What does travel insurance with worldwide coverage include?

What are you covered for, and where?

The term “worldwide travel insurance” sounds self-explanatory. However, there are a few things you should keep in mind.

Destination

In principle, with global travel insurance, you are covered anywhere in the world. However, you are not covered if you travel to a country with a negative travel advisory. You can always check in advance whether the country you plan to visit has a negative travel advisory. Countries often issue negative travel advisories when natural disasters are imminent, there is a war, or political instability prevails.

If you decide to travel to a country with a negative travel advisory, you run the risk that your insurance won't pay out.

Purchase price or current market value?

It’s important to know whether you’ll be reimbursed for the purchase price or the current market value in the event of theft, damage, or loss of your belongings. The amount you receive can vary significantly. You can often choose a specific coverage option for this. However, coverage for the purchase price will result in a higher premium than coverage for the current market value alone.

Amount

You are likely insured up to a certain amount. You can usually choose the amount you want to be insured for. If the damage exceeds the insured amount, you will generally have to pay the remaining costs yourself.

When should you purchase travel insurance?

If you already have travel insurance for travel within Europe, are you planning to travel outside of Europe? If so, first check carefully which countries are considered part of “Europe.” Your destination may still be covered. In that case, you won’t need to purchase travel insurance with worldwide coverage.

Is your destination country not listed here? If so, it’s a good idea to purchase travel insurance with worldwide coverage. If you don’t, you’ll automatically be uninsured when traveling to a country outside of Europe. In that case, your insurance won’t cover anything if you file a claim.

Get your worldwide travel insurance from Alpina: simple and affordable

Are you considering purchasing a global travel insurance policy? Then take out a policy with Alpina today! Thanks to our various coverage options, you can always find the right policy for you. Do you still have any doubts or questions about our global travel insurance? Feel free to contact our customer service team. They’re here to answer all your questions.