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.


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).

If you choose to travel against Foreign, Commonwealth and Development Office (FCDO) advice (that is to a country, specific area, or event when the FCDO, or other regulatory authority in a country to/from which you are travelling, has advised against all or all but essential travel) our policies will continue to provide cover for any insured losses unrelated to the specific reasons for the travel advice/restrictions.


For example, should you travel against FCDO or other regulatory authority advice that is in place due to COVID-19, your policy will not provide cover if you suffer with COVID-19 when abroad, but would provide cover for claims that are not directly or indirectly linked to COVID-19 for instance if you broke your leg.


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.