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.
Planning to explore more than one country? Our Southeast Asia Travel Insurance can cover multi-country journeys across the region, making it ideal for backpackers, long-term travellers and anyone visiting several destinations on one trip.
Planning a long trip? Our Single Trip travel insurance can cover journeys of up to 2 years, ideal for backpacking, gap years and extended travel around Southeast Asia.
Planning to ride in Southeast Asia? Motorbikes up to 125cc are included, while larger motorcycles can be covered by selecting the appropriate Activity Pack. Policy conditions apply.
Already travelling through Southeast Asia without insurance, or has your existing policy expired? Our Already Travelling Insurance may allow you to arrange cover while abroad, helping you continue your journey with greater confidence.
Travelling to a destination affected by hurricanes, wildfires, earthquakes, floods or other natural disasters? Add our optional Natural Disaster Cover to increase your protection against certain unexpected events before or during your trip.
If illness or injury interrupts your trip, our policies include emergency medical cover, helping protect you against unexpected hospital and treatment costs.
One Trip. Multiple Countries. One Policy.
Travelling through Southeast Asia can mean crossing several borders in a single trip. Whether you're backpacking through Thailand, exploring Vietnam and Cambodia, island hopping in Indonesia or travelling across several countries, Big Cat Travel Insurance can cover your whole Southeast Asia adventure under one policy.
Our travel insurance is designed for longer trips, backpacking and adventure travel, with cover available for medical emergencies, activities, baggage and a wide range of experiences you may have along the way.
Southeast Asia is made for multi-country travel. A single trip might take you from Thailand into Laos, Vietnam and Cambodia before continuing to Malaysia, Singapore, Indonesia or the Philippines.
Rather than arranging separate insurance each time you cross a border, you can choose a Big Cat Travel Insurance policy covering your complete journey.
Policies can cover trips lasting from a few weeks to many months, making them suitable for backpackers, gap-year travellers and anyone planning an extended trip around Southeast Asia.
Depending on the cover and optional packs you select, you can also include many of the activities Southeast Asia is famous for – from trekking and scuba diving to riding a scooter or motorbike.
Yes. You can cover a multi-country Southeast Asia trip under one Big Cat Travel Insurance policy, provided all the countries you visit fall within the geographical area selected. This is ideal if you're travelling through countries such as Thailand, Vietnam, Cambodia, Laos, Malaysia, Indonesia, Singapore or the Philippines on the same trip.
If you're travelling around Southeast Asia for several weeks or months, a Single Trip or Backpacker policy may be suitable. Big Cat Travel Insurance can cover trips lasting up to two years, making it suitable for longer backpacking and gap-year trips across the region.
When riding, you must always ensure you:
If medically necessary following a covered illness or injury, eligible repatriation costs can be covered under the emergency medical section of your policy. The assistance team can work with the treating medical facility to arrange appropriate transportation where required.
Yes. Big Cat Travel Insurance provides emergency medical cover of up to £10 million on Premier, £5 million on Standard and £2 million on Budget. This can cover eligible emergency medical treatment and repatriation if you become ill or are injured while travelling in Southeast Asia.
Yes. If you've already left home, our Already Travelling option allows you to take out travel insurance while overseas. A 48-hour waiting period applies before cover begins, except for accidental bodily injury as specified in the policy
Yes. Scuba diving can be covered, with the level of cover depending on the type and depth of diving you plan to do. Check the relevant activity level when arranging your policy, particularly if diving will be a major part of your trip.
Yes. Trekking can be covered, with standard trekking available up to specified altitude limits and additional cover available for higher-altitude trekking. This can be useful for travellers planning mountain or jungle treks during a longer Southeast Asia trip.
If you become unexpectedly ill with food poisoning while travelling, eligible emergency medical treatment can be covered under your policy. If you're seriously ill and require hospital treatment, you should contact the emergency assistance service as soon as possible.
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.
