You can find the best travel insurance companies to cover you internationally by:

  1. Finding policies that cover you worldwide

  2. Deciding what level of cover you want

  3. Picking a policy that offers what you need at the cheapest price

What is covered?

The main types of cover include:

  • Medical expenses: This covers your medical bills if you are ill or injured on holiday. It can also cover the cost of getting you home in an emergency, plus added accommodation and travel costs.

  • Cancellation: This covers the cost of cancelling your trip if you cannot travel due to an emergency. It also covers you if you have to cut your trip short, e.g. if a relative dies. Here is more about when cancellation cover will pay out.

  • Personal belongings and baggage: This covers accidental loss, theft or damage to your possessions, including your luggage. Check the single item limit and the maximum claim limit, to make sure your most expensive belongings are covered.

  • Lost passport: This covers any additional accommodation or travel costs you have to pay to replace your passport if it is lost or stolen. Most policies will pay out between £250 and £500.

  • Delays: This covers extra expenses if your travel is delayed for more than 12 hours. For example, food, travel costs and accommodation. If your airline causes delays to your travel, you may also be able to claim compensation from them.

How much does it cost?

This depends on:

  • Your age

  • If you have pre-existing medical problems

  • Where you are travelling to (dangerous regions will cost more)

  • The length of your trip

  • If you include optional extras, e.g. cover for extreme sports

The cost of worldwide travel insurance varies between providers, so shop around and find the best deal.