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.
Cover for 120+ Activities
Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.
Home Visits covered
If policy duration is over 4 months: You can put your travels on hold and return home at any time, even if it's not necessary and you're just a bit homesick. We have no limits, so you can be back for as long as you like.
Working while abroad
Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Pack can cover you.
Get Cover if Already Travelling
You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK. Just follow the Quote form to get a price and complete your purchase.
No return ticket required
You don't need to know when you'll be returning home to get cover. So if you're on an open ended trip, or emigrating, we can cover you.
Extend cover from Overseas
If at any point you realise you're not quite ready to return home, you can extend your insurance to include the remainder of your trip. Even if you don't have a Policy with us.
Cancellation & Baggage
Cover
24 hour Emergency
Helpline
Up to £10m Medical
Cover
Claim while you're
Travelling
Long Stay Travel Insurance
Long Stay travel insurance is not just for Gap Year young people between school and university, or those between graduation and the start of a new career, it can be anyone of working age taking an extended break from their normal life to embark on a adventure abroad.
Big Cat’s long stay travel insurance policies are designed for gap year travellers, backpackers, students, and people of all ages up to 69 years embarking on an extended trip abroad. We offer three great-value levels of cover – Budget, Standard and Premier – to suit your budget and the extent of the cover you require.
Key benefits of Long Stay Travel Insurance include:
- Worldwide cover for policies up to 12 months, depending on your age and where you intend to visit.
- Special discounts for long stay travel insurance for travel to Australia and/or New Zealand.
- Emergency Medical and Repatriation Expenses up to £10 million on Premier policy.
- Personal Liability up to £2 million on Premier policy.
- Return trips home allowed, subject to conditions.
- No requirement to have a pre-booked itinerary.
- Cover if you wish to undertake light-value or volunteer work.
- Lots of adventure activities covered on our Activity Pack.
- Facility to arrange or extend Insurance when already travelling.
- Money-back 14-day cooling off period if you decide to cancel prior to departure.
Levels of Cover
Big Cat Travel Insurance offers 3 levels of cover with varying compensation levels depending on your budget.
All levels are per person basis
- Budget – maximum age 50yrs
- Standard – maximum age 69yrs
- Premier – maximum age 69yrs
Gap Year Insurance
For Gap Year travellers we don’t just mean young people between school and university, or those between graduation and the start of a new career, it can be anyone of working age taking an extended break from their normal life to embark on a adventure abroad.
Read More..
Trekking and Hiking
For many people a holiday means a week or two relaxing on a beach or beside a pool. But why idle all day on a sun lounger when you can be strolling through an alpine meadow, breathing in pure air, exploring glaciers, passing behind waterfalls or hopping over mountain streams?
Backpackers Travel Insurance
Big Cat’s Backpacker travel insurance policies are designed for backpackers, gap year travellers, students, and people of all ages up to 69 years embarking on an extended trip abroad. If you plan to backpack for an extended period, we reckon that you’ll want to explore your choice of destinations independently and at leisure, without any pre-booked accommodation.
Read more..
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.
