Travel Insurance. What We Cover.

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We're travellers too, that's what makes us different.

When we founded World Nomads over 10 years ago we created a service that covered the way we travelled.

What We Cover

What we cover changes depending on where you're from so get a quote to see what you're covered for.

When We
You need Medical help for sudden illness or injury. Cover emergency overseas medical treatment including treatment in a clinic or hospital, plus medicines and physiotherapy as prescribed by your treating Doctor to get you well and keep you travelling.
You need emergency medical evacuation for Sudden Illness or injury. Cover your transport to the nearest, appropriate medical facility, which also includes your medical repatriation for further treatment at home. Plus it includes, reasonable additional travel and accommodation expenses for a friend or relative to accompany you while you're in hospital and/or during repatriation.
You have to cancel your trip due to unforeseeable events outside of your control. Covers the costs to cancel all or part of your trip in certain circumstances including a sudden illness or serious injury, natural disasters, strike or lost passports.
Your gear is stolen or damaged whilst travelling. Cover theft or accidental damage of your gear such as iPads, laptops and digital cameras in specific incidents up to individual item limits. We also allow you upgrade your cover to increase these item limits.

Any questions? Just ask us.

What's not covered

A good rule of thumb is to remember that insurance is there for things that might go wrong and will not generally cover things you already know about or extreme risks.

  • Stupidity. (We're serious).

    Leaping off a third floor balcony into the pool below might seem like a fun thing to do when you are 18 and overseas, except when you miss. And Trekking across the arctic in a t-shirt is not conducive to picking up your pension.

    Everyone wants to have fun when they're away, but think about how to avoid un-necessary risks. When you are in an unfamiliar environment, you're potentially vulnerable so be more cautious than you would when you’re at home.

    Insurance is there to cover things that may happen, not things that most probably will. We witness enough tragedies as it is, so please THINK about your experience, your limits and what you're doing when you travel. It doesn't matter whether you are 19 and it's your first trip overseas or 59 and have seen half the world, don't do things that are plain stupid, because deliberately putting your life in danger isn't covered.

  • Alcohol is dangerous. Even on holiday.

    Crossing a street in Ho Chi Minh is hard enough when you are stone-cold sober and have your wits about you, but after a bottle of wine or a few beers your judgement is likely to be impaired, sometimes with serious consequences. If something happens and alcohol is a factor, any claim is likely to be denied.

    It happens.

    From being hit by a Tuk-Tuk to people stumbling off cliffs, people have accidents more often after alcohol. Yes, we know that most people enjoy a drink while on holiday but you aren't covered for any claim where alcohol is a factor.

  • Sexually Transmitted Diseases

    If you meet someone to engage in sexual activity and as a result wake up in the morning with no bag, passport and a headache, it could still get a whole lot worse. Not only do we not cover claims arising from Sexually Transmitted Diseases (STDs) but you could die from any number of infections.

  • Don't go there

    Thinking Somalia or Afghanistan looks OK for some adventure this year? Probably not a great idea. While we cover travel for most countries of the world, travel insurance inevitably contains exclusions, one of which relates to where you can go. If you go somewhere and you know it's not safe or your government's travel advisory advises you not to go there, then you are unlikely to be covered.

    We try to help guide you find the safer path, but check your government travel advisory before heading to somewhere known to be a war zone or be experiencing civil unrest. If you're not sure, then ask us, that's what we're here for.

  • Existing Medical Conditions

    Existing Medical Conditions generally aren't covered, which means that you are covered for all the usual things should something happen except if they relate to a medical condition you had or were aware of before you bought it.

    For example, if have a heart condition and you get hit by the proverbial bus, we'll help you because the accident had nothing to do with your Existing Medical Condition, but if you have a heart attack then fall in front of the bus, then you wouldn't be covered.

    Of course its impossible to talk to every possible situation or condition but if you do have an Existing Medical Condition then always contact us before you buy.

The Policy Wording

Travel insurance is not a catch all for everything.

We often spend months planning a trip, so its worth taking a small amount of time to read the policy wording and being clear on what you’re covered for and what you're not. After you buy a policy we email you the Policy Wording, so use the cooling off period to understand it. All travel insurance policies have specific exclusions so it's both important and common-sense to read the policy wording carefully.

Policy wordings vary depending on where you're from, so get a quote to see the right one for you.