Q: What geographical areas of cover do you offer, and which countries are included?
A: We divide our travel coverage into distinct destination areas. When purchasing your policy, you must ensure your zone matches your intended travel destinations.
No cover is provided if you travel against the Foreign and common wealth office (FCDO):
1. Europe Restricted (Area 1) - NOT Valid for Schengen visa requirement :
What's included: Most European nations.
What's explicitly excluded: Cyprus, Greece (including the Greek Islands), Malta, and Spain (including the Balearic and Canary Islands).
Policy Restrictions: This area of cover is not available for Backpacker or Annual Multi-Trip (AMT) policies , You will need to select Europe.
2. Europe Unrestricted (Area 2) - Valid for Schengen visa requirement
What's included: Full European coverage, including all countries listed below:
Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney, and Sark), Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece (including the Greek Islands), Hungary, Iceland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland (including Madeira), Romania, Russia (West of the Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Ukraine, United Kingdom, and Vatican City.
3. Australia and New Zealand (Area 3)
What's included: Australia and New Zealand only.
Policy Restrictions: This area of cover is not available for Annual Multi-Trip (AMT) policies. You will need to select Worldwide Excluding USA, Canada, Mexico, and the Caribbean.
4. Worldwide Excluding USA, Canada, Mexico, and the Caribbean (Area 4)
What's included: All countries across the globe, except for the United States, Canada, Mexico, and any islands or nations within the Caribbean.
5. Worldwide Including USA, Canada, Mexico, and the Caribbean (Area 5)
What's included: Complete global coverage with no country restrictions provided travel against the Foreign and common wealth office (FCDO).
Important Note for Backpacker Policies
If you are purchasing a Backpacker policy, our system requires you to select one specific overarching region or area from the options above. The system will not allow you to enter a list of several individual destination countries.
Please note: All cover is subject to the policy terms, conditions, exclusions, and any applicable excess.