How do I select the countries for my trip?
It’s easy! When you do a quote with us, you can simply enter the country or countries that you’re planning on visiting.
And while you’re travelling, if you decide to do a side trip to another country which you haven’t already specified, you can add it to your policy by contacting us. Just make sure you add the country before you leave for that destination to ensure that you have cover for your travel there.
Being able to specify the countries that you’re travelling to has its advantages, including:
- Knowing you have cover for the country or countries you have listed
- We’ll know where you are and may be able to provide country specific assistance and information if required
Also, depending on any additional countries that you’re planning on travelling to, you may not even need to pay an additional premium!
5 Travel Insurance Region Tips
- You have cover for transits of 48 hours or less in a country that’s not specified on your policy.
- If you need to add a country to your policy, you may not need to pay an additional premium.
- Contact us immediately if you have selected the wrong country or region on your policy, or you want to visit other countries not listed on your policy.
- The Worldwide region is the highest region which covers all eligible 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.
What do I do if I’m travelling to a lot of different countries?
If you’re travelling to multiple countries, or you haven’t fully decided on the countries that you’ll be visiting, you can simply select the region that you’ll be travelling to.
Selecting a region would be handy if you’re:
- Going on a Contiki tour which covers too many countries for you to list!
- On a cruise around the world and stopping in many ports along the way
- Going backpacking in Asia for a year with an initial plan of visiting Vietnam and then seeing how you feel after that
- You have a UK Working Holiday Visa and you want to keep your travel options open
When selecting the region that you’ll be travelling to, make sure you pick the correct one, otherwise you may not be covered for your travel to that region or certain countries. Every country has been designated a specific region for travel insurance purposes, so 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 are in the Europe region.
Selecting the incorrect region for your travel destinations could result in your claim being declined, which means you would be responsible for all costs incurred. If you’re seriously ill or injured, these costs could easily add up to hundreds of thousands of dollars for overseas emergency medical expenses.
This guide will help you to select the right geographical region for your holiday and put your mind at ease before you set off for your trip.
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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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
|
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. |
To avoid selecting the wrong region and finding you’re not covered for the country that you’re travelling to, enter all the countries you’ll be visiting. You can also add a region to your selected countries.
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’.
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.
