On our policy, the countries included within the Europe area of cover are Albania, Algeria*, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czechia, Denmark (including The Faroe Islands), Egypt*, England, Estonia, Finland including Lapland, France (including Corsica), Germany, Georgia*, Gibraltar, Greece (including Crete and all other Greek Islands in the Mediterranean), Hungary, Iceland, Ireland, Isle of Man, Israel*, Italy (including Sardinia, Sicily and all other Italian Islands in the Mediterranean), Jordan, Kosovo, Latvia, Lebanon*, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, North Macedonia, Northern Ireland, Norway (excluding the Arctic island of Jan Mayen and the archipelago of Svalbard), Poland, Portugal (including the Azores and Madeira), Romania, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain (including the Canary and Balearic Islands), Sweden, Switzerland, Tunisia*, Turkey*, Wales, and Vatican City State.
Note the countries indicated with * currently have "Advise against all travel" warnings issued against some regions within those countries, issued by the UK Foreign Office. If you travel to the areas where there is this warning, then there is no cover available to you at all. You can check the areas affected just by visiting https://www.gov.uk/foreign-travel-advice.
Note due to a blanket "Advice against all travel" warning to the whole of Belarus, Libya, Russia, Syria, and Ukraine, we cannot offer any cover at all for travel to these countries.