Our flexible cover options
Whether you're taking a break abroad or enjoying a staycation, we have a policy for you.
- Single trip - get comprehensive travel cover for your one-off getaways.
- Annual multi-trip - take several trips within a year and we can cover you for up to 62 days per trip.
Click the buttons below to find out more about our cover options.
Choose from 3 levels of cover
Simply choose from our three levels of cover to get the protection you need when you're travelling. We offer:
- Rias Silver Travel insurance
- Rias Gold Travel insurance
- Rias Platinum Travel insurance
Take a look at our optional extras
This will depend on what you want to be covered for. You may wish to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could need to declare.
We offer a variety of products to help you pick the right one according to your holiday plans and needs.
Our Single Trip policy provides cover for ages up to 100 years old no matter where you are travelling. For Annual Multi-Trip cover, if your trip destination is within Europe or Worldwide Excluding Mexico, USA, Caribbean and Canada you must be aged 80 or under at the start of the policy period. For Worldwide including Mexico, USA, Caribbean and Canada policies, you must be aged 75 or under.
If you purchased your insurance through a comparison site such as Moneysupermarket.com or Compare the Market and have purchased a Single Trip policy and your trip destination is within Europe or Worldwide Excluding Mexico, USA and Canada you must be aged 85 or under. For Worldwide including Mexico, USA, Caribbean and Canada policies, you must be aged 75 or under.
For our Annual Multi-Trip cover, if your trip destination is within Europe or Worldwide Excluding Mexico, USA, Caribbean and Canada you must be aged 75 or under. For Worldwide including Mexico, USA, Caribbean and Canada policies, you must be aged 70 or under.
Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.
For Single Trip policies, the maximum trip durations are:
Age 65 and under - 365 days / Age 66 to 75 – 62 days / Age 76+ – 31 days
For Annual Multi-Trip policies, the maximum trip durations are:
Age 65 and under – 62 days/Age 66-75 – 45 days/Age 76-80 years + - 31 days.
We do not cover anyone, at any time, who is a resident of the Channel Islands and Isle of Man.
The benefits, limits and excesses within your policy are per person, per incident, limited to two excess amounts if more than one insured person is claiming, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.
Where a claim is made for the same incident only one excess will apply per trip, per insured person (max 2). An incident is one single scenario where more than one claim is made under different sections.
You'll need to provide evidence to substantiate your claim such as, but not limited to, a medical certificate or an official test result.
Please note: Your policy will not cover cancellation if you do not want to quarantine or self-isolate when you return to your home area.
You should ensure that each of the holidays you are planning will be covered by the policy you have selected.
Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).
Neither the UK GHIC or UK EHIC covers you for repatriation back to the UK, so it is recommended that you ensure you have sufficient insurance. Travel insurance also offers other benefits not covered by the UK GHIC.
You can use a UK passport to get medically necessary healthcare in Norway. (for example emergency treatment, or to treat a pre-existing condition). Some people can apply for a new UK EHIC that they can continue to use from 1 January 2021 in the EU, Norway, Iceland, Liechtenstein and Switzerland.
Visit Foreign, Commonwealth & Development Office or the NHS to find out exactly what you are covered for and how to apply.
There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is more than8 weeks (16 weeks for a multiple birth) after the end of the trip, are excluded.
As cruise holidays cover many different destinations, please ensure you’re covered for each country you’ll be visiting.
Maximum age for Winter Sports Cover is 65.
Please call Customer Services on 0345 165 5762 to amend or update your policy.
Emergency Assistance 24 hours, 7 days a week
Call: 0203 336 7441.
If you have selected a destination in Europe this will show on the policy schedule as Europe 1, 2, 3 or 4. Europe does not include Egypt, Israel, Morocco or Tunisia.
Europe group 1
Austria, France, Germany, Republic Of Ireland, Switzerland.
Europe group 2
Aland, Albania, Andorra, Baltic Islands, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Estonia, Finland, Gibraltar, Guernsey, Hungary, Iceland, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia West of Urals, San Marino, Serbia, Slovakia, Slovenia, Sweden.
Europe group 3
Corsica, Denmark, Faroe Islands, Italy (including San Marino, Sardinia, Sicily and Vatican City), Sardinia, Sicily, Spain (excluding Balearic Islands and Canary Islands), Svalbard Islands, Vatican City State (Holy See).
Europe group 4
Akrotiri, Algeria, Armenia, Balearic Islands, Belarus, Canary Islands, Corfu, Crete, Cyprus, Fuerteventura, Georgia, Gozo, Gran Canaria, Greece, Greek Islands, Ibiza, Jordan, Jordan River, Kos (Greek Island), Lanzarote, Libya, Libyan Arab Jamahiriya, Mallorca, Malta, Menorca, Minorca, Moldova, Rhodes (Greek Island), Tenerife, Turkey, Ukraine.
If you have selected a destination of Worldwide excluding USA, Canada and the Caribbean this will show on your policy schedule as Worldwide excluding USA, Canada and Caribbean 1, 2, 3 or 4.
Worldwide excluding USA, Canada and Caribbean 1
Argentina, Ascension Islands, Ashmore and Cartier Islands, Azores, Bali, Belize, Bermuda, Bolivia, Brazil, Brunei, Cambodia, Colombia, Dubai, El Salvador, Falkland Islands, French Guiana, Greenland, Guatemala, Guyana, Honduras, Indonesia, Kenya, Kiribati, Korea, Republic Of Kuwait, Lao People's Democratic Republic, Laos, Macau, Marshall Islands, Micronesia, Federated States Of Mongolia, Nauru, Nicaragua, Palau, Panama, Paraguay, Peru, Saudi Arabia, Suriname, Taiwan, Tanzania, Uganda, United Arab Emirates, Uruguay, Venezuela, Vietnam, Yemen.
Worldwide excluding USA, Canada and Caribbean 2
Afghanistan, American Samoa, Angola, Antarctica, Azerbaijan, Bangladesh, Benin, Bhutan, Botswana, Bouvet Island, British Indian Ocean Territory, Burkina Faso, Burma, Burundi, Central African Republic, Chad, Christmas Island, Clipperton Island, Comoros, Cook Islands, Côte d'Ivoire, Djibouti, East Timor, Equatorial Guinea, Eritrea, Ethiopia, Fiji, French Polynesia, French Southern Territories, Gabon, Ghana, Goa, Guam, Guinea, Guinea Bissau, Heard and McDonald Islands, India, Ivory Coast, Kashmir, Kazakhstan, Kyrgyzstan, Leeward Islands, Lesotho, Liberia, Madagascar, Malawi, Malaysia, Mali, Mariana Islands, Mauritania, Mauritius, Mayotte, Midway Island, Mozambique, Myanmar, Namibia, New Caledonia, Niger, Nigeria, Niue, Norfolk Islands, Northern Mariana Islands, Oman, Pakistan, Papua New Guinea, Pitcairn Islands, Reunion Island, Rodriguez Island, Russia East of Urals, Rwanda, Sabah, Saipan, Samoa, Sao Tome & Principe, Sarawak, Senegal, Seychelles, Sierra Leone, Solomon Islands, South Georgia and the South Sandwich Islands, Sri Lanka, St. Helena, Swaziland, Tahiti, Tajikistan, Togo, Tokelau, Tonga, Tristan Da Cunha, Turkmenistan, Tuvalu, Uzbekistan, Vanuatu, Wake Island, Wallis & Futuna, Western Sahara, Western Samoa, Zambia, Zanzibar, Zimbabwe.
Worldwide excluding USA, Canada and Caribbean 3
Chile, Costa Rica, Ecuador, Galapagos Islands, Nepal.
Worldwide excluding USA, Canada and Caribbean 4.
China, Hong Kong, Japan, Mexico, South Africa, Thailand.
If you have selected a destination of Worldwide including USA, Canada and the Caribbean this will show on your policy schedule as Worldwide including USA, Canada and the Caribbean.