Travel Insurance Terms Explained
 

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Territorial Limits

The cost of the insurance policy varies depending on where you intend to travel mainly because the cost of medical care is more expensive in some countries, particularly the US. However, most policies enable you to travel outside the policy area for up to 25% of the trip without paying more e.g. if you intend to spend nine months backpacking in Australia and South East Asia you can spend up to three months in the USA without paying the additional premium.