Making sure you have the right cover for your travels means you can get busy exploring your chosen destination, rather than worrying about the small print of your travel insurance policy booklet should anything unplanned happen.
What is worldwide travel insurance?
Worldwide travel insurance isn't a legal requirement, but it's a must when heading overseas so you don’t get left out of pocket by the unexpected.
If you’re travelling to Europe only, it may be cheaper to take out European Travel Insurance as opposed to worldwide – but different insurers define ‘Europe’ differently. Admiral’s policies stretch the boundaries of Europe to include countries such as:
If you’re planning a year of trips spanning Europe and further afield, worldwide multi trip travel insurance could be better suited to your needs.
What countries does worldwide travel insurance cover?
While you’d be forgiven for thinking worldwide travel insurance covers you in every country across the world, this isn’t always the case. Be mindful that the USA, Canada, Caribbean and Mexico are commonly excluded destinations in some worldwide policies.
Cheap worldwide travel insurance may not be the best cover for your needs. Make sure you read through the terms and conditions of your policy before buying to guarantee your destination is covered.
We break down travel into three zones:
- Worldwide excluding USA, Canada, Caribbean and Mexico
Then there are three tiers of cover with increasing coverage and product benefits:
- Admiral Gold
- Admiral Platinum
Emergency medical treatment & repatriation (Limits up to)
Cancellation or cutting short your trip (Limits up to)
Personal belongings (Limits up to)
Money & documents (Limits up to)
Read the full list of benefits in the policy summary booklet.
Do you need single trip or annual cover?
If you’re travelling to remote corners of the globe, it’s likely you’ll be away for longer than usual. Admiral’s single trip policy covers up to 365 days, making it great for gap years and extended trips.
If you think you’ll be going on multiple trips throughout the year (up to 31 days per trip) then an annual worldwide travel insurance policy could be better for you.
Are you taking a gap year?
If you’re taking a gap year and travelling to multiple countries, you’ll need to consider the areas you plan to travel to. If you’re staying in Europe, a Europe-only policy will cover you. Trips to the USA, Canada and the Caribbean require worldwide cover that includes these destinations too.
Things to consider when travelling
These hints and tips will not only give you peace of mind but will help your worldwide trip run as smoothly as possible.
Book your vaccinations
Sometimes you need multiple vaccines to be fully protected and some can leave you feeling poorly. If you book them in early you avoid suffering side effects as you start your trip. Check out our comprehensive guide on travel vaccinations.
Apply for your visa
Some countries require a visa for entry. Again, apply as early as possible as the process can take time. Not sure if you need a visa? We’ve got you covered in our bumper guide to travelling and visas.
Buy travel money
Swot up on the local currency. Figure out a rough conversion rate in your head per £1 so you know whether prices are reasonable. A money belt and multiple methods of payment are also sensible to improve personal security.
Do your destination research
While preparations for your trip are likely to be jam-packed, try to put some time aside for researching your destination. Include daily costs of accommodation and food, the location and contact details of the British Embassy, and local cultural customs to be aware of such as appropriate dress.
Pay attention to Foreign, Commonwealth and Development Office advice
We don’t cover locations where the Foreign, Commonwealth and Development Office has advised against “all travel” or “all but essential travel.”
These warnings may be issued for example in relation to a state of political unrest. If you’re concerned your destination could fall into this category be sure to check with the Foreign, Commonwealth and Development Office.
Going skiing on your trip?
If you’ll be hitting up the slopes, you must add our Winter Sports upgrade to be covered for the trip. It offers protection for things like:
- Lost or stolen equipment
- Piste closure
- Replacement equipment hire
Taking a cruise?
If you’re planning a cruise on your holiday, you must add our Cruise Insurance upgrade to be covered for the trip.
What if I have a pre-existing medical condition?
A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing medical conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 in the last two years and sought medical attention, this needs to be declared on your policy.
If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The Money Advice Service Medical Directory
If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.
Alternatively, you can call them on 0800 138 7777. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)
Your questions answered
Should I get travel insurance for Dominican Republic?
It’s not a legal requirement to have cover, but it’s sensible so you aren’t left footing the bill yourself should something happen. For example, the average cost of treating a broken leg (including repatriation) in Dominican Republic is a hefty £25,000. Take a look at our Getting Ill Abroad page for more information on the true costs of medical treatment across the world.
Do I need travel insurance for Cuba?
Yes, you do – travel insurance is mandatory when travelling to Cuba. You may be asked to show proof of travel insurance when you arrive and you’ll need to make sure you’re covered for your whole trip.
Do I need travel insurance for Morocco?
You don’t have to have cover to take a trip to Morocco, but it’s worth having so as not to be left out of pocket should the worst happen.
What does Mexico come under for travel insurance?
If you’re travelling to Mexico, you'll need to select the Worldwide level of cover.
Do I need travel insurance for Australia?
You can travel to Australia without insurance, but it’s a good idea to have it so you’re covered should something happen. If you were stung by a jellyfish in Australia, it could cost up to £12,000 for you to get home.
Medical costs for treating the sting would usually be covered by the Reciprocal Health Agreement between Australia and the UK, but if you’re denied boarding by the airline and need to upgrade to a business class ticket for more room (the sting may restrict blood flow) or you need to extend your stay until the swelling goes down, you could be looking at parting with thousands of pounds without travel insurance. See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations.
Does worldwide insurance cover Europe?
If you're travelling to Europe it may be cheaper to get a European travel policy rather than worldwide cover. Check out our European Travel Insurance page to find out more
Do you provide worldwide travel insurance for over 65s?
Our current maximum age limit for single trip and annual multi trip insurance is 70 years old.
Does travel insurance cover assault?
If you need medical treatment after an assault, Admiral Travel Insurance will cover you, unless you’ve put yourself in needless danger (other than to save someone’s life).
Travel insurance is designed to cover you against the unexpected. If you’ve picked a fight with someone and ended up injured because of it, your claim may not be successful as you put yourself at risk.
Is pregnancy a pre-existing condition for travel insurance?
Pregnancy isn’t considered a pre-existing medical condition, so there’s no need to tell us before you travel.
However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.
We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There’s also no cover if the carrier denies you boarding.
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.