0333 003 3161
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
Select the type of policy most suitable for your needs.
A flexible policy designed for travellers going abroad on a continuous trip, whether short-term or long-term. Suitable for backpacking, long stays and multi-country travel. There is no requirement to hold a return ticket at the time of purchase. Where a policy is longer than four months, temporary return visits to your home country are permitted in line with the policy terms.
Single Trip (IEC Canada):
This option is for travellers going to Canada on an International Experience Canada (IEC) visa (Working Holiday, Young Professionals or International Co-op). It is designed to meet IEC insurance requirements and should only be selected if you are travelling on an IEC visa. IEC visas are available to applicants aged 18–35, so this option is intended for travellers within that age range. If you are travelling to Canada but do not meet the IEC age criteria, please select the standard Single Trip option instead.
One Way Trip:
This option is suitable if you are emigrating to a new country where you intend to live permanently, or if you are returning to your home country on a permanent basis. Cover will end upon arrival at your final destination. Please note that there is no cover for emergency return travel expenses if you do not already hold an original return ticket.
Annual Multi-Trip:
This policy covers an unlimited number of trips within a 12-month period of insurance. Each individual trip has a maximum duration depending on the level of cover selected. For Standard policies, the maximum length of any single trip is 35 days, and for Premier policies the maximum length of any single trip is 90 days.
If you are already travelling, it is not possible to purchase an Annual Multi-Trip policy.
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
When should my cover start?
Usually, this should be the date you leave the UK to begin your trip.
If you are not already travelling, eligible Standard and Premier policies also include Cancellation cover from the date you purchase your policy, even if your selected cover start date is later.
So, for example, if you buy your policy today but fly in two months’ time, you would normally select your departure date as the Cover Start Date.
What if I don’t know when I’m coming home?
That’s fine. If you are travelling without a fixed return date, simply enter your best estimate of when you expect your trip to end.
Our Single Trip policies can be extended while you are travelling, subject to the policy terms, so you do not have to return home on the date you originally select. If your plans change, you can extend your cover as you go.
Please note: If you need to claim under the Curtailment section of cover for return travel expenses to your home country, these can only be considered if you had a return journey booked before the circumstances giving rise to the claim.
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.
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. We specialise in providing travel insurance without the need of a return ticket.
Are you Emigrating?
You can insure your travels to your place of a new residence, even if you're not taking a direct route. So if you're flying straight there, taking a short - or long - detour, we've got you covered.
Cover for 156+ 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.
Cancellation & Baggage Cover
24 hour Emergency
Helpline
Up to £10m Medical
Cover
Claim while you're
Travelling
Travel Insurance for One Way Travel
It’s perfectly normal to travel without a return ticket – especially if you’re backpacking, emigrating, or planning an open-ended adventure. However, finding travel insurance without a return ticket can be difficult, as most insurers require proof of a return journey before issuing cover.
At Big Cat Travel Insurance, we specialise in one way travel insurance designed for travellers who don’t yet have a confirmed return date. Whether you’re heading abroad indefinitely or moving overseas, our policies provide flexible protection without the need for a return ticket.
You can choose cover from 1 day up to 24 months, with the option to extend your policy while still travelling. We also offer three levels of cover – Budget, Standard, and Premier – so you can select the level of protection and price that best fits your trip.
Some FAQ's:
If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including: 24hrs Medical Emergency Assistance. Riding a motorbike or scooter up to 125cc does not require an Activity Pack add-on. Riding a motorbike over 125cc can be covered with our Activity Pack add-on. If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences. When riding, you must always ensure you: Means WWOOFing, fruit picking, casual farm work. Other Manual Work can be covered as long as it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools. Please get in touch if you'd like to find out if we can provide cover for any light manual work you will be doing. WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered. (see above) Yes, bar work or working in a chalet is automatically covered with all of our policies. Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing. With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below). Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools. To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras. Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.
Key Features of One Way Travel Insurance:
- Cover for over 156 sports & activities.
- Worldwide cover for trips up to 24 months.
- Emergency Medical and Repatriation Expenses up to £10 million.
- Personal Liability up to £2 million.
- Baggage & Personal Effects up to £2,000.
- Gadgets & valuables up to £1,000 (If optional extra selected).
- Legal Expenses up to £15,000.
- Personal Money up to £500.
- Tickets up to £1,000.
- Passport and Visa up to £300.
- Unrestricted return trips home (subject to terms and conditions)
- Cover if you wish to undertake light-manual or volunteer work.
- Facility to arrange or extend Insurance when already travelling.
- Money-back 14-day cooling off period if you decide to cancel prior to departure.
*Please note that there are certain optional extras which can be added to the one-way policy that are not included automatically, these can be found on page 3 of the quotation process.
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.
