World First

World First is part of Rothwell & Towler, an insurance group set up to provide specialist travel insurance in 1973.

World First offers a range of travel insurance policies, from backpacker cover to cover for those with pre-existing medical conditions. It offers safari insurance too - which some providers exclude in their activity list.

Its policies are provided by Travel Insurance Facilities and underwritten by URV.

World First
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Gold ribbon: first place

Travel insurance

Ranked 20th of 59 providers reviewed.

Customer happiness 69%
Customer trust 47%
Complaints performance 56%
Transparency rating 42%
Fairer Finance score
Reviewed Spring 2019
54%

Travel insurance

Annual multi-trip insurance

World First

Standard

4 stars
Medical excess i £50
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

World First

Premier

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

World First

Exclusive

4 stars
Medical excess i £50
Cancelling before travel i £10,000
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Abandoning your trip i £10,000
Lost or stolen cash i £500
Combined passport & travel i £400
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

World First

Superior

4 stars
Medical excess i £50
Cancelling before travel i £7,500
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £7,500
Abandoning your trip i £7,500
Lost or stolen cash i £500
Combined passport & travel i £350
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

World First

Classic

3 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

World First

Economy

2 stars
Medical excess i £50
Cancelling before travel i £750
Personal possessions & baggage - damaged, lost or stolen i £500
Max trip duration i 31 days
Emergency medical cover and repatriation i £3,000,000
Cutting trip short/curtailment i £750
Abandoning your trip i £750
Lost or stolen cash i £100
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

World First

Standard

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £0
Timetable/itinerary change i £750
Unused excursions i £500

World First

Premier

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £0
Timetable/itinerary change i £750
Unused excursions i £500

World First

Classic

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £0
Timetable/itinerary change i £750
Unused excursions i £500

World First

Economy

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £0
Timetable/itinerary change i £750
Unused excursions i £500

Single trip insurance

World First

Exclusive

4 stars
Medical excess i £50
Cancelling before travel i £10,000
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Missed departure i £1,000
Abandoning your trip i £10,000
Lost or stolen cash i £500
Combined passport & travel i £400

World First

Standard

4 stars
Medical excess i £50
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £500
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £250

World First

Premier

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £750
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £300

World First

Superior

4 stars
Medical excess i £50
Cancelling before travel i £7,500
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £7,500
Missed departure i £1,000
Abandoning your trip i £7,500
Lost or stolen cash i £500
Combined passport & travel i £350

World First

Classic

3 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £300
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £250

World First

Economy

1 stars
Medical excess i £50
Cancelling before travel i £750
Personal possessions and baggage - damaged, lost or stolen i £500
Emergency medical cover and repatriation i £3,000,000
Cutting trip short/curtailment i £750
Missed departure i £200
Abandoning your trip i £750
Lost or stolen cash i £100
Combined passport & travel i £250

Winter sports add-on

World First

Standard

2 stars
Ski equipment owned i £400
Single item limit for owned equipment i £400
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

World First

Premier

2 stars
Ski equipment owned i £400
Single item limit for owned equipment i £400
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

World First

Classic

1 stars
Ski equipment owned i £250
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £200

World First

Economy

1 stars
Ski equipment owned i £250
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £200