We are only able to insure residents of the UK and Europe.
Please select your country of residence from the following:
Who is travelling?
Where do you need cover?
Europe means the continent of Europe West of the Ural Mountains, the United Kingdom, the Isle of Man, the Channel Islands, Iceland, Ireland, Jordan, Madeira, the Canary, Azores, Mediterranean Islands as well as all countries bordering the Mediterranean (including Turkey, Morocco, Egypt and Israel).
(A) If the period of cover purchased is under 2 months, this can include a 48 hour stop-over in any other country for both outward and return travel.
(B) If the period of cover purchased is two months or more, a total of 7 days is allowed in any other country for no additional premium.
(C) If the period of cover purchased is six months or more, a total of 14 days is allowed in any other country for no additional premium.
(A) If the period of cover purchased is under 2 months, this can include a 48 hour stop-over in the USA or Canada for both outward and return travel.
(B) If the period of cover purchased is two months or more, a total of 7 days is allowed in the USA or Canada for no additional premium.
(C) If the period of cover purchased is six months or more, a total of 14 days is allowed in the USA or Canada for no additional premium.
All countries of the World, including United States and Canada.
Information about Coronavirus and your True Traveller Insurance Policy
We have detailed the cover available on your True Traveller Policy for Coronavirus below.
This was last updated on 9 December 2024 at 14:00 GMT.
I have Covid – can I go on holiday?Legally speaking, yes. In the UK there is no legal requirement to self-isolate if you test positive. The current NHS advice reads: “Try to stay at home and avoid contact with other people if you or your child have symptoms”. You might also consider the risk of infecting fellow passengers or holidaymakers, but again, this is a moral rather than legal issue.
Can I cancel my holiday if I have Covid?If you are ill and your Doctor says you cannot travel due to Covid, then that’s cancellation for a medical condition and will be treated the same as any cancellation claim. However, if it’s the case that you just no longer wish to travel but may have Covid and feel fine, then this would be classed as ‘disinclination to travel’, which is not something your insurance will cover.
If I catch Covid abroad, what happens? Will travel insurance cover me? You may need to self-isolate or register with local authorities: check the laws and guidance of your destination on gov.uk/Foreign Travel Advice.
In most countries, however, self-isolation is now merely advised (and not enforced).
As for your travel insurance, any necessary healthcare will be covered like any other illness. Please read the claims page for further information.
Must I be vaccinated against Covid?The Covid vaccination programmes which were in place throughout Europe have all now ended, so there is no requirement or need to have been vaccinated, or be vaccinated, for Covid.
For backpackers and last-minute travellers aged under 40.
For holidays and adventures, with a balance of cover and flexibility.
For travellers seeking enhanced medical and cancellation benefits.
We offer the True Value and Traveller policy valid for unlimited trips throughout the year for durations up to 30 days, and the Traveller Plus policy which offers enhanced cover for unlimited trips lasting up to 70 days.
From sightseeing and swimming to trekking and scuba diving, the activities you choose are part of what makes your trip yours.
The standard Traveller Activity Pack includes trekking up to 3,000 metres. The Adventure Pack extends trekking cover to 4,600 metres, while the Extreme and Ultimate Packs provide options for more demanding activities.
Check the full activity list before choosing your cover. Altitude, equipment and the type of activity can affect which pack you need. For trekking in Nepal, you must also select the Trekking in Nepal option.
True Traveller began as a travel company. That background shapes how we think about insurance: practical information, clear choices and cover that reflects the journeys people actually take.
We want choosing your insurance to feel like a straightforward part of planning your trip. Explore the options, check the details and ask us if you need help finding the right cover.
For us, giving service is first, last and everything. We’re delighted to be rated 5/5 by the independent review service, Reviews.io.
Choose your dates of cover?
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, your previous insurance has expired or you forgot to arrange cover before departure, you can apply online for a new Single Trip policy. Special conditions apply, including limited cover during the first 48 hours after purchase.
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.
The standard Traveller Activity Pack includes 92 activities, including bungee jumping, horse riding, safari touring, scuba diving to 18 metres and trekking up to 3,000 metres. Some activities have specific conditions or restrictions.
For more adventurous activities, you can select the Adventure, Extreme or Ultimate Activity Pack. The Adventure Pack includes trekking up to 4,600 metres, while the other packs offer additional activities subject to their individual conditions.
Please check the full activity list and conditions before choosing your Activity Pack. For trekking in Nepal, you must also select the Trekking in Nepal option.
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.
The Traveller Pack is included as standard on all our policies. However you can upgrade to more adventurous activities to ensure you are covered when undertaking these activities. If there’s an activity not listed, just contact us and we will see if we can get it included for you.
(1) Note you must have the correct licence in your Country of Residence to drive a motorcycle or cover is not available. If you are from the UK, you are only covered if you have either a full Motorcycle Licence, or in the absence of that you have taken a Compulsory basic training (CBT) course in the past two years. A helmet must be worn when riding a motorbike.
(2) Non Manual/Clerical Work means professional, clerical or administrative work or working as a classroom teacher, classroom assistant, au pair, child-minder, bar and restaurant work.
(3) Note you must have the correct motorbike licence in your Country of Residence to drive a motorcycle or cover is not available. A helmet must be worn when riding a motorbike.
(4) Permitted Manual Work means general farm work and fruit picking. This includes driving tractors and other similar farm vehicles so long as you comply with any appropriate license requirements; doctor, nurse, midwife and care work (including medical elective trips but not dental elective); light building and DIY e.g. painting, decorating or basic construction work using light power tools only. Permitted Manual Work is not covered if it involves the use of plant/trade/industrial machinery, non-domestic power tools or working at a height of over 2 metres.
(6) Volunteering means your participation in community or wildlife based conservation/project work when arranged by a professional organisation. This may include caring, teaching or nursing. It may also cover community/charity based supervised building/renovation projects or other Permitted Manual Work, provided the activity does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors), non-domestic power tools or working at a height of over 2 metres.
(7) Note you must have the correct motorbike licence in your Country of Residence to drive a motorcycle or cover is not available. A helmet must be worn when riding a motorbike.
(8) Trekking over 4,600 metres exclude rock climbing at altitude. This is covered by Mountaineering in the Ultimate Pack. However, trekking will include peaks such as Mera Peak and Island Peak in Nepal, as these are treks and no mountaineering skills are required for these summits.
(N) If travelling to Nepal, you must also select the Trekking in Nepal option.
Please Note: The above list of activities is 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.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK or Europe and are already travelling, you may apply online for a new Single Trip policy. You cannot claim for anything that has already happened or for any circumstances that could give rise to a claim which were known when you purchased the policy.
During the first 48 hours after purchase, medical cover is limited to a serious injury resulting from an accident that can be verified by an independent witness. There is no cover for baggage, money or travel documents during this period. Illnesses, injuries or symptoms that already exist, or begin during the first 48 hours, are not covered then or later in the trip.
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:
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.
You have entered the ages of all travellers as below 18 years of age. If this is a mistake please go back and correct this error so you can complete your application.
If the ages should all be under 18 years, please note to enter any sort of financial contract the individual purchasing the insurance must be 18 years of age or older.
By continuing, you are confirming that you are a parent or legal guardian on behalf of the child to be insured.
Please check already travelling checkbox.
Cover bought after you've left home works differently. Three things to know – for every traveller on the policy.
Until 48 hours after you buy:
No medical cover, except a serious injury in an accident that an independent witness can confirm.
No cover for baggage, money or travel documents.
An illness or injury you already have, or that starts in the first 48 hours, counts as pre-existing – so it isn't covered, then or later in your trip. That includes symptoms without a diagnosis.
Nor is anything that happened before you bought, like lost baggage.
Cancellation cover doesn't apply to the trip you're already on.
There's no 14-day cooling-off period, so you won't get a refund if you change your mind.
Have a medical condition? Declare it in your application. It's only covered if we accept it in writing.
Need a doctor now? Get help straight away – don't wait for your cover to start.
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.
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.
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.
Regulatory Notice
Please note that this website, all documentation and communication in relation to this policy is available in the English Language only.
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.