Geographical limits
EUROPEAN REGION – covers the UK, Europe including Scandinavia. Also, Turkey, Egypt, Tunisia and Morocco and countries bordering the Mediterranean including the Canaries, the Azores and Madeira.
Note: Trips in the United Kingdom are only covered when there is at least one night's accomodation which you have booked and paid for in advance.
WORLDWIDE including USA/Canada and the Caribbean - all countries in the world including the United States of America, Canada and the Caribbean.
WORLDWIDE excluding USA/Canada and the Caribbean – covers all other countries in the world.
There is no cover for travel to Russia, Ukraine and Belarus, North and South poles and travel to a country or region that the FCDO advise against all, or all but essential travel to.
Note: It is a general condition of the policy that the insurers shall not be liable to provide the insurance or to pay claims under this policy where to do so would breach applicable sanctions, prohibitions or restrictions under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, England and Wales and the United States of America.
Following BREXIT, the UK is still in the European geographic region along with other non EU member states like Switzerland and Norway. For the purposes of insurance, distinction is based on geography and not political union.
- Greenland (although politically aligned with Denmark) and Svalbard (Norway) are worldwide excluding USA/Canada and the Caribbean destinations.
- Iceland is a European destination as are Switzerland and Norway, note the georgraphic distinction is based on geography and not political alliance or union.
- Eastern European countries included in the Europe region include Albania, Bosnia and Herzegovina, Bulgaria, Croatia, the Czech Republic, Estonia, Hungary, Kosovo, Latvia, Lithuania, the Republic of North Macedonia, Moldova, Montenegro, Poland, Romania, Serbia, Slovakia, Slovenia.
- Jordan is a worldwide excluding USA/Canada and the Caribbean destination.
- Cape Verde is a worldwide excluding USA/Canada and the Caribbean destination.
- Georgia is a worldwide excluding USA/Canada and the Caribbean destination.
- Worldwide inc USA/Canada/Caribbean counties: Anguilla, Antigua, Aruba, Bahamas, Barbados, Bonaire (Antilles), Canada, Cayman Islands, Cocos (Keeling) Islands, Cuba, Curacao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Nevis Island, Puerto Rico, Saint Barthelemy, Singapore, St Kitts and Nevis, St Lucia, St Martin, St Pierre and Miquelon, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, USA, Virgin Islands (UK), Virgin Islands (US)
- You should also note that we exclude cover where travel is to a country or region that the FCDO advise against all or all but essential travel to.
- It is illegal for UK insurers to pay for medical or other services in a country currently under sanctions - if you travel to a country where it would be illegal for the insurers to pay for medical or other services because of sanctions in place at the time, you might have to pay for such services yourself. Please refer to FCDO travel advice before booking a holiday to check whether sanctions apply.
- We do not offer expedition cover to either the North or South Poles.
- Excluding any travel to Russia, Ukraine, Belarus and any travel to a country or region that the FCDO advise against all, or all but essential travel to.
- All other expeditions to remote regions are subject to individual quotes and require a full detailed submission of the expedition itinerary before the risk is accepted. Please email your expedition itinerary including guiding arrangements, your experience, emergency provisions and expedition objectives to assistance@snowcard.co.uk