Geographic Areas of Cover from Downunder Travel Insurance

Zone 1 UK Area
Zone 2 Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, Ukraine, United Kingdom (including England, Scotland, Wales, Northern Ireland, Hebrides, Isle of Man, Isle of Wight, Orkney Is, Shetland Is), Vatican City and countries bordering the Mediterranean Sea (except Algeria, Israel, Jordan, Lebanon and Libya).
Zone 3*

All countries worldwide, excluding the United States, Canada, Bermuda, and the Caribbean.

Zone 4* Australia & New Zealand
Zone 5 All Countries Worldwide

* For policyholders who have chosen cover for Zones 3 or 4, up to 25% of any trip covered under the period of insurance may be spent in Zone 5.



Please note:

Geographical Limits: The countries of the Zone for which You have paid the appropriate premium, except those countries or parts of countries where the Foreign & Commonwealth Office (FCO) has advised against travel, as specified on the Certificate.

Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within Your country of departure once You commence Your Trip, and during Your return journey to Your Home.

You will be covered when travelling by recognised public transport between countries, but not if You are being paid to crew a private motor or sailing vessel or travelling by private plane (unless the appropriate premium has been paid).






Downunder Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 306618.