Worldwide Travel Insurance

Worldwide Travel Insurance provides cover for trips outside Europe, as well as destinations within Europe, depending on the region you select. It can help protect you against unexpected medical expenses, trip cancellations, lost baggage and other covered events while travelling abroad.

At AllClear, our Worldwide Travel Insurance is designed to support travellers with different health needs, including those with pre-existing medical conditions. We offer cover for over 1,300 medical conditions, with no upper age limit on eligible policies.

You can choose between worldwide cover that includes or excludes the USA, Canada, Mexico and the Caribbean, depending on where you’re travelling.

Why do you need Worldwide Travel Insurance?

Travelling further afield can mean facing unfamiliar healthcare systems and expensive medical bills. Worldwide Travel Insurance can protect you against unexpected costs, especially if you need emergency medical treatment, medical repatriation, or have to cancel your holiday for a covered reason.

According to the Association of British Insurers (ABI), 34% of Travel Insurance claims involved medical expenses, highlighting why suitable protection matters when travelling abroad.

Here are four reasons to consider Worldwide Travel Insurance:

• Expensive medical treatment: According to Which?, treatment for a heart attack or heart bypass in the USA could cost around £150,000, depending on the treatment required

• Unexpected medical emergencies: The Foreign, Commonwealth & Development Office (FCDO) estimates that hospital treatment for a stomach infection in the USA, potentially including medical repatriation, could cost £150,000 or more

• Medical repatriation: If you become seriously ill or injured abroad, you may need assistance returning to the UK. Which? estimates that escorted medical repatriation from Thailand could cost around £20,000

• Pre-existing medical conditions: If you have an existing medical condition, it’s important to declare it when arranging Travel Insurance. Suitable cover may help with eligible emergency treatment costs relating to conditions you’ve declared and your insurer has accepted

• Age and medical needs: ABI research found that the average Travel Insurance claim was £1,830 for travellers aged 71–75, compared with £518 for those aged 36–40. This highlights why arranging suitable cover for your circumstances matters.

Remember, your Global Health Insurance Card (GHIC) only provides access to certain state healthcare services in eligible countries. It doesn’t replace Travel Insurance or cover medical repatriation.

By arranging suitable Worldwide Travel Insurance before you travel, you can prepare for unexpected medical costs and other covered events, wherever your holiday takes you.

Exploring destinations around the world can mean travelling further, visiting multiple countries and experiencing different healthcare systems. Worldwide Travel Insurance helps protect your holiday plans and provides support if something unexpected happens abroad.

Here are some of the key benefits:

Choose your Worldwide Travel Insurance before you travel and make sure it covers your destinations, planned activities and any declared and accepted medical conditions.

At AllClear, we believe your age or medical history shouldn’t stop you from exploring the world. With over 25 years of experience helping travellers find suitable cover, we understand that everyone’s travel and health needs are different.

Here’s why millions of travellers have chosen AllClear:

From once-in-a-lifetime adventures to visiting family overseas, we’re here to help you find Worldwide Travel Insurance that suits your plans.

The right Worldwide Travel Insurance should reflect your destinations, the length of your trip and the activities you have planned.

Start by checking which countries your policy includes. Some Worldwide policies exclude the USA, Canada, Mexico and the Caribbean, so it’s important to choose cover that matches your full itinerary, including any stopovers.

Think about the cost of your holiday, too. Long-haul flights, accommodation and excursions can add up, so compare cancellation and baggage limits with what you’ve booked. Check your emergency medical and repatriation cover, particularly in countries where healthcare can be expensive.

If you have pre-existing medical conditions, make sure they’re declared and accepted. You should also check that any planned activities, such as cruises or golf, are covered.

Finally, consider how long you’ll be away and how many trips you’re planning. Always read the Policy Wording to understand your cover limits and exclusions before buying.

With AllClear, you can explore destinations worldwide with Travel Insurance that suits your plans. We offer two geographical cover options:

• Worldwide excluding the USA, Canada, Mexico and the Caribbean – Ideal if you’re travelling further afield but won’t be visiting these destinations
• Worldwide including the USA, Canada, Mexico and the Caribbean – Cover for destinations across the globe, including countries where medical treatment can be particularly expensive

Planning to visit several countries in one holiday? You can include multiple destinations under one policy. Simply tell us where you’re travelling and your departure and return dates when getting a quote.

If you’re planning more than one getaway, our Annual Multi-Trip Travel Insurance could be a convenient option. It covers multiple holidays over 12 months, as long as each trip falls within your policy’s geographical area and duration limits.

Exploring the world doesn’t always mean sticking to a two-week holiday. You might be travelling across several countries, spending a month visiting family overseas or planning a longer adventure.

With AllClear, you can choose Single Trip Travel Insurance for one journey lasting up to 12 months, subject to the maximum duration available when you get a quote.

If you’re planning several holidays, Annual Multi-Trip Travel Insurance covers multiple journeys over 12 months. Individual trips can last up to 45 days if you’re aged 70 or under, with options to extend to 50 or 55 days for an additional premium. For travellers aged 71 or over, the maximum is 35 days per trip.

Before booking, check that your policy covers the full length of your journey, including any time spent travelling between destinations.

The cost of Worldwide Travel Insurance depends on where you’re travelling, how long you’re away and the level of cover you choose. Your age and any pre-existing medical conditions can also affect the price.

Your destination can make a significant difference. For example, Worldwide Travel Insurance that includes the USA, Canada, Mexico, and the Caribbean may cost more than cover excluding these destinations, partly because medical treatment costs more in some countries.

The type of policy matters, too. If you’re planning several holidays throughout the year, Annual Multi-Trip Travel Insurance could offer better value than buying separate Single Trip policies.

We offer three levels of cover, so you can compare your options and find protection that suits your needs and budget. The easiest way to find out how much your worldwide holiday insurance will cost is to get a personalised quote.

Travelling to new destinations can be exciting, but managing your health away from home takes extra preparation. With AllClear, you can arrange Worldwide Travel Insurance that considers your medical history, with protection for eligible emergency treatment abroad.

We’ve helped cover over 3.5 million travellers and offer cover for more than 1,300 medical conditions. Our specialist medical screening helps us understand your health needs, so you can explore your options before setting off. Conditions we can offer cover for include:

Different destinations can bring different healthcare costs and challenges. That’s why it’s important to declare your medical conditions accurately and check that your chosen policy includes every country on your itinerary.

Have more than one medical condition? You can tell us about them when you get a quote. We’ll ask about your diagnoses, treatment and medical history to help you understand the cover available for your trip.