Travel Insurance for Scuba Diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
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Why should I consider travel insurance when going scuba diving?
Whether you’re an experienced diver or its your first time heading into the deep blue when going diving you may need to have the right level of scuba diving activity under our travel insurance plans
- What am I covered for when scuba diving?
- What's covered?
- What's not covered?
- Key tips when going scuba diving
- Want to know more?
All our plans are different and may require an upgrade to go scuba diving. Read the Product Disclosure Statement (PDS) carefully to choose the right plan and/or adventure sport option for your trip. Terms and conditions and exclusions apply, check your policy for details or contact us.
What are the different levels of activity cover?
There are three different levels of activity and sport coverage under World Nomads policies, these are as follows:
- Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan
- Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences
- Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.
Simply specify all the sports and activities you have planned for your trip when you get your quote, as you can’t add them afterwards.
What am I covered for when scuba diving?
Under our Standard and Explorer plans there are certain special conditions and exclusions depending on the type of scuba diving experience you’re planning. See our list below to know what you’ll be covered or not covered for:
- Scuba diving (qualified to 30 metres)# (1#) - Covered
- Scuba diving (qualified to 40 metres)# (2#) - Covered
- Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*) – Covered
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#) – Covered
- Cavern diving (qualified to 40 metres)*# (3*#) - Covered
- Scuba diving - commercial – Not Covered
- Scuba diving (over 40 metres) – Not Covered
- Cave diving – Not Covered
- Cavern diving (over 40 metres) – Not Covered
- Free diving - Not Covered
(*) You must be with a professional, qualified and licensed guide or operator
(#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience
Note: sporting equipment that is checked-in is only covered where the carrier requires it be checked-in due to its size or weight. Always carefully read your PDS so you are clear on what is and isn’t covered under each plan. If you are still unsure about coverage you can contact us.
What's covered?
The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer – that provide coverage when backpacking overseas.
Our plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or feeling unwell, if severe weather interrupts your plans, and for many other reasons.
World Nomads may offer cover for the following (up to the policy limits):
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses
- Overseas emergency medical: exploring the world through a scuba diving lens can be a great experience, but not if it ends in sickness or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while abroad
- Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans
- Delayed baggage: It can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo
- And much more…
Note: Read your PDS for details on maximum benefit limits, exclusions and terms and conditions of your coverage.
Travel insurance tip: World Nomads provides travel insurance for more than 150 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
What's not covered?
Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.
These include, but are not limited to:
- Diving professionally
- Reckless behaviour while diving or doing any activity or sports
- Search and rescue expenses
- Your scuba dive equipment while it is in use
- Diving under the influence of drugs or alcohol
- If you don’t keep your gear safe and secure at all times.
- Expenses that can be recovered from other sources e.g., transport carriers, accommodation providers or other insurance policies
Key tips when going scuba diving:
- Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval.
- Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers.
- When scuba diving with a group, listen to your instructor or dive guide regarding the planned route and what to look out for.
- Monitor your air gauge and make sure you have enough air left to get back to the boat.
- Descend and ascend slowly during every dive.
- Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
- Don't fly for at least 24 hours after scuba diving. The aircraft's pressurised environment can trigger decompression sickness if you still have excess nitrogen in your system.
- Make sure you have the right level of scuba diving travel insurance and that the kind of diving you plan to do is fully covered.
Want to know more?
Our Help Desk article on scuba diving can help you out if you have any further queries on coverage.
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 PDS 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.
World Nomads love scuba diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 40 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Cavern diving (up to 40 meters – an additional premium applies)
- Snorkeling, island escapes, live-aboard trips, and more
FAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Help Centre or you can ask the customer service team.
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What’s covered when scuba diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
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How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help you access the care that you need. For further info, click here.
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What if the airline damages my gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalisation and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you don't have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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 ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.
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As featured in:
Whether you're carving up the slopes, enjoying the crisp powder, or unwinding après-ski, mishaps can occur both on and off the mountain. Whether you're a newbie going to ski school or a seasoned enthusiast chasing winter thrills, World Nomads travel insurance can help if the unexpected interrupts your winter escapade.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on the plan and options you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your gear is lost, stolen or damaged. We may even pay for you to hire replacement ski and snowboard gear depending on your policy.
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family to a winter wonderland!
Choosing the right travel insurance policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Backcountry Skiing and boarding
- Cross-country skiing on marked trails
- Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting and more.
It’s important to note that all plans are different and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Policy Document carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old or while in use
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documents such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
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 contact us.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
FAQ's
Here are our most frequently asked questions about skiing and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
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Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.
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Do you cover trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.
-
Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.
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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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 ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
It doesn’t matter whether you’re all about the big dumps, fresh powder or apres-ski, accidents can happen on and off the piste, even for the most experienced powder hound. If you’re learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help if the unexpected hits your next winter adventure.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on the plan and options you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your gear is lost, stolen or damaged. We may even pay for you to hire replacement ski and snowboard gear depending on your policy.
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family to a winter wonderland!
Choosing the right travel insurance policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Backcountry Skiing and boarding
- Cross-country skiing on marked trails
- Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting & more.
It’s important to note that all plans are different and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Product Disclosure Statement carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old or while in use
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
FAQ's
Here are our most frequently asked questions about ski and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
-
Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.
-
Do you cover trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.
-
Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.
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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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 bungee jumping
Whether it's called bungee or bungy jumping, be sure you're covered before you leap.
- As featured in:
As featured in:
- What types of bungee jumps are covered?
- Choosing the right policy for you
- What's actually covered when you go bungee jumping?
- What's not covered when bungee?
- World Nomad's handy tips for your bungee jump
Bungee jumping is truly the height of adventure! Standing on the edge of the platform, feeling the wind blowing on your face, the tightness of the ropes around your ankles – and the tightness in your throat and stomach as you prepare to jump! But before you do, follow our tips and make sure you’re covered.
What types of bungee jumps are covered?
Depending on your Country of Residence, all bungee jumps are covered on both our Standard and Explorer plans. However, it is a special condition that you must jump with a professional, qualified and licensed guide, instructor or operator, otherwise you will not be covered.
If you're a Brazilian resident: sorry, we cannot cover any bungee jumping on any plan.
Choosing the right policy for you
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. 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 bungee jumping plans.
You can’t upgrade your policy after the cooling-off period so choose carefully when considering purchasing a policy. Check out your policy wording and contact customer service if you’re unsure what your cover includes.
What’s actually covered when you go bungee jumping?
World Nomad’s travel insurance offers cover for these key benefits, up to policy limits:
- If you’re injured or have an accident whilst bungee jumping
If you suffer a bungee jumping injury or accident on your jump, our emergency medical coverage may cover you for emergencies that require:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
If you need medical treatment, it’s essential that you get in touch with our Emergency Assistance team as soon as possible so they can support you.
- If you need to be evacuated or repatriated
You might be bungee jumping in a canyon far from medical assistance, and our policies include coverage if you need to be evacuated to a medical facility.
- Emergency Assistance Team available 24/7
Having an emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Our Emergency Assistance team can help with a range of services in whatever part of the world you’re traveling, can speak multiple languages and they’re available 365 days a year.
- Cancellation of your bungee jump
If your bungee jump is cancelled or interrupted due to an unforeseen event, you may be able to recover your additional travel expenses. This includes if your jump is affected by a natural disaster, or your destination is affected by an extreme weather event.
Note: keep in mind that all plans are different depending on the plan chosen and your Country of Residence. Terms, conditions, limits, and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure about anything, contact us.
What’s not covered when bungee jumping?
While we can offer coverage for bungee jumping, there are also things we just won’t cover. These include, but are not limited to:
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Expenses you incur after you return to your Country of Residence.
- Working or participating professionally in any activity or sport.
World Nomad’s handy tips for your bungee Jump
- Put your safety first: only go bungee jumping with professional, qualified, licensed and reputable operators. If you don’t, your cover may be void. If something doesn’t feel right, then don’t jump.
- Follow all the instructions the professional guides give you - they are trained professionals and are there to make your jump the best it can be.
- Wear comfortable clothes – casual clothes that aren’t too loose and footwear that won’t interfere with the ankle harness. Consider taking warm clothing – it can get cold in the wind!
- Avoid over-eating before jumping – or you could leave it behind.
- Have fun! Embrace the nerves and go for the once in a lifetime opportunity!
Want to get a taste of bungee jumping? See World Nomad’s Jabari Smith as he jumps off of the famous 440ft Nevis Bungy in Queenstown, New Zealand.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Canada
In this northern star, don’t forget these travel insurance tips for your next adventure
- As featured in:
As featured in:
The world’s second biggest country has a lot to offer travelers, including the grandeur of Canada’s Rocky Mountains, epic road trips across the plains, and great nights out sampling the many gastronomical delights of the French-inspired Montreal and Quebec.
Wherever your visit to the ‘Great White North’ takes you, World Nomads offers travel insurance that includes cover for:
- Medical emergencies
- 24/7 Emergency Assistance
- Coverage for some Coronavirus related events
- Cancellation
- Travel Insurance Cover for Adventure Activities
And if you’ve already left on your trip, with World Nomads you can buy travel insurance while on the road.
Medical Emergencies
From Poutine-eating competitions to stunning road trips and adventure activities, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and then worry about how you’re going to pay the medical bill. Overseas medical insurance offers cover for emergency medical treatment in Canada for events such as:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
24/7 Emergency Assistance Team
Our multi-lingual team is here to take the stress out of already stressful situations. They are available 24 hours a day, 7 days a week, 365 days a year and can offer assistance such as translation if you don’t speak French and in case of an emergency, arranging medical transport, providing payments direct to providers and giving support to you and your family.
Coverage for Coronavirus
Depending on your Country of Residence and the travel insurance plan you choose, you may have access to Coronavirus (COVID-19) coverage for certain events.
To find out what cover applies to you, select your Country of Residence and read our What’s Covered for Coronavirus article which has all of the details. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Cancellation
With all of the uncertainty when it comes to travel over the past few years, the last thing you want is to be out of pocket if you have to cancel your travel plans unexpectedly.
Depending on your Country of Residence, our travel insurance policies can offer coverage for some non-refundable, pre-paid transport and accommodation expenses, so you've got one less thing to worry about.
All of our policies can offer coverage for you if you can’t travel because:
- A doctor certifies that you’re medically unfit to travel,
- You, your travelling companion or a close relative is hospitalized or dies.
Travel Insurance Cover for Adventure Activities
Our travel insurance policies offer cover for more than 150 activities, sports and experiences from skiing in Whistler, to hiking in Alberta and mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting. Some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply – these will be outlined in your policy wording.
We offer two types of travel insurance plan – Standard and Explorer. While there are many activities covered on the Standard plan, those feeling extra adventurous may need to upgrade to the Explorer Plan. You’ll also want to read the exclusions section of your policy closely because some activities such as Mountaineering or professional sports are not covered.
Remember, if you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organize your policy.
Please note that this information is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the policy wordings for complete details of coverage and exclusions.
If you have a question about coverage, contact us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Asia
Travelling to Asia? With half the world to explore, there's a lifetime of adventure just waiting for you.
- As featured in:
As featured in:
Travel in Asia
Draw a circle around the section of the globe that contains India, China, Japan, and Southeast Asia, and you have more than half the people on the planet.
With that many people and that many cultures, imagine the diversity of what you can experience traveling in Asia. The spirituality of major religions like Buddhism, Shintoism, and Hinduism. The majesty of the highest peaks, from Mt Fuji in Japan to the highest of them all – Mt Everest in Nepal. The vast differences in culture from places like South Korea, to Thailand, to Sri Lanka. And the realization that while circumstances may be different, people are the same the world over.
Things to consider when traveling in Asia
Scooter and motorbike safety
If you’re wondering whether you’ll need a licence to ride a motorbike or scooter the answer is Yes. You must have the appropriate license to ride a scooter or motorbike from your Country of Residence. If you do not have the appropriate license from your Country of Residence and you have an incident, you may not be covered.
You’ll also need to wear a helmet to ensure you are covered under our policies. Injury from a motorcycle accident is one of the most common claims. Many countries in Southeast Asia – especially Thailand - require you to wear a helmet while driving.
If you end up in a motorbike or scooter accident whilst traveling in Asia, we may offer cover for emergency medical expenses for treatment at the hospital or by a doctor; evacuation to a suitable medical facility if required; and repatriation home if you’re seriously ill or injured and unable to continue your trip. Our 24/7 Emergency Assistance Team can support you with translation services and finding a medical centre or hospital. They can also arrange for an emergency evacuation to the nearest hospital, or medical repatriation back home if required.
If you have an accident while traveling in Asia, follow these steps to keep safe, and make a claim.
Did you know our policies offer cover for 150+ adventure activities, sports and experiences across Asia including using a scooter, scuba diving up to 30m, hiking and more.
Bali belly and Gastro issues
Eating all the tasty food is a must when traveling in Asia, however it’s also one of the most common causes for claims. The best advice is don't eat anything that's been sitting around, even for a short while. Fresh is best, so insist on the food being freshly cooked. Always wash your hands before eating and avoid tap water if possible.
Be sure to seek medical advice with plenty of time before your trip to organise vaccinations or preventive medicines you may need, such as tetanus, typhoid and yellow fever vaccines and malaria medication. You should also buy a strong mosquito repellent, as this can help protect you from dengue fever and malaria.
Your coverage will vary according to your Country of Residence and whether you chose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage. Contact us if you have any questions about your cover.
Theft
The best rule to go by is to employ common sense. Don’t leave your bag or valuables unattended or unzipped. Put your wallet away after purchases. Ride by bag snatchers are a thing in some Asian countries, so you’ll need to be vigilant. Do NOT try to hang onto the bag if it’s grabbed. If there’s nothing of value in your bag, it’ll be easier to let the thieves have it and avoid a confrontation.
We also advise leaving important documents, passport and credit cards in your hotel safe or a locker, if available.
Trains are the safest option out of several public transport options in Asia, however if you’re traveling overnight, you should take extra measures to secure your valuables while you snooze. Take padlocks, bike chains, cable ties, or whatever you prefer to secure your bags. Whether you are traveling on a bus, train or ferry our tip is to not stow anything of value in the luggage compartment.
Our policies can offer cover if your belongings are stolen (up to policy limits), depending on your Country of Residence and plan chosen. Don’t forget to keep your police report and make a copy to submit with your claim. If you’ve had your belongings stolen, follow our guide for what to do next.
Our policies aren’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 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)
True Claims Stories
“A motorcycle came from behind me and stopped next to me, so I stopped walking. Two people wearing helmets were on the motorcycle. The driver was gesturing although I didn't know why, I didn't hear him/her say anything. I felt a slight pull on my bag and on my backpack strap, and then the motorcycle rode away out of sight. The motorcycle passenger had taken my bag. The strap of the bag must have been cut. I couldn't see a license plate. I continued to my hotel and reported the theft to the police the next day.”
Japanese resident in Thailand
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 China
From boom to bamboo, Great Wall to the Gobi Desert. In such a diverse country, only one thing’s for sure; nothing’s for sure.
- As featured in:
As featured in:
- What's covered when traveling in China?
- Five top things to be aware of when traveling in China
- What's not covered?
- Need some more travel inspiration for your Chinese odyssey?
Ni Hao! Whether you’re braving the crowds of Beijing, retracing the footsteps of nomads before you on the Silk Road, or hiking the Great Wall, China is as diverse as you’d expect a country of 1.4 billion people to be.
Such uniqueness brings surprises – some amazing, others not so. This is where travel insurance comes in. World Nomads policies may help in the face of the unexpected, allowing you to explore China with the confidence of a support team behind you.
What’s covered when traveling in China?
All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
Consider if you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Five top things to be aware of when traveling in China
- Conquering the language barrier in a crisis
Emergencies abroad are stressful enough but try navigating any Chinese system when you don’t speak Mandarin, Cantonese or the local dialect… lucky you have travel insurance with World Nomads.
In a medical emergency, you can contact our 24/7 Emergency Assistance team, who can direct you to nearby medical care, talk to doctors for you, and provide payments direct to providers if needed. They can also provide assistance with lost passports (what to do, embassy location), or provide assistance in case your checked-in bag ends up in Hunan instead of Hainan.
It’s worth knowing that while we can help with communication on the ground, you’ll need to translate paperwork into English when you lodge your claim.
- Going off the beaten track on an adventure?
If you’re the kind of nomad that likes to see a country from all angles, including upside-down, underneath and above, you’ll love that our policies may cover more than 150 adventure activities, sports and experiences including:
Depending on your plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.
Keep in mind that coverage for an activity may have specific requirements, and if you don’t comply with them, you may not be covered. For example, if you plan to drive you must be licensed for that type of vehicle both at home and in China, that means getting a Chinese driver’s license (always check if your international driving permit is recognized).
- Keep your gear safe
In a country of 1.4 billion people, some places you go to are bound to be busy and crowded. Where there are crowds there are often pickpockets. With our travel insurance policies, you may be able to make a claim for replacement or reimbursement of stolen items, up to a per item and total maximum limit.
When traveling in China, you must take reasonable care to protect your belongings, or they may not be covered if stolen. This includes carrying valuable items with you such as electronic devices, jewelry, cash, travel documents and credit cards, and never leaving them unsupervised.
If your stuff is stolen, you must report any theft to the local authorities as soon as possible and obtain official documentation to support your claim.
Terms and conditions, limitations, and exclusions apply so be sure you check your policy wording.
- Medical emergencies in China
Your health and safety are a priority when you’re adventuring in a foreign country. Things like traffic accidents, bicycle crashes and food poisoning are all too common in China. That's why our plans cover emergency medical expenses if you fall ill, get into an accident or get hurt on your travels.
China is a massive country, and once you leave the large cities access to medical care can pose a challenge. If your adventures take you into remote parts of China and you need emergency evacuation, our policies may also cover you.
- Travel delays and cancellations
China’s airports rank amongst the top ten in the world for flight cancellations and delays.
If your travel plans are affected by a delay or cancellation - our policies may help salvage pre-paid, non-refundable trip expenses that you’ve had to forfeit if a covered event disrupts your plans.
Keep in mind to check your policy for any terms and conditions, limitations and exclusions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason.
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.
What’s not covered?
Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Be sure to read your policy wording for all exclusions, and if you’re not sure whether something is covered, just ask us.
Need some more travel inspiration for your Chinese odyssey?
Check out our handy travel guides and insider travel tips:
- 6 things to know before visiting China: useful travel tips
- 5 Chinese villages with loads of history to discover (get out of the big smoke and into the countryside!)
- 5 food experiences to have in China (drool!)
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 outlined in the policy wording. 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 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 France
What you need to know about travel insurance for a trip to France.
- As featured in:
As featured in:
- Baggage and personal effects theft
- Rental car coverage and road safety
- Getting the most out of activities cover
- Medical emergencies
- What is overseas medical cover
One of Europe’s cultural capitals, France offers many varied experiences – from the azure waters of the French Riviera to a quiet café down an alley in Lyon, or the surprises that await you in the Louvre. But for surprises of the unpleasant kind – a delayed connection at Paris Charles de Gaulle airport, pickpocketing on the Metro, or a tumble down the ski slopes in Chamonix – World Nomads is here to back you up.
Baggage and personal effects theft
Petty crime and the theft of personal belongings can be common in Europe, especially in popular destinations or crowded transport hubs.
All World Nomads travel insurance plans have some coverage for theft, or if a carrier has lost your checked in luggage, depending on your Country of Residence and your chosen plan.
However, with any insurance plan, limits, conditions and exclusions may apply. For example, if you have simply misplaced your bags or if your gear gets damaged. Generally, you need to be able to show that you took reasonable care to look after your things.
Tips for keeping your gear safe:
- Before you travel to France, keep a copy of your receipts or other proof of ownership, as you’ll need to provide this with any claim if your things are stolen.
- 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.
- In high-volume tourist areas and automated service stations, protect your PIN. If possible, use ATMs in more controlled and supervised areas such as banks, shops and shopping centers.
Tips for making a baggage and personal effects claim:
If general, you will need a police report, or some other kind of report from an authorized representative (e.g., a property irregularity report from the airline or bus company if your bags were checked in), to validate baggage/gear claims.
- If you need any help as a result of theft, you can contact our 24/7 Emergency Assistance Team.
- Need to know what documentation you’ll need to get for a claim?
- If your stuff is stolen, follow the steps in our handy guide to make a claim
- If your passport is stolen, don’t panic – we can help
- If the airline loses your bags, or they are delayed, you may be able to make a claim if you have the information outlined in this guide
Rental car coverage and road safety
While you might consider road trips to be safer than bungee jumping or sky diving, road-based travel comes with its own set of risks. World Nomads is here to help whether you’re navigating lane changes on the périphérique (ring road) around Paris or bumping along a country road with the following benefits:
- Rental car coverage for theft and damage insurance excess is available on select plans (benefits depend on your Country of Residence and/or your choice of a Standard or an Explorer plan)
- Our multi-lingual Emergency Assistance Team is at your service 24/7 to get you through a medical emergency or if you need emergency evacuation.
Tips for a safe and fun road trip in France:
- In addition to breakdowns or accidents, theft can happen anywhere – even the countryside isn’t immune to rental car break-ins, so be sure to take care of your belongings
- Don't forget to stop regularly for breaks to beat fatigue. Motorways have aires (approved roadside parking areas), which can be as simple as a picnic spot or a service center with more amenities.
Going on an outdoor adventure?
The diversity of France’s geography means that there’s a beach, river canyon or snow-capped peak for every adventurer and every skill level. World Nomads travel insurance policies are built for adventure, and our policies can cover more than 150 activities, sports and experiences including cross-country and alpine skiing, hiking and mountain biking.
Getting the most out of activities cover
- Some activities may require you to use specific safety gear or to be accompanied by a licensed guide, so check your policy for any conditions.
- Be sure read the exclusions section of your policy closely. Activities such as mountaineering, search-and-rescue missions, and those above a certain elevation may not be covered.
- Additional premiums may apply, depending on your Country of Residence. Your choice of a Standard or Explorer plan may also determine what activities are covered.
- If the activity you want to do isn’t listed, or if you have any questions, contact us.
Medical emergencies
While French nationals benefit from a universal health care system, travelers from outside the EU may be out of pocket if they get into a cycling accident on a country road or get sick from a steak tartare or unpasteurized cheese. All World Nomads policies offer some cover for overseas medical, and you can make a claim for reimbursement for these medical expenses (less any excess, which may apply), even if you’re still traveling.
What is overseas medical cover?
Having a policy with World Nomads also means you have access to our Emergency Assistance team, who are here to support you 24/7. They can help you find the nearest medical centre, and if it’s more serious they can arrange for an emergency evacuation, and set up direct payments to the medical facility if needed, so you can focus on your recovery.
Tips for making a claim for overseas medical:
- If you need to make a medical claim, follow this guide for all the information you will need to submit with your claim.
- Depending on your Country of Residence, you may be able to get a cash advance from World Nomads to help pay for your bills before you get any services or treatment.
- Medical claims can be complicated, and you may be asked for additional documentation. We may ask you for the medical bill, but also proof of payment.
Travel insurance doesn't cover everything. All 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.
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 teamA true claim story
Travel insurance for India
Spirituality, cacophony and colour
- As featured in:
As featured in:
Essential travel insurance tips for travelling through India
India is a destination like nowhere else in the world. Steeped in sacred tradition, ablaze with colour, and emanating a culinary aroma all its own - the moment you step off the plane in India your entire being is enraptured. But just because a country has captured your heart and soul doesn’t mean a jaunt through its wonders will come hassle free.
- Culinary delight or medical emergency?
- How can World Nomads’ travel insurance help with Delhi belly?
- Lightening your load… and your valuables
- Consider protecting yourself and your gear
- Steer clear of scams
- Hidden treasure or dangerous conflict zone?
- Frequently asked questions
Keep the harmony in balance with these essential tips that can help us help you if ever the need arises.
Culinary delight or medical emergency?
So you’ve arrived in India, homeland of tikka, korma, and madras curry. There’s just one little thing lurking, ready to knock you and your travel plans off their feet… gastro!
Otherwise known as “Rangoon runs,” “Delhi belly”, or just plain diarrhea, it singlehandedly derails more Nomads’ trips to the Taj than any other insurance claim in India. Many Nomads have experienced gastro before and know the standard precautions to take: check the seals on bottles, wash your hands, and only eat steaming hot food that’s cooked in front of you.
What you may not be ready for is the impact of a full-blown episode of authentic, Indian-food inspired gastro that scoffs at the western medicine you may have in your backpack and throws it back in your face… literally. Indian gastro typically hangs around a lot longer than you might expect if not treated with the right medication early. Combine that with the often-unrelenting heat of an Indian summer, and dehydration can leave you very ill.
To find out more about what you may be covered for when it comes to health emergencies check out our travel health article.
How can World Nomads’ travel insurance help with Delhi belly?
We recommend travelers with a World Nomads policy contact us earlier rather than later if they get a bout of gastro in India – we really don’t want you to miss seeing the Taj or, even worse, your connecting flight to your next destination.
A local operator can help you place a reverse charge call to our 24-hour, 7 days a week team who are trained to deal with these situations, or you can look to claim back the cost of the call later. We’ll be able to give you info on what to do next, help locate local suitable medical facilities where you can be seen by a medical professional who can prescribe antibiotics or other medication and, if necessary, arrange hospitalization depending on the severity of your gastro.
Policies vary depending on your Country of Residence and which plan you’ve chosen. Cover can include emergency local medical expenses and the costs of your trip being interrupted if the furthest you’re able to travel is to the toilet and back.
Find out how to (try to..) avoid Delhi belly and stay healthy while in India with these top tips.
Lightening your load… and your valuables
Before you hop on that 15-hour Mumbai to Goa bus, there are some things you need to know, because if you don’t take the right precautions, your policy may not cover you for theft. Cover varies depending on the plan you’ve chosen and your Country of Residence (so make sure you read the policy terms and conditions), but generally, travelers must be able to show they took “reasonable care” to protect their valuables.
In India, this means if you leave your bags where they might be rifled through – such as at your feet on a busy bus, in the train baggage compartment or with people you’ve only just met – you may not be covered. Beautiful India… gorgeous, exotic, stunning and oh so dangerous for the unprepared. Before you head off on the Spice Trail, here are the top 3 tips to help protect yourself and your gear.
Consider protecting yourself and your gear
If your country’s government advice is to not travel to a particular area in India, your travel insurance can be void if you book or travel there. Lock your luggage and use under-clothing wallet holders for important documents, passport, and credit cards, with a small amount of rupee on hand for the journey’s expenses. Take turns sleeping on public transport, never leave your bags unattended or with someone you’ve just met, and always stay aware.
One of our Nomads reported having his bag stolen from under his sleeping head, so if it’s not zipped in, padlocked, and secured out of sight, you may lose it. Before you travel, make sure you have receipts for your valuables, and keep your passport, bank details, and photocopies throughout your bags. You will need a police report to claim, and even though those local Indian police stations can be frustrating to deal with. Do try to get something in writing and document everything you do – the more information you can provide with your claim, the better.
Steer clear of scams
Like pickpockets, scams are rife in India. The good news is if you know how to spot a scam before you go, you’re less likely to fall victim to the often-convincing trap of a scam.
Places like tourist attractions, train stations, and bustling streets are a free for all peppered with dodgy scammers on the lookout for fresh travelers. This article on ‘How to Avoid Common Scams When Traveling in India’ is a good place to become acquainted with how to spot a scam when you’re presented with one. But if there’s a key takeaway it’s reminding yourself if it sounds too good to be true, it is.
Hidden treasure or dangerous conflict zone?
If you want to go off-the-beaten-track in India, you really need to do your research first to ensure you’re not going to void your travel insurance, or worse, end up in jail, injured, or dead.
As they’re often disputed and unmarked, borders between India and its neighbors can be particularly risky to travel to.
If your country’s government advice is to not travel to a particular area in India, your travel insurance can be void if you book or travel there, intentionally putting yourself in harm’s way. Common areas that many countries recommend you do not travel to in India include:
- In the north: the areas of Jammu, Kashmir and Srinagar (including Gulmarg, Pahalgam, and Sonamarg) experience sporadic terrorist activity and violent demonstrations, which travelers might get caught up in.
- To the west: various warnings exist for the immediate vicinity of the border with Pakistan in the states of Gujarat, Rajasthan and Punjab due to landmines and unexploded ordnance.
- To the east: areas in Assam bordering Bangladesh, and areas in Manipur and Nagaland bordering Myanmar may be “No Travel” areas due to the risk of insurgency.
Encountering mishap while on the road is never fun, and even worse, with void travel insurance, if anything goes wrong, you’re entirely on your own.
Always check your insurance policy and your government’s current list of travel warnings before you book your travel to India. World Health Organization can also provide the latest updates for travelers headed to India. If you’re not sure, contact us.
All of 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.
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Frequently asked questions
Can I drink the water in India?
This is a firm no. Tap water in India is not safe for drinking, brushing your teeth, or slurping in the shower. It’s also advisable to stay away from foods that may have been washed with tap water, such as lettuce and other salad items. A good rule of thumb is if it’s not cooked or peeled it’s not safe. And don’t forget to say ‘no thanks’ to ice cubes in your drink - they’ve been made from tap water.
What vaccines do I need when traveling to India?
While no specific vaccination is required to enter the country—unless you’re traveling to India from a yellow fever affected region—most home countries will recommend some vaccinations. These typically include Hepatitis A and B, typhoid, and meningitis. Speak to your medical provider well in advance of your trip to ensure you’re properly covered.
Is malaria an issue in India?
Yes, malaria continues to be an issue throughout India. While the risk of contracting malaria in areas such as Delhi is lower, it’s still possible. Seek out medical advice before traveling to India to ensure you’re protected from malaria while overseas.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Traveler tip: your exact coverage benefits will depend on your Country of Residence and the plan you select, each with different policy benefits and limits to cover. Make sure you read your World Nomads policy, which explains in more detail the types of situations that are and are not covered.
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 Italy
Explore la dolce vita
- As featured in:
As featured in:
There are more hidden gems in Italy than there are varieties of pasta and gelato, from sampling limoncello while watching an Amalfi sunset, swimming the turquoise waters of Lake Garda, or visiting the World Heritage-listed site of Pompeii.
- What's covered
- Will I need a Schengen Visa to go to Italy?
- Going off season and off the grid
- Pickpockets and other scammers
- Planning on an adventure?
- 24/7 Help if you fall sick or get injured
- Trip delays
- Looking for more travel inspiration for Italy?
When you head to the Bel Paese, you’ll no doubt have an unforgettable trip; World Nomads just wants to help make sure it’s unforgettable for the right reasons.
What's covered
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around Italy. All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Worldwide 24-hour Emergency Assistance Team
- Cover for some Coronavirus-related events.
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. Always make sure you read the policy wording carefully.
Will I need a Schengen Visa to go to Italy?
Yes! When in Italy it’s very important to have a valid passport and a Schengen visa if you’re not a European citizen as this will help you move freely around the 27 EU member states. Depending on the Schengen country where you are applying for the visa, authorities may ask you for a Schengen visa letter.
If you’re not a resident of a Schengen visa country, you will need to get a valid Schengen visa to move freely in the 27 EU member states. Before you can get your visa, you'll need valid travel insurance.
Going off season
It’s a good idea to visit Italy in the shoulder seasons, especially if you want to avoid large crowds and want cheaper flights and accommodation. Many of the main cities in Italy in the summer months will be full of tourists. If you do go outside of peak season – either in the autumn months (September to November) or the spring months (March to May) - flights may be cheaper, as will hotels and even shops.
Also, if you do go in the peak season, it may be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Locorotondo in Puglia, Trento in Trentino, Mantua in Lombardy, and Tropea in Calabria.
Check out our travel alerts to stay up to date on any travel restrictions or travel changes for Italy.
Pickpockets and other scammers
Italy might be the home of high fashion brands, but even a humble backpack can draw attention here, thanks to pickpockets. Always be vigilant with your personal items, especially in crowded areas where you’re likely to get jostled, especially on the buses, metros and trains, and busy tourist sights.
What to do if your gear is stolen
- If the worst happens, and you realize your personal effects have been stolen or damaged, you may be eligible for coverage on the loss, subject to claim assessment.
- As soon as you’ve noticed your bags have been stolen or damaged, report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of theft, you’ll also need to report it to the local police or relevant authority.
- Generally, insurance won’t cover things such as losing bags or valuables that are left unattended. Remember to always keep originals or copies of your receipts if you need to make a claim.
When it comes to theft, prevention is best, check out our top 5 safety tips for Italy article before you go.
Planning on an adventure?
If you’re planning on skiing down the snow-dusted slopes in the Dolomites or cycling through cinematic Tuscany, World Nomads has you covered with cover for more than 150 adventure activities and sports.
Additional premiums may apply, depending on your Country of Residence. Your choice of a Standard or Explorer plan may also determine what activities are covered. Just select your Country of Residence to see those that apply to you. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.
24/7 Help if you fall sick or get injured
In a medical emergency, say an injury or equipment failure that leaves you on your derrière, it’s comforting to know you can contact World Nomads for 24/7 Emergency Assistance. They can help you find care nearby, communicate with doctors, and even assist with any paperwork that you’ll need for out-of-pocket expenses. (While Italian citizens have nationalized healthcare, visitors from non-EU countries may have to pay for the cost of their treatments.) With a World Nomads policy, you may be covered up to a maximum benefit for emergency accidents and sickness medical expenses.
Trip delays
One of the most common reasons World Nomads gets a worried call from travelers is an unforeseen travel delay. Maybe local train employees are on strike or the bus you booked has been in a road accident.
Depending on the plan selected, with a World Nomads policy, you could get reimbursed for any expenses you incurred and even a one-way ticket home if the delay is caused by an event specified in your policy and sets you back for a certain amount of time. Just be sure to keep your receipts and copies of your rescheduled itinerary.
Whatever you’re planning, be sure to read over your policy carefully and contact customer service if you have questions.
Looking for more travel inspiration for Italy?
World Nomads has various articles that cover a range of fun topics on Italy, here’s a sample of some of our content:
- 5 Things Travelers Should Know Before Driving in Italy
- Skiing Italy's Dolomites: 8 Important Safety Tips
- 5 Things to Know Before Going to Italy
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
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 companion 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 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 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 team