I broke my leg in Koh Samui
How World Nomads Travel Insurance helped when Anton's trip came to an end in Thailand
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Watch Anton's story
I fell on my side and heard the sound of dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.
World Nomads customer from Iceland
How World Nomads helped
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Hospital treatment
Anton required surgery after breaking his leg and wrist in a fall while traveling in Thailand. We called Anton daily to check on his progress and once cover was confirmed, we took care of his medical bills and his hospital admin.
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Escorted flight home
After his surgery, Anton couldn’t travel back to Iceland without help, so we sent Luke from our Emergency Assistance Team to Thailand to meet him while in hospital. Luke was also there to help Anton carry his bags and escort him home on the plane to Iceland.
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Reimbursement for unused flights
Anton had paid for multiple flights to continue his journey across Asia, so we reimbursed him for the cost of the unused flights when his adventure was unexpectedly cut short.
Traveler's country of residence: Iceland
Destination: Thailand
Claim paid: €34,010.73 (Euros)
If you’re injured in an accident while traveling, you can be covered for emergency medical treatment including: hospitalisation, day surgery and out-patient treatment, visits to registered medical practitioners, access to prescribed medicines, and medical evacuation including air ambulance. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage before you buy.
Need to make a claim?
All World Nomads claims are different and will depend on your specific circumstances. If you need to find any information on claims, you can find it in your policy wording which explains what’s covered and what’s not covered, and which conditions, limits and exclusions apply.
Please get in touch if you have any questions about coverage or visit our Make a Claim page if you need help to make a claim.
Why you should consider travel insurance
We get it, the last thing you want to think about when planning your holiday is what could possibly go wrong, and having to buy travel insurance. However, travel insurance could pay off in more ways than one, such as if you end up in hospital or are caught in unexpected events when visiting a far-away land.
Here's why you should consider World Nomads travel insurance for your next trip.
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 seriously hurt?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- 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)
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 Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
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Amongst the world’s most popular destinations, Mexico, has something to offer travelers from all parts of the globe. You can get stuck into adrenaline-pumping adventure activities, immerse yourself in the culture and history, or just relax by the beach. But Mexico is also a country where your safety and health should be taken seriously, that’s why travel insurance is essential if something goes wrong.
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However international travelers shouldn’t be deterred from experiencing one of the world’s most interesting cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If you’re airline loses your bag or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travelers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier. Benefit limits, conditions and exclusions apply, and coverage varies depending on your Country of Residence and the plan you’ve chosen.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand that this can be a challenge when in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced international traveler. That’s why our 24/7 Emergency Assistance team can advise on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatments if needed to make sure you are given proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Please note: Coverage depends on your Country of Residence and varies between travel insurance plans.
If something goes wrong, such as robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on traveling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. Though both our Standard and Explorer plans include benefits for scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each sport. Besides Scuba diving, World Nomads offers cover for 150+ adventure activities including:
- Surfing
- Hiking
- Backpacking
- Kayaking
- Sandboarding
- Snorkelling
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.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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 medication?
- 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
- Hurt abroad?
- Need to get to a hospital urgently?
- Default text
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
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 when on a road trip
Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance
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One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
There are many ways to explore the globe, but nothing beats getting in a car or camper van and exploring some the big cities and off the beaten track scenery. Taking the extra time to research and plan ahead – and consider travel insurance – can ensure that you’re covered at every pit stop of your road trip.
What are the benefits of travel insurance?
One of the best things about road trips is the freedom to explore a region or country at your own pace, on your own terms. Travel insurance is designed for many modes of transport, and there are many reasons why it’s important while you’re on the road. You should note that coverage depends on your Country of Residence and varies between plans.
What's Covered for Road Trips Abroad?
- Sudden trip cancellations
Has your road trip ended before it started? An unexpected illness, a car accident or the US Department of State or similar body issuing a ‘Do Not Travel’ warning to a specific region or country can stop you from getting on the road at all. The cancellation benefit is for certain insured events and may allow you to cancel your trip and recuperate your pre-paid, non-refundable deposits when an emergency happens and depending on your country of residence and the plan you’ve chosen. Check out more about cancellation cover to know what you may be covered for.
- Unexpected medical emergencies on the road
Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. Especially if your injuries are beyond minor bumps and scratches and you end up in hospital. Our plans include emergency medical, evacuation and repatriation coverage for ambulances or transfers to an appropriate medical facility when needed. If you’re accidentally injured or suddenly become ill while on your road trip, our 24/7 Emergency Assistance team is on hand to help you. Always check the maximum benefit amount specified in your Policy Wording.
- Rental car insurance for vehicle damage
Car breakdowns and traffic accidents can put a dent in your wallet as well as your rental car if you don’t have vehicle coverage. Our Explorer plans offer travel insurance cover if your rental car is damaged or stolen during your trip. Cover is also available for the cost of replacing rental car keys if lost, stolen or damaged during the rental period. You must have a valid licence in your country of residence for the class of vehicle you’re driving overseas, regardless of local laws. You must also comply with local laws of the country in which you’re driving. Please note: travel insurance doesn’t replace the need to have a signed rental vehicle agreement or damage waiver in place.
- Emergency assistance at any hour of the day
When you’re in an unfamiliar place (especially a country where you don’t speak the language), it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24-hour Emergency Assistance team to support you in a crisis. Whether your car has broken down in the middle of nowhere, need urgent medical attention or a referral for roadside assistance, our Emergency Assistance team can help you out in whatever part of the world you’re travelling.
- Road trip interruptions and delay
There’s nothing worse than spending a lot of money on a big trip investment only to lose everything something unexpected throws a wrench in your plans. Trip interruption coverage can help salvage the pre-paid, non-refundable trip expenses that you’ve forfeited because of an insured event that disrupted your travels. Depending on your country of residence and the plan you have chosen you may have access to certain trip interruption and travel delay benefits. Our Help Centre article on trip interruption will help with added information.
You may also need help getting your trip back on track. If you get delayed while overseas by more than 12 hours, you may need to pay for a hotel or a meal as you catch up to your itinerary. Check your Policy Wording for any conditions you need to meet: your delay might need to be a certain number of hours, (more than 12 hours for international travellers) or be caused by an insured event. Our Help Centre article has information on delayed and missed flights.
- Protection for stolen belongings and baggage
You may have camping gear in your trunk or your camera in your compartment. Thieves can be crafty enough to dodge security measures and get into locked spaces. You can make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Please note that if the baggage is stolen from a vehicle, there must be visible evidence of damage and forced entry into the vehicle and/or locked compartment, which is confirmed by a police report. Always keep any proof of ownership, age and value of your belongings. And keep any receipts for items you buy on your trip in case you need to make a claim.
What isn’t covered for road trip travel insurance?
- Pre-existing medical conditions. Read your Policy Wording for more details.
- Loss, theft or damage to the extent you’re entitled to compensation from the carrier, other service provider or anyone else.
- Medical treatment that can wait until you return to your country of residence.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.
- Any other reason listed under the section exclusions and General Exclusions in your Policy Wording.
Need some road trip inspiration?
Check out these inspiring World Nomads road trip articles:
- How to Plan a Safe Road Trip During COVID-19
- How to Road Trip the Australian Outback Safely
- 4 Lesser-Known Canada Road Trip Ideas for Your Next Adventure
- Is it Safe to Drive in Costa Rica? Road Safety Tips
- 5 Safe Driving Tips for a Winter Road Trip in Europe
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, 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 hospitalized?
- Weather delay?
- Travel companion sick?
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 medication?
- Suddenly sick?
- Accidentally injured?
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
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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)
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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 backpacking
Protect the freedom of carrying everything on your back.
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Backpacking is a pilgrimage many nomads embrace - the call of the open road with just the basics on your back. You might be in search of your people, the path less travelled, or setting out to find your ‘why’. Even if you like to travel with everything you need on your back, travel insurance is still a good idea in case backpacking mishaps (or worse) surprise you on the road.
World Nomads travel insurance is designed for backpacking the world’s most captivating regions from wild Patagonia to mystical Japan, and further afield.
- Why buy travel insurance for when you’re backpacking?
- What’s covered when backpacking?
- Does my plan include cover for Coronavirus related events?
- What’s not covered for backpacking?
- Choose a plan to suit your needs
- Some FAQs
Why buy travel insurance for when you’re backpacking?
World Nomads travel insurance plans offer cover for sudden and unforeseen costs such as if you’re injured in a traffic accident and need urgent medical treatment, if your transport carrier damages or loses your much-needed pack, or if a brazen pickpocket swipes your phone from under your nose.
What’s covered when backpacking?
Our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to your country of residence.
- Loss, theft or damage to baggage or personal items.
- Checked-in baggage being delayed for more than 24 hours and the costs of buying essential clothing and toiletries while waiting for your baggage (remember to keep your receipts).
- Your non-refundable costs of curtailing or cancelling your trip due to sudden injury or illness to you or your travelling companion.
- Cover for cancellation caused by official travel warnings of 'Do not travel' advice issued for your destination after you’ve received your Certificate of Insurance.
- Cover around transport carrier delays, missed connections and natural catastrophe.
Does my plan include cover for Coronavirus-related events?
- Our Standard and Explorer plans offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas (excluding pre-existing medical conditions, as defined in the policy wording) – cover includes medical assistance, repatriation and spitalization benefits.
- Our Explorer Plan also offers cover for some coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs, as well as additional cover for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus. Benefit limits apply.
What’s not covered for backpacking?
Some things we do not cover include:
- Pre-existing medical conditions.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies.
- Damage, loss or theft of jewelry, devices, cameras and specified items if checked in as baggage with a common carrier.
- The policy excess amount as shown in the policy wording.
- Personal liability on some activities.
- If you don’t have the necessary visas and/or licences for the activity or study you undertake.
- Any loss from being intoxicated with drugs or alcohol.
- Reckless behavior such as heading somewhere remote or into a war zone.
- If you don't keep your gear safe and secure at all times.
- If you don't report the loss to the police and appropriate carrier or authority as soon as possible after the loss is discovered. You must get written reports.
- Personal baggage stolen from an unattended vehicle between 9pm and 9am (local time).
Choose a plan to suit your needs
World Nomads offers two plans with different levels of cover and benefit limits: the Standard Plan and the Explorer Plan. The Explorer Plan has benefits not available in the Standard Plan and also offers travellers higher benefit limits and/or sub limits. If you’re planning on doing something extra on your trip such as scuba diving or farm work, for example, our article on covered sports and activities may help you select the optional upgrades you’ll need to add when you buy your policy. Keep in mind some types of work and high-risk activities may not be covered at all.
Some FAQs
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your Certificate of Insurance, check with our customer service team to find out if your policy will extend to that region.
What happens if my item/s are lost or damaged?
You must get a Property Irregularity Report from the relevant supplier as soon as you discover the loss or damage. You’ll need it to submit your claim along with a police report, copies of the original receipts and any baggage tickets. Any reimbursement will allow for depreciation (wear and tear) as per the policy wording except if the item has been specified as high value on your Certificate of Cover.
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 when visiting Great Britain
What to know when planning your British getaway.
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Ahh, Great Britain - home to the British royals, countless unique castles, stunning scenery, and a rich history, which spans from Stonehenge to Shakespeare and beyond. Before you book your trip to Great Britain - perhaps to see Macbeth at The Globe - get your travel insurance sorted, so the only drama is on stage with the actors.
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
When planning a trip to the UK the most common issues international travelers face are lost or delayed luggage, or unexpected medical issues. And now you can add Coronavirus to the list. But never fear, follow our travel tips to get the most out of your cover and your holiday in the UK.
What should I look out for when traveling to Great Britain?
Lost, stolen or delayed baggage cover
It can throw a massive spanner in the works to arrive at Heathrow and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. Petty theft is common across Europe, and you could also get your gear stolen on public transport or from your accommodation.
The good news is that all World Nomads policies offer some cover (up to the policy limits) for loss, theft or damage to baggage or personal items.
Keep in mind that 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.
What happens if…
- My bags are stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. 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). Remember to always keep originals or copies of your receipts if you need to make a claim.
- My bags are delayed: you may be covered if your bags were delayed. You’ll need to report the incident and get a Property Irregularity Report (or a similar official report) in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bags are returned. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your Country of Residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Tips for keeping your luggage safe:
- Never leave your bags and valuables out of your sight and reach.
- Always carry your electronics and valuables with you and lock your gear up in a secure location when you can’t take it with you.
- Remember that if you buy anything, before or during your trip, to keep all receipts.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to the UK, overseas medical insurance is a good idea in case of an accident or sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your Country of Residence. All our policies include some level of overseas medical cover, so you can focus on your recovery if you fall ill or have an accident on your travels.
Tips for travel in the UK and Covid-19:
- It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots, even in open-air places such as Stonehenge, London’s parks and palace grounds, or when strolling through the bustling streets of Edinburgh.
- The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team around the clock
Dealing with a medical emergency in a foreign country can be frightening and confusing, but you don’t have to go through it on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, and set up direct payments to the medical facility if needed. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Great Britain
If you’re looking to get your adrenaline levels up by going hiking in Snowdonia, or camping and mountain biking in the Scottish Highlands, World Nomads offers travel insurance cover for 150+ activities and sports.
Be sure check your policy wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do. If you’re not sure whether an activity is covered, just contact us.
Are you looking for more travel inspiration for Great Britain? World Nomads has various articles that cover a range of fun topics on Great Britain or check out our articles if you need the latest safety travel alerts.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all 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.
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 Vacation Rentals
Bundled travel insurance for vacation rentals, from trip cancellations to stolen belongings.
- As featured in:
As featured in:
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.
Space, privacy, the comforts of la casa – nothing is better than renting a vacation home, whether it’s a lakeside chalet, a New York City studio or a yurt in Patagonia. But booking from a private homeowner could add a “What if?” factor. That’s where travel insurance* comes in. Here are the need-to-know details of vacation rental coverage, so you can get on with your getaway.
Do I need travel insurance if I'm renting a vacation home?
Hopefully, the worst thing that happens to you when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch, travel insurance coverage can save your sanity and wallet.
What's covered by vacation rental insurance?
There are lots of reasons to consider travel insurance for your upcoming trip, including those that apply to vacation home rentals specifically:
- A canceled, delayed or interrupted trip: Do you have to cancel, delay or interrupt your stay at the last second due to something such a work emergency or sudden illness? With trip cancellation, trip interruption and trip delay coverages you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
- Stolen belongings: Did a thief break into your vacation rental while you were out at dinner and make off with your laptop or brand new camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim.)
- Medical emergency expenses: If those stairs are just too steep and you take a tumble inside your vacation home and you need to go to the hospital, your travel insurance plan from World Nomads may help save your wallet. You may also be reimbursed if you have to stay in your location longer than expected, to recover.
- A natural disaster: A flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you can’t stay there due to an unforeseen natural disaster, we’ve got a silver lining in that cloud: you may be reimbursed your pre-paid, non-refundable trip expenses (more dollars for your next adventure).
What's not covered by vacation rental travel insurance?
- Furniture or any other items that are part of the vacation rental (travel insurance protects only the belongings you own.)
- Alcohol and drug-related incidents and illegal activities (partying is banned at most vacation rentals, anyway.)
- Negligence. Did you get back to your vacation rental only to discover you left a burner on...and the kitchen is on fire? Or maybe you forgot to lock up the way the homeowner asked before you checked out and a burglar ransacked the place. These types of scenarios are excluded.
- Not living up to expectations. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to stay somewhere else... on your own dime.
Psst! Want to know more about what’s covered and not covered by travel insurance? Read your insurance plan documents carefully and contact us if you have any questions.
*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
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- 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?
- Medevac 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 vacation rentals
Support for a canceled trip, stolen belongings, medical emergencies, and more
- As featured in:
As featured in:
- Why should you consider insurance when getting a vacation rental?
- Choosing the right policy for you
- What's covered by insurance when in a vacation rental?
- What's not covered?
- Tips to get the most out of your vacation rental?
Space, privacy, the comforts of a home away from home – renting a vacation home is a great way to really get to know a place, whether it’s a lakeside chalet in Switzerland or a studio in New York City. But sometimes booking from a private homeowner could add a layer of “What if?”
World Nomads travel insurance is here to help with the need-to-know details of our vacation rental coverage, so you can get on with your getaway.
Why you should consider insurance when get a vacation rental
There are lots of reasons to consider travel insurance and hopefully, the worst thing that happens when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch or experience an emergency, travel coverage can save your sanity.
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 optional extras or upgrades you add.
Choosing the right policy for you
It’s important to know that we offer two insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific holiday plans.
Keep in mind that depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities and benefits you choose.
You can get a quote, make a claim, or buy a policy instantly online, even while traveling.
What's covered by insurance when in a vacation rental?
Some of the benefits on our policies for vacation rentals may include cover (up to policy limits) for:
If your trip is cancelled
If you have to cancel your vacation rental at the last second due to something such as an urgent illness, you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
If your gear is stolen
Did a thief break into your vacation rental while you were out at dinner and make off with your expensive laptop or brand new DSLR camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim and keep any copies or original receipts.)
If you have a medical emergency
You may be staying in a comfortable home, but if you suffer an illness or injury in a foreign place, it can be a daunting experience. If you need to see a doctor or go to the hospital, you can claim your medical bills; just be sure to contact our 24/7 Emergency Assistance team.
Our team is available 24 hours a day, 7 days a week, 365 days a year to help you if you experience any issues on your travels including helping you access medical care in your location, help with translation at the medical facility and arrange medical evacuation or repatriation if required.
If there is a natural disaster
Is a flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you’ve been prevented from staying there due to an unforeseen natural disaster, we’ve got a silver lining in the cloud for you: you may be reimbursed your pre-paid trip expenses (moolah you can save for your next adventure!).
Keep in mind that terms, conditions, exclusions, and limits apply, so be sure to check your policy wording carefully. If you’re not sure whether something is covered, or have any questions, just contact us.
What's not covered?
- Illegal activities and any incidents caused from being under the influence (partying is banned at most vacation rentals, anyway.)
- Loss of enjoyment. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to take Plan B into account and choose your second-choice place to stay, which will be on your own dime.
- If you travel against medical advice, or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
Tips to get the most out of your vacation rental
- Be sure to book your vacation rental home through a reputable source or website to avoid being scammed or turning up and there’s no vacation rental at all!
- Check the rules and fine print of the vacation rental. Many rental homes have rules about maximum occupancy, age requirements, party policies and pet policies. Understand what you’re agreeing to before you book.
- If something does happen on your trip – for example, your personal effects are stolen, you need to go to hospital, or your travel is delayed – make sure you get official reports, documentation, receipts and other relevant evidence to support any claims.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, 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 hospitalized?
- 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?
- Medevac 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 teamWhat to do if you can’t go
What to do if someone at home is sick or injured.
- As featured in:
As featured in:
What to do if you can’t go on your trip because someone at home is suddenly sick or injured
1. Rearrange or cancel your bookings
As soon as you know that you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.
Just remember, if you decide to rearrange, we’ll only pay up to the benefit amount. If you don’t rearrange or cancel as soon as reasonably possible, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary. For example, if your doctor says you can’t fly for two days, but you cancel a three-week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.
2. Get it in writing
To support your claim, you’ll need to get the following:
- Doctor or other medical practitioner’s report confirming what happened and the nature of the illness or injury.
- Hospital admission report (if the person was admitted to hospital).
- Ambulance report (if they were involved).
- An Garda Síochána report (if they were involved).
- Any other relevant documentation related to what happened.
How do I make a claim on my travel insurance?
3. Keep your itineraries and receipts
You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.
Our suggestions should help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.
Ready?
4. What if someone gets COVID-19 and I can’t travel?
Having a sick relative is stressful enough, let alone having to cancel a trip overseas too! For policies purchased after 17 June 2021, we now have cover on our Explorer Plan for some Coronavirus related travel events to assist our Irish travellers, including having to cancel or postpone your trip abroad because a close relative is diagnosed with Coronavirus.
We’ve also included cover for overseas medical expenses and medical evacuation and repatriation related to your Coronavirus diagnosis and this is available on both the Standard and Explorer plans.
Please note: COVID-19 cover depends on your Country of Residence and varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
This information may help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.
All travel insurance plans are different, and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 teamWhat to do if you can’t go
What to do if someone at home is sick or injured.
- As featured in:
As featured in:
1. Rearrange or cancel your bookings
As soon as you know that you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.
Just remember, if you decide to rearrange, we’ll only pay up to the benefit amount. If you don’t rearrange or cancel as soon as reasonably possible, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary. For example, if your doctor says you can’t fly for two days, but you cancel a three week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.
2. Get it in writing
To support your claim, you’ll need to get the following:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of the illness or injury;
- Hospital admission report (if the person was admitted to hospital);
- Ambulance report (if they were involved);
- Police report (if they were involved);
- Any other relevant documentation related to what happened;
- Proof of residence (e.g. utility bills in your name, tenancy agreements, other insurance certificates).
How do I make a claim on my travel insurance?
3. Keep your itineraries and receipts
You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.
Our suggestions should help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.
Ready?
4. What if someone gets COVID-19 and I can’t travel?
Having a sick relative is stressful enough, let alone having to cancel a trip overseas too. Our policies offer cover for some Coronavirus-related travel events, including having to cancel or postpone your trip abroad because you or or an immediate relative are certified as too ill to travel due to COVID-19 by a medical practitioner.
We’ve also included cover for overseas medical expenses and medical evacuation and repatriation related to your COVID-19 diagnosis which is available on both the Standard and Explorer plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover depends on your Country of Residence.
This information may help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.
All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 team