Do I Need High Net Worth Travel Insurance?

High value home insurance

At Higos, we understand a typical Travel Insurance policy may not be suitable for more discerning clients. So when it comes to finding suitable Travel Insurance for higher risk travel, we know your insurance needs become even more individual and specialist.

What Is High Net Worth Travel Insurance?

When it comes to High Net Worth Travel Insurance one size doesn’t fit all – far from it. The responsibility of protecting high value and treasured possessions such as expensive jewellery and watches can be a worry when travelling abroad. And if you’re adding luxury accommodation, expensive flights and unusual activities to the mix, you may exceed the limit of a standard travel insurance policy. Our bespoke High Net Worth Travel Insurance policy can help provide the cover you need and give full peace of mind that you’re thoroughly protected.

What Does High Net Worth Travel Insurance Cover?

High Net Worth Travel Insurance can cover a variety of risks and higher levels of cover than of a standard Travel Insurance policy. These can include:

  • Annual worldwide multi trip cover
  • Cancellation and curtailment cover
  • Luggage
  • Personal Liability
  • Jewellery cover
  • Delays
  • Missed departure
  • Acts of terrorism
  • Medical conditions
  • Hijack & kidnap
  • Medical expenses
  • Boat and yacht cover
  • Cover for ski equipment, golf equipment
  • Winter sports
  • Piste closure & skiing cancellation
  • Business equipment cover
  • Business travel
  • Personal accident
  • Covid-19 cover

Why Should I Get High Net Worth Travel Insurance?

Booking luxury holidays such as a 60 day cruise costing 100k is not typically considered your average holiday! For some people a standard Travel Insurance policy may not provide the specialist cover that’s required for their contents and lifestyle. Taking valuable items on holiday or booking expensive flights, accommodation and unusual activities can potentially exceed the limit of a standard Travel Insurance policy. Having a High Net Worth Travel Insurance policy is designed for more discerning clients who require increased levels of cover with higher limits. Should the unexpected happen and you need to make a claim, you could find yourself only covered for up to £5000 or less, leaving you underinsured and paying the difference.

Can I Get A standalone High Net Worth Travel Insurance Policy?

A High Net Worth Travel Insurance Policy is not provided as a standalone policy and will often be covered as part of a High Value Home Insurance policy. This can include cover for the home, prestige and performance vehicles, watercraft, high value jewellery, antiques, collectables, travel and lifestyle protection.

Bespoke High Value Home Insurance

At Higos, our specialist Platinum Team is dedicated to serving our High Value Home clients like you with the very best levels of service and cover. We’ll take the time to get to know you, your lifestyle, home and the risks you face before using our experience, market knowledge and reputation to provide insurance as individual as you.

If the unexpected should happen, we have a friendly in-house claims team ready to provide a prompt and personal service.

If you’re interested in speaking to a chartered insurance broker for advice or a quotation for High Net Worth Travel Insurance get in contact with us at Higos. Alternatively fill out our online request a call-back form and a member from our specialist High Value Home Insurance team will call you back.


Our Specialist High Value Home Insurance cover can include:

  • Worldwide all risks cover
  • Specific cover for fine art and antiques
  • Specific cover for jewellery and watches
  • No average clause and warranty-free policies
  • Flexible claims settlement
  • Interest free direct debit where available
  • Valuations and security surveys available
  • High Net Worth Travel Insurance
  • Performance & prestige vehicles
  • Antiques & Collectables
  • Watercraft

For a quote today, just call 01458 270324 or click the 'Request a call back' button.

If you are an existing Higos customer, please call your branch