Travel insurance designed for adventures while traveling.
When planning an overseas holiday with mates, it’s not always easy to agree on the types of activities you’re going to do. Whether it’s hiking, skiing, scuba diving, or other outdoor adventures that you decide on, you may want to consider purchasing travel insurance before you leave.
Even the most careful of travellers should consider having appropriate cover in place, especially if planning on a mix of outdoor activities that will test physical and mental abilities.
The following is a small sample of what World Nomads plans offer (up to the benefit limits):
Emergency medical and evacuation coverage: if at any time during your trip, you or any of your travelling companions become sick or injured, then you’ll need to contact our 24/7 Emergency Assistance Team right away. They can help find the nearest hospital or medical centre and will facilitate your repatriation back to Australia if your treating doctor believes this to be medically necessary.
Trip cancellation coverage: if you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note that the traveller must have already been issued with a travellers Certificate of Insurance from World Nomads to have cancellation coverage available to them.
Coverage for extended stays: if you’re having an awesome time on your trip, and choose to delay your return home, then you may be eligible to also extend your travel insurance policy. You must not have had any change to your health, submitted a claim or intend to and are 69 years old or younger at the time to be eligible to extend. This must be done prior to 11:59pm on the return date that is listed on your policy. The policy may be extended for a total of 12 months from the start date that is indicated on your Certificate of Insurance.
Coverage for baggage and personal belongings: if your baggage or personal items are lost, damaged or stolen, then you’ll need to submit receipts, along with police reports or statements from your carrier (if the belongings were lost in transit).
Your coverage will vary according to whether you choose a Standard or an Explorer plan. The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement (PDS).
During your holiday, you may wish to try activities and sports that aren’t commonly played back home in Australia.
Before purchasing your travel insurance policy, check your PDS to make sure that all the sports and activities that you intend to do are covered. World Nomads provides travel insurance for more than 150 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you should never take for granted that your preferred activities will be covered.
The following are only some of the many sports and activities covered under our policies:
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.
When hunting around for a travel insurance policy, you might be tempted to take the most cost-effective cover without reading through the PDS first. There are different policies to cover different types of holidays, and although reading this document can be a tedious task, it’s best to familiarise yourself with all the benefits, policy limits and exclusions before you purchase your cover.
World Nomads offer two travel insurance plans, the Standard Plan and the Explorer Plan. Both plans may offer protection for many of the same types of risks and can cover the costs associated with hospitalisation, repatriation, replacing lost baggage, as well as other unplanned for expenses.
However, the Explorer Plan offers a level of cover, with a wider range of benefits, and higher policy limits. For instance, you might wish to include cover for hiking or diving on your trip. Therefore, when choosing between the two plans, you would need to know the exact altitudes of your hiking trips and the depths of your planned dives.
As with many of the other activities that we cover, there are different levels of cover for hiking. For example, hiking trips to an altitude of 2,000 metres is classed as Level 1. Hikes to an altitude of 6,000 metres are listed as Level 3. There is no cover under our policies for hiking expeditions that exceed an altitude of 6,000 metres.
Before choosing the right type of cover for your holiday, you need to research the details of any activities, sports, and tours you will be participating in, to make sure the cover is adequate for you.
When deciding which policy is best suited to your adventures you might want to consider:
Note: It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Here are just a few examples of what is not covered under our plans. Please refer to your policy for the complete list.
Whichever country you’re travelling through it always helps to be prepared, here are some general tips for Australian travellers to keep in mind.
Be careful with valuables – wallets poking out of back pockets or unzipped handbags displaying the contents inside are irresistible attractions for pickpockets and muggers. Keep all valuable items safely concealed on your body, or securely locked away in your hotel room when you don’t require them.
Listen to local news updates – during your stay in any country, make sure you pay attention to local news broadcasts, including weather updates. If a violent storm is expected to blast the region in the coming days, then it’s probably wise to postpone any outdoor activities or adventures you had planned until a later date.
Only work with qualified and licensed instructors – if you are planning to participate in any activities that require an instructor, then you should make sure the instructor has received the right training. They must be qualified and licenced to lead hiking, diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
We offer cover for:
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
Protect your trip from unexpected cancellation.
We’ve got your back.
Take the pain out of medical costs.
We’ve got your back.
We'll get you to hospital lickety-split
Help starts here.
Cover your stolen or damaged gear and tech.
Help starts here.
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.