Geographical areas and areas of travel

  1. Do you cover trips within the UK?

    We can cover trips within the United Kingdom Area if you live in England, Scotland, Wales, Northern Ireland and the Isle of Man.

    Annual multi trip policies only cover trips in the UK where you have pre-booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.

    If you are a resident of the Channel Islands and you will be travelling to England, Scotland, Wales, Northern Ireland or the Isle of Man, you will need to purchase a policy which covers Europe.

  2. What countries does a Spectrum Travel Insurance policy cover?

    United Kingdom: including Great Britain, Northern Ireland and the Isle of Man.

    Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland, Portugal (including Azores & Madeira), Romania, Russia (European), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Turkey, Ukraine,United Kingdom and Vatican City. Please note : This excludes Egypt, Morocco and Tunisia.

    Australia & New Zealand: Australia, including territory of Cocos (Keeling islands), the territory of Christmas Island, Norfolk Island and Lord How Island, Tasmania, and New Zealand, including the Cook Islands, Niue and Tokelau.

    Worldwide excluding USA, Canada & the Caribbean: Worldwide, excluding United States of America, Canada and all islands in the Caribbean Sea and the Bahamas. Please note : This includes Egypt, Morocco and Tunisia.

    Worldwide including USA, Canada & the Caribbean: All countries worldwide.

    Please note: We can not cover any trips to destinations which the Foreign and Commonwealth Office (FCO) advise against travel to. You can check the Foreign and Commonwealth Office (FCO) travel advice online at www.fco.gov.uk.

  3. I have an Annual multi trip policy covering Europe, but I am now travelling outside of Europe. Can I upgrade my policy?

    If you want to upgrade your policy to Worldwide, Please call our customer service team on 0800 840 7227.

    * Please note if you are travelling to Egypt, Morocco or Tunisia these are covered under our Worldwide policies.

  4. Can a Spectrum Travel Insurance policy cover trips to Cuba?

    Yes, a Spectrum Travel Insurance policy can cover trips to Cuba as long as the policy covers Worldwide including USA, Canada & the Caribbean. You will not need to purchase additional cover upon arrival.

  5. Can I travel to more than one country during my trip?

    We can cover you to travel to multiple destinations as part of one trip. You need to ensure that the policy covers you for all of the countries that you plan to visit.

    Your trip starts from your home country and ends on the date that you return to your home country (or your final destination if it is a one-way trip*).

    * One-way trip cover will end 12 hours after the time you first leave the immigration control in your final destination country.

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