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Travel Insurance for Asia

Find out all you need to know about buying Travel Insurance for Asia for Aussie travellers
Whether you’re trekking the Great Wall of China, enjoying the cherry blossom season in South Korea, or skiing on the snow-capped mountains in Japan, Fast Cover’s Asia travel insurance offers different levels of cover to suit many types of travel in Asia.

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal circumstances.

What does Fast Cover’s Asia Travel Insurance Cover?

This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always review the PDS before deciding.

Overseas Emergency Medical Evacuation and Repatriation Expenses in Asia

In case you are seriously injured or sick whilst in Asia, cover is available to cover the costs for the flight home or to get to the nearest hospital. ^

24 Hour Emergency Medical Assistance

Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call during your trip to Asia, at any time. ^

Overseas Emergency Medical and Hospital Expenses in Asia

This benefit is available to provide protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you during your trip to Asia. ^

Trip Cancellation Expenses

You can take out an Asia travel insurance policy with cancellation cover up to 12 months before you travel. This can come in handy if you want to take measures to help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Asia due to an unexpected emergency that is covered under the policy. ^

Travel Delay Expenses

Bad weather or airline operational issues can throw a spanner in the works on your holiday to Asia. This benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^

Luggage and Personal Effects

This benefit is available to provide cover for loss, theft or damage to your luggage and personal belongings such as phones, cameras and laptops while you travel around Asia. Conditions including maximum cover limits, sub-limits on how much you can claim for each type of item and the situations in which we would provide cover apply. ^

Optional Extras for your Asia Travel Insurance

Fast Cover's optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures in Asia.

Person kayaking on lake with mountains
Adventure Pack

Travellers aged 74 and under at the date of policy issue embarking on adventures throughout Asia’s unique landscapes and locations can add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities such as hiking between 3000m and 6000m, caving, ziplining, tandem paragliding, water skiing and more. ^

Person riding scooter in the outdoors
Motorcycle Pack

Riding a motorcycle is a popular way to explore Asia – from Bali’s lush rice terraces and Phuket’s coastal roads to Vietnam’s scenic Hai Van Pass and the foothills of Mount Fuji in Japan. Travellers aged 74 and under at the date of policy issue who want to ride or be a passenger on a scooter, moped or motorcycle, will need to add the Motorcycle Pack to their Asia travel insurance policy. ^

Cruise ship on the ocean
Cruise Cover

If you’re embarking on a cruise holiday in Asia's waters for 4 nights or more, add our cruise cover to your Asia travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions. ^

People walking on the snow
Ski and Snow Sports Cover

Travellers aged 69 and under at the date of policy issue planning to ski or snowboard in Asia can apply for Fast Cover's ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide cover for costs associated with ski and snow sports. ^

Person typing on laptop
Specified High Value Items

If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^

Person inside van by the ocean
Rental Vehicle Insurance Excess

Renting a car is a great way to explore Asia at your own pace. If your rental vehicle is in an accident, damaged or stolen during your trip to Asia, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Insurance Cover Options for your Trip to Asia

At Fast Cover, we have a range of coverage options available for your trip to Asia. The below options are a summary of some of the benefits available under the various policy options, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is Fast Cover's most popular policy option. It provides the highest level of cover for the widest range of unexpected situations like medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy but usually lower limits, such as trip cancellation and trip disruption, as well as relating to your health and luggage and personal belongings when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basic Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.^

More than one trip? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you travel to Asia frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance for Asia. We can provide cover for an unlimited number of trips in a 12 month period up to a specified number of days each trip.^

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best Travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2024 ProductReview.com.au Awards†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

Travel Insurer of the Year

2023 WeMoney Awards†

The Benefits of Travel Insurance for Asia

Depending on the level of cover you take out with our Asia travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances.

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

What is Not Covered in our Asia Travel Insurance?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of.

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision.

If you become injured while breaking the law
If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. This could include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol. 
 
Remember that possession of certain drugs are illegal in Asia and different countries will have different laws. Using drugs or selling them can land you in trouble with the law in Asia.

If you are intoxicated or have taken illicit drugs
If you are intoxicated or have taken illicit drugs

Whilst it may not be illegal to have a drink in Asia, alcohol consumption laws vary throughout the region. Make sure to research the part of Asia you are travelling to and follow the local laws. Keep in mind that if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply to your travel insurance policy. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

Certain drugs are illegal in Asia, and you may not be covered by your Asia travel insurance policy when you’ve taken drugs.

If you do an activity that isn’t covered by your policy
If you do an activity that isn’t covered by your policy

If you’re injured in an accident while for example, riding a moped and you didn’t add the Motorcycle Pack to your Asia travel insurance policy, you’ll likely be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy. 
 
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do in Asia.

Unsupervised belongings
Unsupervised belongings

If something of yours is stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this will be considered leaving your belongings unattended, in which case you may not be covered.  
 
Make sure you keep your belongings with you at all times or keep them in a secure location.

Regular medical or dental check-ups
Regular medical or dental check-ups

There are exclusions that apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday to Asia before you leave Australia.

Ignoring official warnings
Ignoring official warnings

Should the Australian Government release a warning on Smartraveller that certain areas in Asia are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase. 

Note: We are unable to offer travel insurance to North Korea. To check which countries may be covered, enter your destination country in the quote.

Known events
Known Events

Known events are serious situations, from natural disasters like volcanic eruptions and tsunamis, to disease outbreaks, which can affect your holiday plans and also the cover on your travel insurance policy for Asia. 
 
If you buy your Asia travel insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Asia so you know where you stand with regards to the cover that you will have on your Asia travel insurance policy.

Disappointing holidays
Disappointing holidays

Perhaps the weather was bad, the streets were too crowded or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your holiday has shaped up, your travel insurance policy for Asia is not intended to compensate you because you didn’t enjoy your time there.

Why Choose Fast Cover?

Australian-Based Customer Service
24/7 Emergency Assistance
25 Day Cooling Off Period#
Fast and Simple Claims Process

Ready for Asia?

What Our Travellers Are Saying

Got a Question?

For Fast Cover's travel insurance purposes:

For policies purchased from 20/05/2023:

Asia (including Bali, Indonesia, Japan, excluding Russian Federation and the Middle East). Includes cover for the South Pacific region, New Zealand and Australia (Domestic).

For policies purchased before 20/05/2023:

Asia (including Japan, excluding Russian Federation and the Middle East). Includes cover for the South Pacific and New Zealand regions and Australia (Domestic).

Note:

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

Depending on the policy chosen, travel insurance for Asia can help to better prepare you to deal with unexpected and unforeseen circumstances such as injury or sickness as well as trip cancellation and disruption expenses. One way to prepare for this is by making international travel insurance for Asia a priority. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

If you are only in transit through Asia, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed on your Certificate of insurance. If you change your travel plans and decide to legally enter a country in Asia, you may not be covered under your policy if that country or the Asia region was not selected at the time of purchase and listed on your Certificate of insurance. You can apply to Fast Cover to add the new country (or countries you are travelling to) or the Asian region to your policy to include cover and pay an additional premium. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The cost of travel insurance for Asia will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip to Asia, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose.  

To determine the cost of travel insurance for your upcoming trip to Asia, request a quote from Fast Cover today.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The best travel insurance policy for your trip to Asia is a policy that provides cover for the type of trip that you’re taking.  When looking for the best travel insurance for Asia, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip to India , who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip. 

 Here are some examples of things you may wish to consider when reviewing policy options: 

  • Have you booked your Asia tour, accommodation or flights? You may wish to consider whether the policy includes cancellation cover in case you can’t travel to Asia due to an unforeseen circumstance such as an unexpected illness or injury.    
  • Have you just bought a new phone and you’re worried that it will be stolen in Asia? You may wish to consider whether the policy includes cover for luggage and personal effects, including any applicable limits, sub-limits or conditions. 
  • Will you be riding or be a passenger on. a motorcycle, moped or scooter in Asia? You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licencing requirements or helmet use) may apply. 
  • Will you be doing adventurous activities like riding a quad bike or zip lining in Asia? You might wish to consider whether your policy provides cover for these activities or whether you need to add cover and pay an additional premium to include cover for those activities. 

These are just some of the considerations that should be taken into account when looking for the best travel insurance policy for Asia, so you know what cover is available to you before and during your trip to Asia. 

Before you decide on the best travel insurance for Asia, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.   

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Consider purchasing travel insurance for Asia when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Asia due to an unexpected emergency that is covered under your policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Regardless of the travel insurance policy that you choose for your overseas trip to Asia, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Since Australia doesn’t have Reciprocal Health Care Agreements with countries in Asia, you’ll likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling in Asia. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars.  

This benefit provides some protection against the financial burden of unexpected medical emergencies that can happen on your trip to Asia, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis. You should be aware that cover isn’t available for all medical expenses, and some of these include (but are not limited to):  

  • medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,  
  • planned medical procedures or other non-emergency medical treatments,  
  • routine medical or dental check-ups,  
  • injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and  
  • your medical expenses once you’ve returned to Australia, 

so it’s important to review your policy to understand what is and isn't covered while you're in Asia and the terms and conditions that apply.  

You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop between the time you purchase your policy and the date you depart on your trip to Asia through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Existing Medical Conditions page.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.

Asia is a vast and diverse region where countries can be affected by earthquakes, tsunamis and seasonal monsoons that may lead to flooding. So, if you’re planning a trip to Asia, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for Asia, travel advisories from Smartraveller and travel warnings from the Australian government.

If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.

Our trip cancellation expenses benefit is available to provide cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.

Our trip disruption expenses benefit is available to provide cover for when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Asia river cruises are automatically covered under your Asia travel insurance policy so you won’t need to choose Cruise cover, for this type of cruise.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Asia Travel Hub

Discover travel resources, advice and tips for your next holiday to Asia.

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Travelling to Asia and not sure if you need a visa for your travel destination? Whether you are going for tourism, work or study, knowing if you need a visa can help prepare for your trip. Learn about visa requirements before you travel to Asia.

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Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Disclaimer: Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs.

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).