Destinations
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.
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Bitten by a shark.
I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.
S.C. British Nomad in the Galapagos Islands.
Destinations
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.
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Bitten by a shark.
I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.
S.C. British Nomad in the Galapagos Islands.
Travel Insurance for adventure activities
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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Understand the key parts of World Nomads travel insurance
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Bitten by a shark.
I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.
S.C. British Nomad in the Galapagos Islands.
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 teamDownload our travel and storytelling guides
Get travel guides to destinations around the world, travel phrasebooks, and storytelling masterclasses, all for free.
Latest itineraries
Free destination guides
Travel storytelling masterclasses
Travel phrasebook apps for your iPhone
Travel Insurance for pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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With your new addition on board, it’s important that you have the right travel insurance to look after yourself and your unborn child.
What does travel insurance cover if I'm pregnant?
If you have to cancel because you're unfit to travel and the doctor signs off on it, you can be covered for your pre-paid, non-refundable transport and accommodation costs.
If you're traveling while pregnant, and you're suddenly ill or injured or you have an unexpected pregnancy complication (including an ectopic pregnancy or miscarriage), our policies cover:
- Emergency medical treatment
- Hospitalization
- Ambulances
- Transport to get you home for ongoing treatment (if medically required)
- Access to our 24-hour/7-day emergency assistance team
Cover for pregnancy depends on your country of residence and how many weeks pregnant you are while traveling.
For Brazilian travelers these conditions apply as long as the insured is up to the 28th (twenty-eighth) week of gestation and the complication is related to an emergency or accident.
From the 29th (twenty-ninth) week of gestation, exclusively complications resulting from personal accident will be covered.
What’s not covered for pregnant travelers
- If you decide not to travel due to your pregnancy.
- Childbirth at any time.
- A pregnancy with any complications for any pregnancy prior to buying or extending the policy.
- Routine pregnancy check-ups, e.g. standard ultrasounds and blood tests; pregnancy tests; etc.
- Fertility treatments at any time (although we're working on this).
- Expenses incurred in your home country.
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information read your policy carefully before you buy.
How to get assistance if you're sick or injured while pregnant.
It’s essential that you get in contact with our emergency assistance teams as soon as possible so that you can be supported from the time you fall sick or get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number
- The nature of your problem
- Your location
Unable to travel in first trimester.
I unexpectedly became pregnant towards the end of November. I was planning on still going on the trip until my doctor diagnosed me with Hyperemesis Gravidarum. They recommend not leaving the country due to these complications in the first trimester of pregnancy.
M.M. U.S Nomad.
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 teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Comprehensive Travel Insurance
Discover World Nomads' coverage options tailored for your overseas adventures.
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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.
Looking for bundled travel insurance* options to cover your adventure overseas? World Nomads travel insurance is designed with the adventurous traveler in mind.
While we won't say our travel insurance is fully comprehensive (because it doesn't cover everything), we built our plans around what our customers most often claim for and tell us they want.
- 24/7 Emergency Assistance in multiple languages for a range of services. If you need help (medical, lost bags, crimes, natural disasters, etc.), they should be your first call.
- Emergency medical coverage that may include hospitalization, same day surgery and out-patient treatment, emergency dental coverage, and visits to registered medical practitioners.
- Coverage for delayed, lost or stolen baggage, gear and sporting equipment.
- Coverage for some of your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
- Mechanical breakdowns or transportation strikes that shut down travel on common carriers for 24 consecutive hours.
- Coverage for more than 250 adventure activities, sports and experiences, including rock climbing, snowboarding, bungee jumping, hiking and snorkeling.
- Coverage when your trip is delayed, interrupted or cancelled.
- Pre-trip medical support via our non-insurance service partners at Runway Health & FootprintID. If you need vaccines or medicines for your vacation destination, we’ve got your back.
Some of our higher tier plans (Explorer and Epic) also offer coverage for:
- Rental Car Protection (applicable to state regulations; read your plan to make sure your state is covered).
- Travel inconveniences, like a ski resort that shuts down due to lack of snow or your cruise misses a port of call due to inclement weather. This benefit is available only if you purchased your Explorer or Epic plan within the time sensitive period.
- Pet Kenneling for your furry friend if your travel delay causes them to stay at least six hours longer at their kennel than expected.
- Trip Exchange if your travel supplier (like a tour company or cruise) changes the dates on you and you are forced to incur extra expenses, or even cancel, as a result.
- Missed connection coverage for when you arrive too late to make your trip departure (like on a cruise or tour group) and you incur extra expenses to join at a different location (or port).
You can also add “Cancel for Any Reason” coverage to the Explorer and Epic plans, although an additional cost will be incurred. This is also only available during the time sensitive period. You may want to consider this if you are planning a big trip and have invested a lot of money, or if you are worried something could come up in the future that could cause you to miss it.
*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.Surfing in Costa Rica
I was surfing at Playa Carmen near Malpais, Costa Rica. I jumped off of my board into the water and landed face-first on a rock. My chin was split open and required 8 stitches to close, administered at the local emergency clinic. They also wrote me a prescription for antibiotics to prevent infection at the wound site, which I bought at the pharmacy across the street.
AS US Nomad in Costa Rica
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, injured or dead?
- Natural disaster or terrorist attack where you’re 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 drugs 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?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro 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)
We cover 250+ activities you love
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 teamWe are World Nomads
Travel insurance, inspiration and opportunities to help you fuel your curiosity, find your journey and travel bravely.
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Explore your boundaries with World Nomads
Stay safe and informed, before, during and after your trip with our expert advice and flexible travel insurance.
Make a difference
Give back to the places that you travel to. Make a micro-donation when you buy with us to help change lives.
85% of our travelers give back when they travel.
Make a difference to those communities in need in a simple, easy and transparent way when you travel.
How it worksSeek experiences
Our community of locals and travelers share their advice and adventures to help you find inspiration and research your next destination.
Explore your world
Start planning your next trip with experiences, tips and travel guides from other nomads.
Discover destinations and activities
Travel stories
Feed your curiosity with first-hand accounts of discovery, connection and transformation.
Read the latest stories from the road
Learn new skills
Improve your creative skills, learn how to capture meaningful travel stories and go on global storytelling assignments.
Become a better storyteller
Take your passion for travel writing, photography or filmmaking to the next level.
Get pro tips, techniques and advice
Creative scholarships for travelers
Go on the learning experience of a lifetime and be mentored by pro writers, photographers and filmmakers.
Apply for a fully-funded field assignment
Compare Travel Insurance.
Find the best travel insurance for your trip.
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Taking the time to compare travel insurance policies can be the difference between making sure you get help when you need it most… or being left uncovered. That’s why World Nomads has made comparing our travel insurance simple, so you can see at a glance what is and isn’t covered.
Getting it wrong can mean not being able to replace your lost baggage, or shelling out for ski hire when yours fails to arrive off the luggage conveyer belt.
How do I compare travel insurance policies?
You must make sure the policy you select will adequately cover you, so we suggest the best starting point is determining:
- What you are planning on doing
- Where you are going
- How long you’ll be gone for
Once you’ve done that, the next step is to consider the level of cover you’ll need and what you’ll need coverage for. To help you, the claims we most often see are:
- Overseas medical
- Baggage
- Cancellation
The other must have is 24/7 worldwide emergency assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family.
Which travel insurance policy do I need?
To compare travel insurance policies just enter a few details online about yourself and you'll be able to compare our Standard and Explorer options, their benefits, and how much you’re covered for.
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.
Pulmonary Embolism.
Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
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 teamCompare travel insurance
Find the travel insurance plan that suits you on your next trip
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Taking the time to compare travel insurance policies can be the difference between making sure you get help when you need it most… or being left uncovered. That’s why World Nomads has made comparing our travel insurance simple, so you can see at a glance what is and isn’t covered.
Getting it wrong can mean not being able to replace your lost baggage, or shelling out for ski hire when yours ski gear fails to arrive off the luggage conveyer belt.
How do I compare travel insurance policies?
You must make sure the policy you select will adequately cover you, so we suggest the best starting point is determining:
- What you are planning on doing
- Where you are going
- How long you’ll be gone for
Once you’ve done that, the next step is to consider the level of cover you’ll need and what you’ll need coverage for. To help you, the claims we most often see are:
- Overseas medical
- Baggage
- Cancellation
We believe the other must have is 24/7 worldwide emergency assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family.
Which travel insurance policy do I need?
To compare travel insurance policies just enter a few details online about yourself and you'll be able to compare our Standard and Explorer options, their benefits, and how much you’re covered for.
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.
Pulmonary Embolism.
Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
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 Medical Repatriation
When your illness or injury stops you in your tracks and you have to get home for treatment.
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Serious accidents or illnesses can happen at any time during your trip, whether you’re trekking through the Eurasian Steppe or (not so) simply crossing the road in Vietnam. And if it’s bad enough to end your trip mid-way or if our medical teams recommend you return home for treatment, our repatriation cover can help get you home as safely as possible.
The cost of medical evacuations can vary, depending on a number of circumstances, including the remoteness of the location from which the evacuation might occur, as well as the type of medical care required for injuries or illnesses incurred. That's what our emergency medical, evacuation and repatriation insurance in all of our plans is designed to cover.
Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our Emergency Medical Assistance team until you no longer require treatment or assistance.
Our 24/7 Emergency Medical Assistance teams are trained to help in these situations, negotiating the complexities of hospitals, specialist transportation, airline approvals and medical escorts so you (and your family) can focus on your recovery.
How World Nomads travel insurance can get you home
Travel insurance is made to cover emergency treatment overseas and, if necessary, cover to rearrange your initial travel plans or for specialist medical transportation to get you home. If our medical teams believe it’s necessary to bring you home for treatment or ongoing care, there’s cover in all of our policies for:
- Air Ambulance
- Sea Level Aircraft
- Ground Ambulance
- Flight changes, upgrades or just more space
- Flight upgrade + medical staff.
Please note that cover is up to the amount shown in your Policy Wording and is subject to our Emergency Medical Assistance team or us, on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that:
- Transportation is medically necessary; and
- The style and timing of the transportation are reasonable and appropriate; and
- You're medically fit to be evacuated; and
- You should be transferred to the United Kingdom.
World Nomads offers benefits for medical issues related to Coronavirus (COVID-19) under the 'Emergency Medical Expenses & Medical Repatriation' section. If you are diagnosed with COVID-19 while overseas and it’s not considered a ‘pre-existing medical condition’ under our policy your benefits include evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus which has all of the details, including benefit limits and exclusions.
I need help now – what do I do?
The first step when you have been admitted as an inpatient for at least one night is to contact us as soon as possible (or get someone else to do so on your behalf). Our 24/7 Emergency Medical Assistance team can make arrangements and get pre-authorisation for your repatriation home if it's required. Our doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers get home safely to fully recover.
What's not covered by World Nomads travel insurance
Travel insurance isn’t designed to cover everything. There are some cases where it's just not possible to provide cover:
- Flight upgrades, new flights or changes without our approval (or where it's not medically necessary).
- When you refuse to return home for treatment.
- Changing your mind to not continue your trip, even if you're fit to travel.
- Medical expenses once you're back in your home country.
- A joy flight to get down off the mountain after you've reached Base Camp.
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our article on medical transport and repatriation
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 there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Get a quote today.
How to get medical assistance.
It’s essential that you get in contact with our Emergency Medical Assistance teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Medical Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Abdominal pain in Myanmar
On my second day in Burma, I woke up in the middle of the night with intense abdominal distress. I was rushed to the Asia Royal Hospital and immediately taken for evaluation and an ultrasound. I had a large mass in my abdomen and evacuated to Bangkok that evening to see a specialist. I was admitted to Bumrungrad International Hospital, where I stayed for eight days for a battery of tests, including several ultrasounds, a CT scan, and two aspirations of what turned out to be a renal cyst. After a conditional discharge, where I was restricted to rest, I was deemed stable enough to be evacuated. Two days later I was on a flight back to the U.S., where I am now continuing treatment.
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?
- 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 teamFAQ
Here are our most frequently asked questions. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Can my mum (or other family member) come and get me?
Yes, in some situations we can send your mum or a close family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
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Can I choose the sex of my nurse or doctor?
You can ask and we'll see what we can do.
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What if I'm on really heavy drugs as pain killers while I'm coming home? Will I be allowed to transit in all countries?
There are some countries which will not allow you to enter (even transit) with certain medication and in these cases we will either reroute you or discuss with your treating doctor on alternate pain killers.
-
What happens if I’m on life support?
That’s a really bad way to end your holiday, and we hope you never end up on life support. But if you do, we will look at every situation on a case-by-case basis and will try to find the best possible solution.