Frequently Asked Questions


What countries are covered on a Coverwise travel policy?


The table below provides confirmation of the countries that fall into each Coverwise Travel Area category.


There is also the option to view a full list of the countries in alphabetical order when you click on Number 2 when getting a travel insurance quotation.


All you need to do is click on your chosen country and a message will be displayed confirming which Coverwise Travel Area your destination falls into. If you are travelling to more than one country you must always select a policy that covers the higher travel area, for example:


  • a) If your trip included Spain, China and Canada you would need to select worldwide, (including USA, Canada and the Caribbean).

  • b) If your trip included Morocco and the Gambia you would need to select worldwide, (excluding USA, Canada and the Caribbean).

Please remember that a Coverwise policy would not provide cover for your travel to a country, specific area or event that the Foreign & Commonwealth Office (FCO), World health Organisation (WHO) or regulatory authority in the country that you are travelling from, in, to or through has advised against all or all but essential travel.


Coverwise Travel Area Codes
Area 3 (Single Trip Only) United Kingdom

United Kingdom means England, Scotland, Wales, Northern Ireland, The Isle of Man and the Channel Islands.

(Area 3 is not available as a standalone Annual Multi- Trip policy)

Area 4 Europe (Single and Annual Multi-Trip policies)

Europe means all countries to the west of the Ural Mountains, islands in the Mediterranean, Morocco, Algeria, Tunisia, Turkey, the Canary Islands, Madeira, the Azores, Iceland and Egypt.

A European Single or Annual Multi-Trip policy includes all countries covered by Areas 3 and 4

Area 5 (Single Trip Only) Australia and New Zealand

Australia and New Zealand means all states in Australia and New Zealand (North and South Island)

(Area 5 is not available as a standalone Annual Multi-Trip policy and provides cover for Australia and New Zealand only)

Area 6 (Single and Annual Multi-Trip policies)

Worldwide (exc. USA, Canada and Caribbean) means any country excluding the USA, Canada and the Caribbean.

A Worldwide (exc. USA, Canada and the Caribbean) Single or Annual Multi-Trip policy includes all countries covered by Areas 3, 4, 5 and 6.

Area 7 (Single and Annual Multi-Trip policies)

Worldwide, (inc. USA, Canada and Caribbean) means any country in the world.

A Worldwide, (inc, USA, Canada and the Caribbean) Single or Annual Multi-Trip policy includes all countries covered by Areas 3, 4, 5, 6 and 7.