Are Stopovers outside my selected countries covered? 

When you apply for the policy you need to tell us where you are travelling to. The premium you pay for your 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.

Cruises: If you’re going on a cruise, you must ensure you select the right cruise region to ensure you are covered in the countries you visit (you will need to ensure you have selected the Cruise Pack add-on). Please visit our cruise travel insurance page 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.