Do I Need To List All My Destinations?

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.

Stopovers do not need to be listed, provided you will stay at the airport for less than 24 hours, except for the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.

If you plan to travel to a country outside those that you’ve purchased cover for, we advise you to add destinations to your policy via the Policy Manager. You can also reach out to us via Live chat or email.

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. You will also need to ensure you have listed all stops your cruise will be making, including those that you do not plan to leave the ship for.

Note: We don’t provide coverage when you are on a cargo ship or freighter.
Check the PDS for more details.