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Europe
The continent of Europe west of the Ural Mountains, including its neighbouring islands and non-European countries bordering the Mediterranean as well as the United Kingdom, Channel Islands and Isle of Man (excluding Algeria, Lebanon, Libya, Israel and Jordan).

Australia and New Zealand
These policies will cover you for trips to Australia and New Zealand and include a free 24 hour transfer each way anywhere in the world.

Worldwide excluding the USA, Canada and the Caribbean Islands
Anywhere in the world apart from the USA, Canada, the Caribbean, Afghanistan, Cuba, Liberia or Sudan.

Worldwide including the USA, Canada and the Caribbean Islands
Anywhere in the world apart from Afghanistan, Cuba, Liberia or Sudan.

Please note:
- No cover is provided under this policy for any trip in, to or through Afghanistan, Cuba, Liberia or Sudan.
- No cover is provided for claims resulting from you travelling to a specific country or to an area where the Foreign and Commonwealth Office have advised against all but essential travel.