With your new addition on board, it’s important that you have the right travel insurance to look after yourself and your unborn child.

• What does travel insurance cover if I'm pregnant?
• What’s not covered for pregnant travelers
• 24/7 emergency assistance support

What does travel insurance cover if I'm pregnant?

If you have to cancel your trip because your doctor certifies you're medically unfit to travel due to an injury or illness, you may be covered for your pre-paid, non-refundable transport and accommodation costs.

If you're traveling while pregnant, and you're suddenly ill or injured or you have an unexpected pregnancy complication (including an ectopic pregnancy or miscarriage), all of our policies offer cover for:

• Emergency medical treatment
• Hospitalization
• Ambulances
• Transport to get you home for ongoing treatment, if medically required
• 24-hour/7-day, multi-lingual assistance teams.

Coverage for unexpected pregnancy complications depends on your Country of Residence, the plan you have chosen, and how many weeks’ pregnant you are while traveling.

What’s not covered for pregnant travelers

• If you decide not to travel due to your pregnancy
• Childbirth at any time
• A pregnancy with any complications for any pregnancy prior to buying and/or extending the policy
• Routine pregnancy check-ups, e.g. standard ultrasounds and blood tests, pregnancy tests, etc.
• Fertility treatments at any time
• Expenses incurred in your home country
• Pre-existing medical conditions, which may be exacerbated in your pregnancy.

Please note: depending on your Country of Residence, your pregnancy may be considered a pre-existing medical condition. Please take the time to read your policy wording as there are limits on your coverage.

24/7 emergency assistance support

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:

• Determine if hospital care and treatment is reasonable for your condition
• If medically necessary and agreed to by us, we can organise for you to be evacuated or repatriated
• Help with financial assistance by determining policy coverage whilst on trip
• Help you access medical care in your location
• Help you find local updates on an unexpected natural disaster or a specific unfolding situation
• Provide contact details for 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.

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 Help Centre article - Am I covered by travel insurance if I'm pregnant? All you need to do is choose your Country of Residence from the country picker at the top of the page to access the latest information, and read your policy carefully before you buy.

When you take yourself on an adventure to the far ends of the Earth—whether it’s dog-sledding with Huskies across the snow in Scandinavia or riding the waves in Japan, accidents (or illnesses) are bound to happen. And if they do, there really is no place like home when it comes to receiving the best medical care.

Differing to medical evacuation, which may be able to help transport you to the nearest medical center in an emergency, the medical repatriation benefit offers coverage to get you home for further medical treatment, recovery, or rehabilitation.

If things go sideways while you’re overseas, we’re here to help. Here are just some of the ways we can assist with medical repatriation for you and your family.

• What’s covered
• What's not covered
• Am I covered for COVID-19 related medical repatriation and evacuation?
• Real life medical repatriation
• FAQ‘s

What’s covered

After World Nomads and your local doctor have given you the go-ahead to return home, then we may cover:

• One-way economy airfare to return you to your Country of Residence; or
• Fares for additional seats should you need to accommodate a stretcher; or
• Flight upgrade to business class when a stretcher isn’t necessary;
• Round-trip airfare for a medical escort when a requirement by the airline or when medically necessary.

What's not covered

While your safety and health are our utmost concern, we don’t cover everything. Always check your policy wording. Here’s an overview of what’s not covered.

We don’t cover:

• Incidents related to the intake of alcohol or drugs (see policy wording)
• Unnecessary upgrades or other non-cost-effective options
• Medical expenses incurred back home
• Accidents that are a result of irresponsible or risky behavior
• Pre-existing medical conditions, as outlined in your policy wording.

Am I covered for COVID-19 related medical repatriation and evacuation?

Depending on your Country of Residence, you may have access to cover for repatriation if you’re diagnosed with COVID-19. If you are diagnosed with COVID-19 while overseas, your cover may include:

• 24/7 access to our Emergency Assistance team, who can help you access local medical care
• Medical hospitalisation
• Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.

To find out what cover applies to you, read our What's Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.

Coverage depends on your Country of Residence and varies between plans.

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.

Real life medical repatriation

Here are some of the ways we’ve been able to help Nomads get home for the medical assistance they needed:

I was driving home with my friend Nick on the back of my motorbike, when, out of nowhere, a car hit us on the side. The impact immediately trapped my right leg between my motorbike and the front of the car… Nick stood up and looked at me and the first thing he said was “Don’t look at your leg. Don’t look at your leg,”. Of course, I looked at my leg, and it was gone.

Without the 24-hour medical assistance World Nomads provided, I don’t know what we would have done.

Peter,

World Nomads customer from Australia

I fell on my side and heard the sound of dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.

Anton required surgery after breaking his leg and wrist in a fall while traveling in Thailand. We called Anton daily to check on his progress and once cover was confirmed, we took care of his medical bills and his hospital admin.

After his surgery, Anton couldn’t travel back to Iceland without help, so we sent Luke from our Emergency Assistance Team to Thailand to meet him while in hospital. Luke was also there to help Anton carry his bags and escort him home on the plane to Iceland.

Anton,

World Nomads customer from Iceland

FAQ‘s

Here are our most frequently asked questions around medical repatriation. You can also find the answers to other questions in Help Center or you can ask the customer service team.

How to get medical assistance.

It’s essential that you get in contact with our Emergency Assistance team as soon as possible. Our team can support you from the time you get sick or injured until the time you get home.

To expedite your call, please be ready with the following:

• Your policy number
• A contact number where you can be reached
• The nature of your problem
• Your location

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.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think. Featuring coverage for more than 150 activities, quotes are fast and can be done online at www.worldnomads.com. All the information we provide about travel insurance is a 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.

Why consider travel insurance when skiing or snowboarding?

Big dumps, fresh tracks and bluebird days will make for an epic snow trip, but accidents can happen on and off the piste, even for the most experienced sliders. If you’re learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help you and your family when the unexpected hits your next winter adventure.

World Nomads loves the snow

As passionate ski bums, we’ve designed our plans to offer cover options our Nomads love the most*:

• Skiing and boarding within resorts
• Cross-country skiing on marked trails
• Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
• Snowmobiling, ice skating, snow rafting & more.

*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

What does World Nomads travel insurance cover?

• Skiing, snowboarding and other winter sports accidents
• Piste closures
• Cancelled and delayed flights
• Cover for natural disasters (for example if an avalanche occurs)
• Medical evacuation and repatriation when required
• Cover for high value specified items (ski/winter equipment such as snowboard, skis or helmet)
• Cover for lost, stolen, or damaged equipment.

For more information on what you may be covered for you can read our Helpdesk article on coverage when skiing and doing other winter sports. Make sure you add in your country of residence in the country picker for the most up to date information.

Coverage for some Coronavirus (COVID-19)-related events

With Coronavirus causing travel disruptions globally, it’s important that you follow any government guidelines when planning your trip overseas.

The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence and the plan you’ve selected. To find out more, read our What’s Covered for Coronavirus article, which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.

Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, help with a foreign language, provide access to translation services, and keep travelers in touch with family members. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keep your friends and family informed.

What could affect the cost of my travel insurance?

There are several factors that may affect how much you’ll end up paying for your travel insurance. Depending on what your plans are, where you are going, and how much cover and optional extras, the prices may vary due to some of these key factors:

• Any existing medical conditions
• You and your travel partner’s age as well as your dependents ages
• Optional extras cover such as adding specific adventure activities & sports
• The length of your trip
• Any high value items you want to add. You must list all high value items on your policy when you buy it.
• The number of destinations you plan to visit.

Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.

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, the use of skeletons
• Working as a ski, snowboard or diving instructor or guide
• Any of your ski or winter sports 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 pre-existing medical conditions 
• Any costs related to illegal activities or being under the influence of drugs or alcohol.

Key insurance tips for your ski and winter sports trip

Whether you’re a pro skier or planning your first ever winter trip overseas, these insurance tips may be helpful when planning your next winter getaway:

• Be aware of skiing or snowboarding no go zones: don’t decide to go into back country areas without taking local advice and appropriate rescue equipment. You should follow the International Ski Federation code or the resort regulations.
• Proof of purchase: yep, 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.
• 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.
• 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.

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. Please carefully read your policy wording for a full description of coverage. If you have any questions, please get in touch.

Whether you’re hiking up Mount Kilimanjaro, trekking to Base Camp or heading out a weekend walk in nature, World Nomads travel insurance may help if an unexpected event tries to derail your next hiking trip.

• Insurance designed by adventurers, for adventurers
• What’s covered for hiking?
• What’s not covered?
• Top tips for your hiking adventure

Insurance designed by adventurers, for adventurers

As passionate hikers ourselves, we’ve designed our plans to cover hiking from the most intrepid trek in the mountains to a lazy weekend hike. We offer cover on some of the world’s most famous hikes and 150+ other sports, activities and experiences including:

• The Inca Trail
• Trekking in Nepal
• Mount Kilimanjaro
• Torres Del Paine
• Camping, scrambling, tramping and backpacking (height restrictions may apply)
• Rock climbing and mountaineering (some plans only)

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 hiking and trekking plans. Depending on your Country of Residence and your chosen plan, an upgrade may be required to include trekking, hiking, camping and mountaineering at certain altitudes.

Be aware that terms, conditions, limits, exclusions may apply. Read the policy wording carefully to choose the right plan and adventure sport option for your hiking trip. If you have any questions about your policy, just ask us.

What’s covered for hiking?

Whether you’re dusting off your boots for a few hours on the trail or going on a multi-day expedition to a far-flung corner of the globe, our policies may cover you for sudden and unforeseen events that could affect your travel plans.

World Nomads offers cover (up to the policy limits) for:

• Emergency overseas medical: if you fall and sprain your ankle whilst hiking and need medical attention, we offer emergency medical coverage so you can get the treatment you need.
• Evacuation cover: your hiking adventure may be far away from medical facilities. With our cover, you could get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance Team. If your injuries are worse than first thought, you could be repatriated back to your Country of Residence.
• Baggage protection: dropped your camera on the trail and damaged it? Our gear coverage may help with repairing or replacing damaged, lost or stolen items.
• Trip cancellation: if your trip is cancelled due to an unforeseen event such as illness, you may be able to recover travel expenses, depending on your plan and Country of Residence.
• Natural disaster: if a severe weather event or natural disaster puts a stop to your trekking adventure, or your destination is affected by extreme weather, we may offer coverage if you can’t use your booked accommodation or need to move to a safer location.

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:

• 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.
• Unattended baggage or personal items.
• Working or participating professionally in any activity or sport.

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.

Top tips for your hiking adventure

To make the most of your time on the trail, you might want to keep the following tips in mind:

• It pays to be prepared: check the weather, check your equipment, and check the credentials of any instructors and guides – if they aren’t up to scratch then reconsider if it’s a smart move to go.
• Get hike fit: hiking requires a certain amount of strength and stamina, and in some cases such as the Inca Trail, the ability to handle altitude. Be sure you are physically capable of it.
• Be responsible: exercise responsibility when deciding on your hiking trip. Does it suit everyone’s experience level? Are you using an accredited tour operator? Make sure to wear appropriate safety gear. Some activities require you to use accredited operators and specific safety gear, so be sure to check your policy wording carefully. If you’re not sure if something is covered, contact us.
• Keep your receipts and paperwork: 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.

The information and details found in this article is not suitable for residents of Australia who are expatriates.

With flexible travel insurance that covers more than 150 activities, sports and experiences, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.

Travel insurance for expats

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

There are three main reasons expats keep coming back to World Nomads for their travel insurance:

1) Flexible travel insurance

We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need.

2) Accessible online travel insurance even after you’ve left home

Our travel insurance is available to most nationalities living or travelling outside of their country of residence. You can purchase online using a credit card as you don’t have to be in your country of residence to purchase it; however there are some conditions to this, so please check the policy before purchasing.

3) All the essentials you need covered, and more

World Nomads designed its travel insurance around what our travellers most often claim for and tell us they want. In addition we cover more than 150 activities and events.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

There’s one thing our travelers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.

No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s a consideration, whether they be a backpacker, long term traveler or gap student.

Online Travel Insurance

All we need is some basic information on who you are, where you’re going and how long you’ll be gone for, and we’ll generate your instant quote outlining your travel insurance coverage and limitations.

To give you certainty of coverage and confidence in traveling, we’ve made sure all our online travel insurance options include:

• Overseas medical
• Trip cancellation
• Luggage and valuables cover
• 24/7 worldwide emergency assistance
• Coronavirus cover
• Trip delays and interruptions

We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.

What and where you’re covered for is very important to our travelers and if you’re already overseas it’s not too late - you can still purchase online now.

World Nomads Travel Insurance at a glance:

When considering travel insurance for your next overseas holiday, you want to know that cover will be available for all those unexpected events that may happen. World Nomads Standard and Explorer plans may offer cover (up to the benefit limits) for the following, when you need it the most:

• 24/7 Emergency Assistance for a range of events including medical emergencies, multi-lingual assistance, and assistance with flight amendments when your trip has not gone as planned.
• Overseas medical cover that includes cover for hospitalization, day surgery and out-patient treatment, dental cover, and visits to registered medical practitioners.
• Cover for delayed, lost or stolen luggage and valuables. Need to cover your tech or sports gear, or travelling with a designer dress? Some plans may allow you to upgrade your cover for high value baggage and personal items.
• Cover for some of your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
• Cover for more than 150 adventure activities, sports and experiences. Cover for different types of types of activities such as rock climbing, snowboarding, bungee jumping, and snorkelling.
• Cover for some Coronavirus-related events. You may be covered for trip cancellation and medical treatment while on your trip, depending on your chosen level of cover and country of residence.
• Cover when your trip is delayed, interrupted or cancelled and you are stuck at the airport, or your trip is postponed indefinitely.
• And much more including travel insurance content, Help centre FAQs, some crazy true claims stories, and info on travel insurance for key trending destinations and activities.

Some handy questions to ask yourself before purchasing travel insurance:

• Will I need a visa for the destinations I am visiting? Can I travel to a specific country or region or not? Make sure you do your research on all countries and regions you are planning to visit.
• What activities do I have planned? Ensure you have the right level of cover for your planned activities, sports and experiences.
• How long am I travelling for? When buying World Nomads travel insurance online you’ll need to enter a start date, and end date of travel.
• Who am I traveling with, and do they need coverage, too?
• Does my destination have any travel insurance requirements? Some countries require foreign travellers to purchase a travel insurance policy that at least covers the medical costs associated with treating COVID-19 and other diseases.
• Do I need any travel insurance add-ons, for example, for high value tech items and sports gear?

At World Nomads, we strive to deliver not just travel insurance cover, but also some added value through our additional services such as:

• Dedicated 24/7 Emergency Assistance team worldwide.
• Access to travel insurance cover while traveling.
• Inspirational content for travel insurance, safety, responsible travel, how-to guides, podcasts, and Help Centre FAQs.
• Scholarship opportunities.
• The ability to give back to communities worldwide through our Footprints micro donation program.

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.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 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 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.

Whether you’re exploring on the map or hurtling off it, serious accidents can happen anywhere, anytime.

• What’s covered by World Nomads travel insurance if I have an accident overseas?
• What’s not covered?
• Cover for sports & activities and your sports gear
• Getting urgent help while on holiday
• Making a claim

If you have a serious accident while on holiday, you will want to consider travel insurance. An unexpected accident, for example, a car accident resulting in broken bones, a serious illness that lands you in hospital, or an injury caused while hiking or doing any type of sports, could really add to the pain you may already be feeling.

Injuries resulting from an accident can be extremely costly due to ongoing medical expenses, particularly when it involves medical evacuation costs. Thinking about the benefits of travel insurance when traveling abroad could mean you can be covered appropriately, and you may save thousands of dollars.

What’s covered by World Nomads travel insurance if I have an accident overseas?

• Hospitalization
• Day surgery and out-patient treatment
• Visits to registered medical practitioners
• Prescribed medicines
• Medical evacuation including air ambulance

Make sure you’ve read your policy wording as there are there are terms and conditions, limitations, and exclusions. Always do your research on where you’re going and what you plan to do when overseas as this will help you pick the right policy.

Note: while you may have access to health insurance for any accidents in your Country of Residence, this may not be the case when you are overseas. Please be aware that this is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.

What’s not covered?

• If you’re doing an activity the policy doesn’t cover.
• A pre-existing medical condition, even if the condition recurs as a result of or is aggravated by an accident.
• Any injury which is caused by or exacerbated by a pre-existing medical condition.
• Any consequences of medical treatment not necessitated by an accident covered by this policy.
• If you’ve been acting recklessly and taking needless risks.
• If you ride a motorbike without a helmet or the correct license.

Cover for sports & activities and your sports gear

While we offer cover for over 100 sports, activities and experiences, we won’t cover you if you try to make a claim resulting from a sport or activity that isn’t covered by your policy. This can apply to cover for sports-related injuries, as well as equipment loss/damage and any personal financial losses. Make sure that each sport or activity you will be engaging in is covered by your insurance policy; if it’s not, consider upgrading your policy to ensure you are appropriately covered.

Getting urgent help while on holiday

A large number of travelers may experience some kind of trouble when holidaying overseas each year. That’s why our 24/7 Emergency Assistance team can help out when you need it the most. Our teams can guide you to the nearest hospital, set up direct payments to the medical facility, arrange medical transport, and provide support to your family back home.

Making a claim

Here are some tips that will help with your a claim:

• Keep all travel insurance documents with you at all times while traveling. If you don’t want to carry the originals, you should make copies and take with you wherever you go.
• Make sure you have the Emergency Assistance team’s contact details on you, so you can access them if something happens.
• Get in touch with us before you agree to pay for any medical costs, tests, or treatments to make sure it will be covered.
• Keep all receipts, reports and doctor’s notes with you until you return to your home country. Having these on you will be essential if you’re planning to make a claim.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.

Travel insurance tip: if you’re involved in an accident and are hospitalized or suffer an injury, you must report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) as soon as possible and provide a copy of the written evidence to verify your claim. For example, you will need a police or roadside assistance report if you are delayed after a vehicle breakdown or a road accident.