Best worldwide travel insurance -5 to 15% Discount in 2023

Heading off on a round-the-world adventure? This is a complete guide on how worldwide travel insurance works, so you can fully prepare yourself for your trip.

To save you time, here are the best insurances for your trip:

Stay from 1 to 90 days
“Heymondo Premium”
4,8 ⭐️⭐️⭐️⭐️⭐️

– 5% off
ACTIVATE DISCOUNT
Valid until 30/09/2023

Working abroad
“Chapka Working Holiday”
4,8 ⭐️⭐️⭐️⭐️⭐️

– 5% off
ACTIVATE DISCOUNT
Valid until 30/09/2023

Studies abroad
“Cap Student”
4,8 ⭐️⭐️⭐️⭐️⭐️

– 5% off
ACTIVATE DISCOUNT
Valid until 30/09/2023

Stay more than 90 days
“Heymondo Long Stay”
4,5 ⭐️⭐️⭐️⭐️⭐️

– 5% off
ACTIVATE DISCOUNT
Valid until 30/09/2023

Multitrip 1 year
“Chapka Multitrip”
4,5 ⭐️⭐️⭐️⭐️⭐️


GET A FREE QUOTE
No offer available in September 2023

Promo code applies an automatic and immediate discount.

  1. After clicking on the offer, you will be redirected to the insurer website
  2. Fill in the details of your next trip
  3. Then click on “Get a quote”.
  4. The promo code will be applied automatically.

A round-the-world trip is one of the most transformative and enriching things one can do in life. Whether you’re getting lost in translation, or literally getting lost, you’ll be building memories for a lifetime.

Travelling the world and embracing cultures also gifts you with a fresh perspective on life when you return home, making it an invaluable experience. 

Round-the-world trips bring with them a certain level of risk, which is why it’s vital to take out insurance. Today, I’ll be sharing everything you need to know to get the right worldwide travel insurance for your trip, and at the best price!

Round-the-world travel insurance comparison in September 2023

The policies I will mention have been chosen based on their level of coverage, bringing together all the features that a worldwide travel insurance policy should have. 

To ensure that you get the most appropriate worldwide travel insurance for your trip, make sure you compare benefits and coverage from different insurance providers. To make this easier, I’ve created a comparative table. 

But before you do that, take a look at this promotional offer, it’s available now for a limited time only!

heymondo logo

You have until the 31st of September 2023 to get a 5% discount on Heymondo Insurance:

  1. Click here : Activate Discount
  2. Fill in your info (country, coverage regions, dates, and number of travellers)
  3. Click on “Calculate Price”
  4. You’re ready to go! Your discount will be applied automatically.

Remember, the longer the trip, the higher the chance that something will go wrong at some point.

Here’s a comparative table of the best worldwide travel insurance providers. Carefully consider the potential risks that may arise during your trip, so you don’t get caught out with insufficient coverage!

heymondo logo
chapka assurance
iati seguros logo
logo safetywing
acs assurance voyage
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
Long Stay Premium
Cap Adventure
IATI Insurance
Nomad
Traveller
Price for 3 months
210€
174€
338€
126€
300€
Discount in September 2023
– 5%
– 15% for families
– 5%
– 10% for families
Activate Discount
Activate Discount
Activate Discount
Get a Free Quote
Activate Discount
Legal assistance
12.000€
13.000€
3.000€
3.000€
Medical expenses
1.000.000€
500.000 €
200.000€
222.600€
150.000€
Hospitalization
500.000€
200.000€
Actual costs
250.000€
Actual costs
Theft or loss of luggage
Optional
2.000€
2.500€
2.670€
2.000€
Repatriation
Actual costs
Actual costs
Actual costs
17.800€
Actual costs
Sports activities
Optional
Phone theft
Camera or drone theft
Recommended
All types of stays
All types of stays
All types of stays
Digital nomad
All types of stays
Review
Heymondo insurance
Chapka insurance
IATI travel insurance
SafetyWing insurance
ACS insurance
Discount
Promo Code Heymondo
Promo Code Chapka
Promo Code IATI

I’ve comprised a list of the best worldwide travel insurance options for each traveller profile to help you find the right policy for your trip.

This is significant as the price, and amount of coverage will vary depending on whether you’re travelling solo, with a partner, as a family, or as a backpacker.

Worldwide travel insurance for travelling families

A round-the-world family trip is no easy task, that’s why it’s important to have coverage related to children, for example. An added bonus is that many travel insurance providers offer discounts when you contract insurance for more than 3 people. 

Get a 15% Discount on Chapka Adventure for a family of 3 persons or more. Valid until 31 September 2023.

This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones. 

Worldwide travel insurance for solo-travellers and couples

When travelling solo or as a couple, there are different risks associated than with family travel, for example. That’s why these types of policies are specifically suited to the lone wolves!

Are you planning a round-the-world trip? Check out this promotional offer: 

Activate 5% Discount at Heymondo Insurance in September 2023.

If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind. This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a level of medical costs, repatriation, and it allows for renewal whilst on the road.

Worldwide travel insurance for backpackers and adventurers

Consider yourself the adventurous type? If so, it’s critical that you opt for a worldwide travel insurance policy that covers you throughout your journey. 

If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.

Until the end of September 2023, get a 5% discount on Heymondo Travel Insurance. 

Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!

seguro para vuelta al mundo

The best worldwide travel insurance for digital nomads and businesses

If you’re a digital nomad heading off on a round-the-world trip, there are currently numerous companies offering great deals on worldwide travel insurance, specifically tailored to the digital nomad lifestyle.

Coverage for electronic equipment is perhaps the most important benefit for us digital nomads, as our livelihoods depend on it, so don’t risk it! Here’s a great offer available now:

Get a 5% discount on Heymondo until the end of September 2023!

  1. Activate Discount Here 
  2. Fill in your trip info
    (Country of residence, regions covered, dates, and number of travellers).
  3. Click on “Calculate Price”. 
  4. All done! The discount will be applied automatically. 

Some of the most useful benefits of Heymondo travel insurance for digital nomads include:

  • 24/7 assistance platform.
  • Repatriation and early return. 
  • Travel expenses for a family member if you are hospitalised for over a week.

The table below shows the best options for digital nomads and businesses seeking worldwide travel insurance:

heymondo logo
chapka assurance
iati seguros logo
logo safetywing
world nomads logo
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️
Long Stay Premium
Cap Adventure
IATI Insurance
Nomad
Explorer
Price for 3 months
210€
174€
338€
126€
195€
Discount in September 2023
– 5%
– 15% for families
– 5%
Activate Discount
Activate Discount
Activate Discount
Get a Free Quote
Get a Free Quote
Legal assistance
12.000€
13.000€
3.000€
Medical expenses
500.000 €
1.000.000€
200.000€
222.600€
£10,000,000
Hospitalization
200.000€
Actual costs
500.000€
250.000€
£10,000,000
Theft or loss of luggage
Optional
2.500€
2.000€
2.670€
£2000
Repatriation
Actual costs
Actual costs
Actual costs
17.800€
Actual costs
Sports activities
Optional
Phone theft
Camera or drone theft
Recommended
All types of stays
All types of stays
All types of stays
Digital nomad
All types of stays
Review
HeyMondo insurance
Chapka insurance
IATI travel insurance
SafetyWing insurance
Word Nomads Insurance
Discounts
Promo Code HeyMondo
Promo Code Chapka
Promo Code IATI

The best worldwide travel insurance for working holidays

If you intend to work abroad for a period of more than 3 months, you want working holiday insurance. Here’s a great deal that insures you during all your short-term trips of less than 90 days while you’re away. 

Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 31 September 2023)

  1. Click Here: Activate Discount
  2. Fill in your trip info
    (Travel dates, country of residence, destination).
  3. Click on “Calculate Price”.
  4. Done! The discount will be applied automatically. 
  5. Fill in the policyholder’s details to contract the insurance. 

The most useful benefits that Cap Working Holiday gives those working abroad include:

  • Coverage during short trips to your home country.
  • Repatriation and early return. 
  • Medical expenses and hospitalisation abroad covered at 100%. 
  • This policy is renewable abroad, in case you decide to extend your stay.

Here’s a table for those seeking travel insurance for their working holiday:

chapka assurance
heymondo logo
iati seguros logo
logo safetywing
world nomads logo
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️
Working Holiday
Long Stay
IATI Star
Nomad
Explorer
Price for 1 month
35€
80€
51€
42€
65€
Discount in September 2023
– 5%
– 5%
– 5%
Activate Discount
Activate Discount
Activate Discount
Get a Free Quote
Get a Free Quote
Legal assistance
13.000€
12.000€
3.000€
Medical expenses
500.000 €
200.000€
1.000.000€
222.600€
£10,000,000
Hospitalization
200.000€
500.000€
Actual costs
250.000€
£10,000,000
Theft or loss of luggage
2.000€
Optional
2.500€
2.670€
£2000
Repatriation
Actual costs
Actual costs
Actual costs
17.800€
Actual costs
Sports activities
Optional
Phone theft
Camera or drone theft
Recommended
All types of stays
All types of stays
All types of stays
Digital nomad
All types of stays
Review
Chapka insurance
Heymondo insurance
IATI travel insurance
SafetyWing insurance
Word Nomads Insurance
Discounts
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

Best annual travel insurance in 2023

If you take out an annual insurance plan, you’ll have travel insurance for all your short-term trips for an entire year. If you’re going to be travelling around the world this year, we have the ideal option for you:  

Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform. 

Activate a 5% Discount on Heymondo Annual Multi-trip, only in September 2023. 

In my experience, the following benefits are crucial for any annual travel insurance policy:

  • Strong coverage of medical expenses
  • Repatriation and early return 
  • Covid-19 cover
  • Luggage theft or damage
  • Trip cancellation cover
If you’re looking for annual travel insurance, have a look at this table:
heymondo logo
chapka assurance
logo safetywing
acs assurance voyage
iati seguros logo
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
Long Stay
MultiTravel
Nomad
Traveller
Star
Price for 1 year
169€
198€
504€
600€
751€
Discount in September 2023
– 5% for all
– 10% for families
– 5% for all
Activate Discount
Get a Free Quote
Get a Free Quote
Activate Discount
Activate Discount
Covid-19
Medical expenses
3.500.000 €
300.000€
222.600€
150.000€
500.000€
Hospitalization
Actual costs
300.000€
300.000€
Actual costs
Actual costs
Theft or loss of luggage
1.700€
2.000€
2.670€
1.150€
1.500€
Repatriation
Actual costs
Actual costs
17.800€
Actual costs
Actual costs
Sports activities
Optional
Covered
Covered
Covered
Covered
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
Digital nomad
All types of stays
All types of stays
Review
HeyMondo insurance
Chapka insurance
SafetyWing insurance
ACS insurance
IATI travel insurance
Discount >
Promo Code HeyMondo
Promo Code Chapka
Promo Code IATI

Best worldwide travel insurance for overseas students

If you’re planning a semester abroad, I recommend a student travel insurance plan, as they are tailored to students’ needs. Here’s a great promotional offer available for those who want to travel a lot while on their exchange. 

Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, and Japan.

Get a 5% discount on Cap Student in September 2023:

  1. Click here : Activate Discount
  2. Fill in your trip info (country of residence, travel dates, type of insurance).
  3. Click on “Calculate your Insurance”.
  4. All done! The discount will be applied automatically. 

Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:

  • Repatriation and early return.
  • Chronic, pre-existing or congenital conditions. 
  • Dental expenses. 
  • Personal injury from motor vehicle accidents.

How to save money on your round-the-world trip

Any round-the-world trip is going to be an expensive endeavour. However, there are some useful tips and tricks that you can use to reduce the cost of your trip. 

During my travels, I’ve compiled the following travel-hacks that I’d like to share with you. They take a little effort, but trust me, they go a long way!

Choosing insurance that is tailored to your needs is vital, but remember that flights, accommodation, the card you use, and how you book your activities are crucial factors in saving money as well. 

If you follow these tips, you might just find that by the end of your trip, you have enough money left over to explore an extra destination on your route home. Imagine that!

Fly at reduced prices!

You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN. 

Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:

In September 2023, enjoy a 59% discount on NordVPN.
Click here to activate your discount

Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries. 

The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!

Stay at a discount all year round

Access Booking.com now and get discounts of up to 15% in September 2023 by becoming a Genius user.

There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).

As a Genius user in Booking.com, you can enjoy:

  • Discounts on room rates. 
  • Free breakfast. 
  • Upgrades to superior room categories. 
  • Free parking. 
  • Late check-out. 
  • Welcome gifts.

In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.

Access to get discounts of up to 15% by becoming a Genius user.

Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!

Get the best travel card

If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees! 

The Revolut Metal Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs. 

If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees. 

With the Revolut Metal card, you would have paid £0 in fees.

Reserve your entertainment and sightseeing in advance

GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip. 

With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!

How does worldwide travel insurance work?

Although the idea of a worldwide travel insurance policy may seem daunting and complex, this is not the case at all! In fact, the way this type of travel insurance policy works is very similar to any other type of insurance.

Worldwide travel insurance policies typically cover you from 3 months to a year, with the opportunity to renew your policy on the road. This is perfect for the adventurous travellers who prefer to let the thrill of the adventure guide them.

Travelling without an exact itinerary can be truly exhilarating, but remember that travel insurance is the safety net that allows you to live your adventure to the fullest! 

In this section, I will explain how it all works. I’ll take you through the most important elements, from purchasing the insurance, to the coverage itself. Take note!

When to buy worldwide travel insurance?

Insurance companies typically focus on flexibility when it comes to worldwide travel insurance, as these trips are generally more unpredictable. This means that it’s less significant when you buy your worldwide travel insurance. 

Flexibility is important because you might just decide to extend your trip and continue your adventure! Haven’t we all been on a trip and not wanted it to end? 

With this in mind, insurance companies allow you to buy or renew your overseas insurance for as long as you like, before your cover runs out. Beware that once you’ve renewed your policy, there will typically be a 72-hour waiting period. 

It’s worth mentioning that most companies offering worldwide travel insurance give you the possibility to add extra coverage, such as trip cancellation cover, or adventure sports, for the daring traveller. Think carefully about whether you’ll need these!

What does worldwide travel insurance cover?

If you’re setting off on a round-the-world trip, your insurance should effectively cover all aspects of your journey. This will allow you to travel with peace of mind, the most valuable travel companion of all!

In this section, I’ll go through the benefits that will be most relevant to you, so you can find the most suitable policy for your trip. Also, note that all the insurance policies I have mentioned above include the following features:

  • Repatriation and 24-hour assistance. In the event of serious illness or accident, repatriation allows you to return to your country if necessary. It is also a necessary benefit for countries where natural disasters are common. On the UK Government website, you can consult the specific travel recommendations for each country. Remember, travelling to countries with official travel warnings may impact your coverage. 

  • Extensive medical and hospitalisation cover. Travelling around the world involves visiting a multitude of countries, and each one has a different health system. In most cases, for tourists, health care is brutally expensive, and thus, comprehensive medical coverage will save you a lot. The European Union has created the Re-Open EU website, which provides fully up-to-date information on this subject.

  • Dental, physiotherapy, psychological, or chiropractic expenses. During long journeys in particular, one is likely, at some point, to suffer from dental or physiotherapy problems, among others. Having acute pain can be a scary experience while overseas, hence the importance of including this expense in the policy.

  • Early return of the insured person(s). Being away from home for such a long time, circumstances may arise that require you to return early, such as the death or hospitalisation of a family member. This cover is essential for any long-term insurance, as you want to know you’ll be able to see your loved ones.

  • Accident benefit. This provides compensation for permanent disability or death, in the event of an accident at your destination or during your trip. I know it’s terrifying to even think about, but if the worst happens, you want to be prepared. 

  • Compensation in case of theft or damage to luggage. It’s also very important to highlight the coverage of electronic equipment, especially for digital nomads. Digital nomads travel the world as remote workers, so their electronic equipment is essential to their livelihoods. 

  • Legal advice abroad. In the event that you need it, insurance companies will provide a lawyer by telephone to advise you.

  • Public liability. Includes expenses in the event of damage to property or injury to third parties. It’s important to remember that you can’t foresee the types of situations you’ll find yourself in. 

  • Search and rescue costs. This type of cover is particularly important for the more adventurous travellers. Remember, rescue costs are extremely high in all corners of the world.

  • Extension and renewal of insurance. As mentioned in the previous sections, travelling around the world is unpredictable, and you may want to extend your trip, especially if you’re an avid traveller. Therefore, it’s essential to have an insurance policy that offers immediate renewal. Please beware, however, that there will typically be a 72-hour waiting period upon renewal. 

Remember that this is just an overview, so make sure you read the terms and conditions of your policy carefully so that you’re prepared if you run into any issues on your trip. 

How much does worldwide travel insurance cost?

One of the most frequently asked questions when it comes to purchasing worldwide travel insurance is the price. Today, the average price for 3 months is around €200 per traveller.

Here are a few factors that may affect the price of your worldwide travel insurance: the number of people contracting, discounts and promotional offers, the amount of medical expenses covered, and whether you’re covered for adventure sports.

Before contracting insurance for your trip, think about the following: which activities you’ll be taking part in, medical expenses in the regions you plan to visit, and whether you’ll be visiting high-risk areas. 

It may seem tempting not to bother with travel insurance, but I assure you, the peace of mind that you’ll take with you is invaluable, and will allow you to fully take in the experience. 

How do I buy worldwide travel insurance?

Buying worldwide travel insurance is essentially the same as buying any other type of policy, but there are some things you need to consider. Here is a step-by-step guide on how to do it. 

The websites of the insurance companies I mention are straightforward and intuitive, so don’t worry!

  1. Go to the website of the insurer of your choice and click on the insurance option that corresponds with a round-the-world trip. Different companies use different names for this type of trip. 

  2. Once you have selected the insurance, you will see a “Contract” button, or something similar. Click to start the contracting process.

  3. Once there, you will need to fill in your trip details. Firstly, the duration of the trip. Here you should bear in mind that the minimum is 3 months, and the maximum is 12 months. There is always the possibility of renewal if the trip lasts longer! Secondly, the number of travellers. Finally, the countries you will be visiting. Most companies offer a “Worldwide” option for travellers who don’t know which countries will be part of their adventure.

  4. Fill in the details of each traveller and add a supplement if necessary. This is usually the cancellation or adventure sports option.

  5. Read the insurance conditions carefully, and that’s it! You now have your worldwide travel insurance, and you’re ready to embrace the adventure of your round-the-world trip!

Worldwide travel insurance reviews

You can find thousands of online opinions on travel insurance for round-the-world trips, which give you a good idea of how people rated their experiences with their travel insurance providers. 

Here are some online reviews to give you an idea of what to expect when taking out worldwide travel insurance.

Positive opinions about contracting worldwide travel insurance:

  • The medical coverage is broad, and valid for all countries of the world;
  • Customer service is fast and efficient;
  • There are various options regarding payment of the insurance;
  • It can be taken out from abroad, once the trip has begun;
  • It includes a refund in case of interruption of the trip.

On the other hand, here are some points that customers were less satisfied with:

  • Trip cancellation is an additional cost;
  • Sometimes the traveller has to pay money in advance before the company reimburses you;
  • Some insurance companies have an age limit for contracting this type of insurance.

Is it worth it to take out worldwide travel insurance?

My answer: a definitive yes. Travelling around the world means spending a lot of time away from your home country, visiting different cities, and travelling by a variety of means of transport, and thus, the chances of a costly, unforeseen event increases. 

These policies are flexible, and are designed to include conditions for long-term trips, making them the perfect ally on your adventures around the world.

Worldwide travel insurance is the perfect solution to avoid a financial nightmare, in the event of an incident occurring on your trip, so remember, you’re better safe than sorry! 

All that remains now is for me to wish you a wonderful trip around the world! 😁

Best promo codes of September 2023

⚠️ To save money, take a look at the discounts valid until 31 September 2023:

Travel insurance to the US: Guide & Discounts in 2023

Complete guide to travel insurance to the US in September 2023. We’ll cover the most comprehensive policies currently available, their benefits, coverage, and discounts available in 2023, so you can get the best insurance for your trip!

error: Content is protected
Scroll to Top