At Insurancewith, we split destinations into a number of different brackets, and you’ll need to select the correct bracket to ensure you’re covered during your trip. If your countries fall into different categories, you will need to choose the one that will cover them all. For example, if you are travelling to Spain and Japan, you will need to choose Worldwide 3, as this is the category that has ‘yes’ for both destinations.
We have these brackets:
Please see below for full information on which countries are covered under which brackets.
Please note that none of our policies provide cover for countries or areas which the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel to (including advised against all but essential travel). You can check your destination’s FCDO advice here.
^Please note, any destinations marked with a ‘^’ require the optional cruise extension to be purchased for the right cover to be applied to your policy.
| Country | Europe 1 | Europe 2 | Europe 3 | Worldwide 1 | Worldwide 2 | Worldwide 3 | Worldwide 4 | Worldwide 5 |
|---|---|---|---|---|---|---|---|---|
| AbuDhabi | Yes | Yes | Yes | |||||
| Afghanistan | Yes | Yes | Yes | |||||
| Åland Islands | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Albania | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Algeria | Yes | Yes | Yes | Yes | ||||
| American Samoa | Yes | Yes | Yes | Yes | ||||
| Andorra | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Angola | Yes | Yes | Yes | Yes | ||||
| Anguilla | Yes | Yes | ||||||
| Antarctica | Yes | Yes | ||||||
| Antigua and Barbuda | Yes | Yes | ||||||
| Argentina | Yes | Yes | Yes | Yes | ||||
| Armenia | Yes | Yes | Yes | Yes | ||||
| Aruba | Yes | Yes | ||||||
| Ascenion Island | Yes | Yes | Yes | Yes | ||||
| Australia | Yes | Yes | Yes | Yes | Yes | |||
| Austria | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Azerbaijan | Yes | Yes | Yes | |||||
| Azores | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Bahamas | Yes | Yes | ||||||
| Bahrain | Yes | Yes | Yes | |||||
| Bali | Yes | Yes | Yes | |||||
| Bangladesh | Yes | Yes | Yes | |||||
| Barbados | Yes | Yes | ||||||
| Belarus | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Belgium | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Belize | Yes | Yes | ||||||
| Benin | Yes | Yes | Yes | Yes | ||||
| Bermuda | Yes | Yes | ||||||
| Bhutan | Yes | Yes | Yes | |||||
| Bolivia (Plurinational State of) | Yes | Yes | Yes | Yes | ||||
| Bonaire, Sint Eustatius and Saba | Yes | Yes | ||||||
| Bosnia and Herzegovina | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Botswana | Yes | Yes | Yes | Yes | ||||
| Bouvet Island | Yes | Yes | Yes | Yes | ||||
| Brazil | Yes | Yes | Yes | Yes | ||||
| British Indian Ocean Territory | Yes | Yes | Yes | Yes | ||||
| British Virgin Islands | Yes | Yes | ||||||
| Brunei Darussalam | Yes | Yes | Yes | Yes | ||||
| Bulgaria | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Burkina Faso | Yes | Yes | Yes | Yes | ||||
| Burma | Yes | Yes | Yes | |||||
| Burundi | Yes | Yes | Yes | Yes | ||||
| Cambodia | Yes | Yes | Yes | |||||
| Cameroon | Yes | Yes | Yes | Yes | ||||
| Canada | Yes | Yes | ||||||
| Canary Islands | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Cape Verde | Yes | Yes | Yes | |||||
| Cayman Islands | Yes | Yes | ||||||
| Central African Republic | Yes | Yes | Yes | Yes | ||||
| Chad | Yes | Yes | Yes | Yes | ||||
| Chile | Yes | Yes | Yes | Yes | ||||
| China | Yes | Yes | Yes | |||||
| China, Hong Kong Special Administrative Region | Yes | Yes | Yes | |||||
| China, Macao Special Administrative Region | Yes | Yes | Yes | |||||
| Christmas Island | Yes | Yes | Yes | Yes | ||||
| Cocos (Keeling) Islands | Yes | Yes | Yes | Yes | ||||
| Colombia | Yes | Yes | Yes | Yes | ||||
| Comoros | Yes | Yes | Yes | Yes | ||||
| Congo | Yes | Yes | Yes | Yes | ||||
| Cook Islands | Yes | Yes | Yes | Yes | ||||
| Corsica | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Costa Rica | Yes | Yes | ||||||
| Côte d’Ivoire | Yes | Yes | Yes | Yes | ||||
| Croatia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Cruise Baltic ^ | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Cruise Caribbean ^ | Yes | Yes | ||||||
| Cruise European ^ | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Cruise Med ^ | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Cruise Worldwide ^ | Yes | Yes | ||||||
| Cuba | Yes | Yes | ||||||
| Curaçao | Yes | Yes | ||||||
| Cyprus | Yes | Yes | Yes | Yes | ||||
| Czechia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Democratic People's Republic of Korea | Yes | Yes | Yes | |||||
| Democratic Republic of the Congo | Yes | Yes | Yes | Yes | ||||
| Denmark | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Djibouti | Yes | Yes | Yes | Yes | ||||
| Dominica | Yes | Yes | ||||||
| Dominican Republic | Yes | Yes | ||||||
| Dubai | Yes | Yes | Yes | |||||
| Ecuador | Yes | Yes | Yes | Yes | ||||
| Egypt | Yes | Yes | Yes | Yes | ||||
| Eire | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| El Salvador | Yes | Yes | ||||||
| England | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Equatorial Guinea | Yes | Yes | Yes | Yes | ||||
| Eritrea | Yes | Yes | Yes | Yes | ||||
| Estonia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Eswatini | Yes | Yes | Yes | Yes | ||||
| Ethiopia | Yes | Yes | Yes | Yes | ||||
| Falkland Islands (Malvinas) | Yes | Yes | Yes | Yes | ||||
| Faroe Islands | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Fiji | Yes | Yes | Yes | Yes | ||||
| Finland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| France | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| French Guiana | Yes | Yes | Yes | Yes | ||||
| French Polynesia | Yes | Yes | Yes | Yes | ||||
| French Southern Territories | Yes | Yes | Yes | Yes | ||||
| Gabon | Yes | Yes | Yes | Yes | ||||
| Galapagos Islands | Yes | Yes | Yes | Yes | ||||
| Gambia | Yes | Yes | Yes | Yes | ||||
| Georgia | Yes | Yes | Yes | |||||
| Germany | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Ghana | Yes | Yes | Yes | Yes | ||||
| Gibraltar | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Greece | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Greek Islands | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Greenland | Yes | Yes | ||||||
| Grenada | Yes | Yes | ||||||
| Guadeloupe | Yes | Yes | ||||||
| Guam | Yes | Yes | Yes | Yes | ||||
| Guatemala | Yes | Yes | ||||||
| Guernsey | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Guinea | Yes | Yes | Yes | Yes | ||||
| Guinea-Bissau | Yes | Yes | Yes | Yes | ||||
| Guyana | Yes | Yes | Yes | Yes | ||||
| Haiti | Yes | Yes | ||||||
| Heard Island and McDonald Islands | Yes | Yes | Yes | Yes | ||||
| Holy See | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Honduras | Yes | Yes | ||||||
| Hungary | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Iceland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| India | Yes | Yes | Yes | |||||
| Indonesia | Yes | Yes | Yes | |||||
| Iran (Islamic Republic of) | Yes | Yes | Yes | |||||
| Iraq | Yes | Yes | Yes | |||||
| Ireland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Isle of Man | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Israel | Yes | Yes | Yes | |||||
| Italy | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Jamaica | Yes | Yes | ||||||
| Japan | Yes | Yes | Yes | |||||
| Jersey | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Jordan | Yes | Yes | Yes | |||||
| Kazakhstan | Yes | Yes | Yes | |||||
| Kenya | Yes | Yes | Yes | |||||
| Kiribati | Yes | Yes | Yes | Yes | ||||
| Kuwait | Yes | Yes | Yes | |||||
| Kyrgyzstan | Yes | Yes | Yes | |||||
| Lao People's Democratic Republic | Yes | Yes | Yes | Yes | ||||
| Laos | Yes | Yes | Yes | |||||
| Latvia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Lebanon | Yes | Yes | Yes | |||||
| Leeward islands | Yes | Yes | ||||||
| Lesotho | Yes | Yes | Yes | Yes | ||||
| Liberia | Yes | Yes | Yes | Yes | ||||
| Libya | Yes | Yes | Yes | Yes | ||||
| Liechtenstein | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Lithuania | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Luxembourg | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Madagascar | Yes | Yes | Yes | Yes | ||||
| Malawi | Yes | Yes | Yes | Yes | ||||
| Malaysia | Yes | Yes | Yes | |||||
| Maldives | Yes | Yes | Yes | |||||
| Mali | Yes | Yes | Yes | Yes | ||||
| Malta | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Marshall Islands | Yes | Yes | Yes | Yes | ||||
| Martinique | Yes | Yes | ||||||
| Mauritania | Yes | Yes | Yes | Yes | ||||
| Mauritius | Yes | Yes | Yes | |||||
| Mayotte | Yes | Yes | Yes | Yes | ||||
| Mexico | Yes | |||||||
| Micronesia (Federated States of) | Yes | Yes | Yes | Yes | ||||
| Midway Island | Yes | Yes | ||||||
| Moldavia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Monaco | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Mongolia | Yes | Yes | Yes | |||||
| Montenegro | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Montserrat | Yes | Yes | ||||||
| Morocco | Yes | Yes | Yes | Yes | ||||
| Mozambique | Yes | Yes | Yes | Yes | ||||
| Myanmar | Yes | Yes | Yes | |||||
| Namibia | Yes | Yes | Yes | Yes | ||||
| Nauru | Yes | Yes | Yes | Yes | ||||
| Nepal | Yes | Yes | Yes | |||||
| Netherlands | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Netherlands Antilles | Yes | Yes | Yes | Yes | ||||
| Nevis Island | Yes | Yes | ||||||
| New Caledonia | Yes | Yes | Yes | Yes | ||||
| New Zealand | Yes | Yes | Yes | Yes | Yes | |||
| Nicaragua | Yes | Yes | ||||||
| Niger | Yes | Yes | Yes | Yes | ||||
| Nigeria | Yes | Yes | Yes | Yes | ||||
| Niue | Yes | Yes | Yes | Yes | ||||
| Norfolk Island | Yes | Yes | Yes | Yes | ||||
| North Macedonia | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Northern Ireland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Northern Mariana Islands | Yes | Yes | Yes | Yes | ||||
| Norway | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Oman | Yes | Yes | Yes | |||||
| Pakistan | Yes | Yes | Yes | |||||
| Palau | Yes | Yes | Yes | Yes | ||||
| Panama | Yes | Yes | ||||||
| Papua New Guinea | Yes | Yes | Yes | Yes | ||||
| Paraguay | Yes | Yes | Yes | Yes | ||||
| Peru | Yes | Yes | Yes | Yes | ||||
| Philippines | Yes | Yes | Yes | Yes | ||||
| Pitcairn | Yes | Yes | Yes | Yes | ||||
| Poland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Portugal | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Puerto Rico | Yes | Yes | ||||||
| Qatar | Yes | Yes | Yes | |||||
| Republic of Ireland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Republic of Korea | Yes | Yes | Yes | |||||
| Republic of Moldova | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Réunion | Yes | Yes | Yes | Yes | ||||
| Rodrigues Island | Yes | Yes | Yes | |||||
| Romania | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Russia (west of urals) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Russian Federation | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Rwanda | Yes | Yes | Yes | Yes | ||||
| Saint Barthélemy | Yes | Yes | ||||||
| Saint Helena | Yes | Yes | Yes | Yes | ||||
| Saint Kitts and Nevis | Yes | Yes | ||||||
| Saint Lucia | Yes | Yes | ||||||
| Saint Martin (French Part) | Yes | Yes | ||||||
| Saint Pierre and Miquelon | Yes | Yes | ||||||
| Saint Vincent and the Grenadines | Yes | Yes | ||||||
| Saipan | Yes | Yes | Yes | Yes | ||||
| Samoa | Yes | Yes | Yes | Yes | ||||
| San Marino | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Sao Tome and Principe | Yes | Yes | Yes | Yes | ||||
| Sardinia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Sark | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Saudi Arabia | Yes | Yes | Yes | |||||
| Scilly Isles | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Scotland | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Senegal | Yes | Yes | Yes | Yes | ||||
| Serbia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Seychelles | Yes | Yes | Yes | Yes | ||||
| Sierra Leone | Yes | Yes | Yes | Yes | ||||
| Singapore | Yes | Yes | Yes | |||||
| Sint Maarten (Dutch part) | Yes | Yes | ||||||
| Slovakia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Slovenia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Solomon Islands | Yes | Yes | Yes | Yes | ||||
| Somalia | Yes | Yes | Yes | Yes | ||||
| South Africa | Yes | Yes | Yes | |||||
| South Georgia and the South Sandwich Islands | Yes | Yes | Yes | Yes | ||||
| South Sudan | Yes | Yes | Yes | Yes | ||||
| Spain | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Sri Lanka | Yes | Yes | Yes | |||||
| St Helena | Yes | Yes | Yes | Yes | ||||
| State of Palestine | Yes | Yes | Yes | |||||
| Sudan | Yes | Yes | Yes | Yes | ||||
| Suriname | Yes | Yes | Yes | Yes | ||||
| Svalbard and Jan Mayen Islands | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Swaziland | Yes | Yes | Yes | |||||
| Sweden | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Switzerland | Yes | Yes | Yes | Yes | Yes | Yes | ||
| Syrian Arab Republic | Yes | Yes | Yes | |||||
| Taiwan | Yes | Yes | Yes | |||||
| Tajikistan | Yes | Yes | Yes | |||||
| Thailand | Yes | Yes | Yes | |||||
| Timor-Leste | Yes | Yes | Yes | Yes | ||||
| Togo | Yes | Yes | Yes | Yes | ||||
| Tokelau | Yes | Yes | Yes | Yes | ||||
| Tonga | Yes | Yes | Yes | Yes | ||||
| Trinidad and Tobago | Yes | Yes | ||||||
| Tristan Da Cunha | Yes | Yes | Yes | Yes | ||||
| Tunisia | Yes | Yes | Yes | Yes | ||||
| Turkey | Yes | Yes | Yes | Yes | ||||
| Turkmenistan | Yes | Yes | Yes | |||||
| Turks and Caicos Islands | Yes | Yes | ||||||
| Tuvalu | Yes | Yes | Yes | Yes | ||||
| Uganda | Yes | Yes | Yes | Yes | ||||
| Ukraine | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| United Arab Emirates | Yes | Yes | Yes | |||||
| United Kingdom | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| United Republic of Tanzania | Yes | Yes | Yes | Yes | ||||
| United States Minor Outlying Islands | Yes | Yes | ||||||
| United States of America | Yes | Yes | ||||||
| United States Virgin Islands | Yes | Yes | ||||||
| Uruguay | Yes | Yes | Yes | Yes | ||||
| Uzbekistan | Yes | Yes | Yes | |||||
| Vanuatu | Yes | Yes | Yes | Yes | ||||
| Venezuela (Bolivarian Republic of) | Yes | Yes | Yes | Yes | ||||
| Vietnam | Yes | Yes | Yes | |||||
| Wake Island | Yes | Yes | ||||||
| Wales | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Wallis and Futuna Islands | Yes | Yes | Yes | Yes | ||||
| Western Sahara | Yes | Yes | Yes | Yes | ||||
| Yemen | Yes | Yes | Yes | |||||
| Zaire | Yes | Yes | Yes | |||||
| Zambia | Yes | Yes | Yes | Yes | ||||
| Zanzibar | Yes | Yes | Yes | |||||
| Zimbabwe | Yes | Yes | Yes | Yes |
To enable us to direct you to the right agent, please select from below
Claims
Customer service 
Emergency medical assistance