Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
- As featured in:
As featured in:
For information relating to policies purchased prior to 03 February 2022, please check the PDS provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 03 February 2022 please see below.
This shouldn't need saying, but just in case, here it is: Talk to your doctor about your travel plans. Listen to what they say.
Have that conversation before you buy insurance or even book your flights.
While pregnancy is not considered an existing medical condition, there are limits and restrictions on how and when we cover pregnancy, so it's good to be informed before you start planning your trip.
What does travel insurance cover when you're pregnant?
The most important thing to know is this: If you fell pregnant before you bought your insurance or fall pregnant afterwards, cover may be available for a pregnancy related illness that occurs up to the end of the 26 week of your pregnancy. Also, you can’t have a history of any complications with any previous pregnancy.
If you meet the above criteria and suddenly something medical happens to you while you're overseas, being pregnant won't change your cover. When looking at whether you should continue travelling after your illness or injury, our 24/7 Emergency Assistance team will take the pregnancy into account.
What's not covered
Aside from a pregnancy not falling within the above guidelines, we also won't cover any childbirth, antenatal care or newborn care costs, regardless of whether we're covering the pregnancy itself. We won't cover a loss arising from pregnancy-related illness after the 26th week of gestation.
We also won't cover you if your medical practitioner told you not to travel, nor will we cover you for any routine check-ups.
If you're thinking about getting pregnant, please know that we don't cover any costs relating to fertility treatment, either. These restrictions also apply to members of your travelling party and close relatives.
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.
How to get assistance if you're sick or injured while pregnant.
It’s essential that you get in contact with our emergency assistance teams as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Threatened miscarriage
I did a pregnancy test and found it was positive. I went to the doctor and because I had had some bleeding so it was a threatened miscarriage and I had to have an ultrasound and see an obstetrician.
Aussie Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Has one of your relatives died?
- Has a bushfire damaged your home?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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If I decide to return home during my trip, is there cover for those expenses?
No, there's no cover for change of mind.
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If I fall pregnant before my trip, can I cancel?
The policy doesn’t cover cancellation for change of mind. If you have complications with your pregnancy, World Nomads can offer you cover.
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Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing pregnancy complications.
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Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies cover pregnancy.
Travel Insurance for Trip Cancellation
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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As featured in:
Trip Cancellation Travel Insurance: At a Glance
- Covers prepaid, non-refundable travel costs if your trip is cancelled for insured reasons
- May cover cancellation due to sudden illness, injury or death
- Natural disasters, severe weather and strikes may be covered
- Covers cancellation if a travelling companion becomes seriously ill
- May apply if your employer cancels approved leave or makes you redundant
- Benefits depend on your policy plan, country of residence, and cancellation limits
- Claims require evidence like receipts, bookings and cancellation notices
- Always check the PDS for full terms, conditions, limits and exclusions.
- What can World Nomads travel insurance cover if I need to cancel?
- What you need to do if you can’t travel anymore
- What’s not covered by travel insurance?
- Travel tips for Aussies
- FAQs: Trip cancellation cover for Australian travellers
Sometimes travel plans change in the blink of an eye. It could be an unexpected illness or injury to natural disasters or sudden strikes; trip cancellations can happen for many reasons. Having travel insurance cover for trip cancellation may help recover some of your prepaid, non-refundable costs if an insured event ruins your trip.
Here’s how World Nomads travel insurance may help on your next big adventure.
What can World Nomads travel insurance cover if I need to cancel?
If you need to cancel or reschedule your trip due to specific insured events, then you may be covered for up to 14 specific insured events including, sudden illness or injury, or a natural disaster. For example:
- Your sudden death, sudden illness, or serious injury, or the sudden death, sudden illness or serious injury of your close relative requiring hospitalisation
- The sudden death, sudden illness or serious injury of a member of your travelling party
- Your transport is cancelled or delayed because of severe weather, natural disaster, or strike
- You're made redundant or your employer cancels your pre-arranged leave.
If your claim is approved, you may be reimbursed up to policy limits for prepaid, non-refundable travel expenses such as flights, accommodation, tours or activities.
Important: The amount covered for cancellation depends on whether you have purchased the Standard or Explorer Plan.
What you need to do if you can’t travel anymore
If your trip is cancelled, you’ll need to:
- Contact your travel provider and let them know you are cancelling as soon as possible. Try to seek a refund from them first before making a claim.
- You can contact the emergency assistance team for help 24/7.
When lodging a claim:
- You’ll need to submit supporting evidence - for example, booking confirmations, receipts, or cancellation notices from your airline or tour company.
- You can start a claim or contact us via the World Nomads member portal.
Cancellation coverage starts from the date your Certificate of Insurance is issued (or 72 hours after if you buy travel insurance while already overseas). Only events that occur after that date are considered.
What’s not covered by travel insurance?
Our travel insurance plans don’t cover everything. Some of the things we can’t cover you for include:- Cancelling because you changed your plans or no longer wish to travel
- The event was foreseeable and a known event when you purchased your policy
- Not following government travel advice or warnings. To find out the latest government advice go to the Smartraveller website
- Claims relating to existing medical conditions except as described in “Health conditions & your policy."
- Not providing the documentation required to support your claim.
This is not a full list of what's covered and not covered. Terms, conditions, limits, exclusions apply, please read your Product Disclosure Statement (PDS) carefully and contact us if you have any questions.
Travel tips for Aussies
- Keep copies of all bookings, receipts, and travel documents
- Your travel insurance cancellation policy must be active before the event occurs
- Contact your airline or tour operator first, as they may offer refunds or credits before you lodge a claim
- Visit gov.au for the latest travel alerts and information
FAQs: Trip cancellation cover for Australian travellers
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our helpdesk or you can ask the customer service team.
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Do I need to provide receipts?
When cancelling or rescheduling your trip you will need to provide evidence of purchases and cancellation/rescheduling. If you can’t provide associated receipts your claim may be denied. Read your PDS to ensure you’re familiar with claim requirements.
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Do both your travel insurance policy plans include trip cancellation cover?
Yes. World Nomads offer two levels of cover, Standard and Explorer, and both offer cover for a range of benefits including pre-trip cancellation.
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Does travel insurance cover booking cancellation?
Our policies offer coverage for non-refundable cancellation expenses for up to 14 insured events.
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Is my travel insurance refundable if I cancel?
If you haven’t started your trip or made a claim, you can cancel your policy for a full refund during the 21-day cooling-off period.
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What happens if I cancel my trip before I leave Australia?
You may be covered for prepaid, non-refundable costs if your cancellation is due to an insured event that happens after your policy is issued.
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Am I covered if my airline cancels my flight?
If the cancellation is due to severe weather, strike or another insured event, you may be reimbursed for unused travel.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Has one of your relatives died?
- Has a bushfire damaged your home?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamProtect Your Next Adventure With World Nomads Travel Insurance
Simple and flexible travel insurance. Buy at home or while traveling and claim online from anywhere in the world.
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As featured in:
Why choose World Nomads Travel Insurance?
While planning your next adventure, it's a good idea to consider travel insurance for any unexpected travel mishaps.
World Nomads travel insurance has been designed by travelers, for travelers. We have travel insurance plans for every type of traveler whether you’re going on a single trip, need only the basics with our Standard plan, want a little bit extra cover on our Explorer plan, or need cover for a number of trips across 12 months on our Annual Multi Trip plan.
Coverage and plan availability will depend on your country of residence.
Key benefits of World Nomads Travel Insurance:
- 24/7 Emergency Medical Assistance: Help is always available, no matter where you are.
- Overseas medical coverage: We can help cover your hospital bills, doctor visits, emergency medical evacuation or repatriation back home if required.
- Trip cancellation or interruption: We offer cover for reimbursement of your unused trip costs if your plans suddenly change due to a last-minute cancellation or a trip interruption.
- Lost or stolen luggage: Cover for your personal belongings and valuable gear when they go missing or are stolen.
- 150+ adventure activities, sports and experiences: You could be covered for snow sports, water sports, bungee jumping, scuba diving, trekking, and many more.
Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.
How does World Nomads Travel Insurance work?
- Purchase before or during your trip: Get coverage at any stage of your travels.
- No long-term commitment: Buy coverage for just the duration of your trip.
- Claim online: Fast claim processes, even while you're abroad.
- Learn how to prepare for your trip with Travel Wiser. Get travel tips and download guides in Explore. Read the latest travel alerts, or get the answers to common questions in our Help Centre.
A true claim story
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)
We cover more than 150 activities you love + more
Here are several activities under each category that World Nomads love to do:
Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Snow
- Bobsledding
- Ice Hockey
- Ice Skating
- Kite Wing
- Skiing
- Snowboarding
- Snow kiting
- Snowmobiling
- Tobogganing
Water
- Canoeing
- Kayaking
- Paddle Boarding
- Sailing
- Scuba Diving
- Snorkelling
- Surfing
- Tubing
- Windsurfing
Air
- Aerial Safari
- Ballooning
- Bungee Jumping
- Hang Gliding
- High Diving
- Hot Air Ballooning
- Passenger in a commercial aircraft
- Skydiving
- Tandem Skydiving
- Zip Line
Land
- Bushwalking
- Camel Riding
- Camping
- Caving
- Hiking
- Orienteering
- Motorbiking
- Mountain Biking
- Trekking
Sports
- Baseball
- Basketball
- Cricket
- Fencing
- Go Karting
- Golf
- Hockey
- Tennis
- Ultimate frisbee
- Volleyball
Experiences
- Childcare work
- General farm work
- Hospitality
- Restaurant
- Teaching
- Fruit Picking
- Admin work
- Office work
- WWOOFing
Safeguard your gear and belongings
Traveling for work and leisure with expensive equipment? World Nomads may offer coverage for your gadgets, cameras, laptops, and other valuables. If your belongings are lost, stolen, or damaged, we may cover lost, stolen or damaged belongings so you can keep your travels on track.
Plan your holiday for those unexpected mishaps
From trip delays and natural disasters to medical emergencies and adventure activity and sports accidents, things can go wrong on the road. World Nomads travel insurance helps you stay financially protected from unexpected travel disruptions.
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 teamFrequently asked questions
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What is travel insurance and why do I need to consider it?
Travel insurance is designed to protect you from financial losses you could incur prior to or while traveling. The cost of travel insurance will depend on a range of factors; some of these include:
- Your age
- The length of trip
- Your chosen destination(s)
- Number and age of travelers
- Activities you may have planned, such as snow sports
World Nomads travel insurance can help protect your next trip when you’re getting ready to explore the world. Get a quick online quote in just minutes!
Learn more about travel insurance and what you should be aware of before you purchase.
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What does World Nomads travel insurance cover?
World Nomads offers travel insurance plans tailored to meet the diverse needs of our global travellers. Depending on your country of residence and the plan that you have selected, you could be covered for:
- Overseas medical expenses
- Lost or stolen baggage
- Personal belongings
- Trip cancellations
- Coronavirus-related events
- Over 150 activities, sports and experiences
- Natural disasters
Are there any exclusions or limitations to travel insurance coverage?
As much as we would love to cover every single unexpected event or unforeseen scenario that happens when traveling, unfortunately we cannot do that. World Nomads has specific terms and conditions, exclusions and limitations clearly stated in all our policy wordings. Here are just some of the main exclusions to be aware of:
- Overseas medical expenses: Travel insurance offers cover for overseas dental and medical expenses, but terms and conditions apply depending on your country of residence and plan selected.
- Travel warnings: If you travel to a destination with a 'Do not travel' warning from your home country’s government body, you won't be covered.
- Existing medical conditions: Existing medical conditions may not be covered unless specifically stated as covered in the policy wording.
- Adventure activities: There are specific exclusions, limitations and conditions for many of our activities and sports.
- Change of mind: Simply changing your mind or reluctance to travel isn't covered.
- Unlawful acts: Any losses arising from unlawful or dishonest acts won't be covered.
Always refer to the specific terms, conditions, limitations and exclusions of your policy wording to understand the full scope of coverage. Always ensure you buy the right policy that aligns with your travel plans and needs. If you need more information visit our Help Centre, or get in touch.
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Can I buy or extend with World Nomads travel insurance while overseas?
With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere, we are happy to extend your policy if it's done before the end date shown on your Certificate of Insurance. If you buy a policy while traveling overseas, there may be a waiting period before your cover is activated. Learn more about buying while traveling here.
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Does World Nomads cover adventure activities?
Yes, with World Nomads travel insurance you have access to 150+ activities, including trekking, skiing, rock climbing, scuba diving and more. Please be aware that there are specific terms, conditions, and exclusions when selecting certain activities and sports. Always read your policy wording carefully.
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How do I file a claim?
Making a claim is a straightforward process designed to assist you during unforeseen circumstances while travelling. Here’s a step-by-step guide:
- Report the incident: Contact us as soon as possible after the incident occurs. Provide details about what happened and gather any necessary documentation, like police reports or medical records.
- Sign in: Sign into your World Nomads membership. Use the links to 'Make a claim' once signed into your membership dashboard.
- Submit documents: Depending on your claim type, you may need to submit documents such as medical bills, receipts for additional expenses, or proof of trip interruption or cancellation.
- Follow up: Stay in touch with us and provide any additional information we may request promptly. This will help expedite the claims process.
- Review your policy: Familiarise yourself with your policy's terms, conditions, limitations and exclusions to understand what's covered.
Remember, the sooner you initiate the claim and provide all required documentation, the quicker your claim will be processed. Always keep your policy details and emergency contact numbers handy when travelling.
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Can I cancel my travel insurance policy and receive a refund?
World Nomads offers trip cancellation coverage for unforeseen events but it will depend on your country of residence and the type of travel insurance plan you’ve chosen. If you have to cancel your trip for a covered reason, our travel plans may help save you money and time, but if you don’t have insurance, you could be paying for a trip you were unable to take and experience many more headaches.
If you decide that you don’t want to travel or can’t travel due to unforeseen events, you can cancel the policy up until the day before you start your trip, and a refund will be considered, provided:
- You haven’t started your trip;
- You haven’t made a claim; and
- You don’t want to make a claim or exercise any other right under the policy.
All you need to do is sign into your membership, choose your policy and follow the links to cancel before your policy Departure date. If you need to cancel, you may contact World Nomads.
Please note that on a single trip policy, we don't refund any unused portion of your premium if you return home early for any reason. On Annual Multi-Trip policies, you may request a refund for any unused period premium but refunds available will vary depending on your country of residence.
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Will travel insurance cover pre-existing medical conditions?
World Nomads does not offer cover for medical conditions which exist before you buy or extend your policy. However, there are over 40 medical conditions that we may offer cover for depending on your country of residence. In some cases, some pre-existing medical conditions which exist at the time you buy your policy and where you meet specific requirements may be automatically covered.
Carefully consider your medical history, as well as the health of your close relatives, others in your traveling party and anyone else, as your and their conditions (past or present) may affect your trip and travel insurance cover. Terms, conditions, and exclusions apply. You can always reach out and contact us if you have any questions.
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Am I covered for countries other than the ones I list on my policy?
To make sure you’re covered for all the countries you’re planning on travelling to you must select them all when you purchase your travel insurance with World Nomads.
If you’ve already started travelling and are considering a side trip to a country other than those you specified, there are a few things you should know.
When you get a quote, you need to select the countries you plan to visit, as you won't be able to add any countries after you have purchased a policy. If you try to add a country that we don’t cover (e.g. Iraq, North Korea, Sudan), you won’t be able to continue with your quote. If you choose certain regions like ‘Asia’ or ‘Worldwide’, rather than individual countries, please note there may still be some countries excluded from coverage; for example, due to sanction exclusions in the policy wording.
‘Do Not Travel’ government travel warnings can be issued or changed without notice at any time, so always check the status with your relevant government body before you buy a policy and before you pay anything towards your trip, either deposits or the full amount.
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How can I contact customer support for assistance with my travel insurance policy?
If you're travelling overseas and need assistance with a claim, an emergency or need to ask us a question about coverage for your policy, reaching out to World Nomads is easy. Our experienced emergency assistance case managers and friendly claims and customer service staff will be there to aid you 24 hours a day, 365 days a year.
All you need to do is get in touch with us as soon as you have experienced an emergency. We have all the contact details below, whether it's over the phone, SMS or email.
Find the right Emergency Medical Assistance team:
Insure your trip in three easy steps
Travel insurance for independent travelers and their families. Simple, flexible trip insurance for international or domestic travel. Buy and claim online from anywhere in the world.
Start your quote
Tell us your travel details including where, when and who is traveling. Make sure to add all destinations and include travel dates from the day you leave, to the day you return.
Choose a plan
Select the activities and benefits that you'll need for you, your partner or your family.
Finalize your purchase
Once you’ve purchased, we’ll send your policy details to your chosen email, or you can access it via your account.
Travel Insurance for Overseas Medical
If you get sick or injured overseas, learn how you may be covered for emergency medical treatment overseas.
- As featured in:
As featured in:
- What overseas medical expenses are covered by travel insurance?
- Am I covered for Coronavirus related medical costs while overseas?
- 24/7 emergency assistance support
- What should I do if I have an emergency while traveling?
- What's not covered
- FAQ's
We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter crashes, and at least one shark bite! When the unexpected happens, our 24/7 Emergency Assistance Team will support you and your family, so you can focus on getting better.
What overseas medical expenses are covered by travel insurance?
If you’re injured in an accident or suddenly get sick while traveling, you may be covered for emergency medical treatment overseas including:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
Am I covered for Coronavirus related medical costs while overseas?
Depending on your Country of Residence and the travel insurance plan you choose, you may also have access to Coronavirus (COVID-19) coverage for certain events. Some of our plans offer:
- Emergency medical cover, evacuation, and/or repatriation if you’re diagnosed with COVID-19 while overseas;
- Cover for some additional Coronavirus-related events such as cancellation following a diagnosis to assist our travelers on the Explorer Plan.
To find out what cover applies to you, read our What’s Covered for Coronavirus article which has some of the details, including benefit limits, conditions, and exclusions. Coverage depends on your Country of Residence and varies between plans.
Why should I consider travel insurance for medical emergencies?
Whether you’re young, old, or anywhere in between, one of the key reasons why many travelers take out travel insurance is to make sure they are covered for any unexpected injury or illness while on holiday.
That’s why World Nomads policies offer two different plans – Standard vs Explorer – that offer different levels of cover for overseas emergency medical situations. In many cases, if you get sick, the hospital may not treat you without upfront payment or providing proof of a travel insurance policy. World Nomads travel insurance can offer cover for overseas emergency medical expenses including:
- Hospitalization
- Out-patient treatment (that doesn’t require hospital admission)
- Prescribed medicines
- Dental care
- Transport to get you home for ongoing treatment if we decide it's medically necessary.
This is not a full list of what's covered. There are terms, conditions, limits, and exclusions that apply, and cover will depend on your Country of Residence, and which plan you have purchased.
Worldwide 24/7 assistance for many types of emergencies
The Emergency Assistance team can help get you find local medical facilities if needed, and in the worst-case scenario, help get you home if you’re seriously injured or ill and need to be repatriated. When you call (free from anywhere in the world), make sure you have your policy number and a contact number for where you are so we can help.
Some of the most common events our EA team has helped with include:
- Determining if hospital care and treatment is reasonable for your condition
- If medically necessary and agreed to by us, we can organize for you to be evacuated or repatriated
- Help you access medical care in your location
- Help you find local updates on an unexpected natural disaster or a specific unfolding situation
- Provide support if you need to contact your government/embassy
- And many more.
Note: 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.
What should I do if I have an emergency while traveling?
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims we see, where there's no cover for overseas medical expenses, include:
- If you've used drugs or alcohol, as per the policy wording
- Any sexually transmitted diseases or sexually transmitted infections (except, for example, where contracted through an assault).
- Any reckless behavior
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Pre-existing medical conditions as shown in your policy wording
- Ongoing treatment at home
The above features and benefits are a summary of cover only. 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.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
How to get medical assistance.
It’s essential that you get in contact with our Emergency Assistance teams as soon as possible so that they can support you from the time you fall sick or get injured until the time you're well again.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number that we can call you on
- The nature of your problem
- Your location
Monkey Bite
While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. I received my first rabies vaccination and then went to the International SOS office in Bali for an examination. There I received a second rabies shot, and then immunoglobulin shots.
S.D. U.S Resident in Indonesia.
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
- Got into an accident?
- Have your relatives died?
- Has a bushfire damaged your home?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up overseas?
- Medevac needed home?
- Need an ambulance?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
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.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel insurance for Overseas Dental
Learn how travel insurance may cover emergency dental treatment abroad.
- As featured in:
As featured in:
- What does travel insurance cover for overseas dental?
- What’s not covered
- Experiencing a dental emergency?
- FAQ’s
Broken or chipped teeth can happen at any time. It can be seeded bread in Berlin, olives in Athens, or dried fish in Krasnodar. If pain suddenly strikes, World Nomad travel insurance may cover the emergency dental treatment to get relief.
What does travel insurance cover for overseas dental?
All of our policies can offer cover dental expenses if you have to see a dentist while traveling, for the immediate relief of sudden pain to healthy, natural teeth if:
- You get an unexpected infection
- You've broken your tooth
- You injure your mouth or jaw in an accident
Not all of our policies are the same. Terms, conditions, limits, and exclusions of cover vary depending on the policy you buy and your past dental history.
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: Your dental illness or injury must be confirmed in writing by your treating medical practitioner overseas. You must get copies of all medical and dental records, reports, and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Cover is limited to the amount shown in the Summary of Cover.
What’s not covered
Travel insurance isn’t designed to cover everything. Common dental claims we see where there isn't cover include:
- General check-ups
- Getting your teeth straightened in Thailand
- New teeth or fillings following pain-relieving treatment
- Major dental work, such as crowns, dentures, bridges, and implants
- If you've bought a policy after the pain has set in
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
Experiencing a dental emergency?
Experiencing a dental emergency? Our Emergency Assistance team helps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
If you're experiencing a dental or medical emergency, contact our 24/7 Emergency Assistance Team who can help direct you to medical help, and if necessary, work with local authorities to repatriate you home, subject to the terms, conditions, limitations, and exclusions of your policy.
The above features and benefits are a summary of cover only. 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.
For more information, check out our article on dental cover, all you need to do is select your country of residence from the country picker to access the right information. Always read your policy carefully before you buy.
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.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
How to get dental assistance
If you're in a serious accident, it’s essential that you get in contact with our emergency assistance as soon as possible so that our teams can support you.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number
- The nature of your problem
- Your location
If you've already visited a dentist and received emergency treatment, you can submit your claim online.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 teamFAQ
Here are our most frequently asked questions about dental insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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How do I claim for any dental treatment?
If you’ve had to see a dentist while on your trip and you receive dental treatment, then you will need to get a medical report confirming the dental injury, illness or sickness and also the treatment received was required for the immediate relief of sudden and acute onset of pain to support your claim.
Contact the 24/7 Emergency Assistance Team as soon as possible as they may be able to speak to the medical facility to authorise payment or answer any questions you may have.
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Why can’t I get treated for any dental issues I may have?
As part of our policy cover, we can only cover dental work which is only required for the immediate relief of acute pain on healthy teeth. This means that major dental work like crowns, bridges, dental prostheses, treatment involving the use of precious metals and cosmetic dentistry will not be covered as this can wait until you return to your country of residence.
With this in mind, any dental surgery or other medical treatment which, in the opinion of the attending medical practitioner, our 24/7 Emergency Assistance Team or us, that can be reasonably delayed until your return home, will not be covered.
