Destinations And Regions

Check out the different countries and regions that are covered on our travel insurance policies.

What countries do your travel insurance policies cover?

Travel insurance policies are broken down into the following geographical areas:

Area 1: Republic of Ireland, England, The United Kingdom (including the Channel Islands and the Isle of Man)*

Area 2: The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands, and non-European countries bordering the Mediterranean (except Algeria, Israel, Jordan, Libya, Syria and Lebanon)**

Area 3: Worldwide excluding the United States of America and Canada

Area 4: Worldwide including the United States of America and Canada

If you are unsure which area your trip falls into, contact our customer service team on 01 279 9989.

*Trips within Area 1 must consist of pre-booked accommodation for two or more nights.

**Europe consists of Albania, Andorra, Austria, The Azores, The Balearic Islands, Belgium, Belarus, Bosnia, Bulgaria, The Canary islands, The Channel islands, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Greece, Germany, Hungary, Iceland, Italy, Lapland, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldavia, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia (Moscow), San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Syria, Tunisia, Turkey, Republic of Ukraine (Kiev), the United Kingdom, and Vatican City.

What area do Egypt, the Canary Islands, Morocco and Tunisia come under on your policies?

The countries of Egypt, the Canary Islands, Morocco and Tunisia can be covered with our European travel insurance policies. Please note that Algeria, Israel, Jordan, Syria, Lebanon and Libya are not included in our European policies and can be covered on our Worldwide (exc. USA and Canada) and Worldwide (inc. USA and Canada) areas.

Where is Lapland?

The Lapland region stretches across Finland and Sweden and is included under our European travel insurance policies.

What if I am travelling to more than one country?

We can cover you to travel to multiple destinations as part of one trip. A trip is considered to be from the date that you leave your home country until the date that you return to your home country (or your final destination if it is a one-way trip). You need to ensure that the policy covers you for all the regions that you plan to travel to and certain terms and conditions will apply. For example, if you will be travelling to India, stopping off for a week in Bulgaria, you will need to choose the Worldwide (exc. USA and Canada) as this area includes both of those countries. For more information see our policy wording booklets or call on 01 279 9989 to speak to a member of our customer service team.

I have a European Annual Multi Trip policy but I will now be travelling outside of Europe. Can I upgrade my policy?

Certain non-European countries like Egypt, Turkey, Morocco and Tunisia are included under our European policies. If you're not travelling to one of these countries you can upgrade your Annual Multi Trip policy to include worldwide cover for an additional premium. Please call our customer service team on 01 279 9989 to arrange this. Alternatively, you can purchase a separate Single Trip policy but upgrading your Annual Multi Trip policy to include worldwide cover might work out cheaper.

I am travelling to Cuba. Will I need to purchase additional medical cover upon entry?

No. Provided you have a travel insurance policy with cover for medical expenses included, you will not need to purchase additional cover.