True Traveller eligibility rules
UK and European residents, real medical screening, and it sells to you mid-trip. Every row below is taken from True Traveller'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 | UK plus around 39 European countries: the EEA plus Switzerland, Andorra, Gibraltar, the Channel Islands, the Isle of Man and most of the Western Balkans. | verified |
| No fixed country of residence | No | Requires residence in a listed European country. | verified |
| Buying after you have left home | Yes | A core feature rather than an afterthought: 48-hour waiting period, except for accidental injury, and nothing may have already happened that could lead to a claim. | verified |
| Maximum age | 75 | 75 on single trip, 65 on annual multi-trip, and 65 if you are buying while already travelling. | verified |
| One-way and open-ended trips | Yes | No return ticket required. | verified |
| Longest trip | 18 months | Up to 548 days, reducing with age: 50 and over is capped lower. | partly |
| Pre-existing conditions | Yes | Genuine screening rather than blanket exclusion, with hard stops for terminal illness, travel against medical advice, travel for treatment, and undiagnosed tests you are still awaiting. | verified |
| Cover in the USA | Yes | Worldwide including USA and Canada is a paid area option; £10m medical on all tiers. | verified |
| Schengen visa certificate | With conditions | Medical limits far exceed the €30k requirement, but no visa-letter service was found. | partly |
| Winter sports | With conditions | Winter sports via the activity packs. | partly |
| Scuba diving | Yes | Within the 92 standard activities; deeper diving needs a higher pack. | verified |
| High-altitude trekking | With conditions | Standard pack covers a lot; altitude needs the Adventure or Extreme pack. | partly |
| Scooters and motorbikes | Yes | On-road up to 125cc is standard, above that needs the Adventure pack, off-road trail under 250cc needs a higher pack. Helmet compulsory and a licence appropriate to the machine. | verified |
| Working abroad | Yes | Non-manual work, teaching, au pair, childminding, bar and restaurant work covered as standard; permitted manual work such as farm work and fruit picking is also listed. | verified |
| Trip cancellation | Yes | Included on all tiers, with limits rising by tier. | partly |
| Families | Yes | Individuals, couples, families and groups. | partly |
Who underwrites it
Inter Partner Assistance S.A. (AXA Group), UK branch. 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 True Traveller. That is disclosed on every link, and it never changes where they appear or in what order. 10% per policy; entry gated on audience size.
Sources: truetraveller.com, truetraveller.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.