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My TT policy

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Our Insurer

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.

Insurer

Already Travelling – No Problem

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.




92 Activities as standard

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.




24/7 Medical Assistance Service

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.




Choose your Activity Pack

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.

Traveller Pack
Abseiling Aerobics
Archery Athletics
Badminton Ballet
Banana Boating | excludes Flying Fish Baseball
Basketball Black Water Rafting (grades 1-3)
Bowls Bungee Jumping (2 jumps)
Camel riding (day tour) Canoeing (inland/ coastal – grades 1-3)
Caving (sightseeing/ tourist attraction) Recreational Visit only Cheerleading and Baton Twirling (excludes stunts)
Clay pigeon shooting Cricket
Croquet Cruising (Cruise Ship)
Curling Cycling (incidental to the trip) including e-bikes
Cycling (on an organised tour) Dodge Ball
Dragon Boating (inland/ coastal waters) Dune Bashing
Walking with Elephants (Riding Elephants not covered) Field Hockey
Fitness Training Fishing (inland/ coastal waters) - Sports/ Leisure fishing only – no commercial or rock fishing
Flag American Football Floorball
Flying (as a fare paying passenger in a licenced scheduled or chartered aircraft or helicopter) Football (Soccer)
Go Karting Golf
Gymnastics Horse riding (leisure/ social/ non-competitive) - No racing/ jumping
Hot Air ballooning Ice skating (indoor)
Ice skating (outdoor) on a commercially managed rink Jet boating (inland/ coastal waters)
Jet skiing (inland/ coastal – grades 1-3) Kayaking (inland/ coastal – grades 1-3)
Kite boarding (on land or water) Lacrosse
Martial Arts training (non-contact) Motorcycling (on road under 125cc) (1) – No Motorcycle Touring
Netball Non Manual/ Clerical Work (2)
Orienteering Outdoor endurance courses up to 3 miles
Outward Bound Pursuits Paint Balling/ Airsoft
Parasailing/ Parascending (Over water) Racquetball
Rifle range/ Sports shooting River Boarding/ Hydro Speeding (grades 1-3)
Roller Skating/ Rollerblading Rounders
Rowing/ Sculling (inland/ coastal waters – no white water) Running/ Jogging (up to half marathon distance)
Safari Travel Sandboarding/ Sand Skiing
Sailing (inland/ coastal waters) Scuba Diving (up to 18 metres in depth)
Segway Tours (Helmet must be worn) Skateboarding (ramp, half pipe, skate park, street) | excludes Electric Skateboarding
Snorkeling Snowshoeing (Flat Terrain)
Softball Speed Boating (inland/ coastal waters – no white water)
Squash Stand up Paddle Surfing/ Paddle Boarding
Surfing Swimming (pool; enclosed, inland/ coastal waters)
Swimming with Dolphins/ Whales/ Whale Sharks Table Tennis
Tandem Skydive (1 jump) Tennis
Trampolining Trekking up to 3,000 metres
Triathlon up to Sprint Distance Tubing on rivers (grades 1-2)
Ultimate Frisbee Volleyball
Wall Climbing (Man-made Climbing Walls) – No soloing Water Polo
White Water Rafting (grades 1-3) Windsurfing (inland/ coastal)
Yoga Zip Lining
Adventure Pack
Aerial hoop or silks (Max 2m above the floor) Aerial Safari
Bicycle Polo Black Water Rafting (grades 4-5)
Bouldering – No soloing Boxing/Muay Thai Boxing (training only)
Bungee Jumping (3 or more jumps) Camel Trekking (overnight/ main mode of transport)
Canyon Swinging Canyoning
Canoeing (inland/coastal – grades 4-5) Cheerleading and Baton Twirling (includes stunts)
Dirt Boarding Dogsledding (on recognised trails)
Fencing Fishing (outside coastal waters/ deep sea) – Sport/ Leisure Fishing only
Fly By Wire Glacier Walking
Horse riding (overnight/main mode of transport) Indoor Skydiving
Kayaking (inland/coastal – grades 4-5) Kite Buggy
Land Surfing Marathons
Martial Arts - Judo/ Karate /Jiu-Jitsu only (training only) Motorcycling (on road over 125cc) (3) – No Motorcycle Touring
Mountain Biking (MTB trail grades Green/Blue) Open water swimming with support boat (above 5˚C)
Outdoor endurance courses up to 8 miles Outrigger canoeing (inland/ coastal waters)
Quad Biking (Helmet must be worn) Permitted Manual Work (4)
Rock Climbing (outdoor/traditional/sport climbing/bolted/aid climbing). Excludes Sea Cliff/Ice Climbing/Big Walling over 450M Roller Hockey
Sailing (outside coastal waters) Scuba Diving (up to 40 metres in depth)
Shark Cage Diving Spearfishing
Trekking up to 4,600 metres (N) Triathlon to Middle Distance /Half Ironman
Via Ferrata (schall scale A-C) Volunteering (6)
Water Skiing/ Wakeboarding/ Wake Skating (No jumping) White Water Rafting (grades 4-5)
Wing Foiling (within coastal waters) Zorbing
Extreme Pack
American Football Australian Rules Football (AFL)
Caving / Potholing (as part of a group, not ice; known routes only) Coasteering
Cycle Touring Cycling - BMX
Flying (as pilot or passenger of a private light aircraft) - No Stunt/ Aerobatics or Commercial flying. Gaelic Football
Gliding Horse Riding (Equestrian, Dressage, Show Jumping, Eventing)
Hurling Kite Wing (land, water only)
Motorcycling/Trail Biking (off-road under 250cc) (7) – No Motorcycle Touring/ No Motocross Mountain Biking (MTB Trail Grade Red)
Outdoor endurance courses up to 13 miles Ranching and Ranch activities
Roller Derby Rugby (League/ Union)
Scuba Diving (up to 50 metres in depth) Tandem Paragliding (1 flight)
Trapeze/ High Wire/ Aerial Silks Trekking over 4,600 metres (8) (N)
Via Ferrata (schall scale D-E) Water Skiing (Barefoot)
Wrestling/Sumo Wrestling
Ultimate Pack
Climbing (Ice) – No soloing. Hang Gliding
Mountain Biking (MTB Trail Grade Black) Mountaineering to 6,000M with (with ropes, picks or specialist climbing equipment). (N)
Parachuting – More than 1 Jump | excludes Base Jumping Paragliding/Parapenting/Paramotoring
Parasailing/Parascending Polo/Polocrosse
Sea Cliff Climbing – No soloing Skydiving/Tandem Skydiving – More than 1 Jump
Triathlon to Full Distance /Ironman Ultramarathon – Max distance 250km /No Polar Cover

(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.





Are you already travelling?

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.




Where do you normally live?

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.




Start and End Dates

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.




Travellers Ages

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




Travelling To Caution

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Residence Caution

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Blank Age Caution

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Blank Age Caution

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Min Age Zero Caution

Age cannot be zero.




Caution - Age Check


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.

Already travelling Caution

Please check already travelling checkbox.




Maximum duration Caution

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.




Maximum duration Caution

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.




Trip Type Maximum duration Caution

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.




World Wide Trip Maximum duration Caution

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.




Maximum Advance Booking Caution

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.




We're very 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.




Caution

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.




Start Date Caution

Please select the travelling start date.




End Date Caution

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.
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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.




Start Date Caution

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




COVID Cover

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.




Age Limit Exceeded

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.