Worldwide Insure Travel Insurance Review

Worldwide Insure Travel Insurance Review

Reviewed by:

With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

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

Who are Worldwide Insure Travel Insurance

Worldwide Travel Insurance Services Ltd are an independent, family-run travel insurance specialist set up in 1993, providing quality cover at competitive price. Worldwide Travel Insurance Services Ltd is authorised and regulated by the FCA.Travel Insurance is underwritten by Chaucer Syndicates Ltd.

How to Buy Travel Insurance from Worldwide Insure Travel Insurance

Click on the website link to go directly to the insurance providers website. Visit Worldwide Insure Travel Insurance's Website and Get a Quotation direct

How Worldwide Insure Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Worldwide Insure Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Worldwide Insure Travel Insurance. They are - Elite - Super - Standard. We have rated these as follows:-

Rating for Single Trip Elite:

Rating for Single Trip Super:

Rating for Single Trip Standard:

Worldwide Insure Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 3 Backpacker Policies from Worldwide Insure Travel Insurance. They are - Super - Economy - Budget. We have rated these as follows:-

Rating for Backpacker Super:

Rating for Backpacker Economy:

Rating for Backpacker Budget:

Worldwide Insure Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Worldwide Insure Travel Insurance. They are - Elite - Standard - Super. We have rated these as follows:-

Rating for Annual Elite:

Rating for Annual Standard:

Rating for Annual Super:

Worldwide Insure Annual Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 3 Longstay Policies from Worldwide Insure Travel Insurance. They are - Super - Economy - Budget. We have rated these as follows:-

Rating for Longstay Super:

Rating for Longstay Economy:

Rating for Longstay Budget:

Worldwide Insure Longstay 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

Key Points you need to know about Worldwide Insure Travel Insurance's policy wording

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

Your dependents who are under the age of 18 and in full time education

2. What are the policy age limits?

At time of purchase:-

Single Trip, aged 59 or under for their Standard Policy, 74 or under for their Elite and Super Policies (at the date of purchase of the insurance).

Annual Multi Trip, aged 59 or under for their Standard Policy, 74 or under for their Elite and Super Policies (at the date of purchase of the insurance).

Backpacker/Longstay, aged 49 or under for their Budget and Economy Policies, 69 for their Super Policies.

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration 94 days for their Standard Policy,  94 days (if under 69 years) 45 days (aged 70 - 74) Super Policy and 94 days (if under 69 years) 62 days (aged 70 - 74) Elite Policy.

Annual Multi Trip, Trip Duration 31 days (Standard Policy), 45 days (Super Policy) and 62 days (Elite Policy)

Backpacker/Longstay Trip Duration, 18 months on their Budget and Economy Policies.   18 months (if under 49 years) 12 months (aged 50 - 69 within areas 1 & 2) or if travelling within area 3 (aged 65 - 69) this is reduced to 6 months)

4. What are the options for Winter Sports cover?

Winter Sports can be added on Annual Policies for up to 10 days (Standard Policy), 21 days (Super Policy) and 31 days (Elite Policy). For Single Trip and Longstay this can be added up to the duration of your trip with the payment of the appropriate premium.

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

Group is up to 10 individuals.

Family means up to two adult partners and their dependent children under the age of 18 if still in full time education that are normally living together in one household. Cover for families shall apply where the appropriate premium has been paid. On annual multi-trip policies only the first named insured adult is insured to travel independently.

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

EHIC is strongly advised but not mandatory if travelling within the EU.  If You require medical treatment in Australia You must enrol with a local MEDICARE office. You do not need to enrol on arrival but You must do this after the first occasion You receive treatment.

7. What is covered under Sports and Activities on the policy?

There is a list of approx 40 included activities, with additional activities available Rated 1 and 2, which are available with the payment of an additional premium.  Rated 1 carry a 50% increase in premium, and Rated 2 carry a 100% increase.

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 “Any form of alcohol abuse including alcohol withdrawal or You drinking too much alcohol where it is reasonably foreseeable that such consumption could result in a serious impairment of Your faculties and/or judgment resulting in a claim.  We do not expect You to avoid alcohol on Your Trip but We will not cover any claim arising because You have drunk so much alcohol that Your judgment is seriously affected and You need to make a claim as a result. “

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered under this Policy.

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

Pre-existing medical conditions are excluded under this policy.  However, you can call the Insurance Provider for consideration of pre-existing conditions via an over the phone medical screening.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

11. What are the policy rules on travelling when pregnant?

You are not covered for normal pregnancy, without any accompanying bodily injury, illness or complication. This section is designed to provide cover for unforeseen events, Accidents and illnesses and normal childbirth would not constitute an unforeseen event.

You are still covered for any unforseen events under emergency medical, cancellation or curtailment.

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

Manual Work is excluded, however there is a section on the policy alongside the Activities section, that allows non Manual work -e.g. Bar Work, Fruit Picking, Restaurant, managerial, administrative.

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. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

In the event of a claim, you must provide receipts or other documentation to prove ownership and value, especially in respect of Valuables, and retain any damaged items for Our inspection.

We strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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 arising out of; loss or damage directly or indirectly occasioned by, happening through or in consequence of war, terrorism, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation, or requisition or destruction of or damage to property by or under the order of any government or public or local authority. However cover is provided in respect of claims under section 2 - Emergency medical expenses, section 3 - Hospital stay benefit or section 4 - Personal accident of the policy arising through terrorism other than losses arising from nuclear, chemical and biological exposures

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Not Covered under Standard, Covered under Super and Elite.

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

You must be resident in the United Kingdom or Isle of Man and registered with a Medical practitioner in Your Home country.

Worldwide Insure Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on worldwide-insure-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Worldwide Insure compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Worldwide Insure Policies

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

  • Annual Elite policy covers wintersports up to 31 days
  • No cover for scheduled airline failure
  • Pre existing medical conditions cannot be underwritten online

What Cover do Worldwide Insure policies offer.

We've listed below cover levels for policies offered by offered by 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

    Standard

    Annual

    Super

    Annual

    Elite

    Annual

    Elite

    Single Trip

    Super

    Single Trip

    Standard

    Single Trip

    Super

    Backpacker

    Economy

    Backpacker

    Budget

    Backpacker

    Super

    Longstay

    Economy

    Longstay

    Budget

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

    75

    75

    75

    75

    75

    75

    75

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,500,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    2,500,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    2,500

    5,000

    5,000

    2,500

    1,500

    3,000

    1,500

    0

    3,000

    1,500

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    100,000

    100,000

    25,000

    10,000

    10,000

    5,000

    0

    10,000

    5,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,500

    3,000

    3,000

    1,500

    1,000

    2,000

    1,000

    0

    2,000

    1,000

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    350

    350

    300

    200

    200

    100

    0

    200

    100

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    400

    450

    450

    400

    200

    400

    200

    0

    400

    200

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    1,000

    1,000

    500

    500

    400

    200

    0

    400

    200

    0

  • 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

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    1,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    25,000

    50,000

    50,000

    25,000

    10,000

    10,000

    10,000

    0

    10,000

    10,000

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    100,000

    100,000

    25,000

    10,000

    10,000

    5,000

    0

    10,000

    5,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    1,000

    1,000

    500

    500

    400

    200

    0

    400

    200

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    300

    500

    1,000

    1,000

    500

    300

    400

    200

    0

    400

    200

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

    350

    350

    350

    350

    350

    350

  • 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

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    150

    300

    300

    150

    100

    150

    75

    0

    150

    75

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    125

    250

    250

    125

    100

    0

    0

    0

    0

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

    2,000

    2,000

    1,000

    1,000

    1,000

    500

    0

    1,000

    500

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    2,000

    0

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    1,500

    1,500

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    500

    5,000

    5,000

    500

    0

    500

    0

    0

    500

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    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

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    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

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    Y

    N

    N

    Y

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    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

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    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

    N

    N

    N

Worldwide Insure Travel Insurance

Sample Quotes from Worldwide Insure Travel Insurance.

Listed below are some Sample Quotes offered by Worldwide Insure Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 18 - 29

Trip Days: 7

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Super

75

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 125

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Individual

Age: 18 - 29

Trip Days: 21

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Super

75

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 125

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 18 - 29

Trip Days: 365

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Elite

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 2,000

Delayed Departure 250

Baggage 3,000

Personal Accident 100,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 365

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Elite

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 2,000

Delayed Departure 250

Baggage 3,000

Personal Accident 100,000

Personal Liability 2,000,000

Legal Expenses 50,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 180

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Super

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,000

Delayed Departure 0

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 270

Worldwide Insure  Travel Insurance Review
Product Rating

Experience Rating

Super

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,000

Delayed Departure 0

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Worldwide Insure Travel Insurance