Ideally, when you apply for a policy
, you should tell us all the countries you are going to. The premium you pay for the policy depends on your destination(s). The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit.
You don’t need to mention a stopover if it’s less than 48 hours (unless you’re travelling to the USA
We will cover you for stopovers of up to two nights in the USA but you must nominate USA as a destination when you apply for cover).
If you travel to a country outside ones that you’ve originally purchased cover for, we advise you add destinations to your policy via the Policy Manager
If you’re going on a cruise
, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack
, you won't be covered while on the ship, for for cancellation fees, lost deposits, additional travel expenses, and medical expenses.
Note: We don’t provide coverage when you are on a cargo ship or freighter.
Check the PDS
for more details.