Worldwide travel insurance

What is worldwide travel insurance?

Worldwide travel insurance covers you for issues you might face while away. Whether you’re taking a bucket-list trip to Australia, adventuring across the USA or travelling around the world. Travel knowing you're covered. It's that simple.

Get protection for emergency medical costs, travel delays and cancellation. As well as cover for stolen bags and personal liability. We can cover most global destinations. 

Do you need international travel insurance?

Wherever you’re going, international trip insurance is a holiday essential:

• The Department of Foreign Affairs advises all travellers from Ireland: “Get comprehensive travel insurance that covers all your planned activities”. You should look for worldwide travel insurance that covers emergency medical expenses, your belongings and cancellation. Some countries, such as Cuba, even make travel insurance a mandatory entry requirement.
• Emergency medical care in countries like America can be extremely expensive. The US government estimates: “The average cost of a 3-day hospital stay is around $30,000”. Without insurance, you would face paying this cost from your own pocket.
• It’s vital you buy worldwide travel insurance that covers your pre-existing medical conditions. Otherwise, you won’t be covered for costs linked to them while away. For instance, if you have a heart condition and have a heart attack on holiday. NOCA estimates 6,000 Irish people a year will be admitted to hospital with a heart attack. At JustCover, we cover more than 1,300 medical conditions. Including high blood pressure, cancer and diabetes. 

We help you take off, knowing you’ve made the smart choice. In fact, 98.8% of our customers would recommend JustCover to family and friends³. Call us for free or get a quote online. 

Read our Policy Wording for terms and conditions that apply to international travel health insurance.

Exclusions for worldwide travel insurance

There are certain situations that won’t be covered by worldwide travel insurance. These include:

• Travelling somewhere that the Department of Foreign Affairs and Trade advises against
• If you’re under the influence of alcohol or non-prescription drugs at the time you have an accident
• Making a claim that’s linked to illegal activity
• Travelling against the advice of a medical professional
• Travelling to get planned medical treatment
• Preventable illness, such as if you didn’t get a recommended vaccination
• Claims related to pre-existing medical conditions you didn’t declare
• Activities not covered as standard, such as extreme sports
• Natural disasters such as hurricanes and earthquakes 

It’s important that you read our Policy Wording to understand all exclusions. 

How much does worldwide trip insurance cost?

From the length of your trip to pre-existing medical conditions. The cost of international trip insurance depends on a variety of things. These include:

• Your age: Unfortunately, there is a higher risk of you needing to claim if you’re older. So your quote is likely to be higher.
• Pre-existing medical conditions: We’ll ask you questions about your health and tailor your quote to you. So if your condition is well-controlled, the price will be lower than someone who needs a lot of medical support.
• Where you’re going: Some countries, such as the USA, have expensive medical systems. So, policies covering these places will be higher.
• How long you’re going for: If you’re away for a whole year, you’re more likely to need to make a claim compared to a weekend trip.
• Who you want to insure: If you want to include friends or family on your policy, the cost will reflect that. 
• Any additional cover you require: Such as cover for activities not included in your policy as standard. Or if you want extra protection for cruises, golf trips, gadgets and more. Read our Policy Wording to understand what is and isn’t included.

How to lower the cost of your policy

If you’re looking for cheaper worldwide travel insurance, you can consider:

• Taking a shorter trip
• Visiting countries with lower-cost healthcare
• Only taking part in activities covered in your policy as standard
• Looking at an annual multi-trip policy if you’re going away more than once. It might work out as cheaper than multiple single policies

Our customer service team is always happy to talk you through your options. Call our team for free today.

Do you need worldwide travel insurance if you have an EHIC?

If you have a European Health Insurance Card (EHIC), it’ll provide you with some cover but not everything you need. The Department for Foreign Affairs says: “The EHIC is not a substitute for proper travel insurance provided by a reputable insurer.” 

An EHIC will only give you access to some state healthcare in certain countries. Most are in Europe. Care may not be free, just at the same price as it is for locals. Medical repatriation and other important costs aren’t covered by the EHIC either. 

It’s important to take both worldwide travel insurance and your EHIC.

Find the best international travel insurance 

Let’s help you find cover that suits your trip. We offer international travel health insurance both for single trips and annual cover. 

Annual multi-trip travel insurance

Covering all your trips for a whole year. Pick a policy that includes or excludes the USA, Canada, Mexico and the Caribbean.

Single trip travel insurance

Heading off once this year? Whether you’re visiting Asia, South Africa, Australia or elsewhere. Get the cover you need for your big trip.

Why choose JustCover for your worldwide holiday insurance? 

Wherever you’re going, we’ll help you go prepared. Get worldwide travel insurance from JustCover: 

• 98% of customers rate us as ‘Excellent’ or ‘Great’⁴
• Up to unlimited cover for emergency medical expenses and repatriation
• Up to €10,000 cancellation cover
• 24/7 emergency medical helpline⁵
• Cover for more than 1,300 medical conditions is available. Including those that are terminal⁶

When to buy worldwide travel insurance

Get worldwide travel insurance as soon as you book your trip. That way, you’ll be covered for cancellation. The rest of your benefits will apply once you head off on your holiday. You can buy a policy as far in advance as 12 months before the date of your trip.

Leaving it last minute? Don’t worry. You can book your international travel insurance as late as the day of your trip. As long as you haven’t yet passed through customs in Ireland. Read our Policy Wording for more information.

Specialist international travel insurance 

We know every traveller and trip is unique. That’s why we have a whole range of worldwide travel insurance. It’s easy to find the right one for you:

Seniors travel insurance: With no upper age limit, everyone can head off on holiday. Even if you have a pre-existing medical condition. 

Travel insurance with medical conditions: We cover more than 1,300 medical conditions, making it easier for you to get the cover you need before you travel.

Family travel insurance: Get everyone on the same policy, then get on with looking forward to your trip. Cover the whole family.

Cruise travel insurance: Protection for the unique issues you might face on a cruise. From cabin confinement to cancelled excursions.

Does worldwide travel insurance cover adventure, leisure and sports activities? 

A number of activities will be included as standard with our worldwide travel insurance. Read our Policy Wording to be sure of which ones are and any exclusions. If you need any extra cover, we have plenty available. Including winter sports, golf, cycling, hiking and motorcycle cover.

Our international trip insurance sits in two categories:

• Worldwide except the USA, Canada, Mexico and the Caribbean
• Worldwide including the USA, Canada, Mexico and the Caribbean

Countries in the second category tend to have more expensive medical care. This means policies that cover them are likely to be higher in price. 

We can cover most countries. However, we can’t provide cover if the Department of Foreign Affairs and Trade advises against travel. Always read our Policy Wording and your policy documents to make sure you have the right cover. 

Worldwide travel insurance tips and recommendations

Looking forward to your worldwide trip? There are lots of ways to prepare so that your trip goes smoothly:

• Check your passport: Most countries will want you to have at least 6 months left on your passport. So always check with plenty of time to renew it if needed.
• Visit the Department of Foreign Affairs website: Here you’ll find travel advice on safety, local laws and more. Remember, we can’t cover you if the department advises against travel.
• Get your visas: Check if you need a visa for your destination. As well as anywhere you may be stopping over in.
• Book your vaccinations: Follow HSE advice and contact your local GP or travel clinic. Some vaccinations need to be given in stages over a number of weeks or months. So, plan this in advance.
• Plan how to pay: Look into whether it’s best to pay with cash or card while away and how to get the best conversion rates. Take backup payment methods in case you need them.
• Learn about local laws and customs: From following local etiquette to not breaking the law, this is really important. The Department of Foreign Affairs also has useful information on this.
• Check your international holiday insurance covers everything you need: Always read your Policy Wording and documents thoroughly. Make sure all activities and destinations you’re planning are included.