Unsure how travel insurance works, and why you might need it? Get your answers here.

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Frequently asked questions

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.

  • What is travel insurance?

    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.

  • What's covered and what's not?

    The full list of things we cover is too long to include here, but in general our coverage includes:

    • Emergency medical and dental expenses (including accidents that happen while participating in one of our many covered sports and activities)
    • Emergency evacuation (medical and non-medical)
    • Trip delay, cancellation, or interruption due to an unforeseen event
    • Lost, delayed and damaged bags

    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:

    • Non-emergency medical expenses, such as eyeglasses or contact lenses, routine physical exams, or cosmetic procedure
    • Items left unsupervised in a public place or unattended vehicle
    • Gear damaged while in use
  • What activities, sports and adventures are covered by World Nomads?

    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.

  • What is my country of residence?

    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.

    Why do I need to provide proof of residency?

    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.

    Why does coverage differ between different countries of residence?

    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.

  • Does my travel insurance cover medical costs upfront?

    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.

    Your World Nomads policy is provided through Chubb Seguros:

    • Phone: +1 (212) 315-1806 (from anywhere in the world)
    • Phone: 0800-591-1043 (from Brazil); or
    • Whatsapp message: +54 911 3053-3959
  • How can I make a claim?

    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:

    • A copy of your trip itinerary and/or invoice showing departure or return from Brazil
    • A copy of your Brazilian driver’s license or government-issued I.D.
    • Statements showing your payment for the trip
    • An official written report (police, hotel staff, airport staff etc.) of lost, stolen, or damaged items
    • Credit card statements showing payment for medical services rendered
    • Written documentation of trip cancellations or delays, including reason for delay, revised itineraries, and receipts for additional expenses incurred

    If you're unsure what documents you’ll need, just call our Customer Service Team:

    Your World Nomads policy is provided through Chubb Seguros:

    • Phone: +1 (212) 315-1806 (from anywhere in the world)
    • Phone: 0800-591-1043 (from Brazil); or
    • Whatsapp message: +54 911 3053-3959


Have a question that's not on this list?

You can contact us anytime.

If you are in Brazil, call 0800-722-4825 (local toll free). We’re available 24 hours a day, 7 days a week.

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Did you know travel insurance covers...

You can also buy away from home. Plus, you can claim online anytime, anywhere in the world.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip against unexpected cancellation.

  • Explorer Plus: USD $1,500
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Trip Protection
  • Are you or your family sick, injured or dead?
  • Natural disaster or terrorist attack where you’re going?
  • Called to active service?

We’ve got your back.

Medical Expenses Overseas

Take the pain out of medical costs.

  • Explorer Plus: USD $100,000
  • Explorer Plan: USD $70,000
  • Standard Plan: USD $30,000
Medical Expenses Overseas
  • Need drugs quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation and Repatriation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plus: USD $80,000
  • Explorer Plan: USD $60,000
  • Standard Plan: USD $40,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dies?

Help starts here.

Checked-in Baggage Loss

Covers the loss, theft or damage of your bags by a common carrier.

  • Explorer Plus: USD $1,200
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Checked-in Baggage Loss
  • Go Pro Gone?
  • Laptop Lost?
  • Sports Gear Stolen?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Trip Cancellation or Interruption
  • Baggage
  • Emergency Medical Evacuation & Repatration
  • 24 Hour Assistance Services
  • And more (depending on your country of residence)
This is a general summary for Brazil residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

We cover 180 activities you love + more

Snow 28 activities
Water 38 activities
Air 9 activities
Land 61 activities
Sports 54 activities
Experiences 8 activities
  • Scuba diving
  • Surfing
  • Snowboarding
  • Skiing
All activities are included in the Standard, Explorer and Explorer Plus Plans.

24/7 emergency assistance

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?

Your World Nomads policy is provided through Chubb Seguros:

Phone: +1 212-315-1806 (from anywhere in the world)

Phone: 0800-591-1043 (from Brazil)

WhatsApp message: +54 911 3053-3959

Travel insurance. Simple & flexible.

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.

Underwritten by:

Insured by Chubb. For Brazilian residents, we partner with Chubb to provide travel insurance products, customer service for 24/7 urgencies and emergencies, and claims service. You can purchase your insurance in up to six installments.