All persons to be insured must reside at a permanent address in the United Kingdom.
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.
Please be aware that once you’ve started travelling,
the 14-day cooling-off period no longer applies and premiums are non-refundable.
family
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 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 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.
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.
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
The maximum allowable policy duration is 731 days. Please adjust your travel dates to proceed.
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.
We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.
The most important part of any travel insurance. Premier covers up to £10m for hospitalisation, medical treatment and repatriation, Standard up to £5m, and Budget up to £2m.
You don't need to be at home to get covered. Buy a policy from anywhere in the world as long as your residential status is still in the UK — just follow the quote form.
Non-manual and clerical work is covered free. If you're volunteering, WWOOFing or doing any sort of manual labour, the Activity Pack can cover you.
Included on every policy. Covers hot air ballooning, sailing, snorkelling, scuba diving to 18 metres, water skiing, and walking, hiking or trekking up to 2,500 metres — well above Ben Nevis at 1,344 metres and many more.
For a more active trip. Covers offshore sailing, scuba diving to 40 metres, jet skiing, biking, bungee jumping, cycle touring, horse riding, tandem skydiving, via ferrata, white water rafting and trekking to 4,600 metres.
Covers hang gliding, kite surfing, paragliding and multi-pitch rock climbing, plus trekking above 4,600 metres with no upper altitude limit — suited for Kilimanjaro
Mountaineering up to 6,000 metres(organised groups, using ropes and with guides only) as well as Solo skydiving (no personal liability or personal accident cover.
Cover for a week in the Alps or a whole season. Includes snow skiing, snowboarding, cross-country and Nordic skiing, big foot skiing, snowmobiling, and off-piste skiing and snowboarding within resort boundaries.
For skiing and boarding beyond the resort boundary. Adds alpine and ski touring including backcountry, heliskiing, snowcat skiing, kite skiing, paraskiing, ice hockey, snowshoeing away from marked trails, and park freestyle with jumps under 9 metres.
Adventure travel insurance is travel insurance that extends cover to the sports and activities a standard policy leaves out — trekking at altitude, scuba diving, skydiving, paragliding, motorcycle touring and white water rafting among them. Big Cat Adventure Travel Insurance covers over 156 activities and includes up to £10 million of emergency medical and repatriation cover.
Whether you're riding a jet ski in Thailand, paragliding in Switzerland, skydiving in New Zealand, white-water rafting in Costa Rica, climbing Kilimanjaro or driving the Ha Giang Loop, you build a policy around the activities you actually intend to do rather than paying for cover you won't use.
Choose the activity cover that suits your plans, with optional cover for trekking, motorcycle touring, winter sports and volunteering.
If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:
24hrs Medical Emergency Assistance.
Adventure Travel Insurance provides cover for travellers taking part in sports and activities that may not be included with standard travel insurance. Big Cat covers over 156 sports and activities, with additional Activity Packs available for more adventurous pursuits.
Yes. Many sports and activities are included as standard with Big Cat Travel Insurance. For higher-risk activities, you can select the appropriate Activity Pack to extend your cover. Always check that your planned activities are included before you travel.
Our standard cover includes a wide range of activities, including snorkelling, scuba diving to 18 metres, sailing, water skiing, hot air ballooning, and walking, hiking or trekking up to 2,500 metres. More adventurous activities can be covered by adding the appropriate Activity Pack.
It depends on the activities you plan to do. Many activities are covered automatically, while others require an Activity Pack or Extreme Activity Pack. For example, trekking above 2,500 metres and up to 4,600 metres requires the Activity Pack, while trekking above 4,600 metres requires the Extreme Activity Pack, except where specific Nepal trekking cover applies.
Yes. Trekking up to 2,500 metres is included as standard. The Activity Pack covers trekking above 2,500 metres and up to 4,600 metres, while the Extreme Activity Pack covers trekking above 4,600 metres with no fixed upper altitude limit outside Nepal. Specialist cover is available for trekking in Nepal, where different limits and conditions apply.
Yes. If you suffer an accident or illness while taking part in an insured activity, medically necessary helicopter rescue or evacuation can be covered under Emergency Medical Expenses, subject to the terms and conditions of your policy. Specific conditions and excesses apply to helicopter evacuation in Nepal.
Yes. You can add optional Natural Disaster Cover to your Big Cat Travel Insurance policy for additional protection if certain unforeseen events, such as earthquakes, floods, wildfires, hurricanes or volcanic eruptions, disrupt your trip. Cover limits depend on your chosen policy level, and the event must not have been known or foreseeable when the cover was purchased. Please refer to the policy wording for full terms and exclusions.
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.
