Which Countries Do We Cover?
You can search for the client’s destination country below. Please note, from time to time the Foreign, Commonwealth & Development Office (FCDO) will advise against all travel or will advise to only undertake essential travel to a particular destination. We will do our best to keep this list up to date, but it is very important that you visit the FCDO website, search for their destination and check the advice before offering them a travel insurance policy. If they do not adhere to the FCDO’s advice, it will effect any potential claim*.
When you’re ready, please click get a quote and our system will ask you for all the countries they plan on visiting, to ensure we give them the correct price for the geographical cover they need.
| Country | UK | Europe exc Spain | Europe inc spain | Australia & New Zealand | Worldwide exc USA, Caribbean and Canada | Worldwide exc Mexico | Worldwide inc Mexico |
|---|---|---|---|---|---|---|---|
| Abu Dhabi | Yes | Yes | Yes | ||||
| Alaska | Yes | Yes | |||||
| Albania | Yes | Yes | Yes | Yes | Yes | Yes | |
| Algeria | Yes | Yes | Yes | ||||
| Andorra | Yes | Yes | Yes | Yes | Yes | ||
| Angola | Yes | Yes | Yes | ||||
| Anguilla | Yes | Yes | |||||
| Antarctic | Yes | Yes | Yes | ||||
| Antigua | Yes | Yes | |||||
| Argentina | Yes | Yes | Yes | ||||
| Armenia | Yes | Yes | Yes | ||||
| Aruba | Yes | Yes | |||||
| Ascension Island | Yes | Yes | Yes | ||||
| Australia | Yes | Yes | Yes | Yes | |||
| Austria | Yes | Yes | Yes | Yes | Yes | Yes | |
| Azerbaijan | Yes | Yes | Yes | ||||
| Azores | Yes | Yes | Yes | Yes | Yes | Yes | |
| Bahamas | Yes | Yes | |||||
| Bahrain | Yes | Yes | Yes | ||||
| Balearics | Yes | Yes | Yes | Yes | Yes | ||
| Bali | Yes | Yes | Yes | ||||
| Bangladesh | Yes | Yes | Yes | ||||
| Barbados | Yes | Yes | |||||
| Belarus | Yes | Yes | Yes | Yes | Yes | Yes | |
| Belgium | Yes | Yes | Yes | Yes | Yes | Yes | |
| Belize | Yes | Yes | |||||
| Benin | Yes | Yes | Yes | ||||
| Bermuda | Yes | Yes | |||||
| Bhutan | Yes | Yes | Yes | ||||
| Bolivia | Yes | Yes | Yes | ||||
| Bonaire (Antilles) | Yes | Yes | |||||
| Borneo | |||||||
| Bosnia-Herzegovina | Yes | Yes | Yes | Yes | Yes | Yes | |
| Botswana | Yes | Yes | Yes | ||||
| Bouvet Island | Yes | Yes | Yes | ||||
| Brazil | Yes | Yes | Yes | ||||
| British Antartic Territory | |||||||
| British Dependent Ter | Yes | Yes | Yes | ||||
| British Indian Ocean Territory | |||||||
| British Virgin Isles | Yes | Yes | |||||
| Brunei Darussalam | Yes | Yes | Yes | ||||
| Bulgaria | Yes | Yes | Yes | Yes | Yes | Yes | |
| Burma | Yes | Yes | Yes | ||||
| Cambodia | Yes | Yes | Yes | ||||
| Cameroon | Yes | Yes | Yes | ||||
| Canada | Yes | Yes | |||||
| Canary Island | Yes | Yes | Yes | Yes | Yes | ||
| Cape Verde | Yes | Yes | Yes | ||||
| Cayman Islands | Yes | Yes | |||||
| Chile | Yes | Yes | Yes | ||||
| China | Yes | Yes | Yes | ||||
| Christmas Island | Yes | Yes | Yes | ||||
| Cocos (Keeling) Islands | Yes | Yes | Yes | ||||
| Colombia | Yes | Yes | Yes | ||||
| Comoro Islands | Yes | Yes | |||||
| Congo | Yes | Yes | Yes | ||||
| Cook Islands | Yes | Yes | Yes | ||||
| Corfu | Yes | Yes | Yes | Yes | Yes | Yes | |
| Corsica | Yes | Yes | Yes | Yes | Yes | Yes | |
| Costa Rica | Yes | Yes | |||||
| Cote D'Lvoire | Yes | Yes | Yes | ||||
| Crete | Yes | Yes | Yes | Yes | Yes | Yes | |
| Croatia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Cruise Baltic | Yes | Yes | Yes | Yes | Yes | Yes | |
| Cruise Caribbean | Yes | Yes | |||||
| Cruise European | Yes | Yes | Yes | Yes | Yes | Yes | |
| Cruise Med | Yes | Yes | Yes | Yes | Yes | Yes | |
| Cuba | Yes | Yes | |||||
| Curacao | Yes | Yes | |||||
| Cyprus | Yes | Yes | Yes | ||||
| Czech Republic | Yes | Yes | Yes | Yes | Yes | Yes | |
| Democratic Republic of Congo | |||||||
| Denmark | Yes | Yes | Yes | Yes | Yes | Yes | |
| Djibouti | Yes | Yes | Yes | ||||
| Dominica | Yes | Yes | |||||
| Dominican Republic | Yes | Yes | |||||
| Ecuador | Yes | Yes | Yes | ||||
| Egypt | Yes | Yes | Yes | ||||
| Eire | Yes | Yes | Yes | Yes | Yes | Yes | |
| El Salvador | Yes | Yes | |||||
| England | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Equatorial Guinea | Yes | Yes | Yes | ||||
| Eritrea | Yes | Yes | Yes | ||||
| Estonia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Eswatini | Yes | Yes | Yes | ||||
| Ethiopia | Yes | Yes | Yes | ||||
| Falkland Islands | Yes | Yes | Yes | ||||
| Faroe Islands | Yes | Yes | Yes | Yes | Yes | Yes | |
| Fiji | Yes | Yes | Yes | ||||
| Finland | Yes | Yes | Yes | Yes | Yes | Yes | |
| France | Yes | Yes | Yes | Yes | Yes | Yes | |
| French Guiana | Yes | Yes | Yes | ||||
| French Polynesia | Yes | Yes | Yes | ||||
| French Southern Territories | Yes | Yes | Yes | ||||
| Gabon | Yes | Yes | Yes | ||||
| Galapagos Islands | Yes | Yes | Yes | ||||
| Gambia | Yes | Yes | Yes | ||||
| Georgia | Yes | Yes | Yes | ||||
| Germany | Yes | Yes | Yes | Yes | Yes | Yes | |
| Ghana | Yes | Yes | Yes | ||||
| Gibraltar | Yes | Yes | Yes | Yes | Yes | Yes | |
| Greece | Yes | Yes | Yes | Yes | Yes | Yes | |
| Greenland | Yes | Yes | |||||
| Grenada | Yes | Yes | |||||
| Guadeloupe | Yes | Yes | |||||
| Guam | Yes | Yes | Yes | ||||
| Guatemala | Yes | Yes | |||||
| Guernsey | Yes | Yes | Yes | Yes | Yes | Yes | |
| Guinea | Yes | Yes | Yes | ||||
| Guinea-Bissau | Yes | Yes | Yes | ||||
| Guyana | Yes | Yes | Yes | ||||
| Haiti | Yes | Yes | |||||
| Heard Island and McDonald Islands | Yes | Yes | Yes | ||||
| Holland | Yes | Yes | Yes | Yes | Yes | Yes | |
| Honduras | Yes | Yes | |||||
| Hong Kong | Yes | Yes | Yes | ||||
| Hungary | Yes | Yes | Yes | Yes | Yes | Yes | |
| Ibiza | Yes | Yes | Yes | Yes | Yes | ||
| Iceland | Yes | Yes | Yes | Yes | Yes | Yes | |
| India | Yes | Yes | Yes | ||||
| Indonesia | Yes | Yes | Yes | ||||
| Iran | Yes | Yes | Yes | ||||
| Ireland | Yes | Yes | Yes | Yes | Yes | Yes | |
| Isle of Man | Yes | Yes | Yes | Yes | Yes | Yes | |
| Israel | Yes | Yes | Yes | ||||
| Italy | Yes | Yes | Yes | Yes | Yes | Yes | |
| Ivory Coast | Yes | Yes | Yes | ||||
| Jamaica | Yes | Yes | |||||
| Japan | Yes | Yes | Yes | ||||
| Jersey | Yes | Yes | Yes | Yes | Yes | Yes | |
| Jordan | Yes | Yes | Yes | ||||
| Kazakhstan | Yes | Yes | Yes | ||||
| Kenya | Yes | Yes | Yes | ||||
| Kiribati | Yes | Yes | Yes | ||||
| Kos (Greek Island) | Yes | Yes | Yes | Yes | Yes | Yes | |
| Kosovo | |||||||
| Kuwait | Yes | Yes | Yes | ||||
| Kyrgyzstan | Yes | Yes | Yes | ||||
| Lanzarote | Yes | Yes | Yes | Yes | Yes | ||
| Lao People's Democratic Republic | Yes | Yes | Yes | ||||
| Laos | Yes | Yes | Yes | ||||
| Latvia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Lebanon | Yes | Yes | Yes | ||||
| Leeward Islands | Yes | Yes | |||||
| Lesotho | Yes | Yes | Yes | ||||
| Liberia | Yes | Yes | Yes | ||||
| Liechtenstein | Yes | Yes | Yes | Yes | Yes | Yes | |
| Lithuania | Yes | Yes | Yes | Yes | Yes | Yes | |
| Lord How Island | |||||||
| Luxembourg | Yes | Yes | Yes | Yes | Yes | Yes | |
| Macau / Macao | Yes | Yes | Yes | ||||
| Macedonia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Madagascar | Yes | Yes | Yes | ||||
| Madeira | Yes | Yes | Yes | Yes | Yes | Yes | |
| Majorca | Yes | Yes | Yes | Yes | Yes | ||
| Malawi | Yes | Yes | Yes | ||||
| Malaysia | Yes | Yes | Yes | ||||
| Maldives | Yes | Yes | Yes | ||||
| Malta | Yes | Yes | Yes | Yes | Yes | ||
| Marshall Islands | Yes | Yes | Yes | ||||
| Martinique | Yes | Yes | |||||
| Mauritius | Yes | Yes | Yes | ||||
| Mayotte | Yes | Yes | Yes | ||||
| Mexico | Yes | ||||||
| Micronesia | Yes | Yes | Yes | ||||
| Midway Island | Yes | Yes | |||||
| Minorca | Yes | Yes | Yes | Yes | Yes | ||
| Moldavia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Moldova | Yes | Yes | Yes | Yes | Yes | Yes | |
| Monaco | Yes | Yes | Yes | Yes | Yes | Yes | |
| Mongolia | Yes | Yes | Yes | ||||
| Montenegro | Yes | Yes | Yes | Yes | Yes | Yes | |
| Monserrat | Yes | Yes | |||||
| Morocco | Yes | Yes | Yes | ||||
| Mozambique | Yes | Yes | Yes | ||||
| Myanmar | Yes | Yes | Yes | ||||
| Namibia | Yes | Yes | Yes | ||||
| Nauru | Yes | Yes | Yes | ||||
| Nepal | Yes | Yes | Yes | ||||
| Netherlands Antilles | Yes | Yes | Yes | ||||
| Nevis Island | Yes | Yes | |||||
| New Caledonia | Yes | Yes | Yes | ||||
| New Zealand | Yes | Yes | Yes | Yes | |||
| Nicaragua | Yes | Yes | |||||
| Nigeria | Yes | Yes | Yes | ||||
| Niue | Yes | Yes | Yes | ||||
| Norfolk Island | |||||||
| Northern Ireland | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Northern Marianas | Yes | Yes | Yes | ||||
| Norway | Yes | Yes | Yes | Yes | Yes | Yes | |
| Oman | Yes | Yes | Yes | ||||
| Pakistan | Yes | Yes | Yes | ||||
| Palua | Yes | Yes | Yes | ||||
| Panama | Yes | Yes | |||||
| Papua New Guinea | Yes | Yes | Yes | ||||
| Paraguay | Yes | Yes | Yes | ||||
| Peru | Yes | Yes | Yes | ||||
| Philippines | Yes | Yes | Yes | ||||
| Pitcairn Islands | Yes | Yes | Yes | ||||
| Poland | Yes | Yes | Yes | Yes | Yes | Yes | |
| Portugal | Yes | Yes | Yes | Yes | Yes | Yes | |
| Puerto Rico | Yes | Yes | |||||
| Qatar | Yes | Yes | Yes | ||||
| Reunion | Yes | Yes | Yes | ||||
| Republic of Ireland | Yes | Yes | Yes | Yes | Yes | Yes | |
| Rhodes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Rodriguez Island | Yes | Yes | Yes | ||||
| Romania | Yes | Yes | Yes | Yes | Yes | Yes | |
| Russia (West of Urals) | Yes | Yes | Yes | Yes | Yes | Yes | |
| Rwanda | |||||||
| Saint Barthelemy | Yes | Yes | |||||
| Saint Helena | Yes | Yes | Yes | ||||
| Saipan | Yes | Yes | Yes | ||||
| Samoa (Western) | |||||||
| San Marino | Yes | Yes | Yes | Yes | Yes | Yes | |
| Sao Tone & Principle | Yes | Yes | Yes | ||||
| Sarawak | Yes | Yes | Yes | ||||
| Sardinia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Sark | Yes | Yes | Yes | Yes | Yes | Yes | |
| Saudi Arabia | Yes | Yes | Yes | ||||
| Scilly Isles | Yes | Yes | Yes | Yes | Yes | Yes | |
| Scotland | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Senegal | Yes | Yes | Yes | ||||
| Serbia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Seychelles | Yes | Yes | Yes | ||||
| Sierra Leone | Yes | Yes | Yes | ||||
| Singapore | Yes | Yes | Yes | ||||
| Slovakia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Slovenia | Yes | Yes | Yes | Yes | Yes | Yes | |
| Solomon Islands | Yes | Yes | Yes | ||||
| South Africa | Yes | Yes | Yes | ||||
| South Georgia and South Sandwich Islands | |||||||
| South Korea | Yes | Yes | Yes | ||||
| Spain | Yes | Yes | Yes | Yes | Yes | ||
| Sri Lanka | Yes | Yes | Yes | ||||
| St Helena | Yes | Yes | Yes | ||||
| St Kitts & Nevis | Yes | Yes | |||||
| St Lucia | Yes | Yes | |||||
| St Martin | Yes | Yes | |||||
| St Pierre & Miquelon | Yes | Yes | Yes | ||||
| St Vincent & the Grenadines | Yes | Yes | |||||
| State of Palestine | Yes | Yes | Yes | ||||
| Sudan | |||||||
| Suriname | Yes | Yes | Yes | ||||
| Svalbard and Jan Mayen Islands | Yes | Yes | Yes | Yes | Yes | Yes | |
| Swaziland | Yes | Yes | Yes | ||||
| Sweden | Yes | Yes | Yes | Yes | Yes | Yes | |
| Switzerland | Yes | Yes | Yes | Yes | Yes | Yes | |
| Taiwan | Yes | Yes | Yes | ||||
| Tajikistan | Yes | Yes | Yes | ||||
| Tanzania | Yes | Yes | Yes | ||||
| Tenerife | Yes | Yes | Yes | Yes | Yes | ||
| Territory of Cocos (Keeling) Islands | |||||||
| Territory of Christmas Island | |||||||
| Thailand | Yes | Yes | Yes | ||||
| The Occupied Palestinian Territories | |||||||
| Timor Leste | Yes | Yes | Yes | ||||
| Togo | Yes | Yes | Yes | ||||
| Tokelau | Yes | Yes | Yes | ||||
| Tonga | Yes | Yes | Yes | ||||
| Trinidad & Tobago | Yes | Yes | |||||
| Tristan Da Cunha | Yes | Yes | Yes | ||||
| Tunisia | Yes | Yes | Yes | ||||
| Turkey | Yes | Yes | Yes | ||||
| Turkmenistan | Yes | Yes | Yes | ||||
| Turks & Caicos Isles | Yes | Yes | |||||
| Tuvalu | Yes | Yes | Yes | ||||
| UAE | Yes | Yes | Yes | ||||
| Uganda | Yes | Yes | Yes | ||||
| Ukraine | Yes | Yes | Yes | Yes | Yes | Yes | |
| United Kingdom | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Uruguay | Yes | Yes | Yes | ||||
| USA | Yes | Yes | |||||
| Uzbekistan | Yes | Yes | Yes | ||||
| Vanuatu | Yes | Yes | Yes | ||||
| Vatican City | Yes | Yes | Yes | Yes | Yes | Yes | |
| Vietnam | Yes | Yes | Yes | ||||
| Virgin Isles (UK) | Yes | Yes | |||||
| Virgin Isles (US) | Yes | Yes | |||||
| Wake Island | Yes | Yes | |||||
| Wales | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Wallis & Futuna | Yes | Yes | Yes | ||||
| Western Sahara | Yes | Yes | Yes | ||||
| Yemen | Yes | Yes | Yes | ||||
| Yugoslavia (Former) | Yes | Yes | Yes | Yes | Yes | Yes | |
| Zaire | Yes | Yes | Yes | ||||
| Zambia | Yes | Yes | Yes | ||||
| Zanzibar | Yes | Yes | Yes | ||||
| Zimbabwe | Yes | Yes | Yes |
*If their trip is not essential and they choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. This limitation applies even if they have purchased an optional trip disruption upgrade. They may be able to travel with full cover if we authorise in writing that their trip is essential before they depart.
If the FCDO have advised against all travel to their destination, there is no cover under this policy apart from the Cancelling Your Trip section in the Large-Scale Events optional upgrade. There is also no cover under this policy if other government regulations or actions are in place restricting travel.
Please click here to visit the FCDO website, search for their destination and check the advice.