Our areas of international health insurance coverage

Depending on where in the world you live, travel to or wish to receive treatment there are three geographical areas of cover designed to suit your needs.

Whichever area of cover is selected, you can receive medical treatment not only in your country of residence, but also in any other country within the chosen area of cover.

Area 1

Provides worldwide cover.

Area 2

Provides cover throughout the world, except the USA and Canada.

Area 3

Provides European and other specified countries cover.

We define Europe as:

Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Republic of Cyprus (including Akrotiri and Dhekelia SBAs), Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, FYR Macedonia, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal (including Madeira), Romania, Russian Federation, San Marino, Serbia and Montenegro, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Turkey, Turkish Republic of Northern Cyprus, Turkmenistan, Ukraine, United Kingdom of Great Britain and Northern Ireland, Uzbekistan, Vatican City State.

Out-of-area cover gives you the reassurance that you will be covered in countries outside your chosen area, whether travelling on business or for pleasure. While there are limits to the amounts you can claim, this does provide you with both in-patient and out-patient cover for emergency treatment of sudden illness.

Get a quote