• What are the benefits of domestic trip insurance?
• Trip disruption
• Medical cover
• Personal belongings
• Extra benefits of World Nomads Travel Insurance
• Exclusions of domestic travel insurance

Not all adventures require a passport stamp - sometimes, the best getaways are right on your doorstep. A weekend hiking in Snowdonia, a coastal escape to Cornwall, or a city break in Edinburgh – there’s so much to explore right here in the UK.

But whether you’re hiking the Scottish Highlands, exploring Cornwall’s rugged coastline, or city-hopping from London to Edinburgh, unexpected travel mishaps can still happen.

With a World Nomads Annual Multi-Trip (AMT) policy, you can get cover for domestic trips if you’ve pre-booked and paid for at least two nights of accommodation. Here’s what you need to know about what’s covered and what’s not.

What are the benefits of domestic trip insurance?

Here’s what’s covered (and why it matters).

• Trip disruption

Life happens, and sometimes your trip doesn’t go as planned. Whether it’s a storm cancelling your weekend in the Lake District or a family emergency forcing you to cut a trip short, your insurance may help with:

• Cancelling your trip: If you suddenly fall ill before departure or must cancel for a covered reason, you may be able to claim back non-refundable costs:
  • £3,000 (Standard Plan)
  • £5,000 (Explorer Plan)

• Cutting your trip short: If you need to return home early, we may help with unused accommodation and travel expenses up to:
  • £3,000 (Standard Plan)
  • £5,000 (Explorer Plan)

• Medical cover

Yes, the NHS has your back, but that doesn’t mean medical issues won’t derail your trip. Your insurance may help with:

• Medical repatriation: if you break your leg hiking Ben Nevis and need to be moved closer to home for specialist care, your cover may include up to £10,000,000 (Explorer Plan).
• Extra accommodation and travel expenses: Where it is medically necessary following an insured event, we can offer cover for some additional costs incurred. For example, expenses incurred for a friend or family member to travel from the UK to stay with you in hospital.
• Hospital benefit: If you end up admitted for more than 24 hours, you could receive a daily payout to help with extra costs:
  • £20 per 24 hours (Standard Plan), max £200
  • £50 per 24 hours (Explorer Plan), max £1,000
• Repatriation of remains: In the worst-case scenario, cover includes up to £25,000.

• Personal belongings

Lost bags, stolen wallets, and broken cameras aren’t just international travel problems. If your gear goes missing during your UK trip, you could be covered for:

• Personal baggage: If your luggage is lost or damaged on a train to London, you could claim up to:
  • £1,500 (Standard Plan)
  • £3,000 (Explorer Plan)
  • Single Item Limit £125 per item (Standard) | £250 per item (Explorer)

• Money & travel documents: If your wallet disappears at a music festival, your cover includes:
  • Travel documents: £300 (Standard) | £600 (Explorer)
  • Money: £0 (Standard) | £200 (Explorer)

• Other cover

• Personal Accident: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
  • £10,000 (Standard Plan)
  • £25,000 (Explorer Plan)

• Personal Liability: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
  • £2,000,000 per trip (for all insured persons per policy, per trip)

• Extra Benefits of World Nomads Travel Insurance

SmartDelay™: relax while you wait

Flight delays are a nightmare - especially when you're stuck in an airport with nowhere to sit and overpriced sandwiches for company. That’s where SmartDelay comes in. If your departure is delayed beyond a set time, you may get free access to an airport lounge, where you can stretch out, grab a snack, and wait in comfort.

Exclusions of domestic travel insurance

Travel insurance is a lifesaver when things go wrong - but it doesn’t cover everything under the sun. Your policy spells out the fine print, but here are a few key exclusions to keep in mind:

• Pre-existing conditions: If you’ve had tests or treatment for a condition in the 180 days before buying or extending your policy, it won’t be covered.
• Alcohol & drugs: Had one too many at the pub and ended up in A&E? If an incident happens while under the influence, you’re on your own.
• Illegal activities: If you’re breaking the law and things go sideways, don’t expect your insurance to bail you out.
• Some personal belongings: Items like bikes or sporting equipment (whilst in use), won't be covered under the policy. If you are mountain biking in the Scottish highlands and require cover for your mountain bike, check your policy first.

• Why Should British Travellers Consider Travel Insurance for South Africa?
• Air Doctor: When You Need a Doctor, But Not a Hospital
• Annual Multi-Trip (AMT) Policy
• What’s not covered?
• 5 Key Safety & Travel Tips for UK Travellers in South Africa

From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.

Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.

Why Should British Travellers Consider Travel Insurance for South Africa?

While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.

Our Standard and Explorer plans can offer cover (up to the policy limits) for:

• Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
• Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
• Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
• Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
• Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
• Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.

Dive into your policy details for the full scoop, and if anything's unclear, contact us.

Air Doctor: When You Need a Doctor, But Not a Hospital

A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.

With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.

Ready to explore the wild plains of Africa? Grab your travel insurance quote here.

Annual Multi-Trip (AMT) Policy

If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.

A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.

What’s not covered?

While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:

• Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
• Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
• Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
• Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
• Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!

Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!

• What does World Nomads travel insurance cover?
• Annual Multi-Trip (AMT) Policy
• What’s not covered?
• India travel insurance and safety tips

British nomads have been falling under India’s spell for decades, and it’s easy to see (and smell) why. From the aromatic pull of street-side butter chicken to the age-old spice trails of Kerala, India is a sensory overload in the best way possible. Whether you’re chasing thrills in the Himalayas, riding camels through Rajasthan’s deserts, or stretching into sunrise yoga in Rishikesh, this country delivers an adventure experience like no other.

But let’s get one thing straight - India is incredible, but it’s not always easy. Between unpredictable transport, street food roulette, and the occasional monkey trying to steal your sunglasses, it pays to be prepared. Here’s everything you need to know before diving headfirst into India's chaos, beauty, and magic - from visas and vaccines to safety tips and why travel insurance should be on your research list.

What does World Nomads travel insurance cover?

From haggling in Delhi’s bustling bazaars to watching the sunrise over the Ganges, riding your moped through the bustling streets in Kolkata, or catching a glimpse of the wildlife in India’s famed sanctuaries, there’s no shortage of once-in-a-lifetime moments waiting for British nomads.

But no one wants their memories tainted for the wrong reasons – dealing with a broken leg in a foreign hospital while uninsured (for example) can seriously derail that trip of a lifetime. Rest assured, we’ve got travel insurance designed for the way you roam.

Our Standard and Explorer can offer cover (up to the policy limits) for:

• Family coverage: Traveling with your crew? Both our Single Trip Annual Multi-Trip plans can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
• Trip interruption and cancellation: Flights can be cancelled, trains can run late and monsoons can roll in. Our Trip Interruption Insurance (and SmartDelay™) could be helpful in these unpredictable moments!
• Medical emergencies –Snake bite? A tuk-tuk ride gone wrong? Our travel insurance for overseas emergency medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan) and could be the most valuable asset in your backpack if things don’t go according to plan.
• Non-medical emergencies - Caught a mild case of Delhi Belly but don’t need an emergency room? World Nomads offers access to Air Doctor, so you can connect with a doctor virtually or find one nearby - without the stress of navigating India’s healthcare system. Whether you need a prescription refill, quick medical advice, or treatment for minor issues, Air Doctor makes it easy to get the help you need and get back to exploring.
• Adventure activities: World Nomads offers over 150+ activities, from white-water rafting in Rishikesh to scuba diving in Goa. If adventure is your thing, we’ve got you covered.
• 24/7 Emergency Medical Assistance: Stuck in a medical emergency? Our Emergency Medical Assistance Team is available 24/7, so you’re never alone, no matter where your adventure takes you.
• Personal Belongings: While India’s warmth and hospitality are legendary, it’s still wise to stay alert - especially in crowded markets, train stations, and tourist hotspots where pickpockets are always on the lookout. World Nomads policies offer cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed. If you find yourself in the unfortunate position of having your luggage stolen click HERE to find out the steps you need to take.

Ready to chase the chaos? Grab your travel insurance quote here.

Dive into your policy details for the full scoop, and if anything's unclear, contact us.

Speaking of policies…don’t just skim over the policy wording – give it a good read. Understand exactly what’s covered (and what’s not) for your planned activities. Some activities might require you to flex some qualifications or licenses or team up with a professional guide. And remember, living on the edge might mean a slight uptick in your policy’s price (for obvious reasons).

Annual Multi-Trip (AMT) Policy

For British travellers who are always on the move, our Annual Multi-Trip (AMT) policy offers the freedom to explore India and beyond without the hassle of arranging new travel insurance for every trip.

Sticking around in India for a while? A Single Trip policy might be the better fit. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.

What’s not covered?

As you gear up for your Indian adventure, keep in mind that while World Nomads travel insurance has your back, it doesn’t cover everything. Here’s a breakdown of what’s outside our safety net:

• Pushing adventure limits: Thinking of free solo climbing in the Himalayas? Not all heroic feats are covered. it is not in our list of covered activities or you skipped the adventure add-on, it’s out of bounds.
• Ignoring medical advice: If you overlook your doctor’s recommendations or ignore guidance from our Emergency Medical Assistance Team, that one’s on you.
• Unattended valuables: Left your camera on a café table in Jaipur or your backpack unzipped on a crowded train? If your valuables are stolen, lost, or damaged while unattended, they’re not covered.
• Risky behaviour: Breaking the law, excessive drinking, or taking part in illegal activities? Your coverage doesn’t extend to reckless choices.
• Cold feet? Decided India’s isn’t for you after all? A change of heart isn’t a covered event.

• Do I need travel insurance for Germany?
• Travel insurance for activities in Germany
• Travel insurance for medical emergencies in Germany
• Travel insurance for lost luggage in Germany
• Road safety on the Autobahn and in general
• Travel insurance for cancelled, interrupted, or delayed trips to Germany
• Tips for travelling to Germany from Canada

What’s the first thing that comes to mind when you think of Germany? Storied forests, towering mountains in the Alps, fairytale castles like Neuschwanstein, charming towns such as Baden-Baden—famous for its spas— and wandering through festive Christmas markets with glühwein in hand, among other magical winter experiences, all come to mind for us. Of course, sloshing pints of beer at boisterous Oktoberfest celebrations, dancing your heart out at Berlin’s infamous clubs, summer techno festivals, and sampling local culinary specialties like sauerkraut, pretzels, and currywurst are not to be forgotten. Whatever your ideal trip looks like, Germany offers an eclectic art and music scene, natural beauty, and a diverse history.

Despite all the fun to be had in Germany, you can bet we’ve seen all sorts of travel insurance claims from Canadians travelling there. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote and purchase travel insurance for Germany before you set forth on your journey.     

Do I need travel insurance for Germany?   

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft of your baggage or a missed connection due to inclement weather that grounds your flight, for example.   

Travel insurance for Germany can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as rock climbing in Bavaria. 

Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip. 

We have two plans to choose from for different types of travellers and adventures.   

Travel insurance for activities in Germany 

Whether you’re planning to ski or snowboard in the Alps or take a long-distance hike through the Saxon Switzerland forest, World Nomads travel insurance covers Canadians for over 250 activities in Germany. Rock climbing the crags of Frankenjura, kayaking on Bavaria’s mountain rivers and lakes, and cycling through the region of Rhoen are all covered under travel insurance for Germany. 

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case. 

Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both of our Standard and Explorer Plans. To have coverage for adventurous sports, work, and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium at the time you purchase your policy. 

Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.

Remember, travel insurance does not cover everything – for example, travel insurance will note cover you for any losses or expenses if you are intoxicated. 

Travel insurance for medical emergencies in Germany 

Whether you have an accident while tackling the Alpspitz Ferrata or sustain an injury while surfing the Eisbach River in Munich, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Germany.    

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible. 

The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Germany, including assisting you with language barriers and finding the best places to seek medical treatment. 

Travel insurance for lost luggage in Germany 

Lost or stolen bags is never something we plan for, but these things do happen. Did you arrive in Munich but your bag packed with your winter gear for your ski vacation didn’t? The first step is to contact the airline.  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 this happens and your bag is missing for 12 hours or more, your travel insurance for Germany could still reimburse you for a change of clothes and toiletries, until you and your bag are reunited.  

While Germany is generally considered safe, pickpocketing or theft can happen anywhere. It’s important to be mindful of your belongings on crowded metros and busy markets. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. The Standard and Explorer plans each have different limits. 

In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help with translation services during an emergency. 

Road safety on the Autobahn and in general 

You may be interested in taking Germany’s legendary Fairy Tale Route ("Märchenstraße"), which stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea, or simply cruising between different German cities. If you’re planning a long road trip on the Autobahn, there are some rules of the road to be aware of. Drivers can go as fast as they want in de-restricted sections of the highway, although this doesn’t necessarily mean you should drive as fast as you want. The German government recommends a speed of about 130kph. World Nomads travel insurance includes emergency medical coverage that could assist you if you are injured in an accident. You will want to make sure to purchase car rental insurance separately, as this is not covered

Travel insurance for cancelled, interrupted, or delayed trips to Germany 

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable travel expenses.   

Trip cancellation and Trip interruption coverage can help protect you in case of emergencies before your leave, or back home in Canada after you’ve departed. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, pre-paid travel expenses (up to plan limits) that you can no longer use.   

Tips for travelling to Germany from Canada 

As much as you may have planned each detail of your German adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Germany before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.     

It’s also 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. Learning a few German words and phrases will also go a long way!  

Finally, you may also want to read up on some local tips and destination inspiration for non-touristy spots to check out in Germany. This way you can experience the lesser-known side of this European country rich in history, cultural festivities, and mountains.

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, of if you have questions, just ask us.