Unsure how travel insurance works, and why you might need it? Get your answers here.
We do our best to make travel insurance both simple and flexible, but questions still come up. Here are answers to some of the questions we get asked the most.
This is just a brief summary – for more details, or if you have a question that's not on this list, please contact us.
This information is for residents of the BRAZIL only.
Travel insurance is designed to help cover your expenses if something goes wrong on your trip, and fill any gaps that wouldn't be covered by your primary medical insurance or other insurance you may have. It's not meant to be a substitute for primary medical insurance and won't cover non-essential medical treatment, such as routine exams.
World Nomads Travel Insurance only covers international travel. You pay the insurance company a fee, called a "premium," which can vary based on where you're traveling, how long your trip is, your age, and what activities you plan to participate in. The insurance company agrees to cover costs (up to a certain limit) for things like emergency medical treatment, lost or stolen luggage, delayed flights, or nonrefundable expenses should you have to cancel your trip.
Travel insurance can be an affordable way to protect yourself against unforeseen events. Having to cancel your long-anticipated trek in Patagonia due to a family emergency is bad enough without having to forfeit all your costs as well. Also, your personal medical insurance may not cover costs while traveling out of the country or might exclude certain activities. With travel insurance, you can explore your boundaries (within reason, of course) and still be covered.
The full list of things we cover is too long to include here, but in general our coverage includes:
Travel insurance isn’t designed to cover everything. Terms, conditions, and exclusions do apply, so be sure to read the full Travel Protection Plan to avoid surprises. You can view your policy after getting a quote.
Here are the main things that aren’t covered:
We know our World Nomads like to get active when they travel, so we cover more than 180 sports and activities at a range of levels, depending on whether you buy our Standard or Explorer Plan. Check out this complete list to see if the adventure you're after is on it.
But we don't cover carelessness. You must be acting responsibly at all times and not put yourself deliberately in danger.
Brazil is your country of residence if you're a Brazilian citizen or resident with a Brazilian residential address and unrestricted right of entry into Brazil. You must be able to provide documentation (an utility bill, for example) to prove your Brazil address.
If you get sick or injured on your trip and need to be transported back home, it's important for us to know where you live (for obvious reasons). And while no one likes to think about this, we need to know where to transport your remains if you die.
We also need to make sure we connect you with the right travel assistance team, who can coordinate with your home doctor and insurance provider if necessary, and help with other country-of-residence-specific things like helping you with orientation to replacing a lost passport.
Insurance partners and regulations vary depending on your country of residence, so what's covered under your Brazil policy may differ from what's covered under your Aussie or French or Canadian travel buddy's plan. For the same reason, prices will also vary for travelers from different countries, even if they're on the same trip. And regulations can even vary between states, which is why you need to select a home state when you ask for a quote.
Yes but not all of them. Please refer to your policy to see which restrictions apply.
Yes. World Nomads will arrange and pre-pay emergency medical assistance.
But the insured can pay out of pocket and then submits a claim to be reimbursed too.
In all cases – even if your injury or illness seems fairly minor – you should call our 24-hour Emergency Assistance number.
Our team can help you with finding the most suitable medical facility, negotiating fees, and expediting payment. This will also establish a claim record, so the claim can be resolved more quickly.
Keep in mind, World Nomads travel insurance is secondary to any health coverage you have at home, which means it does not cover care or treatment that is payable under your other policy. Our coverage will pay additional expenses (up to the policy limit) after your primary insurer has paid whatever it is obligated to pay.
Yes, you can be traveling anywhere in the world and still buy a policy. You can purchase it for any duration you choose (from 1 day up to 180 days). Check the policy wording for details on when coverage begins and ends.
We aren't able to extend your existing policy, but if you extend your trip, you can buy a new policy online while you're traveling. Just sign into your World Nomads membership and follow steps to purchase a new policy.
Some limitations apply – get more details here.
You can claim online while traveling or after you return home. You can also contact the Customer Service Team for help.
Claiming online is easy. If you're already a World Nomads member, you'll just need to sign in, follow the claims path and attach your supporting documents. If you're not a member, you can either create an account which lets you lodge most claims electronically or you can get in touch with our customer service team, who'll send out a paper form for you to complete.
Before you submit your claim, gather all relevant bills, invoices, and other documentation providing evidence of the covered incident, which will help the claims team assess and process your claim. Depending on the type of claim, these documents might include:
If you're unsure what documents you’ll need, just call our Customer Service Team:
You can contact us anytime.
If you are in Brazil:
If you are not in Brazil, please send an email to: [email protected]
We’re available: Monday to Friday 8h to 20h and Saturday 8h to 18h.
Protect your trip against unexpected cancellation.
We’ve got your back.
Take the pain out of medical costs.
We’ve got your back.
Emergency medical transportation: we’ll get you to hospital or home quickly.
Help starts here.
Covers the loss, theft or damage of your bags by a common carrier.
Help starts here.
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are 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: +1 877-660-2844 (collect from anywhere in the world)
Phone: (11) 2526-9312 (from Brazil)
Whatsapp: +57 316 851-0533
Wherever you are, we’re here 24/7 to help you in any emergency.
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.