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Do I Need To List All My Destinations?

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 need to include all destinations you're travelling to, apart from stopovers of less than 2 night – except 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 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.


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All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.