Secure the shot - Focus on Travel and answers "Are you covered anywhere, anyhow?"

As a specialist insurance broker dedicated to supporting both semi-amateur and professional photographers, one of the most common questions we hear is: “Does worldwide cover really mean I can take my kit anywhere in the world and be fully protected?”

It’s a fair question, especially in an age where destination shoots, overseas assignments and global travel are integral to some photographers’ work. Here we help unpack what “worldwide cover” actually means for you and what you should be aware of before heading off.

Worldwide cover – The basics

When your photographic equipment policy includes worldwide cover, it generally means your insured items are protected when temporarily taken outside your home country. It is, however, important to understand the finer details as there are limitations.

Temporary travel

Most policies assume you’re going abroad temporarily to carry out your business trips and may impose time limits for your travel for any one stretch. Policies often cap the number of days you can be outside the country to say 30, 60 or 90 consecutive days, with some extending further. Breaching these time caps set by your policy can invalidate your cover so do please be mindful of how long you are going for, what period your policy allows and stick to those parameters. If you are planning on going on a longer shoot than your policy typically allows, do make sure to tell your insurance provider and/or insurance broker before you travel so that possible arrangements can be made with your insurance provider and permissions granted for your extended journey.

So you’ve got Worldwide cover

I can go anywhere, right? Not so. Some countries, especially those with high political risk, sanctions and active warzones, may be excluded. Always check with your insurance provider if you are unsure, as things can change quickly. To get a steer, many insurance providers, if not all, will use the Foreign Travel Advice website for guidance. The link is here Foreign travel advice – GOV.UK should you wish to refer back to it at a later stage.

Is my equipment covered in an aircraft then?

This is a crucial point and most photographers are understandably cautious when it comes to flying with expensive equipment.

Hold luggage vs. hand luggage

It may not surprise you but insurers often treat luggage in the hold differently to that being carried on your person, purely due to the difference in perceived risk. While hand luggage is typically covered under standard terms, there may be exclusions or limitations if equipment is stowed in the aircrafts hold, where theft or rough handling is much more common. Best advice here is to again check your policy before you fly so you know exactly where you stand in terms of your policy cover and how best to carry your equipment before you fly.

Damage during transit

Policies usually cover accidental damage during transit, but you’ll often need to prove that reasonable care was taken and that the item was packed securely when you set off. How can you do this? Whilst it may seem excessive, taking images of your securely stored equipment on your smart phone is very helpful in the event of claim. That way, Insurers can visibly see that you’d done everything you can before you began your journey. Many insurers will insist that the equipment is stored securely in a peli case when travelling.

Hazards of travelling with equipment abroad

Travelling with equipment abroad opens the door to a range of risks that differ from those you may face at home.

Theft

Airports, train stations and city centres in unfamiliar locations are hotspots for opportunistic theft. Stay vigilant at all times.

Environmental risks

Humidity, sand, salt water and extreme temperatures can wreak havoc on sensitive kit. Be mindful of your surroundings and take appropriate measures.

Transportation damage

Long-haul travel, rough baggage handling and overland treks can all pose risks of different kinds. Keep everything secure as best you can, and remember to keep evidence of how you package your items away before you set off.

Language and legal barriers

If something goes wrong, navigating local law enforcement or making a claim whilst overseas can be more complicated. Keep everything documented as best you can and report any damage to your insurance provider as soon as you are able. Your insurer could potentially offer assistance if they are notified early enough. This is where having a responsive insurer and/or broker becomes invaluable to you – someone who understands how to act quickly and assist, wherever you are in the world.

Border control have taken my equipment – help?

Here’s a lesser-known – but very real – risk: border officials seize your photographic equipment, either due to paperwork issues, suspicion of commercial activity or misunderstandings around import/export rules.

Is it covered?

Typically, no. Most insurance policies exclude cover for items seized or detained by customs or other authorities. This applies whether the seizure is lawful, or not, as the case may be.

Why does it happen?

Seizure might be due to missing carnet documentation, exceeding allowable limits for duty-free equipment, or looking like you’re conducting paid work without a permit or visa.

How to avoid it:

1. Travel with an ATA Carnet when carrying commercial-grade equipment abroad – it’s a “passport” for equipment, essentially.
2. Understand the import/export and visa requirements of the country you’re visiting. Research before you fly and plan accordingly.
3. Be transparent at borders – ambiguity around the purpose of your trip can raise red flags if questioned. Be up front and honest at all times.

Summary

Worldwide insurance cover is an essential tool in the modern photographer’s kit – but, unfortunately, it’s not a magic passport to global peace of mind. It must be understood, respected, and paired with good travel practices. As a specialist broker, we always encourage photographers to discuss their travel plans with their insurer before they leave. That way, we can make sure your policy keeps pace with your ambitions – wherever in the world they may take you.

If you’re planning an overseas shoot and want to double-check your cover – or you’re simply unsure what your policy really protects – let’s talk. The goal is simple: to let you focus on creating incredible images, while we take care of the rest.