Where do you live
All persons to be insured must reside at a permanent address in the United Kingdom.
Can I take out this insurance if I am already travelling?
If you purchase cover after leaving the United Kingdom having started your trip, a 48-hour waiting period applies before your policy becomes active. For cover to be valid, the “Already Travelling” extension must be shown on your Booking Invoice or Validation Certificate. Illness that develops during this 48-hour period will not be covered, as it will be treated as a pre-existing medical condition. However, if you suffer a serious accident during this time, you’ll be covered straight away, provided it is independently witnessed and confirmed by a medical professional.
IMPORTANT
Please be aware that once you’ve started travelling,
the 14-day cooling-off period no longer applies and premiums are non-refundable.
family
family
Definition of a couple
A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.
If you do not qualify as a couple, please select individual(s)
Annual Multi-Trip Durations
Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.
Annual Multi Trip trip limits:
Standard policy - 35 days
Premier policy - 90 days
If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.
Important Notice
Important Information
By selecting the "one-way" travel option or traveling without a pre-booked return ticket to your home country, note the following exclusion:
Curtailment, Section D: Return travel expenses to your home country will not be covered in the event of a curtailment claim if you do not have a valid return ticket to your home country.
Trip Type
Geographical Areas
Europe:
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.
Australia & New Zealand:
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide excluding North America & Mexico:
(North America means the USA, Canada & Mexico.)
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide including North America & Mexico:
Worldwide means anywhere in the World including the USA, Canada & Mexico.
To
Automatic Trip Extension
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack.
Please ensure you arrange cover for the entire duration of your travel
Policy Duration Error
The maximum allowable policy duration is 731 days. Please adjust your travel dates to proceed.
Where you normally reside
Where do you normally reside? Where do you normally reside?
Please use the drop down box to choose your country of residence. Note we can only insure residents of the United Kingdom.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK Country and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad.
Do you have minimum residency requirements?
No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.
Age Restriction Error
We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.
Whatever you're doing, we've got you covered.
Single Trip travel insurance
Single Trip travel insurance is ideal for most holidays, including business travel, Gap Years and backpacking trips. One policy can cover travel to multiple countries, with the option to add cover for activities such as trekking, skydiving and WWOOFing.
Already Travelling
It’s not uncommon for people to head off on their travels without taking out insurance, or to find out once they are already overseas that their travel insurance has run out. But, we can still provide you with cover, or we can extend your existing insurance to cover the rest of your travels
Annual Multi-Trip
An Annual Multi Trip Travel Insurance policy covers multiple short holidays or business trips each year, with trips of up to 35 or 90 days at a time.
You can tailor your cover with adventurous activities, Winter Sports, and the option to reduce your excess to £0.
One Way
A One-Way policy can cover emigrating to new country where you intend to permanently live or returning to your home country permanently.
Please note all cover ceases upon arrival at final destination
Backpackers
Backpackers travel insurance is designed for long trips abroad, including Gap Years, extended travel and round-the-world adventures. Our policies are available to students and travellers of all ages up to 69, with the option to customise your cover using optional add-ons.
Winter Sports
Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.
What makes us special?
Great Value
Big Cat is big on value. Our three levels of price-busting cover is sure to match your budget and the insurances you require.
Activity Specialists
Adventure is something we love at Big Cat. That’s why we specialise in providing cover for an extensive range of adventure activities fit for thrill-seekers.
Extend Cover while abroad
If you realise you’re not quite ready to return home, you can extend your insurance to include the remainder of your trip — ideal for longer stays such as Australia backpacker travel insurance for Working Holiday Visa travellers.
24/7 Emergency Response
We’ll be there for you when it matters. Our Medical Emergency Assistance is just a phone call away, 24 hours a day, 7 days a week.
Baggage & Personal Effects
Cover for, luggage, clothing, personal effects, personal money, tickets or documents of any kind is included up to the value of £2,000
Gadgets & Valuables
Protect your gadgets (mobile phones, iPods, iPod touch and/or accessories, ), sports equipment & other valuables such as watches and jewellery up to £1,000.
Big Cat Travel Insurance is a trading name of Flynow.com Ltd (registration No.FRN 1022075) who is authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register at www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2026 Big Cat Travel Insurance Services. All rights reserved.
