Your country of permanent residence is the country where you have your permanent home or principal establishment and to where, whenever you are absent, you intend to return.
This is the country you may be repatriated back to if you are unfit to continue your trip or if you require long term medical care after a medical emergency while travelling.
Your policy can’t cover any expenses incurred within your country of permanent residence.
Each policy has specific conditions or definitions of residence depending on the country you live in, so do read the policy wording carefully to see if you’re eligible to buy it.
Also, if you are travelling with people from different countries of residence, they will have to buy separate policies to cover their country of residence, which may have different terms and conditions of cover.