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Please Note that for Policy holders who have chosen cover for Area 3 (Worldwide, excluding USA and Canada) or Area 4 (Australia & New Zealand), up to 25% of any trip covered under the period of insurance may be spent in Area 5 (Worldwide, including USA & Canada)
I.E. If you take a 12 month policy to cover you for Area 4 (Australia & New Zealand) you can spend up to 3 months of the 12 months you are away for anywhere else in the world and still be fully covered! Now that's value for money!!
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