Medical emergencies, cancelled flights, lost bags and delays — covered in 195 countries, with claims assessed by a real person and paid in an average of 3.2 days. No medical excess, no jargon, no arguing over small print.
Every plan includes 24/7 emergency assistance and zero medical excess. Pick the level that matches how you travel — switch or upgrade any time before departure.
Weekend breaks and domestic hops where the essentials are enough.
The all-rounder for beach holidays, city breaks and family trips abroad.
Long-haul, expedition and ski trips where nothing should be left to chance.
Rates shown are illustrative weekday prices for a 10-day trip, per person, and exclude the point-of-sale tax in your country of residence. Cover limits, exclusions and eligibility vary by destination and plan tier — the policy wording issued at purchase is the governing document.
Tap a region to see medical limits, assistance numbers and the destinations our travellers claim from most. Our assistance network has 61,000 vetted hospitals across these regions.
Showing all 20 featured destinations across 4 regions. Select a region above to filter.
Start a claim from your phone the moment something goes wrong — in an airport, a hospital or a hotel lobby. A named assessor picks it up within four hours, and 91% of claims are approved without a single phone call.
Open the claim from your phone or call the 24/7 helpline. Tell us what happened in your own words — no technical terminology, no forms to print.
Upload photos of receipts, tickets or reports straight from your camera roll. Everything is encrypted, and we only ever ask once for what is genuinely needed.
A named case manager is assigned within four hours and writes to you with a direct line. Complex medical claims are reviewed by our own clinicians, not an offshore call centre.
Approved claims are paid straight to your bank account or card. Emergency medical costs can be settled directly with the hospital, so you are not out of pocket at all.
Not because nothing went wrong — but because of what happened when it did.
“My daughter broke her wrist in Bali on day two. I called the helpline at 11pm, they found the clinic, guaranteed payment and arranged the transfer. We never saw an invoice and we were back on the beach by the next afternoon.”
Meiling Chow
Family cover · Bali, 12 days
Paid in 2 days
“Airlines cancelled my connection in Reykjavík and my gear never arrived. I uploaded two photos and a receipt from the airport shop. Claim approved the same evening — no phone calls, no arguing.”
Daniel Osei
Premium cover · Iceland, 8 days
Paid in 1 day
“I had to cancel a three-week Peru trip eleven days out when my father was hospitalised. Standard cover refunded the flights and two non-refundable lodges — every dollar of it, without me having to produce a novel of paperwork.”
Ayaka Mori
Standard cover · Peru, cancelled
Paid in 4 days
Talk to a real person — no bots, no hold music longer than a minute. Our advisors are licensed and can read the exclusion that matters straight to you.
Call the 24/7 helplineCover begins the moment your payment is confirmed and the policy certificate reaches your inbox — usually under two minutes. You can buy up to ten minutes before boarding. Cancellation cover applies from the moment of purchase, while medical and baggage cover start on your departure date.
Yes, for the 43 conditions on our screening list — things like recent cardiac events, active cancer treatment and insulin-dependent diabetes. Screening takes two minutes online and either adds a small premium or excludes that one condition. Undeclared conditions are the single most common reason claims get declined, so it is worth doing properly.
Standard cover pays 100% for illness or injury of you or a close relative, jury duty, a home made uninhabitable by fire or flood, and redundancy confirmed in writing. Premium adds "cancel for any reason" at 75% — useful when your plans depend on someone else's diary.
Standard and Premium include 32 graded activities as standard — hiking to 4,000m, sea kayaking, surfing, zip-lining, snorkelling and most skiing. Premium extends to off-piste skiing with a guide, diving to 30 metres and multi-day treks. Anything motorised, above 4,000m or over 30m underwater needs a quick call before you book.
Yes. Cancel within 14 days of purchase and, provided your trip has not started and you have not claimed, you get a full refund of the premium. After departure the refund is calculated on the unused portion.
Answer four questions and see your real premium. No email required to get a price, no advisor will call you unless you ask, and nothing is charged until you confirm.
Takes about two minutes. Illustration only — no payment taken here.
Demo calculator. Premiums, limits and regional factors shown are illustrative placeholders for this template and are not an offer of insurance.
