CoverForYou offers five geographical areas of travel insurance cover, ranging from selected European destinations to worldwide cover.
When purchasing your policy, you must choose an area that includes every destination you intend to visit during your trip.
Your selected geographical area will be shown on your policy schedule.
Important: FCDO travel advice
Your geographical area does not override Foreign, Commonwealth & Development Office (FCDO) travel advice.
If you travel to a country, region or area while the FCDO advises against all travel or all but essential travel, cover will generally be excluded.
Your policy may provide cancellation or curtailment cover if new FCDO advice is issued after you have booked your trip or while you are travelling, subject to the policy terms and exclusions.
Always check the latest FCDO travel advice before travelling.
Europe Restricted (Area 1) covers selected European destinations.
Area 1 includes:
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.
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 will need Area 2 – Europe Unrestricted or another geographical area that includes your complete itinerary.
Single Trip: Available.
Annual Multi-Trip: Not available.
Backpacker: Not available.
If you are purchasing Annual Multi-Trip or Backpacker cover for Europe, select Area 2 or another suitable geographical area.
No.
Europe Restricted (Area 1) is not intended for Schengen visa insurance requirements.
If you need insurance for a Schengen visa application, choose an appropriate policy under Area 2 and make sure the policy also satisfies the other requirements of your visa application.
Europe Unrestricted (Area 2) provides wider European cover.
It includes all destinations listed under Area 1, plus:
Cyprus.
Greece, including the Greek Islands.
Malta.
Spain, including the Balearic Islands and Canary Islands.
Area 2 is the geographical option intended for customers who require cover for Schengen destinations.
However, choosing Area 2 does not by itself guarantee that your travel insurance meets every requirement of a particular visa application.
You should also check requirements such as:
Minimum medical cover.
Emergency medical treatment and repatriation cover.
Required dates and duration of insurance.
Any other requirements imposed by the relevant embassy, consulate or visa authority.
No.
Some destinations are placed in different CoverForYou geographical areas.
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 are unsure which area contains a destination, please contact us before purchasing.
Area 3 covers:
Australia.
New Zealand.
It does not include other destinations.
No.
If you are purchasing an Annual Multi-Trip policy and need cover for Australia or New Zealand, select:
Area 4 – Worldwide Excluding USA, Canada, Mexico and the Caribbean.
Area 4 provides worldwide cover excluding the USA, Canada, Mexico and destinations classified within Area 5.
Area 4 includes a wide range of destinations. Examples include:
China.
Hong Kong.
India.
Indonesia, including Bali.
Japan.
Malaysia.
Philippines.
Singapore.
South Korea.
Thailand.
Vietnam.
Egypt.
Kenya.
Mauritius.
Morocco.
South Africa.
Tanzania.
Tunisia.
Bahrain.
Jordan.
Kuwait.
Oman.
Qatar.
Saudi Arabia.
United Arab Emirates.
Argentina.
Australia.
Brazil.
New Zealand.
Peru.
Turkey.
Azores.
Fiji.
French Polynesia.
Maldives.
Seychelles.
These are examples and are not an exhaustive list.
Area 4 does not include:
United States of America.
Canada.
Mexico.
Caribbean and other destinations classified under Area 5.
Examples of destinations requiring Area 5 include:
Bahamas.
Barbados.
Bermuda.
Dominican Republic.
Jamaica.
Puerto Rico.
Some islands and overseas territories may be placed in a geographical area that is different from what you might expect based on their location or political association.
If your trip includes an island or overseas territory, check its classification before purchasing your policy.
Area 5 provides CoverForYou's widest geographical cover.
It includes destinations covered by the other geographical areas, together with the USA, Canada, Mexico and destinations classified within Area 5.
Examples include:
United States of America.
Canada.
Mexico.
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.
Some overseas territories and islands have their own geographical classification, so do not assume that a territory uses the same area as the country it is associated with. Check the destination shown in our quotation system or contact us if you are unsure.
No.
Even with Area 5, you must still:
Check the latest FCDO travel advice.
Meet the eligibility requirements of your policy.
Make sure your policy covers the full duration of your trip.
Comply with the policy terms, conditions and exclusions.
Worldwide cover does not override FCDO travel restrictions.
Area | Geographical cover |
|---|---|
Area 1 – Europe Restricted | Selected European destinations, excluding Cyprus, Greece, Malta and Spain, including their specified islands |
Area 2 – Europe Unrestricted | Area 1 destinations plus Cyprus, Greece, Malta and Spain, including their specified islands |
Area 3 – Australia and New Zealand | Australia and New Zealand only |
Area 4 – Worldwide Excluding | Worldwide destinations excluding USA, Canada, Mexico and destinations classified within Area 5 |
Area 5 – Worldwide Including | Widest geographical cover, including USA, Canada, Mexico and Caribbean destinations |
Choose the 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: Area 2.
Greece and Cyprus: Area 2.
Thailand and Vietnam: Area 4.
Turkey and Greece: Area 4.
Australia and New Zealand: Area 3 may be suitable, depending on your policy type.
Japan and the USA: Area 5.
Mexico and the Caribbean: Area 5.
Where destinations fall into different areas, choose the area that provides the geographical cover required for your complete itinerary.
For a Backpacker policy, you select one geographical area that covers your intended journey rather than entering each individual destination.
For example:
Backpacking around Europe may require Area 2.
Travelling around Southeast Asia may require Area 4.
Travelling through Thailand, Australia and New Zealand may require Area 4.
Travelling through Canada, the USA or Mexico requires Area 5.
Area 1 is not available for Backpacker policies.
Your selected area must include all of your intended destinations.
If your policy does not include a country you intend to visit, you may not have cover while travelling there.
If you realise that you have selected the wrong area, contact us before travelling so we can check whether your policy can be amended.
You can also access your existing policy through your Customer Zone.
Please contact us before purchasing if you are unsure which area applies, particularly if you are:
Visiting several countries.
Travelling to islands or overseas territories.
Taking a Backpacker trip across several regions.
Unsure whether a destination is affected by FCDO travel advice.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
