Travel Insurance designed by travellers.

Your True Traveller Policy is insured by Inter Partner Assistance S.A., which is part of the AXA Group, one of the world’s largest insurance companies.

If you’ve already started travelling, and you previous insurance has run out, or you simply forgot before you left to take out travel insurance, you can simply apply online and get cover immediately.

Do however note, if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then we can’t help. Insurance is there to assist you in the event that something may happen, not for things which have already happened.

Your Traveller Policy includes 92 activities as standard, which includes Bungee Jumping, Horse Riding, Safari Touring, Scuba diving to 18M and lots more activities you may end up partaking in on your trip. We even include non-manual work if you’re on a Working Holiday, and include bar and restaurant work as well.

We have our Adventure, Extreme and Ultimate Activity Packs you can select when you apply for your Insurance with us, which covers even more activities, to even include Rock Climbing, Trekking to unlimited altitudes as well as light manual labour again if you’re on a Working Holiday.

If you have an accident on your trip and end up in Hospital, AXA Assistance has a team of multi-lingual staff and medical professionals on duty, 24 hours a day, 7 days a week.

You can call them from overseas on +44 20 7985 7446, or if you’re in the USA or Canada, you can also call toll free on 1 800 986 6380.

They will be able to assist you and get your medical bills paid, and in cases where it’s medically necessary, arrange to fly you back home for further medical attention.

Can I take out this Insurance if I’m already abroad?

If you are normally a resident of the UK or Europe and your insurance has run out, you may take out cover online with us for Single Trip policies. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Obviously, this insurance will not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim. Note, purely as an anti-fraud measure, there is no cover in the first 48 hours after you’ve taken out your policy, except of course in the case where you suffer an injury as a result of an accident.

Please note if you are already travelling, you MUST select this option otherwise your Policy is not valid.

If I take out Insurance and get ill, where will I get repatriated to?

In the unlikely event of this happening, you will be repatriated back to your home country as long as the appropriate geographic premium has been paid and it has been agreed by the 24 hour Emergency Medical Assistance Service.

Please Note: The above FAQs are subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.

Your Country of Residence is the country where you:

• Are a citizen or a legal resident
• Have access to medical care in that country through a National Health Insurance Scheme and/or private health insurance
• Will be medically repatriated to for ongoing medical care if it’s necessary in the event you have a bad accident or becoming very ill on your trip
• Have unrestricted and unconditional right of entry
• Have a residential address

Note if you have recently been travelling, we do not have any minimum residency requirements. This means, for example, if you are a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you fulfil all the requirements as set out above.

The Start Date is the date you leave your home to start your trip, or the date you want cover to start if you're already travelling.

The End Date is the date the policy will expire, so select the date you expect to return home, or the date you expect to reach your destination if you only need one-way cover.

Please enter your age that you are today. For infants aged under 1, please enter 0 as the age.

Please select where you are travelling to.

Please choose your country of residence.

Please enter your age.

Please add the age textbox through spinner plus sign to enter traveller age.

Age cannot be zero.

Please check already travelling checkbox.

Important Notice

We can offer travel insurance for you if you've left home and already travelling but only on the strict understanding that nothing has already happened which has led to a claim or may lead to a potential claim.

This means, for example, that if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then this policy will not pay for any part of any claim, and any claim attempted in such situations may be treated as fraud, which is a criminal offence.

To prevent fraudulent claims, cover will not commence until 48 hours after the policy has been purchased, and any illness or injury occurring in this waiting period will be considered a pre-existing condition and will not be covered. However, should you suffer a serious injury in an accident in this 48-hour period, which is verifiable by an Independent Witness, then you will be covered from the date cover commenced.

Note there is no 14-day cooling off period when already travelling overseas so no refund of premium will be made in the event you cancel the policy.

Sorry, the maximum length of a policy you can have is limited to 366 days if you are 50 years or age or more. Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.

Sorry, the maximum length of a policy you can have is limited to 548 days if you are 36 years or age or more. Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.

Sorry, the maximum length of a policy you can have is limited to 548 days (18 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.

Note: If you need 2 years cover, please change your destination to Worldwide including USA & Canada.

Sorry, the maximum length of a policy you can have is limited to 731 days (24 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.

Sorry, you can only start a policy with a commencement date up to 364 days from today’s date, so please amend your start date.

Sorry, but since most of our insurances are for adventurous activities or for backpackers, the maximum age we are able to insure to is 75, as for our sort of business mix, we’re unable to get rates from Underwriters for ages above this.

For residents of the UK, we recommend you telephone Goodtogoinsurance.com on 0330 024 9949 as they can insure persons aged 76 and above.

Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 471641).

For residents of Europe, we recommend you contact your local AXA Insurance office.

Sorry, but since the majority of our insurances are for adventurous activities or for backpackers, the maximum age we are able to insure to is 65, as for our sort of business mix we’re unable to get rates from Underwriters for ages above this.

We don't know of any travel insurer who will offer cover to any persons aged 66 or more who are already travelling, so we suggest you contact your current insurer to see if they will extend your current cover.

Please select the travelling start date.

Please select the travelling end date.

Important Notice

We have detected that you are using a computer which doesn't appear to be located in your Country of Permanent Residence.

Please be aware that you must choose the "Already Travelling" option on this page to ensure your policy is valid. Without the Already Travelling endorsement shown on your Policy, the policy is simply not valid and claims may be declined.

You may of course be purchasing this insurance for someone else, or you may be using a Corporate Internet routing through another country which we cannot detect, so if that is the case then please contact The True Traveller by telephone where one of our operators will be pleased to assist.

The start date of your insurance is in the past. Please correct the start date.

All True Traveller policies include medical, cancellation and curtailment cover for Coronavirus.

For further information about the Coronavirus and your True Traveller policy, please go to the Coronavirus FAQs on our website.

We're sorry, but Multi-Trip policies are only available for travellers up to 65 years of age.

If you’re over 65, please click here to get a Single Trip quote — we’re able to offer cover on Single Trip policies for travellers up to 75 years old.

Middle East Travel Update

Last updated: 3 March 2025 10:45 GMT

We appreciate that recent developments in parts of the Middle East may be causing uncertainty, particularly if your journey involves travel to, from, or through the region. This page explains what support is available, how your policy may respond, and the steps you should take if your travel plans are affected.

Before travelling, please review the latest Foreign, Commonwealth & Development Office (FCDO) advice for your destination and any transit points: https://www.gov.uk/foreign-travel-advice

You should also contact your airline or travel provider directly for the most up-to-date operational information.

If Your Travel Plans Are Affected

If you are currently overseas
If you are unable to return home as planned and your policy is due to expire, your cover will automatically extend for up to 31 days at no extra cost. There is no need to contact us to arrange this.
If you are due to travel shortly
If your trip is significantly disrupted - for example due to flight cancellations, airport closures, or airspace restrictions - we can move your travel dates without charging an amendment fee. Please contact the True Traveller team for assistance.
If you would prefer to postpone your trip
If you wish to move your trip to a later date, we can change your policy start date to any date up to 12 months from the date your bought your policy.
Please note: choosing not to travel (disinclination to travel) is not covered under your policy.

Important Information About Your Cover
The measures above are intended to provide practical support during disruption. However, your policy terms, conditions and exclusions still apply.
Please keep in mind:
• These temporary measures do not override your policy wording.
• If you travel against FCDO advice and your policy excludes such travel, claims arising from that decision may not be covered.
• Claims linked to war, hostilities or civil unrest fall under your policy’s General Exclusions.

If you are unsure how this situation may affect your cover, please contact us before making any changes.

What You Should Do
1. Check the latest FCDO advice for your destination and any connecting countries.
2. Contact your airline or travel provider for updates on delays, cancellations, or alternative routes.
3. If your trip is disrupted, speak to the True Traveller team about your options.
4. Consider registering your presence with the UK Government to receive updates.

Areas Potentially Affected
Travel disruption may impact flights operating to, from, or via parts of the Middle East. This may include (but is not limited to):

• United Arab Emirates (including Dubai and Abu Dhabi)
• Qatar (including Doha)
• Bahrain
• Oman
• Kuwait
• Saudi Arabia
• Iran
• Iraq
• Israel
• Jordan

This list may change at short notice. Some long-haul routes to Asia or Australia may also be affected where flights transit through the region.

We continue to monitor developments and will update this page if circumstances change.

Considering Cancelling Your Trip?
Cancellation cover depends on your specific reason for cancelling and the terms outlined in your policy wording. Your policy includes a General Exclusion relating to war, hostilities and civil unrest. Claims arising from circumstances that fall within this exclusion are not covered.

Before cancelling, we recommend that you:

• Review the latest FCDO advice.
• Speak with your airline or travel provider to explore rebooking or refund options.
• Contact us if you wish to amend your travel dates.

Please remember that cancellation because you no longer wish to travel is not covered.

Frequently Asked Questions

If my flight is cancelled because it routes through Dubai or Qatar, am I covered?
Claims arising from this event are not covered. You will need to contact your airline to arrange alternative travel or request a refund.

However, we can:
• Move your travel dates at no extra charge if your trip is significantly disrupted.
• Automatically extend your cover by up to 31 days if you are delayed returning home.

Will my policy extend automatically if I cannot return home?
Yes. If your return is delayed and your policy expires, cover will automatically extend for up to 31 days at no additional cost.

Are additional accommodation or meal costs covered?
No. There is no cover for claims relating to this event.

Are alternative flights covered?
No. You will need to arrange alternatives or refunds through your airline. However, we can assist with date changes or automatic policy extensions as outlined above. Do not accept a refund from your airline as other flights will be much more expensive and your travel insurance will not cover these costs.

Is loss of income covered?
No. Loss of income is not covered under our policies.

Can I travel to another airport within the same region to fly home?
If you remain within the region shown on your Policy Schedule (for example travelling between Dubai and Abu Dhabi), your cover remains unchanged.
Travel to destinations outside your insured region is not covered unless agreed in advance.

If FCDO advice changed after I bought my policy, can I claim?
No. Claims arising from this event are not covered. Please contact your airline regarding refunds or alternative travel.

If my airline cancels my flight, do I claim from you?
No. You should contact your airline directly regarding rebooking or refunds.

If I cancel because I feel unsafe, am I covered?
No. Disinclination to travel (choosing not to travel) is not covered.

If my tour operator cancels, can I get a refund of my policy?
Cancellation relating to this event is not covered.

You may:
• Contact your airline or tour operator for refunds or rebooking.
• Move your single trip dates up to 12 months from the original purchase date
• Cancel your policy - Refund eligibility depends on when cancellation occurs.

Can I change my travel destination?
If you wish to change the country or region covered, please contact us before departure. Additional premium may apply.

If my route is diverted through a region I’m not insured for, will I still be covered?
If you transit through a different country (including the USA), you are automatically covered for up to 48 hours. If transit will exceed 48 hours, please contact us.

What happens if the FCDO advises against travel to my destination?
If the FCDO advises against all or all but essential travel to your destination:
• There is no cover for claims relating to the reason for that advice (including war, hostilities or civil unrest).
• If your policy was purchased before 28 February 2026 and you choose to travel, your policy may remain valid, but:
o Cover will be restricted.
o Claims linked to the reason for FCDO advice will not be covered.
o Emergency assistance services may be limited depending on circumstances.

If you decide not to travel, please note that cancellation due to FCDO advice is not covered unless you have a Traveller Plus policy. However, if you hold a Single Trip policy, we may be able to move your dates - please contact us to discuss your options.

We understand this may be an uncertain time. We will continue to monitor the situation and update this page if required.