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Who is travelling?


Where do you need cover?

Rated 5 Star
on Reviews.io

Designed by
True Travellers

Available if you’re
already abroad

Single and
multi-trip cover

Privacy Policy

The True Traveller Limited, trading as True Traveller ("we", "us", "our"), is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom to provide travel insurance services and products.

We also hold a "passport" which permits us to run permitted activities in all states within the EEA. The EEA states are Austria, Belgium, Bulgaria, Croatia, Cyprus (Republic of), Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

Our webserver is PCI Compliant, which means it has undergone rigorous testing to ensure it meets the high standards of The Payment Card Industry Data Security Standard (PCI DSS) to ensure that we process and transmit your card details securely.

We use WorldPay as our payment partner, and they process your payments on our website. We do not store any of your card details on any of our systems.

Who is the data controller?

A data controller is the individual or legal person who controls the use of the data and is responsible for keeping it safe. The laws apply to personal data in both paper and electronic files. True Traveller is the data controller as defined by relevant data protection laws and regulations.

We are registered with the Information Commissioners Office in the United Kingdom on the Data Protection Register, and our registration number is Z2475562.

What personal data we collect

Depending on the type of insurance product or service we provide to you, we will collect and process various types of personal data about you whether you apply for your insurance online or by phone to our call centre:

surname, first name


place of residence

date of birth (which may be required for fraud detection purposes)


telephone numbers

email address

your location from the IP address of your computer

credit/debit card numbers are collected and transmitted to WorldPay but are not stored or retained.

Recording of telephone calls

We may record your telephone calls you make to our offices to:

check for mistakes

train staff

compliance purposes

We do this in the interests of offering a good service. If you object to this, you will need to end the call when you are told that calls may be recorded. If any credit card number are taken over the telephone, our consultant will advise you that the call recording has been stopped, and then you will be advised that the call recording has been re-started once we have your card details.

Online Chat

During office hours, on our website we operate an online chat system provided by clickdesk.com (opens in a new window - please note that we are not responsible for the content of external websites). This is purely to answer questions you may have about our insurance, but we cannot quote premiums or take payment over this medium. We do collect your name and email address, but this is only taken to enable us to send you an email transcript of the conversation.

What we do with your personal data?

We collect and use the personal data that you provide to us and that we receive about you (as explained below) for a number of purposes. We provide more information in the following table:

Purpose Do we need your express consent?
the administration of products (for example, providing quotes, sending details of cover, handling claims) no
to administer debt recoveries no
fraud prevention and detection no
to meet any legal obligations (for example, tax, accounting and administrative obligations) no
to enhance, modify, personalise or otherwise improve our services/communications for the benefit of our customers no
to enhance the security of our networks and information systems no
to better understand how customers interact with our websites no
to determine the effectiveness of our promotional campaigns and our advertising no

We will process personal data we receive about you from third parties such as brokers and business partners, other insurers and fraud prevention agencies.

We will process your personal data where it is necessary for us to comply with our contractual obligations to you, or where we need to take pre-contractual steps at your request.

We will process your personal data where necessary for the purposes of our legitimate interests. “Legitimate interests” means the interests of our company in conducting and managing our business to enable us to give you the best service/products and the best and most secure experience. For example, we may process your information to protect you against fraud when transacting on our website and to ensure that our websites and systems are secure. When we process your personal information for our legitimate interests, we make sure that we consider and balance any potential impact on you and your rights under data protection laws. Our legitimate business interests do not automatically override your interests –we will not use your personal data where our interests are overridden by the impact on you (unless we are required or permitted by law).

Special category data is personal data which is regarded as more sensitive and so needs greater protection, such as medical records. In the event of a medical emergency, we may need to share this information with selected third parties such as doctors and hospitals. In such circumstances, where necessary to protect your health, we will process and share such data either with your explicit consent or, where we this is not possible, we will do so to protect your vital interests.

We will need your personal data and use it for the purposes described above if you would like to buy our products and services. If you do not wish to provide this to us, we may not be able to provide the products and services to you.

Who will have access to your personal data?

We will ensure that your personal data is processed in a manner that is compatible with the purposes indicated above.

For the reasons stated above, your personal data may be disclosed to the following parties who operate as third-party data controllers depending on the type of policy you have bought from us:

our Underwriter, Millstream Underwriting Limited, our insurer, Allianz Global Assistance, industry governing bodies, regulators, fraud prevention agencies and claims databases, for underwriting and fraud prevention purposes;

our 24-hour Emergency Medical Assistance Service, Intana Global Limited (for all policies taken out up to 31 March 2019), and CEGA Group Services Limited (for all policies taken out from 1 April 2019), doctors and other health professionals in the event of a medical emergency; airline companies in the event of repatriation;

our claims service, Claims Settlement Agencies Limited (for all policies taken out up to 31 March 2019), and CEGA Group Services Limited (for all policies taken out from 1 April 2019) for the settlement of nonemergency claims such as cancellation or baggage claims

We do not share your personal data with non-affiliated third parties for marketing purposes without your permission.
Finally, we may share your personal data in the following instances:

in the event of any contemplated or actual reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in any insolvency or similar proceedings); and

to meet any legal obligation, including to the Financial Ombudsman Service if you make a complaint about the product or service we have provided to you.

Where will your personal data be processed?

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorised to receive it.

What are your rights in respect of your personal data?

Where permitted by applicable law or regulation, you have the right to:

access the personal data held about you and to learn the origin of the data, the purposes and ends of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed;

withdraw your consent at any time where your personal data is processed with your consent;

update or correct your personal data so that it is always accurate;

delete your personal data from our records if it is no longer needed for the purposes indicated above;

restrict the processing of your personal data in certain circumstances, for example where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy;

obtain your personal data in an electronic format for you or for your new insurer; and

file a complaint with us and/or the Information Commissioner’s Office.

You may exercise these rights by contacting us as detailed below

How can you object to the processing of your personal data?

You have the right to object to us processing your personal data, or tell us to stop processing it. Once you have informed us of this request, we shall no longer process your personal data unless permitted by applicable laws and regulations.

You may exercise this right in the same manner as for your other rights indicated above.

How long do we keep your personal data?

We will retain your personal data for a maximum of seven years from the date the insurance relationship ends. If we can do so we will delete or anonymise certain areas of your personal data as soon as that information is no longer required for the purposes for which it was obtained.

Automated decision making, including profiling

We may use automated decision making, including profiling, to assess insurance risks, detect fraud, and administer your policy. This helps us to decide whether to offer the insurance and determine prices.

For example, when you buy a travel insurance product, we carry out automated decision making. We may accept or reject a potential policyholder for cover based on their age. We do not offer insurance for customers aged 66 or more. If accepted, the automated calculation of a person’s age may be used to calculate the premium payable.

If you have any concerns regarding the decision reached, please let us know at the contact details set out below and we will arrange for a person to check the accuracy of the result.

How we use cookies

True Traveller only ever uses any customer data it receives to carry out the services for which customers have signed up. In no way will your details be passed to third parties for any other marketing activities.

We use tracking software to monitor customer traffic patterns and site usage to help us develop the design and layout of the site. This software does not enable us to capture any personal identity information.

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

To get the most out of our website, your computer, tablet or mobile phone will need to accept cookies. However, you can restrict, block or delete cookies at any time by changing the cookie preferences in your browser.

Each browser is different, so please consult the 'Help' menu of your browser (or your mobile phone / tablet's manual) to find out how to change your cookie preferences. Many browsers have universal privacy settings for you to choose from. To learn more about cookies in general and how to manage them, please visit aboutcookies.org (opens in a new window - please note that we are not responsible for the content of external websites).

For a list of cookies used on our website, please click the button below

Links to other websites

Our website may contain links to other websites run by other organisations which we do not control. This policy does not apply to those other websites and Apps‚ so we encourage you to read their privacy statements. We are not responsible for the privacy policies and practices of other websites and Apps (even if you access them using links that we provide) and we provide links to those websites solely for your information and convenience. We specifically disclaim responsibility for their content, privacy practices and terms of use, and we make no endorsements, representations or promises about their accuracy, content or thoroughness. Your disclosure of personal information to third party websites is at your own risk.

In addition, if you linked to our website from a third-party website, we cannot be responsible for the privacy policies and practices of the owners and operators of that third-party website and recommend that you check the policy of that third party website.

How can you contact us?

If you have any queries about how we use your personal data, you can contact us as follows:

By post: Data Protection Officer, The True Traveller, 6 Drakes Courtyard, Kilburn High Road, London NW6 7JR.

By telephone: 0333 999 3140

By email: [email protected]

We will need details of your name, email address, policy number, and purpose of your request.

How often do we update this privacy notice?

We regularly review this privacy notice. This privacy notice was last updated in November 2020.

Cookies on True Traveller

We use cookies and similar technologies, such as HTML5 web storage and local shared objects (all referred to as 'cookies' below), to record the preferences of users and optimise the design of its websites. They make navigation easier and increase the user-friendliness of a website.

We do not use cookies to:

Collect any personally identifiable information (without your express permission)

Collect any sensitive information (without your express permission)

Pass personally identifiable data to third parties

We categorise cookies as follows:

Essential cookies

These cookies are essential for websites and their features to work properly. Without these cookies, we wouldn’t be able to provide any services to you. There is no way to prevent these cookies being set other than to not use our site.

Functional cookies

These cookies enable us to improve the usability and performance of websites and to provide various features. Functional cookies can include our online Chat system, for example.

Performance cookies

These cookies collect information about how you use websites. Performance cookies help us, for example, to identify especially popular areas of our website. In this way, we can adapt the content of our websites more specifically to your needs and thereby improve what we offer you. These cookies do not collect personal data. We use Google Analytics to measure this information.

Third-party cookies

These cookies are installed by third parties, e.g. social networks and advertising. Their main purpose is to integrate social media content on our site, such as social plugins, and to re-target you with advertising from us.

Essential cookies

This cookie allows our web server to respond to your actions while you are browsing the website.
The website wouldn't work for you without it.
More Information: This cookie is deleted when you close your browser.

The cookie is set by CloudFlare. The cookie is used to identify individual clients behind a shared IP address and apply security settings on a per-client basis. It does not correspond to any user ID in the web application and does not store any personally identifiable information.
More Information: This cookie is deleted after 29 days.

Functional cookies

all_RyDwsSBXVzZXJzGNjBn- YCDAag9zfmNsaWNrZGVza2No YXRyGQsSD3Byb2Fjd Gl2ZV9ydWxlcxiAxurmAg wonce_per_daynull
This cookie allows Click Desk, our Live Chat service, to work when you come onto our website.
More Information: This cookie is deleted after 24 hours.
all_RyDwsSBXVzZXJzGNjBn- YCDA-cd_pubnub_visitor
This cookie allows Click Desk to tell us that you want to chat with us.
More Information: This cookie is deleted when you close your browser.
all_RyDwsSBXVzZXJzGNjBn- YCDA-site_visit_time
This cookie allows Click Desk to tell us what time you asked to chat with us.
More Information: This cookie is deleted when you close your browser.
all_RyDwsSBXVzZXJzGNjBn- YCDA-visit_count
This cookie allows click desk to tell us when your chat has been completed.
More Information: This cookie is deleted when you close your browser.
This cookie just controls the Cookie Policy pop-up which appears on our site when you first come to our website.
More Information: This cookie is deleted after 24 hours.

Performance cookies

This Google Analytics cookie is distinguishing a user on our website, rather than a spider or a bot.
More Information: This cookie is deleted after 2 years.
This Google Analytics cookie follows your route through our website, so we can see which pages you looked at, and for how long.
More Information: This cookie is deleted after 24 hours
This Google Analytics cookie is used to throttle the request rate.
More Information: This cookie is deleted after 24 hours.
This cookie keeps a track of special fonts used on the website for internal analysis.
More Information: This cookie is deleted when you close your browser.

Third-party cookies

This is a Google cookie which is deployed if you opt in to leave a Google Review on our service at the end of a purchase.
More Information: This cookie is deleted after 30 days
This is a Google cookie which tells us if you telephoned us from one of our adverts on their advertising network
More Information: This cookie is deleted after 90 days.
This is a Facebook cookie which may be used to serve adverts about us to your Facebook profile page.
More Information: This cookie is deleted after 3 months.

Links for Privacy Policies:


Why choose True Traveller?

Insured by Allianz
Already Travelling Cover
92 activities as standard
24/7 emergency assistance
Optional baggage cover
One-way travel insurance
Road and gadget cover
Activity and high risk cover

Trusting your insurer

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?

Our Insurer

Your True Traveller Policy is insured by AWP P&C S.A., trading as Allianz Global Assistance, part of the Allianz Group, one of the world’s largest insurance companies.


According to Forbes Magazine, Allianz is even bigger than Alphabet, the company which owns Google and YouTube, so you’ll be in good hands!

Already Travelling – No Problem

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.

92 Activities as standard

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.

24/7 Medical Assistance Service

If you have an accident on your trip and end up in Hospital, we have a team at CEGA Assistance who have 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 7660 1505, or if you’re in the USA or Canada, you can also call toll free on 1 800 961 9870.

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 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
Clay pigeon shooting Cricket
Croquet Cruising (Cruise Ship)
Curling Cycling (incidental to the trip)
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
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 Parachuting (1 jump)
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)
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 Safari Bicycle Polo
Black Water Rafting (grades 4-5) Bouldering – No soloing
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)
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) 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 (off road/ cross country)
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) – No soloing/ Sea Cliff/ Ice Climbing/ Big wall climbing Roller Hockey
Sailing (outside coastal waters) Scuba Diving (up to 40 metres in depth)
Shark Cage Diving Spearfishing
Trekking up to 4,600 metres Trekking up Mt. Kilimanjaro (5)
Triathlon to Middle Distance /Half Ironman Via Ferrata
Volunteering (6) Water Skiing/ Wakeboarding/ Wake Skating (No jumping)
White Water Rafting (grades 4-5) Zorbing
Extreme Pack
American Football Australian Rules Football (AFL)
Caving / Potholing (as part of a group, not ice; known routes only) Cycle Racing/ Time Trial
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) Kite Wing (land, water only)
Motorcycling/Trail Biking (off-road under 250cc) (7) – No Motorcycle Touring Mountain Biking (using downhill trails and/or mechanical lifts)
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 (except Mt. Kilimanjaro - see Adventure activity pack) (8)
Water Skiing (Barefoot)
Ultimate Pack
Climbing (Ice) – No soloing. Hang Gliding
Mountaineering to 6,000M – No cover for free mountaineering, climbing in remote of inaccessible regions, exploratory expeditions or new routes. Parachuting – More than 1 Jump
Paragliding/Parapenting Parasailing/Parascending
Polo/Polocrosse Sea Cliff Climbing – No soloing
Powerbocking 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.

(5) Note Mt. Kilimanjaro is included within the Adventure pack, even though the summit, Uhuru Peak, is at an altitude of 5,895 metres, due to the level of claims experience. For all other treks over 4,600 metres, the Extreme activity pack must be selected.

(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.

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 an EEA Country 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 FAQ’s 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?

Please select one of the options of your Country of Permanent Residence.

Your Country of Permanent Residence is the country where you:

Note due to the United Kingdom leaving the European Union, and the EU not providing financial equivalence to the UK, we have had to temporarily suspend sales to permanent residents of the EEA. If you already hold a policy with us, your policy will continue as normal. Only new sales are affected, not the performance of existing policies.

Our application to become authorised by the Malta Financial Services Authority has been delayed due to unforeseen circumstances beyond our control, but we are expecting this process to be completed by February 2021, when again we will be able to arrange sales to all permanent residents of the EEA.

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 you expect to return home, or the date you expect to reach your destination if you 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

Please select where you are travelling to.

Residence Caution

Please choose your country of residence.

Blank Age Caution

Please enter your age.

Blank Age Caution

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

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 a parent or legal guardian on behalf of the child to be insured.

Already travelling Caution

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.

Maximum duration Caution

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.

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.


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.

For residents of the UK, we recommend you telephone International Travel and Healthcare on Freephone 0800 848 8448 as they can insure persons aged 66 and above. You can also get an online quote by clicking here.

International Travel and Healthcare is authorized and regulated by the Financial Conduct Authority (FRN 433367).

Start Date Caution

Please select the travelling start date.

End Date Caution

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.

Start Date Caution

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

Cover for Coronavirus

All new True Traveller policies now include medical, cancellation and curtailment cover for Coronavirus, subject to there being no Foreign, Commonwealth & Development Office (FCDO) travel warning for Coronavirus for the country or area you are travelling to.

The FCDO list all countries on their Travel Advice page. Just select the Country you are travelling to, and if there is an “all but essential travel warning for COVID-19” shown at the top of the summary, this means your True Traveller policy has no cover for Coronavirus but will provide you with medical cover in relation to any other sudden unexpected illness or accident, as well as cancellation and curtailment cover for an event unrelated to Coronavirus.

For further information about the Coronavirus and your True Traveller policy, please click here.

Automatically Covered Pre-existing Medical Conditions

If you have any of the pre-existing medical conditions listed below you are automatically covered on this insurance and you do not need to declare any of these conditions.

Provided the following requirement is met, the list of automatically covered medical conditions are:

Note your travel insurance will not pay for any medication or treatment which may be required to be continued during your trip to control any of these Automatically Accepted Pre-Existing Medical Conditions, for example the costs of Inhalers if you suffer from Asthma, or the cost of your regular check-ups you may need to have to monitor Diabetes. However, your travel insurance will cover the cost of any emergency medical treatment which may be required because of a change in your condition.

Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance and Hay Fever
Arthritis (the affected person must be able to walk independently at home without the use of mobility aids)
Asthma, providing that you:
  • have no other lung disease
Bell's Palsy
Benign Positional Vertigo
Breast Cancer/Prostate Cancer provided you:
Carpal Tunnel Syndrome
Coeliac Disease
Congenital Blindness
Congenital Deafness
Cystitis (providing there is no ongoing treatment)
Diabetes Mellitus and/or Diabetes (Type 1)*, providing that you:
Diabetes Mellitus (Type 2), providing that you:
Dry Eye Syndrome
Enlarged Prostate (benign only)
Essential Tremor
Folate Deficiency
Gastric Reflux
Hiatus Hernia
If you suffer from more than one of the following three conditions, you must complete the online medical screening and declare all conditions.
Hypercholesterolaemia (High Cholesterol)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
Hyperlipidaemia (High Blood Lipids)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
Hypertension (High Blood Pressure)*, provided that you do not also suffer from a known Cardiovascular Disease and/or Diabetes
Insulin Resistance
Irritable Bowel Syndrome (IBS)
Ligament or tendon injury (provided you are not currently being treated).
Macular Degeneration
Meniere's Disease
Nocturnal Cramps
Pernicious Anaemia
Plantar Fasciitis
Raynaud's Disease
Sleep Apnoea
Sinusitis (providing there is no ongoing treatment)
Solar Keratosis
Trigeminal Neuralgia
Trigger Finger
Underactive Thyroid (Hypothyroidism)
Varicose veins in the legs
Vitamin B12 Deficiency

*Diabetes (Type 1), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for Cardiovascular Disease. If you have a history of Cardiovascular Disease and it’s a pre-existing medical condition, then you must declare these conditions online.


The policy definition of an Immediate Relative is Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister.

Depreciation Guide

The following is the guide our claims handlers use on settling claims for lost, stolen or damaged articles:

Item & Depreciation Guide
Bags/suitcases,"High street” jewellery, items containing semi-precious metals or stones, cosmetic jewellery such as cubic zirconia and "everyday" watches and any other miscellaneous items.
Age of item(s) Depreciation Level
0 - 12 months 0%
1 - 2 Years 10%
2 - 3 Years 20%
3 - 4 Years 30%
4 - 5 Years 40%
Then an additional 10% for each year. Over 11 years old the depreciation level is 100%
Age of item(s) Depreciation Level
0 - 12 months 0%
1 - 2 Years 10%
2 - 3 Years 30%
3 - 4 Years 50%
4 - 5 Years 70%
Over 5 Years 100%
Ski Equipment
Age of item(s) Depreciation Level
0 - 12 months 0%
1 - 2 Years 25%
2 - 3 Years 50%
3 - 4 Years 75%
Over 4 Years 100%
Age of item(s) Depreciation Level
0 - 6 months 0%
6 - 12 months 50%
Over 12 months 100%
Electrical valuables e.g. Laptops, Tablets, Computers, Kindles, Mobile Phones & Cameras
Age of item(s) Depreciation Level
0 - 12 months 0%
1 - 2 Years 25%
2 - 3 Years 50%
3 - 4 Years 65%
4 - 5 Years 80%
Over 5 Years 100%
Quality Jewellery (18ct and 22ct gold, diamonds, sapphires, rubies etc) and watches such as Rolex, Omega, Breitling etc.
No Deduction made
Pro-Rata Replacement Costs

So, if your camera cost you £250 and it’s under a year old (and you have relevant receipts for it, or other proof of ownership), you can claim for £250 (less any excess unless you have the excess waiver). If, however, it’s between two to three years old, you’ll only be able to claim £125 (as there’s a 50% deduction for wear and tear), but if it’s over five years old, any claim would fail.