Purchasing

Can I buy this Insurance?

• Do I have to be British to buy this insurance?

  No, we can insure residents of the UK and Europe. Note it doesn’t matter what passport you hold either; if, for example, you hold an Australian passport but are now living in France, you can take out cover by choosing France as your residency when you take out a policy.

• What is the difference between Single Trip, Multi Trip and Backpacker Insurance?

  Single Trip policies are valid for a one trip which you intend to make, whether it be 7 days on a holiday to Spain, or 12 months or more travelling around the world. It’s a Single Trip, not a single country!

  Multi-Trip policies are designed for multiple trips from and back to your home country; useful for example if you have a winter sports holiday, a summer holiday and maybe the odd weekend abroad. The maximum duration of each trip, as far as we’re concerned, cannot exceed 30 or 70 days, depending on which policy you take out.

  In our case, Backpacker Insurance is the same as Single Trip, but other insurers may have a cut down version of their Single Trip policy to sell to "Backpackers".

• What countries are included in the Europe area?

  On our policy, the countries included within the Europe area of cover are Albania, Algeria*, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czechia, Denmark (including The Faroe Islands), Egypt*, England, Estonia, Finland including Lapland, France (including Corsica), Germany, Georgia*, Gibraltar, Greece (including Crete and all other Greek Islands in the Mediterranean), Hungary, Iceland, Ireland, Isle of Man, Israel*, Italy (including Sardinia, Sicily and all other Italian Islands in the Mediterranean), Jordan, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, North Macedonia, Northern Ireland, Norway (excluding the Arctic island of Jan Mayen and the archipelago of Svalbard), Poland, Portugal (including the Azores and Madeira), Romania, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain (including the Canary and Balearic Islands), Sweden, Switzerland, Tunisia*, Turkey*, Ukraine*, Wales, and Vatican City State.

  Note the countries indicated with * currently have "Advise against all travel" warnings issued against some regions within those countries, issued by the UK Foreign Office. If you travel to the areas where there is this warning, then there is no cover available to you at all. You can check the areas affected just by visiting https://www.gov.uk/foreign-travel-advice.

  Note due to a blanket "Advice against all travel" warning to the whole of Belarus, Lebanon, Libya, Russia and Syria, we currently cannot offer any cover at all for travel to these countries.

• Can I take out this travel insurance if I've already started travelling?

  If 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. As a fraud prevention measure, no claims will be accepted within 48 hours of a policy being taken out, with the exception of course of you sustaining a serious injury in connection with an accident.

  If you have been outside of your home country for a long period of time, you may not have any access to your State Healthcare anymore. For example, British Passport holders who have been living and working outside of the UK for more than 5 years consecutively lose their entitlement to NHS services. So, in these circumstances, a travel insurance policy will not be valid, so you should source International Private Health Insurance instead.

• Can I take out another policy whilst I'm still travelling?

  Yes. If you’re not entirely sure how long you’ll be away, you can, for example, take a policy for three months, and then take out an extension policy for a further two months, giving you a total duration of five-months. The cost of an extension policy will be the regular cost for the new period of insurance, less 10%. Note however you only get the discount if your new period of cover is equal to or less than your current policy.

  In common with most forms of insurance, the longer the contract is for, the lower the daily rate becomes. So, one five-month policy will be cheaper than a three-month policy, followed by another two-month policy. So do take this into consideration when choosing the length of your policy.

  Please go to our Extend your Insurance page for further information. Note if your insurance has expired already, we cannot do this, and you will have to purchase a new policy.

• I'm going on a One-Way journey. Will this insurance cover me?

  Yes. If, for example, you are travelling for 3 months and eventually settling in Australia, just take out a 3-month policy and it will expire after 3 months or when you arrive at your final destination if this is earlier. Also, if you're off on an extensive Backpacking trip and only have a one-way ticket and you haven't got your return ticket as yet, you can take out as much as 18 months cover (12 months if you’re aged over 50) and that will last until the end of your 18 months. If you're going to travel then for even longer, you can take out another policy to cover you for your on-going travel. Once you arrive at your final destination the insurance will cease.

• I have a pre-existing medical condition. Can I buy your insurance?

  When you apply for cover online, you can declare any medical conditions which you may have, and you may have to pay an additional premium to cover those. Please do declare all your medical conditions, but please be reassured that some common conditions, for example mild Asthma, will not attract any extra premium.

  Declaring a medical condition does not mean your travel insurance will pay for the ongoing treatment you normally have to control that condition but may cover urgent medical expenses if there’s an unexpected change or deterioration in that condition.

  In some circumstances, we may not be able to cover a medical condition, and if that happens for UK residents, we will refer you to the Money Helper website, as they have a section of specialist insurers who may be able to insure for your condition. For European residents, we suggest you contact your local AXA office for help.

• I’m pregnant. Will your insurance cover me?

  Travel insurance for pregnant women provides the same amount of cover as any other travel insurance, including medical expenses, medical repatriation, personal liability, lost and stolen luggage, and flight cancellation. It's important to note that your travel insurance will only cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip, excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery. Your travel insurance will not cover routine treatments associated with pregnancy.

  Please ensure you are travelling with the consent of your Doctor and with your airline.

• I'm 65 years old. Can I buy this Insurance?

  Yes. This insurance is valid for people aged at the time of taking out the policy up to 65 years of age for our Single Trip and Annual Multi-Trip Policies. Unfortunately, as our policies are predominately for Adventurous Activities, we cannot offer rates for persons aged 66 or more.

  For residents of the UK, we suggest you contact Goodtogoinsurance.com on their website here, or you can call them on 0330 024 9952. 

  Goodtogoinsurance.com is a trading name of Ancile Insurance Group who are authorised and regulated by the Financial Conduct Authority - No. 471641

  For European residents, we suggest you contact your local AXA Insurance office for assistance.

• Your Insurance only goes up to 18 months, and I need more than that. Can you help?

  We can arrange cover for 24 months in one go for Worldwide including USA & Canada if you need this to satisfy the Working Holiday (IEC) Visa requirements for Canada. For all other journeys, you can apply from the beginning for 18 months, and then you can extend by up to 12 months at a time if you’re still travelling. Persons aged 50 or more can only apply for cover for 12 months at any one time.

• I may get a job when I’m away. Will this insurance cover me?

  On our policies, non-manual/clerical work is included as standard, and this even extends to working as a classroom teacher or assistant, au pair, nanny, child-minder bar and restaurant work. If you’re going to be doing Manual Labour on your trip, choose the Adventure Activity Pack when you take out your cover. This will then cover you for 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.

• Can I do Volunteer work?

  Once again, if you take the Adventure Pack, this will allow you to participate in community or wildlife based conservation/project work when arranged by a professional organisation. It will also cover community/charity based supervised building or renovation projects or other Manual Work again provided the activity doesn’t 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.

• How can I pay for my insurance?

  Every customer may pay online with Mastercard, Maestro or Visa, either directly with your card or using Apple Pay or Google Pay. Sofort and Przelewy24 (P24) are also available for some European residents. There's also the opportunity to pay by bank transfer for some EU countries.

  For residents of the United Kingdom, the Isle of Man and the Channel Islands, premiums are displayed in Pounds Sterling (£), and payment is deducted in Pounds Sterling from your payment card. For residents of the rest of Europe, premiums are displayed in Euros (€), and payment is deducted in Euros from your payment card or bank.

  If you use a foreign registered card, your credit card company will use their own exchange rate to convert it to the currency of your card. Generally, they use the interbank rate plus about 3%, which is roughly the same rate as you would get at a bureau de change. Check with your card issuer if you’re not sure though!

• How long does it take to receive my insurance documents?

  When you complete your insurance application and your payment has gone through, you can then immediately download your Validation Certificate. We will also email you your Certificate, both to the traveller and the person who paid for the insurance if they differ.

  You can also download a pass showing your insurance details to digital wallet on your smart phone.

• Am I covered by this insurance for trips within my home country?

  If you have a trip booked within your home country which involves a minimum of 2 nights pre-booked transport or accommodation, then your travel insurance will cover you. Do note medical and baggage cover is inoperable for trips within your home country.

  Remember, True Traveller is a travel insurance policy, so it's only valid when you're travelling, and is not private health insurance.