World First Travel Insurance Review

World First  Travel Insurance Review

World First Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of World First Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are World First and who underwrites their policies?

World First is part of Rothwell & Towler, an insurance group that was set up to provide specialist holiday and worldwide travel insurance cover in 1973. World First's travel policies are all underwritten by Travel Insurance Facilities, Insured by Union Reiseversicherung AG, UK.

World First were voted best travel insurance provider in 2016 and provide simple low cost travel insurance for a wide range of customers. All policies include cover for over 150 sporting and leisure activities as standard, ensuring that even if your vacation is an energetic one, World First are more than likely to have you covered.

World First Travel Insurance Policies are Underwritten By URV

How World First Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by World First Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from World First Travel Insurance, they are Premier, Standard, Classic, we have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Classic:

Single Trip Travel Insurance Guide here
World First Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 4 Backpacker Policies from World First Travel Insurance, they are Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Rating for Backpacker Bronze:

Rating for Backpacker Silver:

Rating for Backpacker Gold:

Rating for Backpacker Platinum:

Backpacker Travel Insurance Guide here
World First Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from World First Travel Insurance, they are Premier, Standard, Classic, we have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Standard:

Rating for Annual Classic:

Annual Travel Insurance Guide here
World First Travel Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 4 Longstay Policies from World First Travel Insurance, they are Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Rating for Longstay Bronze:

Rating for Longstay Silver:

Rating for Longstay Gold:

Rating for Longstay Platinum:

World First Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about World First Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are classed as dependents who are under the age of 18 years of age and are in full time education or living at home.

2

What are the policy age limits?

At the start of the policy:-

Single Trip  up to 100 years of age (at the start of the policy)

Annual Trip up to age 79 (at the start of the policy)

Backpacker up to age 65 (at the start of the policy)

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 186 days for persons aged up to and including 65 years. For persons aged 66 and over, this reduces to 60 days.

Annual Multi Trip, Trip Duration is up to 31 days per trip.

Backpacker, Trip Duration is up to 365 days. Up to 2 visits home for a maximum of 21 days each time are included. Cover is suspended while on home visits.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to the policy for 31 days duration on your Single Trip, or 24 days duration in one policy year on your Annual Multi Trip.

The winter sports section includes cover for 25 different activities as standard, including off piste skiing or snowboarding, with a guide. You can also cover over 20 more extreme winter pursuits, such as Ice diving and Ski Racing (subject to inclusion of the relevant activity pack and payment of the additional premium.

5

What is classed as a family and how many people can be quoted for?

A policy can be for between one and ten individuals, couples or familieis.

Family Two adults and their dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC advised but not Mandatory if travelling within the EU.  If you are travelling to Australia you must register with Medicare on arrival. There is a Medicare office in all major towns and cities in Australia.

7

What is covered under Sports and Activities on the policy?

The world first policies cover over 150 sports and activities as standard including scuba diving, surfing and even climbing Sydney Harbour Bridge. Their policies will even cover you if you find work in restaurants, teaching, doing voluntary work or being employed as a chalet maid.

Activities that are not automatically covered in activity pack 1, may be included, provided it is listed in the packs 2 to 8 and the appropriate premium paid.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states you are not covered for “You, your travelling companion, close relative or business associate being under the influence of:- drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); - alcohol (a blood alcohol level that exceeds 0.19% approximately four pints or four 175ml glasses of wine); - solvents, or; - anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Covered for End Supplier Failure under the Standard and Premier Policies.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Some Pre-Existing Conditions may be considered, provided you or anyone travelling on the policy. You need to complete the online screening questionnaire in order to obtain a quote.  All pre-existing conditions must be declared.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11

What are the policy rules on travelling when pregnant?

Policy States “Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.”

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Listed under activities - Manual Labour is excluded except for those listed in Activity Pack 1 ? e.g Bar Work, Animal Sanctuary (non big game). If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy. If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Proof of value and ownership of property and money is required for any item with a value exceeding £50. This should be in the form of an original receipt. Lack of this may mean you are still eligible to claim but will be subject to a maximum of £50 and will be considered part of “unreceipted items” in respect of the claim and included in the maximum offered by that policy.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

You are not covered for claims relating to “War Risk Terrorism, war, invasion, acts of foreign enemy, hostilities whether war is declared or not, civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority.”

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Cover against Natural Disasters under the Standard and Premier Policies.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to You if You are permanently resident in the United Kingdom.

World First 's 'User Friendly' Rating

That's Insurance have reviewed World First 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where World First rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for World First Travel Policies

We've highlighted Pro's anc Cons for World First , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by World First Travel Insurance.

  • No age limit on single trip policies
  • 25 different winter sport pursuits covered as standard with the option to include more extreme sports
  • Premier policy includes cover for scheduled airline failure
  • Online screening of medical conditions available at the point of sale

No Con's

What Cover do World First policies offer.

We've listed below cover levels for policies offered by offered by World First Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier

    Single Trip

    Standard

    Single Trip

    Classic

    Single Trip

    Premier

    Annual

    Standard

    Annual

    Classic

    Annual

    Bronze

    Backpacker

    Silver

    Backpacker

    Gold

    Backpacker

    Platinum

    Backpacker

    Bronze

    Longstay

    Silver

    Longstay

    Gold

    Longstay

    Platinum

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    3,000

    2,000

    5,000

    3,000

    2,000

    750

    2,000

    4,000

    7,000

    750

    2,000

    4,000

    7,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    20,000

    10,000

    20,000

    20,000

    10,000

    10,000

    10,000

    10,000

    15,000

    10,000

    10,000

    10,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    2,000

    1,500

    1,000

    500

    1,000

    2,000

    4,000

    500

    1,000

    2,000

    4,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    200

    100

    200

    200

    100

    100

    100

    150

    250

    100

    100

    150

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    250

    500

    300

    250

    100

    100

    150

    500

    100

    100

    150

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    250

    400

    400

    250

    200

    300

    400

    500

    200

    300

    400

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

    50,000

    50,000

    50,000

    50,000

    10,000

    10,000

    10,000

    25,000

    10,000

    10,000

    10,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    0

    1,500

    1,500

    0

    0

    0

    750

    1,000

    0

    0

    750

    1,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    500

    1,000

    1,000

    500

    150

    200

    250

    350

    150

    200

    250

    350

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    250

    100

    400

    250

    100

    100

    100

    150

    200

    100

    100

    150

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    100

    100

    150

    100

    100

    100

    100

    100

    150

    100

    100

    100

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    350

    200

    150

    350

    200

    150

    100

    100

    150

    300

    100

    100

    150

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    500

    300

    750

    500

    300

    500

    500

    500

    750

    500

    500

    500

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    500

    0

    0

    0

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    750

    750

    0

    750

    750

    0

    0

    0

    0

    500

    0

    0

    0

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    500

    0

    0

    0

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    N

    N

    N

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    N

    N

    Y

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    Y

    Y

    N

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    N

    Y

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    N

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    N

    N

    N

    Y

Sample Quotes from World First Travel Insurance.

Listed below are some Sample Quotes offered by World First Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 14

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Classic

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 300

Delayed Departure 150

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 7

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 350

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Couple

Age: 50 - 59

Trip Days: 14

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 350

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 18 - 29

Trip Days: 365

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 750

Delayed Departure 350

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Individual

Age: 65 - 70

Trip Days: 365

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Classic

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 300

Delayed Departure 150

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Individual

Age: 71 - 75

Trip Days: 365

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Classic

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 300

Delayed Departure 150

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

Backpacker

Worldwide

Individual

Age: 26 - 29

Trip Days: 90

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 180

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,000

Missed Departure 750

Delayed Departure 300

Baggage 4,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 40 - 45

Trip Days: 270

World First  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,000

Missed Departure 750

Delayed Departure 300

Baggage 4,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from World First Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for World First - No Current Discount Codes

Visit World First Travel Insurance's Website and Get a Quotation direct

Customer Reviews of World First Travel Insurance

No Customer Reviews Found

We hope that you have found this World First Travel Insurance Review helpful. If you have experience of World First Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

Our Top Ten Tips for Travelling with Medical Conditions

Our Top Ten Tips for Travelling with Medical Conditions

Travelling with medical conditions can be daunting. Not only should you plan ahead for any drugs ...

Primera Air Collapses Passengers left stranded and out of pocket

Primera Air Collapses Passengers left stranded and out of pocket

Primera Air a short haul budget airline which had started to provide cheap long haul flights to ...

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA have issued a warning to holidaymakers, not to travel abroad without travel insurance. Their ...

Taking medication abroad in 2018

Taking medication abroad in 2018

If you are planning a foreign holiday this year and suffer from an illness or  medical condition, ...



Download the App

Download Thats Insurance App on Itunes Download Thats Insurance App on Google Play

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.