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  1. Health Insurance
  2. Cover Options
  3. Travel

Health insurance cover option

Worldwide travel insurance

Protect yourself abroad with worldwide travel insurance

Counting down until your next trip? Whether it’s sunbathing in Spain, or hiking the Himalayas, you may need to cover some unexpected travel costs.
To help you pay for these, you can include multi-trip Worldwide Travel Cover in your Vitality health insurance plan. Claim back for:

✓ Emergency medical treatment abroad
✓ Travel vaccinations and medication
✓ Unplanned travel expenses like lost luggage
✓ Winter sports cover.

Emergency medical treatment abroad

For trips up to 120 days, we’ll pay up to £10million for:

✓ Emergency medical treatment1 – This is anything that a doctor thinks needs to be treated before you return home
✓ Accommodation and travel costs for a support person – So someone can stay with you or join you while you recover
✓ Repatriation expenses1 – If you need to be flown by air-ambulance back to the UK.

1£50 excess. The most you’ll pay each claim is £50.

Travel vaccinations and medication

Claim back up to £100 in total each plan year for:

✓ Anti-malarial medication
✓ Cholera vaccinations
✓ Hepatitis A vaccinations
✓ Hepatitis B vaccinations
✓ Rabies vaccinations
✓ Typhoid vaccinations
✓ Tetanus vaccinations
✓ Yellow fever vaccinations
✓ Japanese encephalitis vaccinations
✓ Tuberculosis vaccinations
✓ Tick-borne encephalitis vaccination
✓ Meningitis vaccinations.

Unplanned travel expenses

For trips of up to 120 days each plan year, claim back up to:

✓ £3,000 for loss of or damage to your belongings1
✓ £1,000 for loss of money1
✓ £250 for delayed flights
✓ £1,000 for missed flights1
✓ £10,000 for cancelling a trip or cutting it short1
✓ £50,000 if you have an accident (for example, lose a limb)
✓ £2 million if you’re responsible for accidentally damaging someone’s property or hurting someone (personal liability)
✓ £250 for loss of passport1
✓ £600 for delayed baggage1
✓ £25,000 for legal expenses. 

1£50 excess. The most you’ll pay each claim is £50.
 

Winter sports cover

Love a trip to the snow? For up to a total of 21 days each plan year, claim back:

✓ Up to £500 for loss or damage to your own ski or snowboarding equipment1
✓ Up to £500 for losing your ski pass1
✓ Up to £500 if the ski resort closes (you can claim back up to £30 a day for your ski pass)1
✓ Up to £500 if you can’t use your hired skis and or ski pass due to sickness or injury1.

1£50 excess. The most you’ll pay each claim is £50.

Why choose Vitality worldwide travel insurance?

  • Best cancellation cover

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    If you need to cancel your trip, we’ll cover up to £10,000. This is the highest cancellation cover in the health insurance market. (Vitality internal research, 2021)

  • Multi-trip cover

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    There’s no limit to how many trips you’re covered for.

  • Market leading cover

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    We’re the first health insurer to cover anti-malarial medication and travel vaccinations. (Vitality internal research, 2021)

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Need advice?

Call us on 0808 274 1902. Our team are on hand to answer your queries. See opening hours.

Worldwide travel insurance FAQs

What countries does worldwide travel insurance cover?

Our Worldwide Travel Cover covers every country outside of the UK, the Channel Islands and Isle of Man. But, if the Foreign, Commonwealth and Development Office (FCDO) is advising against all travel, or all but essential travel to your destination, you won’t be covered.

See the UK Government’s foreign travel advice

What is not covered by worldwide travel insurance?

Our Worldwide Travel Cover doesn’t cover:
  • Trips over 120 days
  • Tropical disease if you haven't had the NHS recommended vaccinations or medication
  • Medical treatment if it can wait until you return to the UK.
See all exclusions

Will I be covered if I need to cancel my trip due to COVID-19?

If you have to cancel a trip or cut it short due to COVID-19, you won't be covered. This is because your travel is quite likely to be disrupted and travel insurance is there to cover unexpected events.

Do I need worldwide travel insurance?

Whether you travel often, or once a year, it’s worth considering worldwide travel insurance. It gives you peace of mind knowing you’ll be covered if:
  • You have an accident and need medical treatment
  • You lose your passport
  • You need travel vaccinations and medication
  • Your baggage gets lost or is stolen
  • Your flights are delayed or cancelled
  • You need to cancel your trip at the last minute.

Is health insurance covered in travel insurance?

Most travel insurance policies include some sort of health insurance cover while you’re abroad.

You can include Worldwide Travel Cover in your Vitality health insurance plan. This will cover you for emergency medical expenses while you’re abroad.

How much is travel insurance with health insurance?

The cost of travel insurance with health insurance depends on the provider.

Our health insurance starts from £1.25 a day. You can then include Worldwide Travel Cover in your plan. How much extra this costs depends on your age.

Do I need travel insurance if I have private health insurance?

They’re different types of cover. Your health insurance only covers treatment you have in the UK. Travel insurance covers you for emergency treatment while you are travelling overseas.

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