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Worldwide travel insurance reviews

By Jo Langenhan

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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
Blue Bear Travel Gold £40 60 83%
Covered2Go Gold £41 60 85%
Your Travel Cover Gold £42 54 66%
Insuredtotravel Silver £42 65 84%
Holidaysafe Premier £44 55 92%
Online price. Phone price may be higher. Premium increases slightly from age 56 to 65.
65 to 69 years
Multitrip Premier £39 67 65%
Online price. Phone price may be higher.
AnnualTravelInsurance Super £42 67 65%
Online price. Phone price may be higher.
Greatcover Super £43 67 65%
Online price. Phone price may be higher.
Covered2Go Gold £52 70 85%
Blue Bear Travel Gold £58 70 83%
70 to 74 years
Insuredtotravel Silver £78 74 84%
Holidaysafe Premier £80 74 92%
Online price. Phone price may be higher.
Covered2Go Gold £84 80 85%
Blue Bear Travel Gold £85 80 83%
Golfguard Single Trip £118 79 67%
75 to 79 years
Covered2Go Gold £84 80 85%
Blue Bear Travel Gold £85 80 83%
Holidaysafe Premier £97 79 92%
Golfguard Single Trip £118 79 67%
Insuredtotravel Silver £118 79 84%
80 + years
Covered2Go Gold £131 No limit 85%
Price for age 90. Premium increases for 91 years plus.
Blue Bear Travel Gold £132 No limit 83%
Price for age 90. Premium increases for 91 years plus.
Holidaysafe Premier £142 84 92%
Online price. Phone price may be higher.
Golfguard Single Trip £221 84 67%
Nowicanravel Premier £222 84 65%
Family
Covered2Go Gold £74 49 85%
Blue Bear Travel Gold £75 49 83%
Multitrip Premier £75 67 65%
Online price. Phone price may be higher.
Holidaysafe Premier £79 35 92%
Online price. Phone price may be higher.
AnnualTravelInsurance Super £79 67 65%
Online price. Phone price may be higher.
Premiums were gathered during September 2017. 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 2018.
Worldwide Best Rate annual trip policies (including USA)
  Premium Maximum age premium applies (year) Policy score
Adult
Leisurecare Multi Traveller £33 54 80%
OUL Direct Gold £34 49 65%
Blue Bear Travel Gold £39 49 83%
Covered2Go Gold £39 49 85%
Letsgoinsure Travellers Choice £44 65 87%
Online price. Phone price may be higher.
65 to 69 years
Covered2Go Gold £75 70 85%
Blue Bear Travel Gold £76 70 83%
Holidaysafe Premier £86 74 92%
Online price. Phone price may be higher.
Insuredtotravel Silver £93 70 84%
LeisureGuard Premier £87 74 81%
70 to 74 years
Holidaysafe Premier £86 74 92%
Online price. Phone price may be higher.
Insuredtotravel Silver £93 74 84%
LeisureGuard Premier £96 74 81%
Covered2Go Gold £108 74 85%
Blue Bear Travel Gold £109 74 83%
75 to 79 years
Covered2Go Gold £173 79 85%
Blue Bear Travel Gold £175 79 81%
Golfguard £186 79 67%
Insureandgo Silver £253 79 74%
Boots Silver £264 79 73%
80 + years
Insureandgo Silver £377 No limit 74%
Premium for age 85. Premiums increase for 86 years plus.
Cover Cloud Gold £422 85 69%
Staysure Comprehensive £449 84 89%
Circle Cover Silver £475 No limit 75%
Premium for age 84. Premiums increase for 85 years plus.
Saga Annual Multi-trip £809 No limit 95%
Premium for age 84. Premiums increase for 85 years plus.
Family
Top Notch Cover Silver £59 54 65%
Letsgoinsure Travellers Choice £62 65 87%
OUL Direct Gold £64 49 65%
Annualtravelinsurance Super £70 65 65%
Online price. Phone price may be higher.
Multitrip Premier £75 65 65%
Online price. Phone price may be higher.
Premiums were gathered during September 2017. 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 2018.
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