CoverForYou eligibility rules
One of the few with a dedicated one-way policy. UK residents, starting from the UK. Every row below is taken from CoverForYou's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | United Kingdom only, and you must be permanently resident and registered with a UK medical practitioner. | verified |
| No fixed country of residence | No | UK residency and a UK GP required. | verified |
| Buying after you have left home | No | “Cover cannot start after you have left the United Kingdom.” | verified |
| Maximum age | No stated cap | Backpacker is not available to anyone aged 51 or over. Single trip and annual ceilings not verified. | partly |
| One-way and open-ended trips | Yes | A dedicated One-Way policy exists. The trip must still begin in the UK, but no return is required. | verified |
| Longest trip | 18 months | Backpacker up to 18 months worldwide. | partly |
| Pre-existing conditions | With conditions | Medical screening questions at quote; depth of acceptance not verified. | partly |
| Cover in the USA | Yes | Worldwide policies include the USA. Note a quirk: policies bought while located in the USA are only valid for UK residents registered with a UK GP. | partly |
| Schengen visa certificate | With conditions | A Schengen visa product is marketed; certificate detail not verified. | low |
| Winter sports | With conditions | Within the 100+ standard activities or the optional packs. | partly |
| Scuba diving | With conditions | Within the standard list or an extreme pack. | partly |
| High-altitude trekking | With conditions | Within the standard list or an extreme pack. | partly |
| Scooters and motorbikes | Yes | Motorcycling covered, excluding quad bikes, if you are licensed to ride it in the UK and wearing a helmet. No races or rallies. No engine-size cap stated. | verified |
| Working abroad | Yes | Backpacker covers non-manual working holidays as standard, with manual labour available as an option. | verified |
| Trip cancellation | Yes | Included and tier-based, starting at booking or premium payment. | verified |
| Families | Yes | Single, couple, family and group. | partly |
Who underwrites it
Inter Partner Assistance S.A. (AXA Group) and others by section. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to CoverForYou. That is disclosed on every link, and it never changes where they appear or in what order. From 8% of sale, 5% when a promo code is used, 30-day cookie.
Sources: coverforyou.com, coverforyou.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.