Worldwide travel insurance reviews

Travel insurance

Worldwide travel insurance reviews

By Simon Miller

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Worldwide travel insurance reviews

See which insurers will give you the cover you need at an affordable rate if you're travelling overseas.

Whether you are taking just one trip or many trips worldwide in the next 12 months, our Best Rate policies will give you the cover you need at an affordable price.

Which? Best Rate travel insurance policies provide the cheapest cover meeting our stringent criteria. Our policies include at least £2 million of medical cover for Europe and £5 million worldwide, £1,500 of cover for baggage and personal belongings, and £3,000 for cancellation or curtailment.

We have also analysed the 22 most important elements of your travel insurance policy to see which providers offer the best all-round cover, including missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers with a policy score of less than 65% are not included.

It is worth noting that policy details can change depending on whether you buy direct or via a comparison site. Always check the terms and conditions of your policy carefully.

Worldwide Best Rate single trip policies (24 days including USA)
  Premium Maximum age premium applies (year) Policy score
Adult
Covered2Go Gold £38 49 81%
Blue Bear Travel Gold £39 49 79%
Multitrip Premier £39a 67 65%
Insuredtotravel Platinum £40 65 83%
Holidaysafe Premier £42a 55 92%
65 to 69 years
Multitrip Premier £39a 67 65%
AnnualTravelInsurance Super £42a 67 65%
Greatcover Super £43a 67 65%
Covered2Go Gold £55 70 81%
Blue Bear Travel Gold £58 70 79%
70 to 74 years
Holidaysafe Premier £76a 74 92%
Insuredtotravel Platinum £79 74 83%
Covered2Go Gold £83 80 81%
Blue Bear Travel Gold £85 80 79%
Letsgoinsure Travellers Choice £85 74 87%
75 to 79 years
Covered2Go Gold £84 80 81%
Blue Bear Travel Gold £85 80 79%
Holidaysafe Premier £92a 79 92%
Golfguard Single Trip £100 79 67%
Insuredtotravel Platinum £118 79 83%
80 + years
Covered2Go Gold £131 No limitb 81%
Blue Bear Travel Gold £132 No limitb 79%
Holidaysafe Premier £136a 84 92%
RAC Silver £148 85 65%
Insurancewith Sapphire £182a 84 75%
Family
Nowicantravel Premier £74 35 65%
Blue Bear Travel Gold £75 49 79%
Covered2Go Gold £75 49 81%
Multitrip Premier £75a 67 65%
Holidaysafe Premier £80a 35 92%

Table Notes:
a. Online price. Phone price may be higher b. Price for age 90. Premium increases for 91 years plus

Premiums were gathered during September 2016. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in May 2017.

Worldwide Best Rate annual trip policies (including USA)
  Premium Maximum age premium applies (year) Policy score
Adult
Leisurecare Multi Traveller £33 59 65%
OUL Direct Gold £34 49 65%
Covered2Go Gold £38 49 81%
Blue Bear Travel Gold £39 49 79%
Annualtravelinsurance Super £44 65 65%
65 to 69 years
Covered2Go Gold £75 70 81%
Blue Bear Travel Gold £76 70 79%
Holidaysafe Premier £81a 75 92%
Leisureguard Premier £87 74 81%
Letsgoinsure Travellers Choice £92a 69 87%
70 to 74 years
Holidaysafe Premier £81a 74 92%
Leisureguard Premier £87 74 81%
Insuredtotravel Platinum £93 75 83%
Letsgoinsure Travellers Choice £97a 75 87%
Covered2Go Gold £106 74 81%
75 to 79 years
Golfguard £152 79 67%
Covered2Go Gold £173 79 81%
Blue Bear Travel Gold £175 79 79%
Insureandgo Silver £207 79 74%
Boots Silver £264 79 73% >
80 + years
Insureandgo Silver £297 No limitb 74%
Staysure Comprehensive £456 85 89%
Circle Cover Silver £493a No limitc 75%
RAC Silver £655 85 65%
Saga Annual Multi-trip £730a No limitc 92%
Family
Topnotchcover Silver £59 54 65%
Insuredtotravel Platinum £60 65 74%
Letsgoinsure Travellers Choice £62 65 87%
OUL Direct Gold £64 49 65%
Annualtravelinsurance Super £70a 65 65%

Table Notes:
a. Online price. Phone price may be higher b. Premium for age 85. Premiums increase for 86 years plus c. Premium for age 84. Premiums increase for 85 years plus 

Premiums were gathered during September 2016. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in May 2017.