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Understanding Our Types of Cover

Explains policy options for individuals, couples, families, and groups, including eligibility, age categories, and unaccompanied minor rules.

Q: What types of cover options are available?

A: We offer four main types of cover tailored to your travel needs: Just Me (Single Person), Couple, Family, and Group cover.

Just Me (Single Person) Cover:

  • Eligibility: This cover is for a single adult traveling alone.

  • Available Policy Types: Single Trip (ST), Annual Multi-Trip (AMT), and Backpacker policies (BP).

Couple Cover

  • Eligibility: Covers two people who have been living together at the same address for at least 6 months.

  • What is considered a household/domestic relationship? This includes friends sharing a house/apartment, live-in partners, or relatives (e.g., spouse, siblings, parents, or in-laws) who meet the 6-month living criteria.

  • Available Policy Types: Single Trip (ST), Annual Multi-Trip (AMT), and Backpacker policies (BP).

Family Cover

  • Eligibility: Covers up to 2 adults and up to 9 children (including stepchildren or foster children) who are aged 17 or under at the date the policy is issued. The individuals do not need to be related to qualify.

  • Age Categories:

    • Infant: Under 2 years old.

    • Child: Between 2 and 17 years old.

    • Adult: 18 years old and over.

  • Can family members travel separately?

    • Adults: On Annual Multi-Trip (AMT) policies, adults are fully covered to travel together or completely on their own.

    • Children: Children can travel unaccompanied across our policies, provided all legal processes, flight rules, and border documentation requirements for minor travel are met. Please note that the policy does not cover costs if travel or entry is refused due to missing independent travel documentation.

  • Grandparents: Under Annual Multi-Trip (AMT) policies, we happily accept family policies specifically for grandparents and grandchildren.

  • Available Policy Types: Single Trip (ST) and Annual Multi-Trip (AMT) policies only.

Group Cover

  • Eligibility (Single Trips): A mix of adults and children up to a maximum of 11 people who do not necessarily live in the same household.

  • Eligibility (Annual Multi-Trip): Limited to a maximum of 2 adults and up to 9 children. There is no requirement to live together or be related.

  • Available Policy Types: Single Trip (ST), Annual Multi-Trip (AMT), and Backpacker policies (BP).

    • Note: Backpacker group policies do not provide coverage for children.

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