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We are only able to insure residents of the UK and Europe.

Please select your country of residence from the following:

  • United Kingdom
  • Andorra
  • Austria
  • Belgium
  • Bosnia-Herzegovina
  • Bulgaria
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Guernsey
  • Hungary
  • Iceland
  • Ireland
  • Isle of Man
  • Italy
  • Jersey
  • Kosovo
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Montenegro
  • Netherlands
  • North Macedonia
  • Norway
  • Poland
  • Portugal
  • Romania
  • San Marino
  • Slovak Republic
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
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Who is travelling?

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Where do you need cover?

Risks to avoid

Don't take risks

Sounds strange, but when we go away, we suddenly think we’re invincible! It may be due to the euphoria of travelling, maybe a few too many beers or peer pressure. Sure, if you go to Queenstown, you’ll have a go at Bungee Jumping, but don’t jump into a river from a great height thinking it’ll be fun when you’re in Vietnam. The water may only be a few inches deep!

Also, if you’re feeling ill, don’t start a big trek like the Inca Trail. The altitude will make you feel much worse very quickly and may result in you being helicoptered off the Inca Trail, airlifted to Lima and then all the way back home. Your trip is then over!(And yes, this happened!)

Avoid Scooters

OK, you can’t avoid them totally, but the accident levels in Asia and South America are eye-wateringly high. Our travel insurance covers you if you ride a motorcycle up to 125cc and you wear a crash helmet, but do be careful, and be especially careful of motorcycle taxis. If you ride a motorcycle at home, you probably already know that if you fall off, you’re always the loser. In parts of Asia, especially Vietnam and Cambodia, deaths due to scooter accidents are estimated to be many hundreds per month!

Keep a stash!

If you are robbed or lose your money belt, there is nothing worse than not having any money! Sure, you can claim your loss to your insurance company, but they won’t repay you today! So, keep one credit card and a $50 note hidden and separate from your main stash. Sellotaping a credit card between two pages in a guidebook is an idea. Local thieves never steal guidebooks!

Money Belts

When you’re travelling on trains, buses etc., put your passport, cash and cards in your money belt. No one will be able to steal them without you knowing.

Cash

There is no point in carrying more than $200 or so of cash at any one time. Just use your card and get more cash out of a cash machine.

Use the Safe

If there’s no safe in your room, there will be one in reception. Use it, and put your cash, cards and passport inside it, and your camera and laptop as well if you’re not using them. Then just go out in the day with a small amount of cash and one credit card.

Stay Alert

We get numerous claims where people have had their daysack or handbag stolen from right next to them when they’re eating in a restaurant or café, especially when sitting outside. Sure, put your belongings under the table, but secure it… maybe put a strap of your bag around your foot?

Don't look lost or look too flash!

If you’re standing on a street corner looking at your shiny iPhone 15 Pro Max, with your new camera around your neck, looking lost, you’re being looked at. Do a bit of research before you go out, and be circumspect if you do get lost, and act appropriately. Try to make this a habit, regardless of what country you’re travelling in.

Back to tips

Why choose True Traveller?

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In partnership with AXA
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Already Travelling Cover
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92 activities as standard
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24/7 emergency assistance
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Online claims
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One-way travel insurance
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Road and gadget cover
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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 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, 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, 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
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) | 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 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 (N) 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
Caving / Potholing (as part of a group, not ice; known routes only) Coasteering
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 (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 (8) (N) Water Skiing (Barefoot)
Ultimate Pack
Climbing (Ice) – No soloing. Hang Gliding
Mountaineering to 6,000M with (with ropes, picks or specialist climbing equipment). (N) Parachuting – More than 1 Jump | excludes Base Jumping
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.

(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 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.




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

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 are 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.




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.




Caution

Sorry, but since most 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 Goodtogoinsurance.com on 0330 024 9949 as they can insure persons aged 66 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.




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.




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.

Acne
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:
Bunions
Carpal Tunnel Syndrome
Cataracts
Coeliac Disease
Congenital Blindness
Congenital Deafness
Cystitis (providing there is no ongoing treatment)
Dry Eye Syndrome
Eczema
Enlarged Prostate (benign only)
Essential Tremor
Folate Deficiency
Gastric Reflux
Glaucoma
Goitre
Gout
Hiatus Hernia
Incontinence
Insulin Resistance
Irritable Bowel Syndrome (IBS)
Ligament or tendon injury (provided you are not currently being treated).
Macular Degeneration
Meniere's Disease
Migraine
Nocturnal Cramps
Osteopaenia
Osteoporosis
Pernicious Anaemia
Plantar Fasciitis
Raynaud's Disease
Sleep Apnoea
Sinusitis (providing there is no ongoing treatment)
Solar Keratosis
Tinnitus
Trigeminal Neuralgia
Trigger Finger
Underactive Thyroid (Hypothyroidism)
Varicose veins in the legs
Vitamin B12 Deficiency

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.




POLICY DEFINITION

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%
Clothing
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%
Cosmetics
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
Passports
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.