Travel Insurance: What can I claim for?

Travel insurance is designed to help cover your expenses if something unexpected goes wrong on your trip. It's not a substitute for your primary health insurance, and it won't cover non-essential overseas medical treatment, such as routine exams.

What am I covered for?

To give you an idea of benefits you may be able to claim, our policies offer cover (up to policy limits) for benefits including:

Note: you should always refer to your Product Disclosure Statement (PDS) for the full description of benefits and exclusions and of course you can always contact us with any questions or concerns.

Our Policies

We offer two plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.

Get a quote 24/7

With World Nomads you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.

What’s not covered?

Travel insurance isn’t designed to cover everything so make sure you read your PDS for what is and isn’t covered. That way there are no surprises if you need to use it.

Some of the main things that aren’t covered include:

  • Any existing medical condition
  • Where care is available under any Reciprocal Health Care Agreement
  • Any medical expenses incurred within Australia
  • Expenses which are not reasonable or medically necessary; routine treatment; elective treatment.
  • Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a ‘Do not travel’ warning issued by the Australian Government (see
  • Being under the influence of alcohol or drugs
  • Anything else that’s listed in the General Exclusions and specific section exclusions in the PDS.

How do I make a claim on my travel insurance?

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.

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