Family:
You and Your spouse or civil partner, or the person with whom You are permanently cohabiting in a marriage-like relationship.

a. unmarried dependent children (including adopted, foster, step-children and grandchildren) aged 17 or under (or aged 22 or under if in full-time education), living in the same household (or living away while attending full time education); and/or
b. if You are divorced or separated, Your natural children aged 17 or under (or aged 22 or under if in full-time education), who do notlive with You on a permanent basis.

Insured Children ages 13-17 can be covered when travelling unaccompanied by the parent(s)/legal guardians but must be accompanied by a responsible adult with parental responsibility being in accordance with the Children Acts 1989 and any statutory amendment modification or re-enactment of it.

One Parent Family:
You and up to five (in total):

a. unmarried dependent children (including adopted, foster, step-children and grandchildren) aged 17 or under (or aged 22 or under if in full-time education), living in the same household (or living away while attending full-time education); and/or
b. if You are divorced or separated, Your natural children aged 17 or under (or aged 22 or under if in full-time education), whodo not live with You on a permanent basis.

Insured Children ages 13-17 can be covered when travelling unaccompanied by the parent(s)/legal guardians but must be accompanied by a responsible adult with parental responsibility being in accordance with the Children Acts 1989 and any statutory amendment modification or re-enactment of it.

Couple:
You and Your spouse or civil partner, or the person with whom You are permanently cohabiting in a marriage-like relationship.

Single Trip - available for persons up to aged 79 ( for Winter Sports aged 64). Max trip duration 180 days or up to 90 days for aged 66 and over.

Annual Multi-Trip - available for persons up to aged 74 ( for Winter Sports aged 64). Unlimited number of trips in any 12 month period, subject to at least 2 nights prearranged accommodation. The maximum duration of any trip is 45 days (limited to 31 days for 70 years or over).

AREA - subject to the FCO travel advice

Europe & CI
All countries in mainland Europe West of the Ural Mountains, Mediterranean Islands, Algeria,Turkey, Canary Islands, Isle of Man, Madeira, the Azores and Eire and including the Channel Islands.

Worldwide including America and Caribbean
Anywhere in the World including North America (USA; Canada & Mexico); Central America (Belize; Costa Rica; El Salvador; Guatemala; Honduras; Nicaragua; & Panama) ; South America (Argentina; Bolivia; Brazil; Chile; Colombia; Ecuador; French Guiana; Guyana; Paraguay; Peru; Suriname; Uruguay & Venezuela) and the islands of the Caribbean but excluding China (due to the FCO advises against all but essential travel)..