• Why should I consider travel insurance for my flexcation?
• Flexcation travel insurance: What may be covered?
• What level of travel insurance coverage do I need for my flexcation?
• What may not be covered when on a flexcation?
• Top tips we recommend for a successful and productive flexcation
• FAQs

Because of flexible work and school schedules, more travellers are opting to take flexcations – extended stays away from home that are a mixture of leisure and work. Digital nomads have the flexibility to travel to some of the world’s most intriguing places, but no matter where you’re headed, it helps to always be prepared for the unexpected when travelling. For example, if you’re planning to spend your weekdays working in Rome and your weekends tasting your way through Tuscany, travel insurance coverage for Italy may help protect your trip. Our travel insurance plans for digital nomads include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my flexcation?

The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. These days, you can work from just about anywhere in the world with a strong Wi-Fi connection – including some of the most scenic tropical landscapes like the Bahamas and Jamaica. But what happens if you get hurt while scuba diving or snorkeling during your lunch break? Travel insurance for the Caribbean may help you with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re travelling outside of your home province.

Flexcation travel insurance: What may be covered?

The purpose of a flexcation is to be able to fully enjoy the destination where you’re travelling, and you’ll hopefully be experiencing new cultures and activities while you’re there. But when you’re working and studying remotely outside of your home province, unexpected situations can happen – and that’s why we’ve designed our plans to include travel insurance for flexcations. We also offer coverage for more than 250 sports, activities and experiences.

What level of travel insurance coverage do I need for my flexcation?

World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.

• Standard Plan – This is the most basic plan, and includes certain types of work for a flexcation, as well as up to $5,000,000 CAD in emergency medical expenses and $2,500 CAD for trip cancellation.
• Explorer Plan – This travel insurance plan also covers flexcations, but has higher limits of coverage.

A flexcation isn’t supposed to be all work and no play. Depending on where you’re headed, you may want to enjoy a variety of other activities such as hiking, snorkeling, or skiing. That’s totally fine, because there are 250+ sports, activities and experiences that could be covered when you purchase travel insurance for flexcations. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip, including the type of work you will be doing. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.  Costs may vary depending on the additional activities you list.

If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered. 

What may not be covered when on a flexcation?

So what happens if your boss told you that you could work remotely and be a digital nomad, but then changes his mind as soon as you land in Europe? If you have to go home because your employer won’t let you work remotely anymore, your travel insurance coverage for Europe won’t reimburse you for the costs of your trip. While many things are covered by travel insurance, there are some things that aren’t – including your boss changing his mind. (Although it’s totally not cool.) Other examples include:

Some other things that aren’t covered include:

• Unattended baggage or personal items
• Any electronics or other equipment that you use for professional purposes
• Not following government ‘Do Not Travel’ advisories issued by the Canadian government
• Travelling in your home province
• Pre-existing medical conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date. There may be no coverage for losses caused by a pre-existing condition
• Participation in other activities not listed as covered in your policy

Need destination inspiration for your next flexcation?

There are actually some pretty awesome places where you can work remotely here in Canada (and you can get travel insurance for Canada as long as you’re traveling outside of your home province.) But there’s also an abundance of great places around the world where you can embrace your inner digital nomad, too. Check out a couple of our favorite locations and get destination-specific travel tips to help you plan with confidence.

A World Nomad’s Guide to Puerto Vallarta, Mexico

Six Things to Know Before Going to France

A Local’s Guide to Visiting Berlin, Germany

Italy Travel Tips: Six Things to Know Before Visiting

Six Things to Know Before Traveling to Norway

How to Experience Ho Chi Minh City Like a Local

Five Incredible Cities to Explore in Spain

For more tips on working remotely, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Why should I consider travel insurance when staying in a vacation rental?
• Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
• What level of travel insurance coverage do I need if I’m staying in a vacation rental?
• What may not be covered when staying in a vacation rental on your trip?
• Top safety tips we recommend for staying at a vacation rental
• FAQs

Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the United States and booking a beachside vacation rental in Florida, or perhaps you would rather stay in a treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected, and you may want to protect your adventure with World Nomads Travel Insurance for your trip staying in vacation rentals. Our adventure travel insurance plans include a range of benefits that could help with everything from stolen gear to unexpected medical expenses.

Why should I consider travel insurance when staying in a vacation rental?

Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation home or if a destructive storm causes you to miss a connection, keeping you from reaching your dream accommodations, travel insurance to cover your nonrefundable, prepaid, commercial vacation rentals may help you bounce back quickly with support for medical and travel emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re staying in a vacation rental.

Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?

Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we've designed our plans to include travel insurance for our trips when you stay in a vacation rental. We also offer coverage for more than 250 other sports, activities and experiences.

What level of travel insurance coverage do I need if I’m staying in a vacation rental?

World Nomads offers two plans for Canadian residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.

• Standard Plan – This is the most basic plan but includes up to $5,000,000 CAD in emergency medical expenses and $2,500 CAD for trip cancellation.
• Explorer Plan – This adventure travel insurance plan also covers trips that include vacation rentals but has higher limits of coverage.

When you’re not lounging around poolside at your vacation home, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because there are over 250+ sports, activities and experiences that could be covered when you purchase travel insurance for trips when you are staying at a commercial vacation rental. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the additional activities you list.

What may not be covered when staying in a vacation rental on your trip?

If you leave the burner on and the kitchen catches on fire, your travel insurance won’t pay for those damages. It’s up to you to make sure you take care of the home while you’re there. Some other things that aren’t covered include:

• Unattended baggage, gear or personal items
• Furniture or any other items that are part of the vacation rental
• Alcohol and drug-related incidents and illegal activities
• Not following government ‘Do Not Travel’ advisories issued by the Canadian government
• Staying in a vacation rental within your home province
• Participation in other activities not listed as covered in your policy

Need destination inspiration for cool vacation rentals around the world?

Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.

The Caribbean: Bungalows on Royal Island

United States: A treehouse with free-roaming alpacas in Atlanta

Italy: A rustic villa on a vineyard

Costa Rica: A luxury pool home in the jungle

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Why should I consider travel insurance for my horseback riding trip?
• Horseback riding travel insurance: What may be covered?
• What level of travel insurance coverage do I need for my horseback riding trip?
• What may not be covered when horseback riding?
• Top safety tips we recommend for your horseback riding trip
• FAQs

Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while travelling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my horseback riding trip?

From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently – whether you’re horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain. 

Horseback riding travel insurance: What may be covered?

As equestrians ourselves, we’ve designed our plans to cover horseback riding while travelling. We also offer coverage for more than 250 other sports, activities and experiences.

What level of travel insurance coverage for my horseback riding trip do I need?

World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage. Both plans cover:

• Leisurely horseback riding; and
• Equestrian, dressage, show jumping, and eventing, but you will need to pay an extra premium for these activities

When you purchase your policy, you’ll need to list horseback riding, and all of the other activities that you plan to participate in while on your trip. There are over 250 other sports, activities and experiences that could be covered. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the activities you plan to do on your horse.

• Level 1 activity: Leisurely horseback riding.
• Level 3 activities: Equestrian, dressage, show jumping, and eventing.

If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered. 

What may not be covered when horseback riding?

Some things we may not cover include:

• Horseback riding under the influence of drugs or alcohol
• Unattended baggage, sporting equipment or personal items
• Horseback riding or travelling within your home province
• Injuries to your horse
• Riding horses in a rodeo, competition, or for salary/compensation 
• Riding bare back or playing polo

Need destination inspiration for your next horseback riding trip?

Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.

Highlights of Southern Chile: An Adventurer’s Guide

What to See and Do in Camargue, France

What to See and Do in Mendoza, Argentina

Visiting Cuenca, Ecuador: Things to See and Do

Food, Wine, and Outdoor Adventures in Slovenia

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Why should I consider travel insurance for my horseback riding trip?
• Horseback riding travel insurance benefits
• Plan levels for horseback riding trips
• What's not covered
• Top safety tips we recommend for your horseback riding trip
• FAQs

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my horseback riding trip?

From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain. 

Horseback riding travel insurance benefits and non-insurance services: What may be covered?

As equestrians ourselves, we’ve designed our plans to cover horseback riding while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.

All plans also include several additional non-insurance services that may support you both before and during your trip. These include 24/7 emergency assistance, delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.

What level of travel insurance coverage do I need for my horseback riding trip?

World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go horseback riding on the beach, you’ll probably be doing other fun things like hiking or swimming. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.

• The Standard and Annual plans covers basic equestrian activities such as horseback riding tours and camping with your horse up to 19,685 feet/6,000 meters
• The Explorer plan covers more activities, including horseback riding in a rodeo. It also has higher limits of coverage and covers camping up to 21,325 feet/6,500 meters
• The Epic plan covers everything the Explorer plan covers, plus even more activities – including camping up to 26,247 feet/8,000 meters. It also has the highest benefit limits of coverage. 

What may not be covered when horseback riding?

• Horseback riding under the influence of drugs or alcohol
• Unattended baggage, sporting equipment or personal items
• Horseback riding or travel within 100 miles of your home
• Injuries to your horse
• Riding horses in a competition or for salary/compensation 

Top safety tips we recommend for your horseback riding trip

• Have the right gear: Wearing a helmet is a MUST, no matter how experienced you are.
• Wear proper clothing: Long pants and closed-toed footwear are essential.
• Be prepared: Check the weather, check your equipment, and check the credentials of your riding instructor or tour guide.
• Keep an eye on your gear: Don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
• Saddle up properly: Make sure your saddle is fitted properly. If the saddle is the wrong size, you could be more likely to slip out of it and fall.
• Know your own physical abilities: Horseback riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse. Make sure you are physically capable of riding.
• Don’t startle the horse: Injuries can happen when horses are spooked by things like sudden movements and loud noises.

Need destination inspiration for your next horseback riding trip?

Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.

Highlights of Southern Chile: An Adventurer’s Guide

What to See and Do in Camargue, France

What to See and Do in Mendoza, Argentina

Visiting Cuenca, Ecuador: Things to See and Do

Food, Wine, and Outdoor Adventures in Slovenia

• What are the benefits of domestic trip insurance?
• Trip disruption
• Medical cover
• Personal belongings
• Extra benefits of World Nomads Travel Insurance
• Exclusions of domestic travel insurance

Not all adventures require a passport stamp - sometimes, the best getaways are right on your doorstep. A weekend hiking in Snowdonia, a coastal escape to Cornwall, or a city break in Edinburgh – there’s so much to explore right here in the UK.

But whether you’re hiking the Scottish Highlands, exploring Cornwall’s rugged coastline, or city-hopping from London to Edinburgh, unexpected travel mishaps can still happen.

With a World Nomads Annual Multi-Trip (AMT) policy, you can get cover for domestic trips if you’ve pre-booked and paid for at least two nights of accommodation. Here’s what you need to know about what’s covered and what’s not.

What are the benefits of domestic trip insurance?

Here’s what’s covered (and why it matters).

• Trip disruption

Life happens, and sometimes your trip doesn’t go as planned. Whether it’s a storm cancelling your weekend in the Lake District or a family emergency forcing you to cut a trip short, your insurance may help with:

• Cancelling your trip: If you suddenly fall ill before departure or must cancel for a covered reason, you may be able to claim back non-refundable costs:
  • £3,000 (Standard Plan)
  • £5,000 (Explorer Plan)

• Cutting your trip short: If you need to return home early, we may help with unused accommodation and travel expenses up to:
  • £3,000 (Standard Plan)
  • £5,000 (Explorer Plan)

• Medical cover

Yes, the NHS has your back, but that doesn’t mean medical issues won’t derail your trip. Your insurance may help with:

• Medical repatriation: if you break your leg hiking Ben Nevis and need to be moved closer to home for specialist care, your cover may include up to £10,000,000 (Explorer Plan).
• Extra accommodation and travel expenses: Where it is medically necessary following an insured event, we can offer cover for some additional costs incurred. For example, expenses incurred for a friend or family member to travel from the UK to stay with you in hospital.
• Hospital benefit: If you end up admitted for more than 24 hours, you could receive a daily payout to help with extra costs:
  • £20 per 24 hours (Standard Plan), max £200
  • £50 per 24 hours (Explorer Plan), max £1,000
• Repatriation of remains: In the worst-case scenario, cover includes up to £25,000.

• Personal belongings

Lost bags, stolen wallets, and broken cameras aren’t just international travel problems. If your gear goes missing during your UK trip, you could be covered for:

• Personal baggage: If your luggage is lost or damaged on a train to London, you could claim up to:
  • £1,500 (Standard Plan)
  • £3,000 (Explorer Plan)
  • Single Item Limit £125 per item (Standard) | £250 per item (Explorer)

• Money & travel documents: If your wallet disappears at a music festival, your cover includes:
  • Travel documents: £300 (Standard) | £600 (Explorer)
  • Money: £0 (Standard) | £200 (Explorer)

• Other cover

• Personal Accident: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
  • £10,000 (Standard Plan)
  • £25,000 (Explorer Plan)

• Personal Liability: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
  • £2,000,000 per trip (for all insured persons per policy, per trip)

• Extra Benefits of World Nomads Travel Insurance

SmartDelay™: relax while you wait

Flight delays are a nightmare - especially when you're stuck in an airport with nowhere to sit and overpriced sandwiches for company. That’s where SmartDelay comes in. If your departure is delayed beyond a set time, you may get free access to an airport lounge, where you can stretch out, grab a snack, and wait in comfort.

Exclusions of domestic travel insurance

Travel insurance is a lifesaver when things go wrong - but it doesn’t cover everything under the sun. Your policy spells out the fine print, but here are a few key exclusions to keep in mind:

• Pre-existing conditions: If you’ve had tests or treatment for a condition in the 180 days before buying or extending your policy, it won’t be covered.
• Alcohol & drugs: Had one too many at the pub and ended up in A&E? If an incident happens while under the influence, you’re on your own.
• Illegal activities: If you’re breaking the law and things go sideways, don’t expect your insurance to bail you out.
• Some personal belongings: Items like bikes or sporting equipment (whilst in use), won't be covered under the policy. If you are mountain biking in the Scottish highlands and require cover for your mountain bike, check your policy first.

• Why Should British Travellers Consider Travel Insurance for South Africa?
• Air Doctor: When You Need a Doctor, But Not a Hospital
• Annual Multi-Trip (AMT) Policy
• What’s not covered?
• 5 Key Safety & Travel Tips for UK Travellers in South Africa

From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.

Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.

Why Should British Travellers Consider Travel Insurance for South Africa?

While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.

Our Standard and Explorer plans can offer cover (up to the policy limits) for:

• Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
• Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
• Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
• Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
• Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
• Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.

Dive into your policy details for the full scoop, and if anything's unclear, contact us.

Air Doctor: When You Need a Doctor, But Not a Hospital

A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.

With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.

Ready to explore the wild plains of Africa? Grab your travel insurance quote here.

Annual Multi-Trip (AMT) Policy

If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.

A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.

What’s not covered?

While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:

• Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
• Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
• Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
• Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
• Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!

Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!

• What does World Nomads travel insurance cover?
• Annual Multi-Trip (AMT) Policy
• What’s not covered?
• India travel insurance and safety tips

British nomads have been falling under India’s spell for decades, and it’s easy to see (and smell) why. From the aromatic pull of street-side butter chicken to the age-old spice trails of Kerala, India is a sensory overload in the best way possible. Whether you’re chasing thrills in the Himalayas, riding camels through Rajasthan’s deserts, or stretching into sunrise yoga in Rishikesh, this country delivers an adventure experience like no other.

But let’s get one thing straight - India is incredible, but it’s not always easy. Between unpredictable transport, street food roulette, and the occasional monkey trying to steal your sunglasses, it pays to be prepared. Here’s everything you need to know before diving headfirst into India's chaos, beauty, and magic - from visas and vaccines to safety tips and why travel insurance should be on your research list.

What does World Nomads travel insurance cover?

From haggling in Delhi’s bustling bazaars to watching the sunrise over the Ganges, riding your moped through the bustling streets in Kolkata, or catching a glimpse of the wildlife in India’s famed sanctuaries, there’s no shortage of once-in-a-lifetime moments waiting for British nomads.

But no one wants their memories tainted for the wrong reasons – dealing with a broken leg in a foreign hospital while uninsured (for example) can seriously derail that trip of a lifetime. Rest assured, we’ve got travel insurance designed for the way you roam.

Our Standard and Explorer can offer cover (up to the policy limits) for:

• Family coverage: Traveling with your crew? Both our Single Trip Annual Multi-Trip plans can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
• Trip interruption and cancellation: Flights can be cancelled, trains can run late and monsoons can roll in. Our Trip Interruption Insurance (and SmartDelay™) could be helpful in these unpredictable moments!
• Medical emergencies –Snake bite? A tuk-tuk ride gone wrong? Our travel insurance for overseas emergency medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan) and could be the most valuable asset in your backpack if things don’t go according to plan.
• Non-medical emergencies - Caught a mild case of Delhi Belly but don’t need an emergency room? World Nomads offers access to Air Doctor, so you can connect with a doctor virtually or find one nearby - without the stress of navigating India’s healthcare system. Whether you need a prescription refill, quick medical advice, or treatment for minor issues, Air Doctor makes it easy to get the help you need and get back to exploring.
• Adventure activities: World Nomads offers over 150+ activities, from white-water rafting in Rishikesh to scuba diving in Goa. If adventure is your thing, we’ve got you covered.
• 24/7 Emergency Medical Assistance: Stuck in a medical emergency? Our Emergency Medical Assistance Team is available 24/7, so you’re never alone, no matter where your adventure takes you.
• Personal Belongings: While India’s warmth and hospitality are legendary, it’s still wise to stay alert - especially in crowded markets, train stations, and tourist hotspots where pickpockets are always on the lookout. World Nomads policies offer cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed. If you find yourself in the unfortunate position of having your luggage stolen click HERE to find out the steps you need to take.

Ready to chase the chaos? Grab your travel insurance quote here.

Dive into your policy details for the full scoop, and if anything's unclear, contact us.

Speaking of policies…don’t just skim over the policy wording – give it a good read. Understand exactly what’s covered (and what’s not) for your planned activities. Some activities might require you to flex some qualifications or licenses or team up with a professional guide. And remember, living on the edge might mean a slight uptick in your policy’s price (for obvious reasons).

Annual Multi-Trip (AMT) Policy

For British travellers who are always on the move, our Annual Multi-Trip (AMT) policy offers the freedom to explore India and beyond without the hassle of arranging new travel insurance for every trip.

Sticking around in India for a while? A Single Trip policy might be the better fit. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.

What’s not covered?

As you gear up for your Indian adventure, keep in mind that while World Nomads travel insurance has your back, it doesn’t cover everything. Here’s a breakdown of what’s outside our safety net:

• Pushing adventure limits: Thinking of free solo climbing in the Himalayas? Not all heroic feats are covered. it is not in our list of covered activities or you skipped the adventure add-on, it’s out of bounds.
• Ignoring medical advice: If you overlook your doctor’s recommendations or ignore guidance from our Emergency Medical Assistance Team, that one’s on you.
• Unattended valuables: Left your camera on a café table in Jaipur or your backpack unzipped on a crowded train? If your valuables are stolen, lost, or damaged while unattended, they’re not covered.
• Risky behaviour: Breaking the law, excessive drinking, or taking part in illegal activities? Your coverage doesn’t extend to reckless choices.
• Cold feet? Decided India’s isn’t for you after all? A change of heart isn’t a covered event.