What to do if you fall suddenly ill
- As featured in:
As featured in:
- Seek medical attention
- Get any reports in writing
- Retain all your receipts
- Cover for some Coronavirus-related events during your holiday
- Need to know more?
1. Seek medical attention
If you’re traveling and suddenly fall ill, the steps below can help you get the care that you need and help you understand what’s needed to make a claim.
If you suddenly fall ill at any time during your trip, go to the nearest medical centre or hospital. If you don’t know where the nearest doctor or hospital is you can contact our 24/7 Emergency Assistance Team, who can direct you where to go. You’ll need to tell them your policy number, your medical concern and your current location.
Once you have sought medical attention, contact our 24/7 Emergency Assistance Team again and update them on your situation. If you’re admitted to hospital, our Emergency Assistance Team will get in contact with the hospital admissions department regarding payment and care arrangements.
2. Get any reports in writing
In order to submit a claim on your policy you will need to provide copies of all reports relating to your illness. Types of reports that you may need to obtain include:
- Emergency medical transport report (if you are taken to hospital by ambulance or helicopter)
- Treating doctor’s report stating the date you fell ill, the diagnosis and prognosis, as well as the cause of your illness
- Hospital admission report stating the dates you were admitted and discharged from hospital
- Other medical reports such as lab reports and specialist’s reports
- Any correspondence from airline, hotel or railway companies confirming cancellations of any accommodation or journeys that you had paid for.
3. Retain all your receipts
If you wish to claim for any expenses that you incur due to falling ill on your holiday, then you’ll need to provide your receipts. While it’s always necessary to keep receipts for your medical expenses, make sure that you keep any other receipts from your holiday that can help substantiate your claim. Examples of receipts that you should keep include:
- All hospital and doctor’s receipts
- Receipts for medications that you may have purchased
- Pathology receipts
- Hotel, airline, railway, bus company and/or restaurant receipts
4. Cover for some Coronavirus-related events during your holiday
If you or one of your traveling partners contracts COVID-19 during your holiday and require medical treatment you may be covered, depending on your Country of Residence.
If you need to cancel your travel plans because you or one of your traveling party is diagnosed with COVID-19, you may be able to claim for any non-refundable expenses that you incur. This benefit is only available on our Explorer Plans, depending on your Country of Residence.
To support your claim, you’ll need to obtain:
- Treating doctor’s report or medical certificate stating the Coronavirus diagnosis.
- Pathology reports or official health statements indicating a positive COVID-19 result for you or anyone in your travelling party.
- Any claims for non-refundable expenses will need to be supported by copies of your receipts.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
5. Need to know more?
Depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy cover can vary. Your Policy Wording will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, please contact us.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for High-intensity Sports
What you need to know if you plan on doing some of the more adventurous sports on your next trip.
- As featured in:
As featured in:
- What's covered for high-intensity and adventure activities?
- Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What are some higher-level activities & sports that I can be covered for?
- Take your adventure activity and sports cover to the next level
So you love your high intensity sports and have plenty of adventurous plans for your trip abroad, and while you might know your own limits when it comes to adventure, you may not know that your travel insurance cover has limits.
Don’t get us wrong, we love to take things up a notch when hitting the great outdoors and really experiencing it which is why some of our plans offer cover for many popular adventure sports including rock climbing, scuba diving and skiing, but there’s plenty we don’t cover and limits and exclusions may apply.
What’s covered for high-intensity and adventure activities?
If you plan to add high-intensity sports and activities to your trip abroad, then travel insurance should be on your to-do list of things to consider when packing for your next trip. If you have several activities prepared when on the mountain, in the water, or at the snow, you may want to check out our plans to see which one fits your needs the most.
Not getting it right the first time could mean you may not be covered, for example, for medical evacuation and repatriation, and you may end up with a big medical bill.
We have two policies to choose from – Standard and Explorer.
While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. If you want to take your adventure sport to the next level, you’ll want to consider the Explorer Plan. The Explorer Plan has more generous activity conditions and limits than the Standard Plan. You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What kind of high-level adventure activities will I be doing on holiday?
- What activities are my travel buddies planning?
- Do I have the right gear, equipment and qualifications for that activity or sport?
- What cover do the two different plans offer for these activities?
- Am I fit enough to be able to undertake the planned sports, activities and experiences?
- Are there any special exclusions or conditions of cover that may stop me from doing a specific sport or activity?
- What exclusions might apply?
What are some higher-level activities & sports that I can be covered for?
Depending on your country of residence and which plan you’ve selected you may be covered for some of the following sports and activities:
- Big-wave surfing
- Zorbing
- Shark-cage diving
- Parachuting
- Mountaineering to 6,000 metres (with ropes, picks or specialist climbing equipment)
- Triathlon up to full distance
- Mountain biking downhill (using downhill trails and/or mechanical lifts)
- White-water rafting (Grades 1 - 5)
- Skydiving / tandem skydiving
- Base jumping
And many more that you can find under our coverage plans…
The activities and sports listed below are not covered under any of World Nomads policies:
- Bull running
- Martial arts competitions
- Potholing and caving
- Cliff diving, solo diving, cave diving and free diving
- Motor sports
- Stunt flying/aerobatics
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to the Arctic or Antarctica
- Crewing of a vessel more than 60 mi (96km) from a protected body of water.
Please be aware that while we cover more than 150 activities, sports and experiences some may not be available under your specific coverage plan. Additionally, there are some we don’t cover under any of our policies. Some key things that we don’t cover include:
- If you go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to remote and inaccessible regions of the Arctic, Antarctica or Greenland, unless approved by us
- Work offshore or underground, including in caves
- Work operating machinery or heavy/industrial equipment
- Work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres
- Work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.
Take your adventure activity and sports cover to the next level
Depending on your country of residence you will have access to several of our activities or sports that are listed on multiple levels (from Level 1 to Level 4). This is to reflect the varying degrees of difficulty or intensity.
Cover is automatically provided on the Standard Plan and Explorer Plan when you participate in Level 1 adventure sports and activities overseas. You can upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2, 3 and 4) and pay any required additional premium at the time you purchase your policy as follows:
- If you have paid the required additional premium for a sport or activity in Level 2, you are covered for all sports and activities and work listed as Level 1 and 2.
- If you have paid the additional premium for a sport or activity in Level 3, you will be covered for all sports, activities and work listed as Level 1, 2 and 3.
- If you have paid the additional premium for a sport or activity in Level 4, you will be covered for all sports, activities and work listed as Level 1, 2, 3 and 4.
Always check before you go that you have the right level of cover for your desired activities, as you cannot add any sports or activities after your trip has begun. Also, you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Read your policy carefully, and also check out our adventure, sports activities Help Centre article. Just set your country of residence and check out the complete list of covered activities, and sports. If you are still unsure if you’re chosen sport or activity is covered, please get in touch.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All 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 described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
You’re in safe hands with World Nomads
Check out our true claims video below to get a behind the scenes glimpse of how we help travelers when something goes wrong.
Travel insurance tip: many travel insurance policies cover white water rafting and kayaking, for example, but Class 6, Extreme and Exploratory Rapids, aren’t covered. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. Your policy may have special terms, conditions and specific exclusions and conditions for some activities. .
Experiencing a Medical Emergency?
Our Emergency Assistance Team helps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
If you're experiencing a medical emergency, contact our 24/7 Emergency Assistance Team who can help direct you to medical help, and if necessary, work with local authorities to repatriate you home, subject to the terms and conditions of your policy.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel insurance for Australia
Essential travel insurance tips when going down under
- As featured in:
As featured in:
Spanning nearly 8 million km2 and with crystal-clear water, red deserts, tropical rainforests, and bustling cities, Australia is fascinatingly diverse. Whether you’re road-tripping the East Coast, hiking on Kangaroo Island or scuba diving the Great Barrier Reef, World Nomads has you covered.
- What am I covered for?
- What should I look out for when travelling to Australia?
- What’s not covered?
- Handy tips for travelling in Australia
What am I covered for?
World Nomads offers cover (up to the policy limits) for:
- Overseas medical expenses: if you become sick or injured during your trip.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
- Travel delays/interruption: if your trip is interrupted due to an insured event.
- Trip cancellation: if your trip is cancelled due to an insured event.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
- Family plans: add your children and grandchildren to our policies at no extra cost.
- Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.
Note: our travel insurance plans are different. Cover will vary, depending on your country of residence, what you are claiming for, the plan you choose and any options or upgrades you buy.
With World Nomads, you can buy travel insurance as soon as your trip is locked in or while you're traveling (waiting periods apply); it’s entirely up to you.
What should I look out for when travelling to Australia?
There are a few key things to consider when visiting Australia. Our travel insurance may help if you land in Melbourne, but your baggage doesn’t, or you suffer an injury whilst hiking Cradle Mountain.
To make it easier for you to choose a plan that’s right for you we offer two plans – Standard and Explorer. Each one provides different levels of coverage depending on what you need and your country of residence:
- The Standard Plan –covers a range of benefits and certain adventure activities but has lower coverage limits.
- The Explorer Plan – covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.
Essential travel cover options when you need them the most
Depending on the level of cover you choose and your country of residence, our policies may cover you for:
Lost, stolen or delayed baggage cover
If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 24 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.
Travel insurance for accidents or injuries
If you become sick or injured in Australia with anything from food poisoning to an injury while participating in an activity, our policies may cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments. Terms and conditions apply.
Coronavirus cover for some events
If you catch COVID-19 while travelling in Australia we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.
Adventure sports & activities cover
There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose and your country of residence, you can be covered for hiking adventures in the Snowy Mountains, road trips along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities in the Policy Wording.
Rental car coverage and road safety
Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.
Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
What’s not covered?
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the policy wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S Department of State.
- Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
- Being intoxicated by alcohol or drugs.
Be sure to read the Policy Wording and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Handy tips for travelling in Australia
- If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
- The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
- Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
- Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.
Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics on Australia, here are just a few:
- How to Get a Working Holiday Visa for Australia
- Australia Hikes: 6 Spectacular Tracks All Around the Country
- Where to Stay in Australia: Accommodation Travel Tips
- 10 Ancient Natural Wonders Around Australia
You can also check out our articles if you need the latest safety travel alerts.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel insurance for Australia
Essential travel insurance tips when going down under
- As featured in:
As featured in:
With its crystal-clear water, tropical rainforests, and a burnt red Outback, Australia is a thrilling destination. Whether you’re road-tripping the Great Ocean Road, cycling around Uluru or snorkelling the Great Barrier Reef, World Nomads Travel Insurance can have you covered.
- What am I covered for?
- What should I look out for when travelling to Australia?
- What’s not covered?
- Handy tips for travelling in Australia
What am I covered for?
World Nomads offers cover (up to the policy limits) for:
- Overseas medical expenses: if you become sick or injured during your trip.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
- Travel delays/interruption: if your trip is interrupted due to an insured event.
- Trip cancellation: if your trip is cancelled due to an insured event.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
- Family plans: add your children and grandchildren to our policies at no extra cost.
- Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.
Note: our travel insurance plans are different. Cover will vary, depending on what you are claiming for, the plan you choose and any options or upgrades you buy.
With World Nomads, you can buy travel insurance as soon as your trip to Australia is locked in or while you're travelling (waiting periods apply); it’s entirely up to you
What should I look out for when travelling to Australia?
When visiting your neighbours across the ditch, there are a few key things to consider. Our travel insurance could help if you land in Sydney, but your baggage doesn’t or if you suffer an injury hiking Cradle Mountain.
World Nomads offers two plans – Standard and Explorer. Each policy has different levels of cover depending on what your needs are. You may be covered if your bags are lost or stolen, if your transport is delayed, or if you suffer an injury that lands you in hospital.
- The Standard Plan – covers a range of benefits and certain adventure activities and has lower coverage limits.
- The Explorer plan – covers all the benefits of the Standard Plan, with larger coverage limits, more benefits and covers more sports and activities.
Essential travel cover options when you need them the most
Depending on the level of cover you choose, World Nomads offers coverage (up to the policy limits) for:
Lost, stolen or delayed baggage cover
If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 12 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.
Medical insurance for accidents or injuries
If you become sick or injured in Australia, with anything from food poisoning to an injury whilst participating in an activity, our policies can cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments.
Coronavirus cover for some events
If you catch COVID-19 while visiting Australia, we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions.
Adventure sports & activities cover
There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose, you can be covered for hiking in Tasmania, road tripping along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities here.
Rental car coverage and road safety
Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.
Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
What’s not covered?
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Existing medical conditions – see the Policy Document for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government.
- Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
- Being intoxicated by alcohol or drugs.
Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Australia Travel Tips
- If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
- The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
- Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
- Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.
Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics in Australia, here are just a few:
- How to Get a Working Holiday Visa for Australia
- Australia Hikes: 6 Spectacular Tracks All Around the Country
- Where to Stay in Australia: Accommodation Travel Tips
- 10 Ancient Natural Wonders Around Australia
You can also check out our articles if you need the latest safety travel alerts.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
Traveller tip 1: don't forget when travelling overseas, some countries may require your New Zealand passport to be valid for at least six months before it's expiry date as a condition of entry
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for Brazil
Brazil is your place to get wild…From the wild parties during Carnival, to the wild animals of the Amazon
- As featured in:
As featured in:
- Do I need travel insurance for Brazil?
- Travel insurance for activities in Brazil
- Travel insurance for medical emergencies in Brazil
- Travel insurance for lost bags in Brazil
- Travel insurance for stolen items in Brazil
- Travel insurance for canceled, interrupted, or delayed trips to Brazil
- Tips for Traveling to Brazil from Canada
Traveling to Brazil offers incredible opportunities to experience vibrant cultures and adrenaline-fueled adventures. Many Canadians visit Mount Corcovado to see the colossal Christ the Redeemer statue - one of the most famous landmarks in Rio de Janeiro.
If you’re wanting to take in some of the country’s natural beauty, you may also want to head to Terra de Cachoeiras, known as the “Land of the Waterfalls.” Speaking of natural beauty, Brazil is also known for their pristine beaches like Baia do Sancho, Praia do Espelho, and Copacabana Beach. A visit to the Amazon rainforest is also a must-do for those seeking an off the beaten path adventure.
While a trip to Brazil is an amazing experience, there are some things to be aware of when you’re visiting from Canada. Our nomads have danced the night away at the wild parties during Carnival and have searched for even wilder experiences in the heart of the Amazon. We’ve learned quite a bit in our travels and we encourage you to check out our team’s tips on what to know before you go to Brazil.
Because unanticipated things can always happen when traveling, you may also want to get a quote for travel insurance for Brazil.
Do I need travel insurance for Brazil?
International travel can bring all kinds of unexpected surprises. Some of those are awesome-like the amazing moqueca (fish stew) that you can try at many of the restaurants in Florianopolis.
Some surprises that come along with traveling outside of Canada are not as great though. Nobody wants to think about things like canceled trips, delayed baggage and medical emergencies, but those things can happen unexpectedly. A good travel insurance plan for Brazil could help with those types of situations.
Travel insurance can also assist if you get injured participating in any of the awesome adventures and activities you’ll find there. If you get hurt while cycling through Serra da Canastra, the emergency medical coverage included in your travel insurance for Brazil could help you get the care you need.
There are different plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in Brazil
There are so many things to see and do in Brazil. Your trip may include some time lying on one of the country’s alluring beaches for a little rest and relaxation. If you’re up for some adventure though, there’s plenty to find in Brazil. World Nomads covers more than 250 activities for Canadians traveling to Brazil - including rafting on the Jacare Pepira River, hiking the Cachoeira da Fumaca Trail at Chapada Diamantina National Park, or scuba diving at Fernando de Noronha Marine Park.
When you get a quote for your travel insurance for Brazil, you’ll need to list your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you’re participating in an activity that isn’t listed in your policy wording, you can contact us to determine if you will be covered.
Travel insurance for medical emergencies in Brazil
Before you leave Canada, consult with your doctor to let them know where you will be traveling within Brazil and see if you may need certain vaccinations or antimalarial medication for your trip. We also recommend packing a strong mosquito repellent.
There are steps you can take to stay safe in the Amazon, but with such a diversity of wildlife also comes a diversity of parasites and amoebas. If you get bit by a kissing bug, it may not be as romantic as their name leads you to believe. They’ve been known to carry the parasite that transmits Chagas Disease.
If you do get sick and need to see a doctor while you’re in Brazil, your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses there. In some situations, medical providers may also want their money upfront. The Canadian government recommends that Canadians get travel insurance when traveling to Brazil that includes coverage for medical evacuation and hospital stays.
In some rural areas, you may find limited services available, or find that your medical team only speaks Portuguese. If you have a medical emergency when traveling to Brazil, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your Brazilian medical team if language is a barrier.
If you get hurt deep in the Amazon rainforest and don’t have the help you need close by, your international travel insurance could also offer evacuation coverage if you need to be transported to another place to get care.
If your doctor determines that it’s best for you to go home to Canada to get medical care, the repatriation coverage that is included in your travel insurance for Brazil may cover the costs to get you there.
Travel insurance for lost bags in Brazil
Nobody ever plans for lost bags, but it happens. What happens if you board your flight in Canada and then realize that you made it to Brazil but your bags didn’t? That could be even more frustrating if you also checked your surfboard in hopes of catching the stellar waves in Itacare.
If you get to Brazil and then realize that the airline lost your bag, the baggage coverage included in your travel insurance for Brazil may reimburse you for the cost to replace your surfboard and other belongings. When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details on depreciation and policy limits.
If you’re lucky, your bags and surfboard just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
Travel insurance for stolen items in Brazil
While it’s a good idea to always be cautious when you’re traveling in Brazil, it’s especially important to be vigilant during crowded, busy events like Carnival. Yes - it’s the party of all parties, and the Guinness Book of World Records even named the Carnival of Sao Paulo the world’s largest street carnival.
You just can’t imagine how massive it is until you’re stuck in a sea of millions of people. It’s a great time to make new friends, but it’s also unfortunately a prime spot for pickpocketing. It can be really easy for someone to snatch your phone or cash out of your pocket without you even knowing. Sometimes pickpockets operate in gangs around crowded areas. One person may cause a distraction, while one steals, another stashes the stolen items, and another keeps watch.
As tempting as it can be to wear your bling out on the town, you may want to lock that up in the safe in your hotel room, along with your credit cards, passport, and other valuables. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim.
You’ll need to do your part to keep your belongings safe too. If you have too many caipirinhas and leave your bag in a boteco, you won’t be covered if it’s not there waiting on you the next day.
Travel insurance for canceled, interrupted, or delayed trips to Brazil
Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip.
If you get sick before leaving Canada and your doctor tells you not to travel to Brazil at that time, you could be forced to cancel your trip. A good travel insurance for Brazil that includes cancellation coverage could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
Unexpected things can also happen once you’re already in Brazil. If you get a call that an immediate family member back home has died, we understand that you may need to cut your trip short and head back home to Canada earlier than expected.
When you’re searching for the best travel insurance for Brazil, check to make sure it has coverage for trip cancellation, delay, and interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.
Tips for Traveling to Brazil from Canada
Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for Brazil to review their up-to-date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up to date warnings on any advisories that may exist at that time.
Take extra camera batteries. The worst feeling is to get set up for the perfect shot, only to find out you have a dead battery. Back home in Canada, you may be able to order a new camera battery and have it pretty quickly, but Amazon doesn’t do same day delivery to the Amazon rainforest. Also, with all of the wildlife you’ll see in Brazil, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.
If you purchase travel insurance for Brazil, it’s a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.
Overall, Brazil is an amazing country full of culture, natural beauty, and adventures. Our nomads have really enjoyed their time there, and we think you will too. To help you further plan, we invite you to check out more of our travel safety tips for Brazil before you leave Canada.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel insurance for water sports and activities
What to know when getting your adrenaline rush in and around the water
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Making the most of stand-up paddle-boarding SUP in Asia, a casual reef snorkeling experience in Hawaii, or maybe you want to dial up the adrenaline and go parasailing in Canada.
As fun as they sound, water sports activities aren’t always smooth sailing. World Nomads travel insurance can help you keep your head above water if the unexpected occurs.
- What does World Nomads travel insurance cover?
- What types of water activities and sports are covered?
- Different levels of cover and optional extras
- What's not covered
- Tips for your water activity and sports trip
What does World Nomads travel insurance cover?
As a team of professional travel tragics ourselves, we know how important it is to cover yourself against the unexpected. Medical costs in overseas hospitals can be exorbitant, and that’s just the tip of the iceberg.
Depending on your Country of Residence and your selected plan, travel insurance may help if:
- You’re injured and need medical transport or evacuation home.
- You want cover for your bags and valuables in case they’re lost, stolen or damaged. Keep the paperwork and receipts for your gear.
- You need to cancel yout rip or your trip is unexpectedly delayed.
- You’ve already left home and need to buy travel insurance.
- You want cover for some Coronavirus-related events.
- You need cover for overseas medical expenses and hospitalization costs.
- You’re looking for cover for adventure sports, activities, and experiences.
Your coverage will vary according to your country of residence and whether you choose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage.
What types of water activities and sports are covered?
Whether you want to be in, on or under the water, having insurance as a safety net can be a good idea. These are just some of the many water sports covered under our plans:
- Wakeboarding
- Kiteboarding
- Windsurfing
- Boating (inland and coastal waters)
- Parasailing
- SUP
- Rowing/sculling
- Jet skiing
- Water skiing
- Tubing
and many more activities, sports and experiences…
*All plans are different and may require an upgrade for some water activities and sports. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or water sport option for your trip.
Differents levels of cover and optional extras
With cover for more than 200 activities, sports and experiences, our team of travel experts are all about supporting you as you venture into the global depths.
When considering the specific water or non-water related activities, it’s vital that you decide on what you’ll be doing before going overseas. You cannot add sports or activities after purchasing a policy.
World Nomads has several Level 1 activities, sports and experiences which you’ll be covered for automatically and are usually lower risk activities. For example, snorkeling, parasailing (over water only), water skiing and whitewater rafting are automatically covered under both Standard and Explorer plans.
You may want to push some boundaries and add some more intense activities and sports that are categorised as Level 2 or above. For example, parasailing, deep sea fishing, and water skiing (barefoot) require an additional premium under either plan. The Explorer Plan covers you for higher risk activities and sports and will cost you an additional premium.
Travel insurance tip: World Nomads provides travel insurance for more than 200 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
When choosing World Nomads, you’ll have access to two simple and flexible plans – Standard and Explorer. Both plans have several coverage options and optional extras. We offer cover (up to the policy limits) for:
- Overseas medical expenses: whether you’re in a raft traveling at break-neck speed or gliding along behind a boat on skis, if you’re new to these activities, the wobbles are a given. It only takes one fall or jolt to see you wind up with a jarred back, neck or a twisted ankle. Emergency medical bills can ruin your holiday, that’s where insurance comes in.
- 24-hour Emergency assistance: if you’re in a remote area and find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Assistance. Our staff can assist you all the way from needing directions to a medical facility, helping with multi-lingual services, to urgent medical evacuation off a mountain.
- Unexpected weather conditions may interrupt/delay your plans: crazy weather such as tornadoes or cyclones, huge swells, and in some cases tsunami warnings, can delay flights and force operators to cancel pre-booked activities. Our plans may cover unexpected conditions, including natural disasters, trip cancellation and delays.
Whichever plan you go with, you agree to take reasonable care and not put yourself at needless risk while participating in these adventure sports. You must follow any local government or health authority warning or advice.
What's not covered?
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Participation in a water sports competition as a professional athlete
- Sporting equipment damaged from use
- Search-and-rescue mission
- If you travel against medical advice or neglect to adhere to government warnings
- Any adventure activities or sports that aren’t covered by our policies
- Any existing medical conditions, except as may be noted in the policy wording
- Any claims resulting from the violation of local laws
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent or criminal acts.
Tips for your water activity and sports sports trip
- Cover for stolen baggage and sports gear: travel insurance may be able to help if your water sports equipment is damaged or lost in transit. Note: it won’t be able to help if you break something while you’re using it, like your SUP paddle breaks, as exclusions apply to sports equipment in use.
- Monitor weather conditions and consider your fitness: you may want to reconsider your plans for a water-based holiday if you’re traveling to an island nation during the least optimal season weather-wise. You also need to ensure you are fit enough to take on any water-related activities or sports that you plan on doing. There’s no point signing up for cage-diving for instance if you’re prone to panicking or aren’t a proficient swimmer.
- Ensure your activity operators are certified and/or accredited – you should make sure that any activity you do is covered by the appropriate body or you must have the right experience level and accreditation. For example, if you’re scuba diving you must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant association, club or confederation rules and guidelines at all times. Or you must only dive under the constant supervision of a properly licensed diving instructor.
- Do your research regarding vaccinations and entry requirements: if you’re going somewhere remote, ensure you’re up to date with your vaccinations and have taken preventative measures for exotic diseases like malaria, as required by the World Health Organization. Some destinations require proof of these on arrival. Remain up to date with global health warnings by monitoring int and follow the advice of your government.
- Cover for Coronavirus-related events: we offer cover for some Coronavirus-related events that may assist if your trip is derailed by COVID-19. To find out more, read our What’s Covered for Coronavirus article, which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance when visiting Great Britain
What to know when planning your British getaway.
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As featured in:
If you’re planning a holiday to Great Britain - home to our British royals, historic castles, sprawling country-sides and Shakespearian folklore settings, you may want to consider travel insurance, so that you can enjoy your British adventure.
Your World Nomads’ policy includes coverage for:
- Lost, damaged or stolen baggage coverage
- Delayed baggage
- Overseas emergency medical coverage
- Coverage for activities and sports when in Great Britain
What should you look out for when travelling to Great Britain?
Lost or stolen or damaged baggage cover
It can be upsetting to touch down at Heathrow airport and find your baggage isn’t on the carousel when you arrive. There’s also the chance that your sporting gear could get stolen on public transport or from your hotel. This is where World Nomads Travel Insurance may help ease the pain and may provide coverage (up to the policy limits) for loss, theft or damage to baggage or personal items if your specific situation falls within the covered risks insured by the policy.
What to do if your bags are stolen or damaged: if your bags have been stolen or damaged you’ll need to file a report with your airline or travel carrier, tour operator, or lodging provider. In the case of a theft, you’ll need to report it to the local police or relevant authority. Be sure to obtain a copy of the policy report, written reports, luggage receipts, travel documents and all correspondence with the carrier or service provider. Insurance won’t cover things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). So, if you left your backpack on a tour bus while visiting Stonehenge that’s a loss you most likely won’t be reimbursed for.
You may also need to take depreciation into account, so read your policy to understand how depreciation will affect your claims.
Delayed baggage
You may be covered for the replacement of necessary personal effects if your bags were lost in transit to Great Britain. There is a waiting period of 12 hours before your benefits begin. Your plan may cover the cost of toiletries, and some basic clothing until you are reunited with your luggage.
What to do if your bags are delayed: You’ll need to report the incident and file a claim directly with the air carrier first. Do your best to get copies of all receipts, written reports, luggage receipts, travel documents and all correspondence with the carrier or service providers. If needed, you can make a claim.
Travel insurance tip 1: Don’t leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices, valuables, travel documents, cash and credit cards with you at all times. Remember that if you buy anything, before or during your trip, keep all receipts.
Overseas emergency medical coverage
It’s important to know that Canada and the UK do not have reciprocal healthcare agreements. You may want to consider travel insurance for overseas emergency medical emergencies before you enter the UK. If you’re injured in an accident or suddenly get sick while travelling, and you've bought a policy for the activities you're doing, you may be covered for emergency medical treatment including:
- Direction to the closest appropriate care
- Hospitalization
- Out-patient treatment for medical emergencies
- Prescribed medicines, X-rays, and laboratory tests
- Being brought home if medically necessary
You must contact us before seeking medical attention, emergency evacuation or repatriation. If your situation is life-threatening, seek medical help immediately and call us as soon as medically possible or have someone contact us on your behalf.
Your policy may also be able to help with these travel related issues
- Trip cancellation: You may recover non-refundable, pre-paid holiday costs should you need to cancel your trip due to a covered reasons such as a confirmed and documented diagnosis of sickness, as certified by a doctor, before your departure.
- Trip interruption: During your holiday, you might have to return home early because of sudden or unforeseen events affecting you, a travel companion, or an immediate family member. With trip interruption coverage, you may be eligible for reimbursement for a one-way, economy-fare ticket home to Canada and any pre-paid, unused portions of your trip that you would forfeit due to a covered reason. Please refer to the Trip Interruption section of your policy for more information.
Travel insurance tip 2: In some parts of the UK (including Wales, Scotland and Northern Ireland) the local inhabitants may speak in Gaelic, Welsh or Irish language. In the event you suffer a medical emergency, our 24/7 assistance team can provide assistance with corresponding with hospital staff when you don’t speak the local language.
Coverage for activities and sports when in Great Britain
If you’re thinking of trekking or hiking in remote parts of the UK like Pembrokeshire in Wales’ southwest, or kitesurfing in Troon, on the west coast of Scotland, World Nomads may provide you with the coverage you need for your adventure activities. World Nomads offers travel insurance coverage for more than 150 activities and sports. Carefully examine your policy documents to make sure your planned activities are included. If the adventure sport isn’t listed, you may need to upgrade your policy to ensure you’re covered for everything you plan to do. All adventure, sports, work or volunteer activities must be added when you purchase your policy. If you have any questions our customer service team can also assist you.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for the United Kingdom
Discover how travel insurance for US residents traveling to the UK may cover medical emergencies, lost baggage, cancelations, and plenty of thrilling activities.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
At a glance:
- Travel insurance benefits for the United Kingdom may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across the United Kingdom (cycling and hiking included)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for the United Kingdom?
- Travel insurance for activities in the United Kingdom
- Travel insurance for medical emergencies in the United Kingdom
- Travel insurance for lost and stolen bags in the United Kingdom
- Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
- Tips for traveling to the United Kingdom from the US
- Tips for traveling to Japan from the United States
Famed for its high tea and theater (hello, Shakespeare!), historic cities like Edinburgh and Bath, edgy nightlife in East London, idyllic countryside, and the remote, rugged islands of Scotland like the dreamy Isle of Skye, the United Kingdom draws millions of Americans every year.
You can taste smoky whisky across Scotland’s Speyside, pub hop in Manchester, relax in a stone cottage in the Cotswolds, celebrate at Notting Hill Carnival in West London, and amble through castles and along coasts in Wales.
While a trip to the United Kingdom is an amazing experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels, and we encourage you to look into travel insurance* to protect your adventures to the United Kingdom.
Do I need travel insurance for the United Kingdom?
International travel can bring all kinds of unexpected surprises - like stumbling across centuries-old ruins along the Scottish coast.
Some surprises are not as great though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you fall and injure yourself while hiking in Cairngorms National Park, you may then wish that you had travel insurance for the United Kingdom.
World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in the United Kingdom
You may be planning some hikes in West Midlands or hoping to catch some waves in Cornwall. The United Kingdom is filled with all sorts of adventures such as stargazing in Northumberland International Dark Sky Park. World Nomads covers more than 250 activities for Americans traveling to the United Kingdom and includes things like surfing, camping, and hiking.
Before you get a quote for your travel insurance for the United Kingdom, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.
For example, rock climbing in the Peak District is covered under all World Nomads insurance plans. Kayaking, windsurfing, and paddle boarding in the Lake District, among other water sports, are covered as well. If you’re planning to cliff jump in scenic Port Gaverne off the coast of North Cornwall, though, you’ll need to upgrade from the Standard Plan and purchase the Explorer or Epic Plan.
Travel insurance for medical emergencies in the United Kingdom
While the United Kingdom doesn’t have as high as peaks as some other destinations, accidents can still happen. You might be trying to ascend Snowdonia—a popular climbing area in Wales—and slip and fall. If you need to seek emergency medical attention, your travel insurance for the United Kingdom may help you get the care you need.
If you have a medical emergency when traveling to the United Kingdom, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. In general, the United Kingdom has reliable health care, and your World Nomads travel insurance can help you navigate the system.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for the United Kingdom may cover the costs to get you there.
To streamline your experience seeking medical treatment in the United Kingdom we recommend signing up for Portable Health Records before your trip. This non-insurance service partner makes your documents, prescriptions, test results, and emergency contacts accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.
Travel insurance for lost and stolen bags in the United Kingdom
Nobody plans for lost bags, but it happens. If you’re planning to climb Ben Nevis, the UK’s highest peak, you probably packed your new pair of hiking boots. If you get to Glasgow and realize that your bag hasn’t arrived, your travel insurance for the United Kingdom may reimburse you for the cost to replace your hiking boots and other belongings.
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Generally, the United Kingdom is a safe destination. Pickpockets can happen occasionally, though, especially in larger cities. You’ll especially want to be careful with public transportation like the Tube in London, which can get super crowded. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for United Kingdom.
You’ll need to do your part in keeping your belongings safe as well. If you have a few too many pints of Guinness during a pub crawl in Belfast and lose your wallet, World Nomads travel insurance won’t cover your loss.
Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
Even if you have the perfect getaway planned, things happen that can cancel, interrupt, or delay your trip. Before you get a quote, make sure your insurance plan for the United Kingdom covers trip cancelation and interruptions so you can be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.
Sometimes unexpected situations happen that can derail your plans. What happens if you get sick a few days before leaving for the UK? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for the United Kingdom that includes cancelation coverage may reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
With the Explorer or Epic Plan, several travel inconveniences are covered as well. For instance, if you’re on a road trip through the colorful villages and wild coast of Northern Ireland and your rental car breaks down, causing you to be at least 12 hours late to your scheduled destination or return destination, you may be reimbursed for covered expenses incurred.
Tips for traveling to the United Kingdom from the US
Although the UK is typically a safe country, we encourage you to check out the US government’s safety warnings for the United Kingdom before you leave for your trip. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for the United Kingdom, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Not exactly known for its sunny skies, the weather in the UK can change at the drop of a hat. Come prepared for rain, sun, and chilly, windy days. While a change in weather might just mean ducking into a cozy pub if you’re wandering around London, be careful with weather in Wales, Scotland, and other coastal and mountainous regions. Weather can change without notice, which can create dangerous conditions if you’re on a slippery peak or windy cliff.
Consider exploring the United Kingdom by train! The region is well-connected by short- and long-distance routes. Train travel is a fun way to slow down and reduce your carbon footprint, while watching the green pastures of farms and forests flicker by.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Travel Insurance Benefits: how we can take care of you
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Travel insurance for independent travelers and intrepid families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.
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Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 150+ Adventure Activities you love + more
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24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the team