World First Travel Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether World First is the right company to go on holidays with? 

In this definitive World First review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is World First the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into World First travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,6 Safe overall rating for World First

Safe ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate of 4.8/5 on Trust Pilot
Claims can be done online
Readily available policy wording documents
Quick response from customer support team

Cover provided

Wide range of specific insurance covers such as Medical, Epilepsy, Backpacker, Seniors, Worldwide travel, etc
6 levels of cover available
No upper age limit for Single Trip Policy
High limits of up to £10 million medical emergency cover
Upper age limit of 79 years when signing up for the Annual Multi Trip Policy

Value for money

Affordable premiums
Fixed amount of excess of £50 across all levels of cover
No credit or debit card fees
No discount mentioned on their website

Financial strength

World First is underwritten by Travel Insurance Facilities Group (TIF), a leading travel insurance company that was founded in August 1996
TIF pays an annual levy to the Financial Services Compensation Scheme (FSCS) in the UK to provide all policyholders with complete financial protection. This proves that the company has the ability to pay out claims.

Technology

Availability of live chat
Online quote generation and application process
User friendly website that is well designed and organized
No customer portal

Safe rating for World First travel insurance

World First travel insurance reviews by expert and consumers

Review organisationWorld First travel insurance reviews
Defaqto expert

Premier: 5

TrustPilot

4,8/5 based on more than 10,900 opinions

Consumer satisfaction rates on reviews for World First holiday insurance

To check if World First is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does World First travel insurance cover?

World First travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

The insurance policies available at World First can be tailored and offered to families, seniors as well as groups.

World First single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at World First
Maximum days per trip

Single Trips: 186 days per trip for travellers aged 65 and below & 31 days per trip for travellers over the age of 65)
Annual Multi Trip: unlimited number of trips no longer than 31 days (or 62 days for extra premium)

Maximum age limit

Single Trip: 100 years old
Annual Multi-Trip: 79 years old

Maximum days and age limit for single-trip and annual multi-trip policies at World First

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at World First:

Policy name

EconomyClassic StandardPremier5Exclusive
Defaqto expert ratingNot availableNot availableNot available5Not availableNot available
Excess (if not stated)£50£50£50£50£50£50
Medical expenses£10M£10M£10M£10M£10M£10M
Trip cancellation / curtailment£750£3000 £5000£5000£7500£10 000
Delayed departure 12 hours£10£15 £20£35 £25£50
Delayed departure max£60£100£150£150 £350£500
Baggage & belongings£500£1000 £1500 £2000£2500£3000
Money including cash£100£250£400£400£500£500
Repatriationxxxx£10M£10M
Personal liability£2M£2M£2M£2M£2M£2M
Personal accident (excess £0)£10 000£10 000£20000£20 000£30 000£35 000
Legal expenses
(excess £0)
£10 000£10 000£10 000£10 000£10 000£10 000
Hospital benefit
(excess £0)
£50 for every 24 hours up to £500£50 for every 24 hours up to £500£50 for every 24 hours up to £1000£50 for every 24 hours up to £1000£50 for every 24 hours up to £150050 for every 24 hours up to £2000
Accommodation cover£100£100£100£100£100£100
SAFI*xx£1500£1500£3000 £4000
Cruise / Winter SportsOptionalOptionalOptionalOptionalOptionalOptional
Business coverxxxxOptionalOptional
World First travel insurance in details

World First backpacker travel insurance

Backpacker Travel Insurance Policy is available at World First Insurance Company and it comes with the following benefits:

  • You can be covered for 18 days up to 558 days away from home
  • Upper age limit of 55 years
  • The policy is available across 4 levels of cover: Bronze, Silver, Gold and Platinum
  • Cancellation cover ranges from £750 to £7,000 depending on the level of cover your choose
  • Up to £10 million covered for medical emergency included as standard across all levels of cover
  • Possession lost, stolen or damaged are covered from £500 to £4000 depending on the level of cover
  • Personal liability cover range from £1M to £2M depending on level of cover
  • Personal accident cover range from £5,000 to £15,000 depending on the extent of harm caused and the level of cover
  • Cover of 30 minutes free legal advice available as standard
  • Legal expenses cover when pursuing compensation range from £10,000 to £25,000
  • More than 75 sports and activities covered as standard such as bungee jumping, rock climbing, skydiving, sand boarding, etc.

World First winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

World First Insurance offers Wintersports Insurance Policy with the following benefits:

  • Up to £10 million medical cover
  • Customer support that is available 24hours, 7 days a week
  • Cancellation cover of up to £10,000
  • Compensation for closures of slopes
  • Up to £2 million personal liability cover

What are the other travel insurance options available at World First?

Travel insurance options at World First
World First golf cover

World First Insurance offers Golf Cover as an extension and it comes with the following benefits:

  • £300 to £500 if your golf equipment is stolen, lost or damaged depending on level of cover
  • If your golf equipment is delayed by 12 hours, you’ll be entitled for cover to hire golf equipement from £20 per 12hrs to £50 per 12hrs depending on your level of cover
  • You’ll be compensated £200 to £400 (depending on the level of cover) if you’re unable to golf due to weather conditions
  • £50 to £100 for the costs incurred if you managed to get a hole in one.
World First business cover

Business Extension Cover is available at World First for the Superior and Exclusive levels of cover. It comes with the following benefits as standard:

  • Up to £1,000 if your business equipment is stolen, lost or damaged
  • Up to £500 if your business money is lost or stolen
  • Up to £500 if your business documents are stolen or lost
  • Up to £2,000 if you’re unable to proceed with your business trip.
World First cruise cover

World First offers Cruise Cover and it comes with the following benefits:

  • Up to £500 for missed port departure
  • Up to £500 if you are unable to go on your prepaid shore excursion
  • £50 per port up to a maximum of £750 if the cruise operator skips the port whether it is due to weather conditions or timetable restrictions
  • £50 per 24hrs up to a maximum of £500 if you end up being confined to your cabin due to an illness or injury.
World First gadget cover

World First Insurance offers Gadget Extension Policy across 6 levels of cover: Economy, Standard, Classic, Premier, Superior and Exclusive and it comes with the following benefits:

  • £500 to £1,500 (depending on level of cover) if your gadget is lost, stolen or accidentally damaged
  • Up to £150 for accessories lost, stolen or accidentally damaged at the same as your gadget
  • Up to £1,500 if your mobile phone was used to commit fraud.
World First other extras

Wedding Cover is available at World First Insurance and comes with the following benefits:

  • Up to £500 if wedding rings are lost or stolen
  • Up to £1,500 if wedding gifts are lost or stolen
  • Up to £2,000 if wedding attire is lost, stolen or damaged
  • Up to £500 if wedding photos are stolen or lost.

Other specific insurance policies available are:

  • Timeshare Travel Insurance
  • Last Minute Travel Insurance.
Other travel insurance policy options available at World First

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call World First before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is World First travel insurance?

You’ll find below indicative quotes per level of cover at World First:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at World First:

Policy name

Classic StandardPremier
Price – 7 days trip – 30 years old – Europe£9,61£16,47£18,12
Price – annual policy – 30 years old – Europe£25,81£33,20£39,93
Price – 7 days trip – 65 years old – Europe£20,88£36,53£40,19
Price – annual policy – 65 years old – Europe£55,84£74,87£89,96
Price – 7 days trip – 30 years old – USA£31,43£55,05£60,56
Price – annual policy – 30 years old – USA£45,97£62,47£77,20
Price – 7 days trip – 65 years old – USA£72,44£126,80£139,47
Price – annual policy – 65 years old – USA£100,84£140,23£173,23
World First travel insurance in details

It is, however, quite difficult to give precise price ranges as World First travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at World First?

They don’t mention any discounts in their website however, they do mention that groups can get better deals if they call the ‘Quote’ line.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at World First.

What else should I know about World First travel insurance?

What are the general exclusions at World First travel insurance?

Your insurance cover will only be valid provided that you and everyone mentioned in the policy schedule:

  • Are a resident of the UK, the Channel Islands or BFPO
  • Are not already abroad when the cover starts
  • Are not traveling within your home country
  • Will be traveling during the period of insurance unless you have agreed otherwise with the insurer
  • Are not traveling against the advice of your doctor or medical professional such as a dentist
  • Are not traveling specifically to get medical treatment abroad or is aware of the need to get any medical treatment
  • Are not traveling for more than 31 days per trip when purchasing the Annual Multi Trip Policy
  • Understand that there is no cover for cruise unless you purchase a cruise extension
  • Is not traveling to an area which the FCO advises against
  • Are traveling with the intention to return to the UK, The Channel Islands or BFPO.

How do I get travel insurance quote from World First?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If World First is the right one for you, then just click on get quote and you’ll be automatically directed through the company’s sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to World First website?

There is no login option on World First Insurance website.

How to claim at World First travel insurance?

There are 3 ways to make a claim: by email, by phone, or by sending a filled claim form through mail.

How to claim on World First travel insurance?
When to claim?Within 3 months after returning home.
Claim by mail

World First Travel Insurance
Tourism House
Woodwater Park
Pynes Hill
Exeter, Devon, EX2 5WS

Claim online

Claims can be made online by:

  • Downloading and filling the claim form available online
  • Sending it to the claims team (details are in the policy document)
Claim by phone

0203 829 6691

How to make a claim on World First travel insurance

How do I contact World First travel insurance?

World First contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0345 90 80 161

Monday to Friday: 8:30am – 7pm
Saturday: 9am – 4pm

Non Emergency Medical Claims+44 (0) 203 829 6691

Not Stated

Medical Emergency+44 (0) 203 829 6668

Available 24/7

Claims 0203 829 6691

Monday to Friday: 8am to 8pm
Saturday: 9am to 1pm

Gadget Claims+44 (0) 345 074 4813

Monday to Friday: 9am to 6pm
Saturday: 10am to 4pm

World First contact phone numbers

World First other contact details

Contact details
Address

World First Travel Insurance Tourism House
Woodwater Park
Pynes Hill
Exeter, Devon, EX2 5WS

Email[email protected]
World First contact details

How to cancel your annual World First travel insurance policy?

You will find below main information to cancel your travel insurance policy at World First:

How to cancel World First travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

for single trip: 50% of premium refund
for multi trip: 5% of monthly premium refund

Cancel by mail

You can send your cancellation letter to:
World First Travel Insurance
Tourism House
Woodwater Park Pynes Hill, Exeter
Devon EX2 5WS

Cancel by email[email protected]
Cancel by phone

0345 90 80 161

How to cancel World First travel insurance

Our opinion on World First travel insurance

World First is part of Rothwell & Towler, an insurance group that has been providing specialist insurance covers since 1973. The company is accredited by The Association of Travel Insurance Intermediaries and British Insurance Brokers’ Association. This proves that the company is well regulated and is always working on improving their customer service.

Aside from the main travel insurance offered, they also offer specialist insurance covers such as Medical, Epilepsy, Backpacker, Seniors, Worldwide travel, etc as well as extension covers such as Gadget, Golf, Cruise and Wedding Covers.

In addition to the wide range of policies offered, World First also has a high customer satisfaction rate on Trust Pilot as well as a 5 star rating on Defaqto.

We would recommend World First to anyone looking for affordable travel insurance from a company that values customer satisfaction.