel due to illness, injury, or an emergency

 

• emergency medical treatment – cover for medical bills abroad, plus medical repatriation back to the UK if needed
• travel delays and disruptions – protection against costs caused by delays, missed departures or travel interruptions

 

• lost, stolen, or damaged belongings – cover for baggage, valuables and important travel documents

 

•  cash and personal possessions – some policies also include cover for lost or stolen money while you’re away 

 

• personal liability – cover for accidental damage or injury to others while you’re abroad 

Most of the time, you won’t be covered for:

 

• alcohol or drug-related incidents – most insurers won’t cover claims that happen while under the influence 

 

• undeclared medical conditions – if you don’t tell your insurer about a pre-existing condition, you might not be covered if something goes wrong 

 

• travelling against medical advice – if your doctor recommends you don’t travel and you go anyway, your cover could be invalid 

 

• cancellations for personal reasons – if you choose not to travel or cancel for something that’s not listed in your policy, you’re unlikely to be covered 

 

• planned medical treatment abroad – travel insurance is for unexpected emergencies, not medical care you’ve arranged in advance 

 

Different insurance providers may have different policies for anything you’re not covered for, so make sure you read your policy documents in detail. This means that you’ll know exactly what your travel insurance covers you for.   

When you compare worldwide travel insurance with PayingTooMuch, you can find cover that suits your trip – so you can explore the world without a worry. And if something unexpected happens, you’ll have the protection you need to keep your plans on track. 

 

With PayingTooMuch, you can: 

 

• compare single trip insurance for a one-off worldwide holiday. Just remember to add all the countries you’ll be visiting on that trip to make sure you’ve got the right cover in place for every destination. 

 

• compare annual multi-trip insurance if you travel several times a year. Most providers set a maximum trip length, which can vary depending on your age and the insurer.

 

• see European travel insurance options for shorter regional trips, if your travels are just around Europe 

Before you travel, always check:

 

• that the Foreign, Commonwealth and Development Office (FCDO) is not advising against travel to your destination.

 

• your destination’s local guidance, entry requirements and safety measures

 

By comparing policies with PayingTooMuch, you can also see which providers include cover for COVID-19.  

With worldwide travel insurance you can discover more of the world – whether you’re visiting one destination or ticking off several countries in a single trip.  

Many providers split worldwide cover by region, for example: 

 

• worldwide (excluding USA, Canada, Caribbean, Mexico, Bermuda, China, Hong Kong, and Thailand) – covers all other worldwide destinations that the FCDO isn’t advising against travel to. 

 

• worldwide (including USA, Canada, Caribbean, Mexico, Bermuda, China, Hong Kong, and Thailand) – extends cover to these destinations as well, provided the FCDO isn’t advising against travel. 

 

Some policies may include more region-specific options, including Europe, Asia, Africa, and Oceania.

 

Check your policy documents for details of the cover level included with your worldwide policy.

• Africa: South Africa, Kenya, Tanzania, Namibia, Ghana, Cape Verde 

 

• Asia: India, Sri Lanka, UAE, Malaysia, Japan, Bali, Thailand  

 

• North America & Caribbean: USA, Canada, Mexico, Cuba, Jamaica 

 

• South America: Brazil, Argentina, Peru, Colombia, Chile

 

• Australia & Oceania: Australia, New Zealand, Fiji, French Polynesia, Samoa  

 

Travel insurance for some destinations may depend on travel advice from the FCDO or the World Health Organization (WHO).

 

With PayingTooMuch, you’ll enter your destination when getting a quote, so you’ll only see policies covering the countries you’re travelling to.

 

Travelling with a medical condition can still be straightforward. The right travel insurance gives you protection if the unexpected happens. 

 

When you compare with PayingTooMuch, we’ll show you policies designed around your individual health needs – so you can get the right cover and travel knowing you’re protected. We’ll just ask a few simple questions about your medical history to make sure your policy works for you.

 

This helps ensure that: 

 

• you’re covered for treatment linked to your condition while abroad 

 

• your policy stays valid if something unexpected happens during your trip 

 

• you won’t face unexpected medical bills that could otherwise be excluded

 

We work with trusted providers who specialise in covering a wide range of conditions, so you can find affordable cover designed around both your trip and your health – helping you travel with confidence. 

The amount you can claim depends on your policy and the type of cover you choose. For example:  

 

• cancellations – some policies cover up to £10,000 if you can’t travel due to illness, injury, or an emergency

 

• emergency medical treatment – policies offer extensive cover to take care of unexpected hospital bills, ambulance costs, or repatriation back to the UK 

 

• lost luggage or belongings – you’ll usually be able to claim valuables, luggage, or personal items, up to your policy’s limit

 

Each travel insurance provider sets different claim limits, so always check your policy documents carefully before you buy to make sure the level of cover suits your trip.

The cost of worldwide travel insurance can vary based on several factors: 

 

• Age: the cost of your policy tends to increase with age due to higher medical risks. Some insurers may offer policies up to a certain age limit.

 

• Medical conditions: pre-existing medical conditions can affect the price of your of your travel insurance. It's important to declare all medical conditions to ensure the right cover. 

 

• Trip length: longer trips can result in higher cover costs, as the likelihood of needing to claim increases. 

 

• Destination: travel to countries with higher healthcare costs can raise the cost. For instance, destinations like the USA and Canada are typically more expensive to insure than European countries. 

 

• Type of cover: the level of cover chosen, such as single trip or, annual multi-trip,, can affect the price.

 

• Optional add-ons: including extras like cruise cover,  or travel disruption cover can add to the cost.

 

Understanding these factors can help you choose the right policy and ensure you're properly covered for your trip.

Yes. The Global Health Insurance Card (GHIC) or older European Health Insurance Card (EHIC) gives you access to state-provided healthcare in certain countries. But they don’t cover:

 

• medical repatriation to the UK 
• trip cancellations or delays 
• lost or stolen belongings 

 

Worldwide travel insurance should provide this cover, making it essential even if you have a GHIC/EHIC. 

Depending on your holiday, you may want extra cover for:

 

• winter sports cover – skiing or snowboarding trips abroad 

 

• cruise cover – river cruises, Mediterranean cruises, or longer ocean voyages

 

To see travel insurance policies that include either of these, just tell us about your plans and we’ll make sure that the policies we compare include what you need.

1. Get started 

 

Click ‘Get a quote’ to begin. Answer a few questions and we'll help you find the right worldwide cover. 

 

2. Choose your cover and extras

 

• Single trip: select the countries you’re visiting.
• Annual multi-trip: choose the region you want cover for, such as worldwide

 

3. Compare quotes

 

Once you've entered your details, we’ll show you all the quotes from trusted insurers, from cheapest to most expensive. Compare the options to choose the right cover at a great price.