What do you mean by geographical area?

Geographical areas are how the countries in the world are grouped for travel insurance purposes. 

Below are the destination groups that are usually used by underwriters. When purchasing a single trip policy, you will be asked to select or input your destination country, i.e. Spain, France etc.

For an annual multi trip policy, you will be asked to select one of the following groups. You will need to check the Policy Wordings or speak to a member of our contact centre for exact groupings for each underwriter.

UNITED KINGDOM - England, Scotland, Wales and Northern Ireland. Depending on your policy, this can also include the Channel Islands and the Isle of Man..

EUROPE 1 - Europe 1 is used to define most of Europe.

EUROPE 2 -  Europe 2 includes all of those countries listed in Europe 1, as well as additional countries which might incur higher medical costs.

AUSTRALIA and NEW ZEALAND

WORLDWIDE ex.USA, CANADA, CARIBBEAN, and MEXICO - Anywhere in the world excluding the United States of America, Canada, the Caribbean and Mexico.

WORLDWIDE INC. - Anywhere in the world.

Please note that it is your responsibility to check the latest travel advice from the Foreign, Commonwealth and Development Office (FCDO) before you go. We cannot offer travel insurance to a country or area where the FCDO has advised against all, or all but essential travel. 

Related FAQs

1. What's the difference between Europe 1 and Europe 2?
2. Do the Annual Multi-Trip policies cover UK travel?
3. Stay Safe Overseas: Be TravelAware with Direct Travel and the FCDO