Travel Insurance isn't health insurance. Here's why...
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Travel insurance is there to help you when you've been involved in an accident or you've fallen ill and need medical care. Our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies and not health insurance policies or private medical insurance (PMI) policies, and they don’t cover pre-existing medical conditions.
Make sure you read through your policy wording carefully to see exactly what’s covered and how we might be able to help if you find yourself in a health emergency overseas.
Nope, it's a travel insurance policy. There’s a key difference: travel insurance can include cover for health issues and medical emergencies while you’re traveling overseas, while health insurance is designed to support healthy living at home (and while we do encourage healthy living, we don’t offer health insurance, sorry).
Our travel insurance policies are there for overseas medical emergencies and are not designed to cover ongoing illness or treatment overseas, or any treatment when you get home.
If you’re injured in an accident or suddenly become ill while traveling, you may be covered for overseas emergency medical treatment, including:
We also have 24-hour, multi-lingual assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, and keep you in contact with your family back home. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
Some, but not all, of our policies offer cover for medical expenses and repatriation if you get ill with Coronavirus (COVID-19) while overseas when it is not a pre-existing medical condition. If you are diagnosed with COVID-19 while overseas your benefits may include:
To find out what cover applies to you, read our What’s Covered for Coronavirus, which has all of the details, including benefit limits, conditions and exclusions.
It’s important to note coverage depends on your Country of Residence and varies between plans.
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
This is not a full list of what's covered and what's not covered. There are limits and conditions and exclusions that apply, so for more information check out our articles on overseas emergency medical coverage and adventure sports coverage, and read your policy carefully before you buy. If you’re not sure if something is covered get in touch.
It’s essential that you get in contact with our Emergency Assistance teams as soon as possible, so that our teams can support you from the time you 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:
Travel Insurance Tip: Our policies may offer coverage for insured events resulting in cancellation, trip interruption and trip resumption. Please take the time to read your policy wording as there are limits on your coverage depending on which plan you buy and your Country of Residence.
I had been sick in India for about a month with ongoing symptoms including diarrhea, vomiting, stomach cramps, nausea, fever, loss of appetite etc. Once we had arrived in Turkey, I had an attack during the night at our hostel. I was vomiting, had diarrhea and intense stomach cramping, so my boyfriend and I thought it was best to head to a hospital. Due to my condition I could not walk, it was also 2 or 3am and we had no other method of getting to a hospital other than arranging for the hospital to send an ambulance to pick me up. Upon arriving at the hospital, the doctors undertook an examination of me and my conditions and due to severe dehydration they gave me a drip to restore my fluids. To find out what the cause of my symptoms were, they conducted tests on my blood and stool. The doctor also prescribed me medication to treat both my symptoms and illness. These included creams and also antibiotics.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
For when nature intervenes
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Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation and cancel trips. While natural disasters are unpredictable, some give off enough warning so you're not caught off guard.
While you can’t control the weather, you can do your part to insure yourself against unexpected weather events. If you don’t want to risk it, you should consider travel insurance on your next trip just in case it gets cancelled, or you become stranded overseas and need to pay for additional accommodation and flights.
If you’re affected by a natural disaster, you may be able to make a claim for:
For World Nomads policies that do cover natural disasters in one way or another, you'll need to have bought a policy before the natural disaster event is known and do everything you can to minimize your expenses.
For example, if you’re a UK resident, you’ll be covered for reasonable additional accommodation (room only) and transport costs (Economy Class) you incur during your trip, if you’ve taken out the Explorer plan and you:
Always read the policy wording as you go through the purchase path, as there are terms and conditions, limits and exclusions on the cover. Cover will depend on your Country of Residence and which plan – Standard vs Explorer – you buy.
Travel insurance tip: If your destination is impacted by a natural catastrophe or severe weather then you must contact our 24/7 Emergency Assistance Team as soon as possible so we are advised of the situation. If you do not comply with this condition, it may impact what we pay you for your claim.
For more information regarding cover for natural disaster check out our Help Center article - Am I covered for a natural disaster? Just pick your country of residence in the country picker at the top of the page to access the latest information.
In the event that you need to file a claim, we’ve created this easy to follow step-by-step guide. Be sure to gather the following documentation, as it pertains to your case:
If you have any questions about how World Nomads travel insurance covers natural disasters, please contact us.
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. Please carefully read your policy wording for a full description of coverage.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
World Nomads travel insurance is designed to help you come unstuck in sticky situations, like when you show up, but your bags don’t. Fill out the quick quote form below and get an instant quote today.
One night, I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Here are our most frequently asked questions about natural disasters and insurance. You can also find the answers to other questions in our Help Center.
Simple and flexible travel insurance for international travel. Buy, extend and claim online anywhere in the world.
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Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Here are our most frequently asked questions. You can also visit our help center for more answers.
Get back on track after your trip's been interrupted.
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If you've had to interrupt your trip and return home because you were sick or injured overseas, or one of your close relatives has been hospitalized or has died, or a severe weather event has impacted your holiday, certain World Nomads policies offer coverage for reasonable transport and accommodation expenses to get you back on the road so that you can finish your trip.
Every World Nomads policy will differ depending on your selected plan and your Country of Residence. As part of our Trip Interruption coverage, and depending on which plan you purchase – Standard vs Explorer - you may be covered (up to the benefit limits) for:
You should read your policy wording carefully to understand what you will be covered for when it comes to trip interruption. Particularly the defined Insured Events, which relate specifically to the cancellation and trip interruption coverage.
Your policy still needs to be valid for the period of your resumed trip and needs to be the one that you were traveling on when you had to return home.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
It depends on which policy you have chosen. As much as we would love to cover every possible Coronavirus (COVID-19) scenario, that‘s not what travel insurance is designed for. Some exclusions may apply for epidemics, pandemics or World Health Organization (WHO) declarations of a public health emergency of international concern. When they apply, these exclusions are outlined in your policy wording.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
This is not a full list of what's covered and not covered. There are item limits and conditions and exclusions that apply, so for more information check out our article on trip resumption and read your policy carefully before you buy.
Depending on your claim, you'll need copies of:
Travel Insurance Tip: Some, but not all, of our policies offer coverage for some insured events resulting in cancellation, trip interruption and trip resumption. Please take the time to read your policy wording as there are limits on your coverage depending on your Country of Residence and which plan you buy.
My grandmother suffered an acute subarachnoid hemorrhage after having a fall and was subsequently placed in palliative care in November. I received a phone call to return home as my grandmother only had a few days to live according to the doctors. I returned home, and she passed away. I then recommenced my travels after her passing and funeral.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Here are our most frequently asked questions about trip resumption and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.