Which Travel Insurance region should I select for my trip?
If you’re travelling to multiple countries, it may be confusing to figure out which travel insurance region you should select for your policy.
Some countries are not in the regions you would assume them to be! For example, when it comes to buying travel insurance, Hawaii may be in the Worldwide region and both Turkey and Russia in the Europe region.
We have created this guide to help you select the right geographical region for your holiday and put your mind at ease before you set off for your trip.
Every country has been designated a specific region for Travel Insurance purposes. It’s important to select the correct region when purchasing your policy, otherwise you may not be covered for travels to that region.
This could result in your claim being declined which means you would be responsible for all costs incurred. If you are seriously ill or injured, these could easily add up to hundreds of thousands of dollars for overseas emergency medical expenses.
5 Travel Insurance Region Tips
- The Worldwide region is the highest region which covers all travel destinations, and the Domestic region is the lowest region because it only covers you for travel within Australia.
- Be sure you know the correct region for the country or countries you’re planning to visit.
- Whichever geographical region you select, you’re also automatically covered for all the regions below it at no additional charge.
- You’re automatically covered for transits of two nights or less in higher regions.
- Contact us immediately if you have selected the wrong region or you change your travel plans to visit a higher level region.
Fast Cover Tip
Hawaii and the Middle East are a part of the Worldwide region.
Turkey and Russia are in the Europe region.
Popular Destinations |
Exceptions |
Covers Regions |
Worldwide |
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|
Africa Antarctica Central America South America Middle East
North America
|
If you are unable to find your country, select Worldwide | Also covers you for travel in Europe, Asia, Pacific and Domestic (Australia) regions. |
Europe |
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|
Turkey is often defined as where east meets west. For the purpose of travel insurance Turkey is included in the Europe region. | Also covers you for travel in Asia, Pacific and Domestic (Australia) regions. |
Asia |
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| Also covers you for travel in Pacific and Domestic (Australia) regions. | ||
Pacific |
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| Pacific Islands | Also covers you for travel in New Zealand and Domestic (Australia) regions. | |
New Zealand |
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| New Zealand | Also covers you for travel in Domestic (Australia) region. | |
Domestic |
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All of Australia Lord Howe Island Norfolk Island |
If you’re going on a cruise, for the purposes of travel insurance and Medicare, you are technically leaving Australia so you require international cover. The Domestic region will not cover you for cruising in the sea or ocean even if you’re only in Australian waters. | Domestic (Australia) region ONLY. |
The higher the region you select the more regions you’ll have cover for if you decide to stop off somewhere or change your plans.
Travel Insurance Region Frequently Asked Questions
A comprehensive list of all countries and the Fast Cover travel insurance region that they belong to:
Country/Destination |
Region |
|
Afghanistan |
Europe |
|
Albania |
Europe |
|
Algeria |
Worldwide |
|
American Samoa |
Pacific |
|
Andorra |
Europe |
|
Angola |
Worldwide |
|
Anguilla |
Worldwide |
|
Antarctica |
Worldwide |
|
Antigua & Barbuda |
Worldwide |
|
Argentina |
Worldwide |
|
Armenia |
Europe |
|
Aruba |
Europe |
|
Ashmore & Cartier Islands |
Pacific |
|
Australia |
Domestic |
|
Austria |
Europe |
|
Azerbaijan |
Europe |
|
Azores |
Europe |
|
Bahamas |
Worldwide |
|
Bahrain |
Asia |
|
Balearic Island |
Europe |
|
Bali |
Pacific |
|
Bangladesh |
Asia |
|
Barbados |
Worldwide |
|
Belarus |
Europe |
|
Belgium |
Europe |
|
Belize |
Worldwide |
|
Benin |
Worldwide |
|
Bermuda |
Worldwide |
|
Bhutan |
Asia |
|
Bolivia |
Worldwide |
|
Bonaire Island |
Europe |
|
Bosnia & Herzegovina |
Europe |
|
Botswana |
Worldwide |
|
Bouvet Island |
Worldwide |
|
Brazil |
Worldwide |
|
British Indian Ocean Territory |
Europe |
|
Brunei Darussalam |
Asia |
|
Bulgaria |
Europe |
|
Burkina Faso |
Worldwide |
|
Burundi |
Worldwide |
|
Cambodia |
Asia |
|
Cameroon |
Worldwide |
|
Canada |
Worldwide |
|
Canary Island |
Europe |
|
Cape Verde |
Worldwide |
|
Cayman Islands |
Worldwide |
|
Central African Republic |
Worldwide |
|
Chad |
Worldwide |
|
Channel Islands |
Europe |
|
Chile |
Worldwide |
|
China |
Asia |
|
Christmas Island |
Domestic |
|
Cocos (Keeling) Islands |
Domestic |
|
Colombia |
Worldwide |
|
Comoros |
Worldwide |
|
Congo |
Worldwide |
|
Congo (Democratic Republic of) |
Worldwide |
|
Cook Islands |
Pacific |
|
Costa Rica |
Worldwide |
|
Cote D'Ivoire |
Worldwide |
|
Croatia |
Europe |
|
Cuba |
Worldwide |
|
Curacao |
Europe |
|
Cyprus |
Europe |
|
Czech Republic |
Europe |
|
Denmark |
Europe |
|
Djibouti |
Worldwide |
|
Dominica |
Worldwide |
|
Dominican Republic |
Worldwide |
|
East Timor |
Asia |
|
Ecuador |
Worldwide |
|
Egypt |
Worldwide |
|
El Salvador |
Worldwide |
|
Equatorial Guinea |
Worldwide |
|
Eritrea |
Worldwide |
|
Estonia |
Europe |
|
Ethiopia |
Worldwide |
|
Faroe Islands |
Europe |
|
Falkland Islands |
Worldwide |
|
Fiji |
Pacific |
|
Finland |
Europe |
|
France |
Europe |
|
France, Metropolitan |
Europe |
|
French Guyana |
Worldwide |
|
French Polynesia |
Pacific |
|
French Southern and Antarctic Lands (Territory of) |
Worldwide |
|
Gabon |
Worldwide |
|
Gambia |
Worldwide |
|
Georgia |
Europe |
|
Germany |
Europe |
|
Ghana |
Worldwide |
|
Gibraltar |
Europe |
|
Greece |
Europe |
|
Greenland |
Europe |
|
Grenada |
Worldwide |
|
Guadeloupe |
Worldwide |
|
Guam |
Pacific |
|
Guatemala |
Worldwide |
|
Guinea |
Worldwide |
|
Guinea-Bissau |
Worldwide |
|
Guyana |
Worldwide |
|
Haiti |
Worldwide |
|
Hawaii |
Worldwide |
|
Heard Island & McDonald Islands |
Pacific |
|
Holy See |
Europe |
|
Honduras |
Worldwide |
|
Hong Kong |
Asia |
|
Hungary |
Europe |
|
Iceland |
Europe |
|
India |
Asia |
|
Indonesia |
Pacific |
|
International Waters |
Worldwide |
|
Iran (Islamic Republic of) |
Worldwide |
|
Iraq |
Worldwide |
|
Ireland |
Europe |
|
Isle of Man |
Europe |
|
Israel |
Worldwide |
|
Italy |
Europe |
|
Ivory Coast |
Worldwide |
|
Jamaica |
Worldwide |
|
Japan |
Asia |
|
Jordan |
Worldwide |
|
Kazakhstan |
Asia |
|
Kenya |
Worldwide |
|
Kerguelen |
Worldwide |
|
Kiribati |
Pacific |
|
Korea (Democratic People's Republic of) |
Asia |
|
Korea (Republic of) |
Asia |
|
Kuwait |
Worldwide |
|
Kyrgyzstan |
Asia |
|
Laos |
Asia |
|
Latvia |
Europe |
|
Lebanon |
Worldwide |
|
Lesotho |
Worldwide |
|
Liberia |
Worldwide |
|
Libyan Arab Jamahiriya |
Worldwide |
|
Liechtenstein |
Europe |
|
Lithuania |
Europe |
|
Luxembourg |
Europe |
|
Macau |
Asia |
|
Macedonia |
Europe |
|
Madagascar |
Worldwide |
|
Madeira |
Europe |
|
Malawi |
Worldwide |
|
Malaysia |
Asia |
|
Maldives |
Asia |
|
Mali |
Worldwide |
|
Malta |
Europe |
|
Marshall Islands |
Pacific |
|
Martinique |
Worldwide |
|
Mauritania |
Worldwide |
|
Mauritius |
Worldwide |
|
Mayotte |
Worldwide |
|
Mexico |
Worldwide |
|
Micronesia (Federated States of) |
Pacific |
|
Moldova (Republic of) |
Europe |
|
Monaco |
Europe |
|
Mongolia |
Asia |
|
Montserrat |
Worldwide |
|
Morocco |
Worldwide |
|
Mozambique |
Worldwide |
|
Myanmar |
Asia |
|
Namibia |
Worldwide |
|
Nauru |
Pacific |
|
Nepal |
Asia |
|
Netherlands |
Europe |
|
New Caledonia |
Pacific |
|
New Hebrides |
Worldwide |
|
New Zealand |
Pacific |
|
Nicaragua |
Worldwide |
|
Niger |
Worldwide |
|
Nigeria |
Worldwide |
|
Niue |
Pacific |
|
Norfolk Island |
Domestic |
|
Northern Mariana Islands |
Pacific |
|
Norway |
Europe |
|
Oman |
Worldwide |
|
Pakistan |
Asia |
|
Palau (Republic of) |
Pacific |
|
Panama |
Worldwide |
|
Papua New Guinea |
Pacific |
|
Paraguay |
Worldwide |
|
Peru |
Worldwide |
|
Philippines |
Asia |
|
Pitcairn |
Pacific |
|
Poland |
Europe |
|
Portugal |
Europe |
|
Puerto Rico |
Worldwide |
|
Qatar |
Worldwide |
|
Reunion |
Worldwide |
|
Romania |
Europe |
|
Russian Federation |
Europe |
|
Rwanda |
Worldwide |
|
Saba |
Europe |
|
Saint Bartelemy |
Worldwide |
|
Saint Eustatius |
Europe |
|
Saint Helena |
Worldwide |
|
Saint Kitts and Nevis |
Worldwide |
|
Saint Lucia |
Worldwide |
|
Saint Marteen |
Europe |
|
Saint Pierre and Miquleon (Territorial Collectivity of) |
Worldwide |
|
Saint Vincent & the Grenadines |
Worldwide |
|
Samoa |
Pacific |
|
San Marino |
Worldwide |
|
Sao Tome & Principe (Democratic Republic of) |
Worldwide |
|
Saudi Arabia |
Worldwide |
|
Senegal |
Worldwide |
|
Serbia & Montenegro |
Europe |
|
Seychelles |
Worldwide |
|
Sierra Leone |
Worldwide |
|
Singapore |
Asia |
|
Slovak Republic |
Europe |
|
Slovenia |
Europe |
|
Solomon Islands |
Pacific |
|
Somalia |
Worldwide |
|
South Africa |
Worldwide |
|
South Georgia and the South Sandwich Islands |
Worldwide |
|
Spain |
Europe |
|
Sri Lanka |
Asia |
|
State of the Vatican City |
Europe |
|
Sudan |
Worldwide |
|
Suriname |
Worldwide |
|
Svalbard & Jan Mayen |
Worldwide |
|
Swaziland |
Worldwide |
|
Sweden |
Europe |
|
Switzerland |
Europe |
|
Syrian Arab Republic |
Worldwide |
|
Tahiti |
Pacific |
|
Taiwan (Province of China) |
Asia |
|
Tajikistan |
Asia |
|
Tanzania (United Republic of) |
Worldwide |
|
Thailand |
Asia |
|
Thursday Island |
Domestic |
|
Togo |
Worldwide |
|
Tokelau |
Pacific |
|
Tonga |
Pacific |
|
Trinidad & Tobago |
Worldwide |
|
Tunisia |
Worldwide |
|
Turkey |
Europe |
|
Turkmenistan |
Asia |
|
Turks & Caicos Islands |
Worldwide |
|
Tuvalu |
Pacific |
|
Uganda |
Worldwide |
|
Ukraine |
Europe |
|
United Arab Emirates |
Worldwide |
|
United Kingdom |
Europe |
|
United States of America |
Worldwide |
|
United States Minor Outlying Islands |
Worldwide |
|
Uruguay |
Worldwide |
|
Uzbekistan |
Asia |
|
Vanuatu |
Pacific |
|
Venezuela |
Worldwide |
|
Vietnam |
Asia |
|
Virgin Islands (British) |
Worldwide |
|
Virgin Islands (U.S.) |
Worldwide |
|
Wallis & Futuna Islands |
Pacific |
|
Western Sahara |
Worldwide |
|
Yemen |
Worldwide |
|
Zambia |
Worldwide |
|
Zimbabwe |
Worldwide |
Keep in mind that some travel insurance companies may exclude cover if you ignore travel warnings issued by the Australian Government and choose to travel to regions listed as ‘Do not travel’ or ‘Reconsider your need to travel’.
Check Smart Traveller for the latest security updates and travel advice.
When considering travel insurance with any company, always read the Product Disclosure Statement (PDS) carefully to make sure that the policy is right for you.
Our Travel Insurance page can give you more information on travel insurance, including quotes, comparing, buying, claims and emergencies.
