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 unplannedhappen.
What is worldwide travelinsurance?
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 theunexpected.
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 suchas:
- Egypt
- Morocco
- Tunisia
- Turkey
If you’re planning a year of trips spanning Europe and further afield, worldwide multi trip travel insurance could be better suited to yourneeds.
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 worldwidepolicies.
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 iscovered.
We break down travel into threezones:
- Europe
- Worldwide excluding USA, Canada, Caribbean andMexico
- Worldwide
Then there are three tiers of cover with increasing coverage and productbenefits:
- Admiral
- Admiral Gold
- Admiral Platinum
Read the full list of benefits in the policy summarybooklet.
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 extendedtrips.
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 foryou.
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 destinationstoo.
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 aspossible.
Book yourvaccinations
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 travelvaccinations.
Apply for yourvisa
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 andvisas.
Buy travelmoney
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 personalsecurity.
Do your destinationresearch
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 appropriatedress.
Pay attention to Foreign, Commonwealth and Development Officeadvice
We don’t cover locations where the Foreign, Commonwealth and Development Office has advised against “all travel” or “all but essentialtravel.”
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 DevelopmentOffice.
Going skiing on yourtrip?
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 thingslike:
- Lost or stolenequipment
- Pisteclosure
- Replacement equipmenthire
Taking acruise?
If you’re planning a cruise on your holiday, you must add our Cruise Insurance upgrade to be covered for thetrip.
What if I have a pre-existing condition?
A pre-existing 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 acondition.
You can declare your pre-existing 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 03332349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
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'llneed 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?
Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.
However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.
Please get a quote or contact us to find out more.
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.
