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Travel insurance by destination
Travel should be simple. Choosing the right cover for where you are going should be too.
The cover you need changes with the destination. A week in Spain and a month in Thailand are not the same insurance problem, and the United States is in a category of its own for medical costs.
So we have built destination pages that explain what actually matters for each one: what to declare, what the area of cover should be, and where the real risks sit. Whether you are heading to Europe, the USA, or further afield, start with the country and we will help you get the cover right.
How does travel insurance change by destination?
Most policies are priced around an area of cover rather than a single country. Getting this right is the difference between a policy that pays and one that leaves a gap:
- European cover is usually the cheapest area, and covers Europe and often nearby countries.
- Worldwide excluding USA, Canada and the Caribbean covers most of the globe at a lower premium.
- Worldwide including USA, Canada and the Caribbean covers everywhere, and costs the most.
If you take several trips a year across different regions, an annual worldwide policy is usually simpler and better value than insuring each trip separately.
Why does the destination affect the cost of cover?
Because the main thing you insure is emergency treatment and getting home, and both vary by region. Association of British Insurers figures put the average overseas medical claim at around £1,528, but one member paid out more than £1 million for treatment and repatriation from the USA.
A medical evacuation from the USA to the UK averaged over £192,000 in 2024, against around £45,000 from Spain. That regional gap is exactly why the area of cover drives the premium.
For European trips, a GHIC or EHIC card helps with state healthcare but does not cover repatriation or private treatment, so it works alongside insurance.
Destinations we cover
Europe & Schengen Area
Travel insurance for Europe and the Schengen Area covers GHIC and EHIC gaps, Schengen visa insurance requirements, and which countries actually count as Europe for cover.
Travel Insurance for USA
Travel insurance for the USA is the one to read closely: no reciprocal healthcare, the highest medical and repatriation costs anywhere, and the reason worldwide cover splits into with and without the USA.
Travel Insurance for Canada
Travel insurance for Canada covers trips, longer stays, and the IEC working holiday route.
Travel Insurance for Thailand
Travel insurance for Thailand covers backpacker and long-stay trips, private hospital costs, and activity cover for scooters and diving.
Travel Insurance for Australia
Travel insurance for Australia covers the Medicare reciprocal agreement, working-holiday-visa cover, and longer trip lengths.
Speak to us about your travel insurance
Send us a message and our team will help with your travel insurance query. We will take the time to understand where you are going and point you in the right direction.
All our dealings with Norton insurance, our multi car policies, has always been great. Renewing our home insurance has been just the same, professional, smooth and stress free! Thank you.
Reece Hill, the agent who handles my account came back to me when he said he would and was very helpful and patently talked me though the whole proses. H Larkin
A fine, traditional personal experience with the same agent who knows my requirements over several years. Nearly always providing the best quote available in the market. Highly recommended.
Most Frequently Asked Questions
Not a different policy for each, but the right area of cover for where you go. European cover suits Europe; worldwide cover is needed further afield, and cover including the USA costs more.
The USA, Canada and the Caribbean, because of the cost of private treatment and repatriation. A medical evacuation from the USA averaged over £192,000 in 2024.
A GHIC or EHIC helps with state healthcare inside the EU only. It does not cover repatriation, private treatment, or anywhere outside Europe, so it works alongside travel insurance.
Usually yes. If you take three or more trips a year across different regions, an annual worldwide policy is normally simpler and cheaper than insuring each destination separately.
