It is possible that you could end up on a day trip to another country while on holiday, and your travel insurance policy doesn’t even cover you in that country.

Having a travel insurance policy don’t necessarily mean that you are covered in every single country that you might visit. 

Travel insurance policies usually have specific coverage limits and exclusions based on the country or region you are traveling to. Some policies may only cover certain countries or exclude high-risk destinations altogether. 

It's important to carefully review the terms and conditions of your travel insurance policy before purchasing it, to ensure that it provides adequate coverage for your intended destination(s) and activities. If you plan to visit multiple countries or engage in high-risk activities, you may need to purchase additional coverage or a separate policy that specifically covers those scenarios. It's always better to be prepared and have appropriate insurance coverage in place before embarking on your trip.