Travel Insurance: What is my country of residence?

As a guide, generally your country of permanent residence is the country you would want to be repatriated to in the event of a medical emergency, and where you are entitled to long term health care if required.

Eligibility criteria 

You are eligible for cover under our United Kingdom travel insurance product if you normally live in the the United Kingdom (which we define as England, Scotland, Wales and Northern Ireland only) and you: 

  • will be 64 years old or younger at the time you buy or extend your policy; and

  • are a citizen or legal resident of the United Kingdom with unrestricted right of entry into the United Kingdom; and

  • have access to long-term medical care in the United Kingdom; and 

  • have your principal, permanent residential address in the United Kingdom where you have lived during the 24 months prior to policy purchase.  

Please be aware

  • The United Kingdom is where we will repatriate you to in the event of a medical emergency, which is particularly why you must have unrestricted right of entry and access to long term health care there.
  • This product is not available to residents of the Isle of Man or the Channel Islands.
  • Your policy can’t cover any expenses incurred within the United Kingdom. 
  • All people to be insured on a policy must also live in the United Kingdom and meet the eligibility criteria for ‘country of residence’ for a UK policy. If you are travelling with people from different countries of residence, they will have to buy separate policies, which may have different terms and conditions of cover.

Who is covered by my travel insurance policy?


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We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

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Phone

For policies purchased on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

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For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738