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.
Designed for travellers aged under 40, and for last minute travellers and backpackers
Our most popular, and is designed for holiday makers and adventure travellers alike
Designed for travellers who are looking for enhanced medical and cancellation cover
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.
As standard we cover 92 activities which you may do and includes non-manual work. The Adventure Pack covers a further 41 activities for the more adventurous traveller, including trekking to 4,600m. We also have Extreme and Ultimate Packs. The Extreme covers trekking to unlimited altitudes, rugby and potholing amongst other activities, and the Ultimate Pack can cover Ice Climbing, Parachuting, Hang Gliding; even Powerbocking!
The True Traveller was originally a travel company, not an insurance company, and although we believe we’ve designed the best value insurance we possibly can, we understand that the price of insurance does put people off taking it out to start with. Our maxim is, if you can’t afford travel insurance, you can’t afford to travel.
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, and you previous insurance has run out, or you simply forgot before you left to take out travel insurance, you can simply apply online and get cover immediately.
Do however note, if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then we can’t help. Insurance is there to assist you in the event that something may happen, not for things which have already happened.
Your Traveller Policy includes 92 activities as standard, which includes Bungee Jumping, Horse Riding, Safari Touring, Scuba diving to 18M and lots more activities you may end up partaking in on your trip. We even include non-manual work if you’re on a Working Holiday, and include bar and restaurant work as well.
We have our Adventure, Extreme and Ultimate Activity Packs you can select when you apply for your Insurance with us, which covers even more activities, to even include Rock Climbing, Trekking to unlimited altitudes as well as light manual labour again if you’re on a Working Holiday.
If you have an accident on your trip and end up in Hospital, AXA Assistance has a team of multi-lingual staff and medical professionals on duty, 24 hours a day, 7 days a week.
You can call them from overseas on +44 20 7985 7446, or if you’re in the USA or Canada, you can also call toll free on 1 800 986 6380.
They will be able to assist you and get your medical bills paid, and in cases where it’s medically necessary, arrange to fly you back home for further medical attention.
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 your insurance has run out, you may take out cover online with us for Single Trip policies. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Obviously, this insurance will not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim. Note, purely as an anti-fraud measure, there is no cover in the first 48 hours after you’ve taken out your policy, except of course in the case where you suffer an injury as a result of an accident.
Please note if you are already travelling, you MUST select this option otherwise your Policy is not valid.
If I take out Insurance and get ill, where will I get repatriated to?
In the unlikely event of this happening, you will be repatriated back to your home country as long as the appropriate geographic premium has been paid and it has been agreed by the 24 hour Emergency Medical Assistance Service.
Please Note: The above FAQs are subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.
Your Country of Residence is the country where you:
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.
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.
Please check already travelling checkbox.
Important Notice
We can offer travel insurance for you if you've left home and already travelling but only on the strict understanding that nothing has already happened which has led to a claim or may lead to a potential claim.
This means, for example, that if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then this policy will not pay for any part of any claim, and any claim attempted in such situations may be treated as fraud, which is a criminal offence.
To prevent fraudulent claims, cover will not commence until 48 hours after the policy has been purchased, and any illness or injury occurring in this waiting period will be considered a pre-existing condition and will not be covered. However, should you suffer a serious injury in an accident in this 48-hour period, which is verifiable by an Independent Witness, then you will be covered from the date cover commenced.
Note there is no 14-day cooling off period when already travelling overseas so no refund of premium will be made in the event you cancel the policy.
Sorry, the maximum length of a policy you can have is limited to 366 days if you are 50 years or age or more. Please amend your End date to in order to get a quote.
Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.
Sorry, the maximum length of a policy you can have is limited to 548 days 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.
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.
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.
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.
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.
The following is the guide our claims handlers use on settling claims for lost, stolen or damaged articles:
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.