What geographical areas of travel insurance cover are available?

CoverForYou offers five geographical areas of travel insurance cover, ranging from Europe to worldwide destinations.

When purchasing your policy, you must select a geographical area that includes every destination you intend to visit.

Your selected area of cover will be confirmed on your policy schedule.

Important: FCDO Travel Advice

Your policy does not provide cover for travel to countries or regions where the Foreign, Commonwealth & Development Office (FCDO) advises against all travel or all but essential travel.

This applies regardless of which geographical area you purchase, including Worldwide cover.

Always check the latest FCDO travel advice before travelling.

Area 1 – Europe Restricted

Europe Restricted (Area 1) provides cover for a range of European destinations at a more limited geographical level.

Which destinations are included?

The following countries and territories are included:

• A–C: Åland Islands, Albania, Andorra, Austria, Belgium, Bulgaria, Channel Islands, Corsica, Croatia and Czechia.

• D–G: Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar and Guernsey.

• H–M: Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Moldova, Monaco and Montenegro.

• N–S: Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Svalbard and Jan Mayen Islands, Sweden and Switzerland.

• U–V: United Kingdom and Vatican City.

Which destinations are excluded?

Area 1 does not include:

• Cyprus

• Greece, including the Greek Islands

• Malta

• Spain, including the Balearic Islands and Canary Islands

If your trip includes any of these destinations, you must select Area 2 – Europe Unrestricted or another suitable geographical area.

Are there any restrictions?

• Single Trip: Available.

• Annual Multi-Trip: Not available.

• Backpacker: Not available.

If you're purchasing an Annual Multi-Trip or Backpacker policy for Europe, you must select Area 2 or another suitable geographical area.

Schengen visa requirements

Europe Restricted (Area 1) is not valid for Schengen visa insurance requirements.

If you need travel insurance for a Schengen visa application, select an appropriate policy under Area 2 and ensure it meets the other requirements of your visa.

Area 2 – Europe Unrestricted

Europe Unrestricted (Area 2) provides our wider European geographical cover.

It includes all destinations listed under Area 1, plus the destinations excluded from Europe Restricted.

Which additional destinations are included?

Area 2 includes:

• Cyprus

• Greece, including the Greek Islands

• Malta

• Spain, including the Balearic Islands and Canary Islands

All other destinations listed under Area 1 are also included.

This means Area 2 is suitable for customers visiting multiple European destinations, subject to FCDO advice and the terms of their policy.

Is Area 2 suitable for a Schengen visa?

Yes, Area 2 is the geographical option intended for Schengen visa insurance requirements.

However, you must also check that your chosen policy meets the relevant visa requirements, including:

• Minimum medical insurance cover.

• Emergency medical treatment and repatriation benefits.

• The required period of insurance.

Selecting Area 2 does not automatically guarantee that every requirement of your visa application has been met.

Are all European destinations included?

No. Some destinations that are geographically or politically associated with Europe are allocated to different geographical areas under CoverForYou's destination list.

For example:

• Turkey: Area 4 – Worldwide Excluding USA, Canada, Mexico and the Caribbean.

• Azores: Area 4 – Worldwide Excluding USA, Canada, Mexico and the Caribbean.

If you're unsure about a particular destination, please contact us before purchasing your policy.

Area 3 – Australia and New Zealand

Australia and New Zealand (Area 3) provides cover specifically for travel to:

• Australia

• New Zealand

This geographical area does not include other destinations.

Is Area 3 available for Annual Multi-Trip policies?

No. Area 3 is not available for Annual Multi-Trip policies.

If you're purchasing an Annual Multi-Trip policy and travelling to Australia or New Zealand, you must select:

Area 4 – Worldwide Excluding USA, Canada, Mexico and the Caribbean.

Area 4 – Worldwide Excluding USA, Canada, Mexico and the Caribbean

Area 4 provides our wider worldwide geographical cover, excluding the USA, Canada, Mexico and destinations classified within our Caribbean and other Area 5 destination group.

Which destinations are included?

Area 4 includes a wide range of worldwide destinations, including:

Asia

• China

• Hong Kong

• India

• Indonesia, including Bali

• Japan

• Malaysia

• Philippines

• Singapore

• South Korea

• Thailand

• Vietnam

Africa

• Egypt

• Kenya

• Mauritius

• Morocco

• South Africa

• Tanzania

• Tunisia

Middle East

• Bahrain

• Jordan

• Kuwait

• Oman

• Qatar

• Saudi Arabia

• United Arab Emirates

Other destinations

• Argentina

• Australia

• Brazil

• New Zealand

• Peru

• Turkey

• Azores

• Fiji

• French Polynesia

• Maldives

• Seychelles

These are examples rather than an exhaustive list.

Which destinations are excluded?

Area 4 does not include:

• United States of America

• Canada

• Mexico

• Caribbean destinations classified under Area 5

Examples of destinations requiring Area 5 include Barbados, Jamaica, Bermuda, the Bahamas, Puerto Rico and the Dominican Republic.

Important: Certain overseas territories are assigned to specific geographical areas that may differ from what you would expect based on their location or political association.

If your itinerary includes an island or overseas territory, check its geographical classification before purchasing your policy.

Area 5 – Worldwide Including USA, Canada, Mexico and the Caribbean

Area 5 provides CoverForYou's widest geographical area of travel insurance cover.

It includes destinations covered by the other geographical areas, plus the USA, Canada, Mexico and destinations classified within Area 5.

Which additional destinations are included?

Examples include:

North America

• United States of America

• Canada

• Mexico

Caribbean and surrounding territories

• Anguilla

• Antigua and Barbuda

• Aruba

• Bahamas

• Barbados

• Bermuda

• Bonaire

• British Virgin Islands

• Cayman Islands

• Curaçao

• Dominica

• Dominican Republic

• Grenada

• Guadeloupe

• Jamaica

• Martinique

• Montserrat

• Puerto Rico

• Saint Barthélemy

• Saint Kitts and Nevis

• Saint Lucia

• Saint Martin

• Saint Vincent and the Grenadines

• Sint Maarten

• Trinidad and Tobago

• Turks and Caicos Islands

• US Virgin Islands

Area 5 also includes certain other US territories and islands identified within our destination list.

Does Area 5 mean I can travel anywhere?

No. Although Area 5 provides our widest geographical cover, your policy does not automatically cover every destination or circumstance.

You must still:

• Follow the latest FCDO travel advice.

• Meet the eligibility requirements of your policy.

• Ensure your policy covers the full duration of your trip.

• Comply with all applicable terms, conditions and exclusions.

Worldwide cover does not override FCDO travel restrictions.

Which geographical area should I choose?

Here's a quick comparison:

What if I'm travelling to more than one country?

You must choose a geographical area that includes every destination on your itinerary.

For example:

• France and Italy: Area 1 may be suitable for a Single Trip policy.

• France and Spain: You will need Area 2.

• Greece and Cyprus: You will need Area 2.

• Thailand and Vietnam: You will need Area 4.

• Turkey and Greece: You will need Area 4.

• Australia and New Zealand: Area 3 may be suitable, depending on your policy type.

• Japan and the USA: You will need Area 5.

• Mexico and the Caribbean: You will need Area 5.

The appropriate area is determined by the destination requiring the widest geographical cover.

How do geographical areas work for Backpacker policies?

If you're purchasing a Backpacker travel insurance policy, you must select one geographical area that covers your intended journey.

Can I select individual destination countries?

No. Our Backpacker quotation system requires you to select a geographical area rather than enter a list of individual countries.

For example:

• Backpacking around Europe: Area 2 may be suitable.

• Travelling around Southeast Asia: Area 4 may be suitable.

• Travelling through Thailand, Australia and New Zealand: Area 4 may be suitable.

• Travelling through Canada, the USA or Mexico: Area 5 is required.

Please note: Area 1 is not available for Backpacker policies.

Your selected geographical area must include all your intended destinations.

What if I choose the wrong geographical area?

If your policy does not include a country you intend to visit, you may not have insurance cover for that destination.

If you realise that you've selected the wrong area, contact us before travelling so we can check whether your policy can be amended.

You can access your existing policy through your Customer Zone.

Need help choosing your geographical area?

If you're unsure which geographical area applies to your trip, please contact our team before purchasing your policy.

This is particularly important if you're:

• Visiting several countries.

• Travelling to overseas territories or islands.

• Taking a Backpacker trip across multiple regions.

• Unsure whether your destination is subject to FCDO restrictions.

Get a travel insurance quote

Contact CoverForYou

Please note: Your geographical area of cover is confirmed on your policy schedule. All insurance cover remains subject to the terms, conditions, exclusions, limits and any applicable excess of your policy.