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Travel Insurance for Overseas Travel Accidents

For when your adventure becomes a misadventure.

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Cover for accidents overseas is a critical part of planning for any adventure. Whether you’re exploring on the map or hurtling off it, serious accidents can happen anywhere, anytime.

What’s covered by World Nomads travel insurance if I have an accident overseas?

If you’re injured in an accident, you can be covered for emergency medical treatment including:

Hospitalization
Day surgery and out-patient treatment
Visits to registered medical practitioners
Prescribed medicines
Medical evacuation including air ambulance

We also have 24 hour multi-lingual assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family, and help you navigate local customs.

Depending on your policy and your country of residence, there are limitations – doing a bit of research on where you’re going will help you pick the right policy.

What’s not covered?

If you’re on drugs or have been abusing alcohol
If you’re doing an activity the policy doesn’t cover
If you’ve been acting like a fool and taking needless risks
If you ride a motorbike without a helmet or the correct licence

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.

Emergency Assistance for travel accidents

It's essential that you get in contact with our emergency assistance teams as soon as possible so that our teams can support you from the time you get injured until the time you get home.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

Your policy number
A contact number for where you are now
The nature of your problem
Your location

Moped Accident in Koh Tao.

I was injured in Koh Tao, Thailand in a moped accident. The moped turned over onto my foot and a sprained/injured ligaments and tendons in my left foot. I am unable to walk on my foot at all. The doctor gave me a boot in lieu of a cast, and crutches stating that I could not bear any weight on my foot for a minimum of 3 weeks. I was also told to rest my foot, and could not do so while traveling and needed to come back to the US for help getting around as well as time to heal.

C.Halstead. American in Thailand.
Claim Paid: $620.22

Reconnect with the world with World Nomads travel insurance.

Itching to travel again?

Explore the world with World Nomads travel insurance. Our plans provide coverage for certain claims arising from Coronavirus (COVID-19). Conditions and exclusions apply. For more information, visit Travel Insurance & COVID-19 and our Travel Insurance & Coronavirus (COVID-19) FAQs.

Trip cancellation

This benefit helps you recover non-refundable, pre-paid trip costs when you have to cancel your trip for a covered reason such as if you receive a confirmed and documented diagnosis of COVID-19, as certified by a physician, before your departure. Please refer to the Trip Cancellation section of your policy for more information.

Emergency medical

If you unexpectedly get sick with COVID-19 or another illness when travelling, you may be eligible for emergency medical benefits, including diagnostic tests prescribed by a physician. Please refer to the Emergency Medical section of your policy for more information.

Emergency evacuation

If a physician recommends that you be transported to a hospital in your home province for emergency medical treatment, you could be covered for medical air evacuation. Please refer to the Emergency Evacuation section of your policy for more information.

Trip interruption

During your travels, you might have to return home early because of sudden or unforeseen circumstances. With trip interruption coverage, you may be eligible for reimbursement for a one-way, economy-class ticket home and any pre-paid, unused portions of your trip if you need to change your plans for a covered reason. There is no coverage for circumstances related to COVID-19 unless those circumstances relate to a new, confirmed and documented diagnosis that the insured has contracted Coronavirus while travelling. Please refer to the Trip Interruption section of your policy for more information.

24/7 Emergency Assistance

Whether you’re stranded in a foreign country or need to reschedule a flight, our Emergency Assistance team is available 24/7 in whatever part of the world you’re travelling.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your hard earned vacation from unexpected cancellation.

Explorer Plan: $5,000
Standard Plan: $2,500

Trip Protection

Unexpectedly hospitalised?
Travel buddy unfit to travel?
Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

Explorer Plan: $10 million
Standard Plan: $5 million

Emergency Medical Insurance

Need meds quick?
Accidentally injured?
Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

Explorer Plan: $500,000
Standard Plan: $500,000

Emergency Evacuation & Repatriation

Banged up abroad?
Need a hospital urgently?
Medivac home?

Help starts here.

Protect your gear

Covers the theft, damage or delay of your bags, tech and sports gear.

Explorer Plan: $3,000
Standard Plan: $1,000

Protect your gear

Passport or tech stolen?
Airline lost your gear?
Bags delayed?

Help starts here.

Emergency Medical Expenses
Emergency Dental for Injury or Sickness
Bedside Companion Travel and Subsistence
Emergency Professional Services
Emergency Evacuation and Repatriation
Return of Travel Companion/Dependent Children

Return to Your Trip Destination
Return of Remains
Travel Accident
Flight Accident
Trip Cancellation
Trip Interruption
Trip Delay

Baggage and Personal Effects Theft or Damage
Baggage and Sporting Equipment Delay
Travel Documents Theft or Damage
Sporting Equipment Theft or Loss by a Common Carrier
Covered Adventure Sports listed in Policy

Assistance Services Included

LiveTravelTM Emergency Assistance
Worldwide Travel Assistance
Adventure Travel Hotline
24/7 Security
Travel Medical Assistance
Bag Trak

This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.

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?

Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)

Contact the team

Wherever you are, we’re here 24/7 to help you in any emergency.

Aurelie Menard,
Emergency Assistance, World Nomads

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: AIG

FAQ

Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.

Does my insurance pay for my accident upfront or do I have to pay and claim?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).

Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.

Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.

Will I get an upgrade if I am sent home?
The team will organise for you to go home in a way that's medically necessary. It's it's not medically necessary, you won't be getting an upgrade.

This information is for Canadian residents only. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available in all provinces. Please carefully read your policy wording for a described full description of coverage. World Nomads is supported by different insurers from around the world, with variations in coverage and terms depending on your country of residence, the plan you buy and what’s happened to you. The insurance products described are available for Canadian residents through World Nomads (Canada) Ltd (“World Nomads”) are underwritten by AIG Insurance Company of Canada.