We offer travel insurance to most countries in the world; however, war or sanctions may affect coverage available to a destination or region.
When you get a quote, you’ll select the country or countries you plan to visit. If you try to add a country that we don’t cover (e.g. Cuba, North Korea, Sudan), the system won’t let you continue with the quote. It’s important to choose all the countries or regions you plan to travel to when you buy your policy.
If you choose certain regions like ‘Asia’ or ‘Worldwide’, rather than individual countries, please note there may be some countries excluded from coverage.
Travel insurance tip 1: if you’re not sure whether the country you want to travel to is covered, contact us.
Whilst we offer cover for more than 150 activities, sports, and adventures, there are some activities that we don’t cover on any of our policies. We don’t offer cover for:
If a country is sanctioned by the U.S. government, we are not able to offer coverage if you travel there. This means we cannot offer emergency evacuation or medical assistance in those countries. We also cannot pay any claims for events that may occur while you are there or that are related to your travel there.
Pay attention to travel warnings from the US Department of State
If the U.S. State Department has issued a travel warning for a country you’re planning to visit, you should be aware that it may affect your cover, especially if you intend to make a claim.
With this in mind, we won’t offer cover for costs that directly or indirectly relate to or arise from you traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State. You should also expect to pay out of pocket for any expenses, and then claim for your costs once you’re back in your country of residence, if you are covered under our policies.
Travel insurance tip 2: government warnings can be issued or changed without notice at any time, so always check the status with the U.S. State Department before you buy a policy and before you pay anything towards your trip, either deposits or the full amount.
Both our Standard and Explorer Plans offer emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas. Cover available includes medical assistance, hospitalization benefits, and evacuation or repatriation, if deemed medically necessary by us and in consultation with your attending physician.
Only our Explorer Plan also includes our Coronavirus Travel Costs benefit, which offers cover for some coronavirus-related events, such as:
Note: benefit limits may vary depending on your Country of Residence and which plan you have chosen.
We don’t cover trips to dangerous places. For example, you may invalidate your travel insurance if you decide to go anywhere with:
Before you travel, be sure to check our travel alerts page, travel alerts for specific destinations and get tips on travel safety around the world.
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
We’re here to help if you have a question about travel insurance. We’re available:
For policies purchase on or after 2 December 2018:
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For policies purchased before 2 December 2018:
Before your trip, check the latest government advice for any travel alerts for your destination.