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 of 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.

… 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: 8 May 2026 10:00 BST

Problems in parts of the Middle East may affect some flights and travel plans. This page explains what help is available and what your insurance covers.
Before you travel:
• Check the latest UK Government travel advice for your destination and any stopovers: https://www.gov.uk/foreign-travel-advice
• Contact your airline or travel company for the latest updates.

If Your Travel Plans Change

If you are already abroad
If you cannot get home as planned and your policy ends, your insurance will automatically extend for up to 31 days at no extra cost. You do not need to contact us.
If you choose to stay longer or do not take the first available flight home, you must buy new insurance.

If you are travelling soon
If your trip is badly affected by cancelled flights, airport closures, or airspace restrictions, we can:
• Change your travel dates with no amendment fee, or
• Refund your premium in full.

If you want to delay your trip
We can:
• Move your policy start date to any date within 12 months of buying the policy, or
• Refund your premium in full.
Please note: changing your mind about travelling is not covered.

Important Information
Your policy terms and exclusions still apply.
Please remember:
• These temporary measures do not change your policy wording.
• If you travel against FCDO advice, some claims may not be covered.
• Claims linked to war, conflict, or civil unrest are not covered.
If you are unsure, contact us before changing your plans.

What You Should Do
1. Check the latest FCDO travel advice.
2. Contact your airline for updates.
3. Contact us if your trip is disrupted.
4. Consider registering with the UK Government for travel updates.

Areas That May Be Affected
Travel disruption may affect flights to, from, or through:
• UAE (Dubai and Abu Dhabi)
• Qatar (Doha)
• Bahrain
• Oman
• Kuwait
• Saudi Arabia
• Iran
• Iraq
• Israel
• Jordan
Some flights to Asia or Australia may also be affected.

Thinking About Cancelling?
Cancellation cover depends on the reason and your policy wording.
Claims linked to war, conflict, or civil unrest are not covered.
Before cancelling:
• Check FCDO advice
• Speak to your airline about refunds or rebooking
• Contact us if you want to change your dates
Choosing not to travel is not covered.

Frequently Asked Questions

My flight was cancelled because it goes through Dubai or Qatar. Am I covered?
No. Contact your airline for refunds or alternative flights.
We can still:
• Change your travel dates for free
• Extend your policy for up to 31 days if you are delayed abroad

Will my policy extend automatically if I cannot get home?
Yes. Cover will extend for up to 31 days at no extra cost.

Are hotel or meal costs covered?
No.

Are replacement flights covered?
No. Your airline must arrange refunds or new flights.
We strongly recommend not accepting a refund unless you are sure, as replacement flights may cost much more and insurance will not cover this.

Is loss of income covered?
No.

Can I travel to another airport in the same region?
Yes, if it is within the region shown on your policy schedule. Travel 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 linked to this event are not covered.

If my airline cancels my flight, do I claim from you?
No. Contact your airline directly.

If I cancel because I feel unsafe, am I covered?
No. Choosing not to travel is not covered.

If my tour operator cancels, can I get a refund of my policy?
Yes. We will refund your premium in full.

Can I change my destination?
Possibly. Contact us before you travel. An extra premium may apply.

If my flight is diverted through another country, am I covered?
Yes. You are automatically covered for transit through another country, including the USA, for up to 48 hours. Contact us if it will be longer than 48 hours.

I want to buy insurance now for an affected area. Will I be covered?
Partially. The conflict became a known event on 28 February 2026, so policies purchased after this date will not provide cover for claims directly related to the conflict.

However, if you are travelling to a Middle Eastern country where the FCDO advises against “all but essential travel”, your policy may still provide cover for unrelated events such as illness, injury, baggage issues, or cancellation, provided the claim is not connected to the conflict.

What if the FCDO advises against all travel to my destination?
If the FCDO advises against all travel:
• Claims linked to the reason for the advice are not covered.
• If you bought your policy before 28 February 2026 and still travel, your cover may continue but with restrictions.
• Emergency help services may also be limited.

If you decide not to travel, cancellation is not covered unless you have a Traveller Plus policy.

If you have a Single Trip policy, we may be able to move your travel dates. Contact us to discuss your options.