Destinations
Cover considerations by destination
What to check for the country on your ticket. Not hospital advice. Not a best-insurer map.
Destination pages tell you what to check — scooters, snow, reciprocal-care myths, evacuation from an island — not which clinic to use. Each child links back here and across to sibling countries and the matching cover-type guide.
Start with high-traffic notes: Bali, Japan, USA, Europe, New Zealand. Pair snow with the ski guide and ships with the cruise guide.
Bali
Scooters, clinics, and diving sit in different clauses. A cheap Asia policy is not automatically a Bali policy.
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Canada
Winter sports, long driving distances, and private medical costs. A summer wording may not cover a Banff ski week.
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China
Language, hospital deposits, and air-quality or activity assumptions. Assistance who can navigate local care matters.
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Europe
A multi-country rail trip is one journey in PDS language only if the dates and territory definitions say so. Reciprocal EHIC-style myths persist.
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Fiji
Island medical facilities vary. Evacuation wording is the paragraph to read twice.
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India
Altitude, long trains, and variable hospital quality. Trekking lists and medical screening both matter.
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Japan
Ski weeks and cherry-blossom city trips are different products. Do not buy a Tokyo museum policy for Niseko.
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New Zealand
ACC is not a travel-insurance replacement. Adventure activities are the usual surprise.
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Singapore
Short-stay, high-quality private care, easy to under-insure because “it’s only four days”.
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Thailand
Scooters, diving, and island clinics — the Bali conversation with a longer map.
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United Kingdom
Reciprocal care is limited. It is not cancellation cover and not a private-hospital plan.
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USA
Medical price risk is the point. Do not buy a thin medical limit because the flights were on points.
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Vietnam
Motorbike loops are the clause people skip. Ha Giang is not a city-break wording.
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Compare the wording, not a leaderboard
Start with the comparison framework or a brand hub. Read the current PDS before you buy. We do not sell policies or invent ratings.