EN Contact us
Member
Photo © Maskot/Getty
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel and positive community impact

How travel insurance can help have a positive impact on communities.

    As featured in:

  • As featured in:

Travel can open our minds and teach us about destinations often far removed from our own. Just like you, as a team of global adventurers, the World Nomads team knows that as thrilling as a vacation abroad can be, our choices, if they are considered, can influence more than just ourselves.

How does World Nomads travel insurance help communities abroad?

As well as travel insurance, World Nomads offers travelers the opportunity to help fund community development projects via micro donations through the Footprints Network.

When purchasing a policy with us, you can choose to add a small donation to the price, with 100 percent of the funds raised going directly to more than 240 reputable charities and NGOs, including Save the Children, The Fred Hollows Foundation and SURFAID, to name just a few.

Since launching the initiative, the World Nomads Footprints program has raised AUD$5.8million, thanks to the generosity of over 1 million travelers.

Each of the projects we support has a focus on ending poverty, protecting the planet and/or making a global shift toward sustainability and resilience, in line with the United Nations Sustainable Development Goals.

Your travel insurance can help fund many projects

By purchasing travel insurance, you can help support global communities through the World Nomads Footprints program in the following areas:

  • Community development
  • Wildlife protection
  • Women's safety initiatives
  • Global health projects

To contribute, simply get a travel insurance quote for your trip. When you get a travel insurance quote, you have the option to make a micro donation. Then all you need to do is enjoy your travels knowing you are making a difference. You can also keep in touch with us so you can see what project you have helped to fund.

Why should I consider travel insurance for my next holiday?*

You wouldn’t go on a vacation without taking your passport, right? You wouldn’t get very far. The same goes for travel insurance; it’s something you should consider when getting ready to go on a holiday overseas.

We all know that as organized as you might be, not everything always goes to plan when you’re venturing abroad – items get lost in transit, flights can be canceled and delayed, and injuries and illness can occur.

A travel insurance plan may be able to help, and if you’re a seasoned traveler you’ll know that not only is it inconvenient to have to deal with any of the above, these hiccups can prove costly, especially in another country.

At World Nomads, we offer different levels of cover depending on your country of residence and on the plan and options you select. It’s important you consider exactly what you’ll be doing, where you’ll be going, and what type of vacation you’re planning before choosing a plan, as there are differences.

* Travel insurance isn't designed to cover everything. Full terms, conditions, limitations and exclusions do apply, so be sure to read your full policy wording to avoid surprises. If you have any questions, please get in touch.

Travel Insurance

Simple and flexible travel insurance

You can buy at home or while traveling, and claim online from anywhere in the world. With 150+ adventure activities covered and 24/7 emergency assistance.

Get a quote

How you can be a responsible traveler?

If you are traveling soon and unsure what you can do to give back to the planet, here are just some ways you can make a difference:

  • Social enterprise: while on your travels, seek out a social enterprise that assists the local community, for example, in Zambia the markets at Victoria Falls sell locally made goods, the money you spend goes back into the local community.
  • Ethical eating: try to eat seasonal, local, organic wholefoods based around local traditions rather than ‘Western-style’. Ethical tours should also include plant-based meal options to encourage planet-friendly eating.
  • Small groups: small group tours, with an average of 10 people, help us travel more responsibly. By interacting on a personal level with the people and places we visit, we’re more likely to understand the issues affecting these places and how we can help.
  • Carbon offsets: have you considered whether your trip includes carbon offsets? Two global adventure tour companies now offering this option are World Expeditions and Intrepid Travel, which has also been carbon neutral since 2010.
  • Be an infrequent flier, choose slow travel instead: flying less often is the best choice you can make. Could you travel using another mode of transport? And could you commit to using low-impact forms of transport once you reach your destination to offset the emissions from your flight?

How can I give back when I buy my travel insurance?

Learn more about how you can give back to the places you visit with a small donation by watching this video.


This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

FAQ

Here are our most frequently asked questions about responsible travel and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.

  • Is my donation tax deductible?
    Footprints donations are not tax deductible—but 100% of your donation goes to the charity project you’ve helped fund.

Teeth hit the ground

I put my foot in a funny way while I was walking quickly because it was raining. I fell unexpectedly to the floor, face first, so I put my arm out, broke the shoulder and my front teeth hit the ground breaking a tooth.
Claim paid: USD $3441.64
P.R. Italian 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
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

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
  • Luggage lost?
  • Airline lost your gear?
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Turnervisual/IStock
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel insurance for Australia

Essential travel insurance tips when going down under

    As featured in:

  • As featured in:

Spanning nearly 8 million km2 and with crystal-clear water, red deserts, tropical rainforests, and bustling cities, Australia is fascinatingly diverse. Whether you’re road-tripping the East Coast, hiking on Kangaroo Island or scuba diving the Great Barrier Reef, World Nomads has you covered.

What am I covered for?

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

  • Overseas medical expenses: if you become sick or injured during your trip.
  • Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
  • Travel delays/interruption: if your trip is interrupted due to an insured event.
  • Trip cancellation: if your trip is cancelled due to an insured event.
  • Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
  • Family plans: add your children and grandchildren to our policies at no extra cost.
  • Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.

Note: our travel insurance plans are different. Cover will vary, depending on your country of residence, what you are claiming for, the plan you choose and any options or upgrades you buy.

With World Nomads, you can buy travel insurance as soon as your trip is locked in or while you're traveling (waiting periods apply); it’s entirely up to you.

Bondi beach, Sydney, Australia
Bondi beach, Sydney, Australia. Photo credit: Getty images / Christine Wehrmeier

What should I look out for when travelling to Australia?

There are a few key things to consider when visiting Australia. Our travel insurance may help if you land in Melbourne, but your baggage doesn’t, or you suffer an injury whilst hiking Cradle Mountain.

To make it easier for you to choose a plan that’s right for you we offer two plans – Standard and Explorer. Each one provides different levels of coverage depending on what you need and your country of residence:

  • The Standard Plan –covers a range of benefits and certain adventure activities but has lower coverage limits.
  • The Explorer Plan – covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.

Essential travel cover options when you need them the most

Depending on the level of cover you choose and your country of residence, our policies may cover you for:

Lost, stolen or delayed baggage cover

If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 24 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.

Travel insurance for accidents or injuries

If you become sick or injured in Australia with anything from food poisoning to an injury while participating in an activity, our policies may cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments. Terms and conditions apply.

Coronavirus cover for some events

If you catch COVID-19 while travelling in Australia we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.

Adventure sports & activities cover

There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose and your country of residence, you can be covered for hiking adventures in the Snowy Mountains, road trips along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities in the Policy Wording.

Rental car coverage and road safety

Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.

Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.

Tourist at Cathedral Gorge
Purnululu National Park, Western Australia. Tourist at Cathedral Gorge. Photo credit: Getty images / Francesco Riccardo Iacomino

What’s not covered?

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

  • Pre-existing medical conditions – see the policy wording for details.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S Department of State.
  • Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
  • Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
  • Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
  • Being intoxicated by alcohol or drugs.

Be sure to read the Policy Wording and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

Sydney Harbour
Sydney Harbour. Photo credit: Getty images / Mohd Ezairi Mohd Amiruddin / EyeEm

Handy tips for travelling in Australia

  • If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
  • The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
  • Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
  • Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.

Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics on Australia, here are just a few:

You can also check out our articles if you need the latest safety travel alerts.

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.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Turnervisual/IStock
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel insurance for Australia

Essential travel insurance tips when going down under

    As featured in:

  • As featured in:

With its crystal-clear water, tropical rainforests, and a burnt red Outback, Australia is a thrilling destination. Whether you’re road-tripping the Great Ocean Road, cycling around Uluru or snorkelling the Great Barrier Reef, World Nomads Travel Insurance can have you covered.

What am I covered for?

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

  • Overseas medical expenses: if you become sick or injured during your trip.
  • Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
  • Travel delays/interruption: if your trip is interrupted due to an insured event.
  • Trip cancellation: if your trip is cancelled due to an insured event.
  • Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
  • Family plans: add your children and grandchildren to our policies at no extra cost.
  • Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.

Note: our travel insurance plans are different. Cover will vary, depending on what you are claiming for, the plan you choose and any options or upgrades you buy.

With World Nomads, you can buy travel insurance as soon as your trip to Australia is locked in or while you're travelling (waiting periods apply); it’s entirely up to you

Bondi beach, Sydney, Australia
Bondi beach, Sydney, Australia. Photo credit: Getty images / Christine Wehrmeier

What should I look out for when travelling to Australia?

When visiting your neighbours across the ditch, there are a few key things to consider. Our travel insurance could help if you land in Sydney, but your baggage doesn’t or if you suffer an injury hiking Cradle Mountain.

World Nomads offers two plans – Standard and Explorer. Each policy has different levels of cover depending on what your needs are. You may be covered if your bags are lost or stolen, if your transport is delayed, or if you suffer an injury that lands you in hospital.

  • The Standard Plan – covers a range of benefits and certain adventure activities and has lower coverage limits.
  • The Explorer plan – covers all the benefits of the Standard Plan, with larger coverage limits, more benefits and covers more sports and activities.

Essential travel cover options when you need them the most

Depending on the level of cover you choose, World Nomads offers coverage (up to the policy limits) for:

Lost, stolen or delayed baggage cover

If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 12 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.

Medical insurance for accidents or injuries

If you become sick or injured in Australia, with anything from food poisoning to an injury whilst participating in an activity, our policies can cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments.

Coronavirus cover for some events

If you catch COVID-19 while visiting Australia, we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions.

Adventure sports & activities cover

There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose, you can be covered for hiking in Tasmania, road tripping along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities here.

Rental car coverage and road safety

Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.

Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.

Tourist at Cathedral Gorge
Purnululu National Park, Western Australia. Tourist at Cathedral Gorge. Photo credit: Getty images / Francesco Riccardo Iacomino

What’s not covered?

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

  • Existing medical conditions – see the Policy Document for details.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government.
  • Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
  • Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
  • Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
  • Being intoxicated by alcohol or drugs.

Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

Sydney Harbour
Sydney Harbour. Photo credit: Getty images / Mohd Ezairi Mohd Amiruddin / EyeEm

Australia Travel Tips

  • If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
  • The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
  • Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
  • Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.

Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics in Australia, here are just a few:

You can also check out our articles if you need the latest safety travel alerts.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.


Traveller tip 1: don't forget when travelling overseas, some countries may require your New Zealand passport to be valid for at least six months before it's expiry date as a condition of entry

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Filipefrazzao/IStock
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel Insurance for Brazil

Brazil is your place to get wild…From the wild parties during Carnival, to the wild animals of the Amazon

    As featured in:

  • As featured in:

Traveling to Brazil offers incredible opportunities to experience vibrant cultures and adrenaline-fueled adventures. Many Canadians visit Mount Corcovado to see the colossal Christ the Redeemer statue - one of the most famous landmarks in Rio de Janeiro. 

If you’re wanting to take in some of the country’s natural beauty, you may also want to head to Terra de Cachoeiras, known as the “Land of the Waterfalls.” Speaking of natural beauty, Brazil is also known for their pristine beaches like Baia do Sancho, Praia do Espelho, and Copacabana Beach. A visit to the Amazon rainforest is also a must-do for those seeking an off the beaten path adventure. 

While a trip to Brazil is an amazing experience, there are some things to be aware of when you’re visiting from Canada. Our nomads have danced the night away at the wild parties during Carnival and have searched for even wilder experiences in the heart of the Amazon. We’ve learned quite a bit in our travels and we encourage you to check out our team’s tips on what to know before you go to Brazil.

Because unanticipated things can always happen when traveling, you may also want to get a quote for travel insurance for Brazil. 

Aerial view of Ipanema, Arpoador and Copacabana in Rio de Janeiro.
Aerial view of Ipanema, Arpoador and Copacabana in Rio de Janeiro. Photo credit: Getty images / Giordano Cipriani

Do I need travel insurance for Brazil? 

International travel can bring all kinds of unexpected surprises. Some of those are awesome-like the amazing moqueca (fish stew) that you can try at many of the restaurants in Florianopolis. 

Some surprises that come along with traveling outside of Canada are not as great though. Nobody wants to think about things like canceled trips, delayed baggage and medical emergencies, but those things can happen unexpectedly. A good travel insurance plan for Brazil could help with those types of situations. 

Travel insurance can also assist if you get injured participating in any of the awesome adventures and activities you’ll find there. If you get hurt while cycling through Serra da Canastra, the emergency medical coverage included in your travel insurance for Brazil could help you get the care you need.

There are different plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs. 

Travel insurance for activities in Brazil

There are so many things to see and do in Brazil. Your trip may include some time lying on one of the country’s alluring beaches for a little rest and relaxation. If you’re up for some adventure though, there’s plenty to find in Brazil. World Nomads covers more than 250 activities for Canadians traveling to Brazil - including rafting on the Jacare Pepira River, hiking the Cachoeira da Fumaca Trail at Chapada Diamantina National Park, or scuba diving at Fernando de Noronha Marine Park.

When you get a quote for your travel insurance for Brazil, you’ll need to list your planned activities. 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. If you’re participating in an activity that isn’t listed in your policy wording, you can contact us to determine if you will be covered.

Travel insurance for medical emergencies in Brazil 

Before you leave Canada, consult with your doctor to let them know where you will be traveling within Brazil and see if you may need certain vaccinations or antimalarial medication for your trip. We also recommend packing a strong mosquito repellent. 

There are steps you can take to stay safe in the Amazon, but with such a diversity of wildlife also comes a diversity of parasites and amoebas. If you get bit by a kissing bug, it may not be as romantic as their name leads you to believe. They’ve been known to carry the parasite that transmits Chagas Disease.

If you do get sick and need to see a doctor while you’re in Brazil, your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses there. In some situations, medical providers may also want their money upfront. The Canadian government recommends that Canadians get travel insurance when traveling to Brazil that includes coverage for medical evacuation and hospital stays.

In some rural areas, you may find limited services available, or find that your medical team only speaks Portuguese. If you have a medical emergency when traveling to Brazil, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your Brazilian medical team if language is a barrier. 

If you get hurt deep in the Amazon rainforest and don’t have the help you need close by, your international travel insurance could also offer evacuation coverage if you need to be transported to another place to get care. 

If your doctor determines that it’s best for you to go home to Canada to get medical care, the repatriation coverage that is included in your travel insurance for Brazil may cover the costs to get you there. 

Travel insurance for lost bags in Brazil

Nobody ever plans for lost bags, but it happens. What happens if you board your flight in Canada and then realize that you made it to Brazil but your bags didn’t? That could be even more frustrating if you also checked your surfboard in hopes of catching the stellar waves in Itacare. 

If you get to Brazil and then realize that the airline lost your bag, the baggage coverage included in your travel insurance for Brazil may reimburse you for the cost to replace your surfboard and other belongings. When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details on depreciation and policy limits. 

If you’re lucky, your bags and surfboard just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited. 

Botafogo bay, Rio de Janeiro
Botafogo bay, Rio de Janeiro, Brazil. Photo credit: Getty Images / Andre Pinto

Travel insurance for stolen items in Brazil

While it’s a good idea to always be cautious when you’re traveling in Brazil, it’s especially important to be vigilant during crowded, busy events like Carnival. Yes - it’s the party of all parties, and the Guinness Book of World Records even named the Carnival of Sao Paulo the world’s largest street carnival. 

You just can’t imagine how massive it is until you’re stuck in a sea of millions of people. It’s a great time to make new friends, but it’s also unfortunately a prime spot for pickpocketing. It can be really easy for someone to snatch your phone or cash out of your pocket without you even knowing. Sometimes pickpockets operate in gangs around crowded areas. One person may cause a distraction, while one steals, another stashes the stolen items, and another keeps watch. 

As tempting as it can be to wear your bling out on the town, you may want to lock that up in the safe in your hotel room, along with your credit cards, passport, and other valuables. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim. 

You’ll need to do your part to keep your belongings safe too. If you have too many caipirinhas and leave your bag in a boteco, you won’t be covered if it’s not there waiting on you the next day. 

Travel insurance for canceled, interrupted, or delayed trips to Brazil

Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip. 

If you get sick before leaving Canada and your doctor tells you not to travel to Brazil at that time, you could be forced to cancel your trip. A good travel insurance for Brazil that includes cancellation coverage could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance. 

Unexpected things can also happen once you’re already in Brazil. If you get a call that an immediate family member back home has died, we understand that you may need to cut your trip short and head back home to Canada earlier than expected. 

When you’re searching for the best travel insurance for Brazil, check to make sure it has coverage for trip cancellation, delay, and interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens. 

Tips for Traveling to Brazil from Canada

Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for Brazil to review their up-to-date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up to date warnings on any advisories that may exist at that time. 

Take extra camera batteries. The worst feeling is to get set up for the perfect shot, only to find out you have a dead battery. Back home in Canada, you may be able to order a new camera battery and have it pretty quickly, but Amazon doesn’t do same day delivery to the Amazon rainforest. Also, with all of the wildlife you’ll see in Brazil, make sure to read up on some of our tips on how to photograph wildlife in an ethical way. 

If you purchase travel insurance for Brazil, it’s a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens. 

Overall, Brazil is an amazing country full of culture, natural beauty, and adventures. Our nomads have really enjoyed their time there, and we think you will too. To help you further plan, we invite you to check out more of our travel safety tips for Brazil before you leave Canada. 

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.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Plume Creative
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel insurance when visiting Great Britain

What to know when planning your British getaway.

    As featured in:

  • As featured in:

If you’re planning a holiday to Great Britain - home to our British royals, historic castles, sprawling country-sides and Shakespearian folklore settings, you may want to consider travel insurance, so that you can enjoy your British adventure.

Your World Nomads’ policy includes coverage for:

What should you look out for when travelling to Great Britain?

Lost or stolen or damaged baggage cover

It can be upsetting to touch down at Heathrow airport and find your baggage isn’t on the carousel when you arrive. There’s also the chance that your sporting gear could get stolen on public transport or from your hotel. This is where World Nomads Travel Insurance may help ease the pain and may provide coverage (up to the policy limits) for loss, theft or damage to baggage or personal items if your specific situation falls within the covered risks insured by the policy.

What to do if your bags are stolen or damaged: if your bags have been stolen or damaged you’ll need to file a report with your airline or travel carrier, tour operator, or lodging provider. In the case of a theft, you’ll need to report it to the local police or relevant authority. Be sure to obtain a copy of the policy report, written reports, luggage receipts, travel documents and all correspondence with the carrier or service provider. Insurance won’t cover things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). So, if you left your backpack on a tour bus while visiting Stonehenge that’s a loss you most likely won’t be reimbursed for.

You may also need to take depreciation into account, so read your policy to understand how depreciation will affect your claims.

Family on Tower bridge
Family on Tower bridge. Photo credit: Getty images / Sol de Zuasnabar Brebbia

Delayed baggage

You may be covered for the replacement of necessary personal effects if your bags were lost in transit to Great Britain. There is a waiting period of 12 hours before your benefits begin. Your plan may cover the cost of toiletries, and some basic clothing until you are reunited with your luggage.

What to do if your bags are delayed: You’ll need to report the incident and file a claim directly with the air carrier first. Do your best to get copies of all receipts, written reports, luggage receipts, travel documents and all correspondence with the carrier or service providers. If needed, you can make a claim.

Travel insurance tip 1:  Don’t leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices, valuables, travel documents, cash and credit cards with you at all times. Remember that if you buy anything, before or during your trip, keep all receipts.

Airplane travelers waiting for luggage from a conveyor belt.
Airplane travelers waiting for luggage from a conveyor belt. Photo credit: Getty images / S izusek

Overseas emergency medical coverage

It’s important to know that Canada and the UK do not have reciprocal healthcare agreements. You may want to consider travel insurance for overseas emergency medical emergencies before you enter the UK. If you’re injured in an accident or suddenly get sick while travelling, and you've bought a policy for the activities you're doing, you may be covered for emergency medical treatment including:

  • Direction to the closest appropriate care
  • Hospitalization
  • Out-patient treatment for medical emergencies
  • Prescribed medicines, X-rays, and laboratory tests
  • Being brought home if medically necessary

You must contact us before seeking medical attention, emergency evacuation or repatriation. If your situation is life-threatening, seek medical help immediately and call us as soon as medically possible or have someone contact us on your behalf.

Your policy may also be able to help with these travel related issues

  • Trip cancellation: You may recover non-refundable, pre-paid holiday costs should you need to cancel your trip due to a covered reasons such as a confirmed and documented diagnosis of sickness, as certified by a doctor, before your departure.
  • Trip interruption: During your holiday, you might have to return home early because of sudden or unforeseen events affecting you, a travel companion, or an immediate family member. With trip interruption coverage, you may be eligible for reimbursement for a one-way, economy-fare ticket home to Canada and any pre-paid, unused portions of your trip that you would forfeit due to a covered reason. Please refer to the Trip Interruption section of your policy for more information.

Travel insurance tip 2: In some parts of the UK (including Wales, Scotland and Northern Ireland) the local inhabitants may speak in Gaelic, Welsh or Irish language. In the event you suffer a medical emergency, our 24/7 assistance team can provide assistance with corresponding with hospital staff when you don’t speak the local language.

A group of friends having fun kayaking on Derwent Water in The Lake District
A group of friends having fun kayaking on Derwent Water in The Lake District. Photo credit: Getty images / SolStocka

Coverage for activities and sports when in Great Britain

If you’re thinking of trekking or hiking in remote parts of the UK like Pembrokeshire in Wales’ southwest, or kitesurfing in Troon, on the west coast of Scotland, World Nomads may provide you with the coverage you need for your adventure activities. World Nomads offers travel insurance coverage for more than 150 activities and sports. Carefully examine your policy documents to make sure your planned activities are included. If the adventure sport isn’t listed, you may need to upgrade your policy to ensure you’re covered for everything you plan to do. All adventure, sports, work or volunteer activities must be added when you purchase your policy. If you have any questions our customer service team can also assist you.

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 about your coverage, just ask us.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Plume Creative
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel Insurance for the United Kingdom

Discover how travel insurance for US residents traveling to the UK may cover medical emergencies, lost baggage, cancelations, and plenty of thrilling activities.

    As featured in:

  • As featured in:

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.

At a glance:

  • Travel insurance benefits for the United Kingdom may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across the United Kingdom (cycling and hiking included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

Famed for its high tea and theater (hello, Shakespeare!), historic cities like Edinburgh and Bath, edgy nightlife in East London, idyllic countryside, and the remote, rugged islands of Scotland like the dreamy Isle of Skye, the United Kingdom draws millions of Americans every year.

You can taste smoky whisky across Scotland’s Speyside, pub hop in Manchester, relax in a stone cottage in the Cotswolds, celebrate at Notting Hill Carnival in West London, and amble through castles and along coasts in Wales.

While a trip to the United Kingdom is an amazing experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels, and we encourage you to look into travel insurance* to protect your adventures to the United Kingdom.

Do I need travel insurance for the United Kingdom?

International travel can bring all kinds of unexpected surprises - like stumbling across centuries-old ruins along the Scottish coast.

Some surprises are not as great though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you fall and injure yourself while hiking in Cairngorms National Park, you may then wish that you had travel insurance for the United Kingdom.

World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in the United Kingdom

You may be planning some hikes in West Midlands or hoping to catch some waves in Cornwall. The United Kingdom is filled with all sorts of adventures such as stargazing in Northumberland International Dark Sky Park. World Nomads covers more than 250 activities for Americans traveling to the United Kingdom and includes things like surfing, camping, and hiking.

Before you get a quote for your travel insurance for the United Kingdom, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.

For example, rock climbing in the Peak District is covered under all World Nomads insurance plans. Kayaking, windsurfing, and paddle boarding in the Lake District, among other water sports, are covered as well. If you’re planning to cliff jump in scenic Port Gaverne off the coast of North Cornwall, though, you’ll need to upgrade from the Standard Plan and purchase the Explorer or Epic Plan.

Travel insurance for medical emergencies in the United Kingdom

While the United Kingdom doesn’t have as high as peaks as some other destinations, accidents can still happen. You might be trying to ascend Snowdonia—a popular climbing area in Wales—and slip and fall. If you need to seek emergency medical attention, your travel insurance for the United Kingdom may help you get the care you need.

If you have a medical emergency when traveling to the United Kingdom, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. In general, the United Kingdom has reliable health care, and your World Nomads travel insurance can help you navigate the system.

If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for the United Kingdom may cover the costs to get you there.

To streamline your experience seeking medical treatment in the United Kingdom we recommend signing up for Portable Health Records before your trip. This non-insurance service partner makes your documents, prescriptions, test results, and emergency contacts accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.

Travel insurance for lost and stolen bags in the United Kingdom

Nobody plans for lost bags, but it happens. If you’re planning to climb Ben Nevis, the UK’s highest peak, you probably packed your new pair of hiking boots. If you get to Glasgow and realize that your bag hasn’t arrived, your travel insurance for the United Kingdom may reimburse you for the cost to replace your hiking boots and other belongings.

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Generally, the United Kingdom is a safe destination. Pickpockets can happen occasionally, though, especially in larger cities. You’ll especially want to be careful with public transportation like the Tube in London, which can get super crowded. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for United Kingdom.

You’ll need to do your part in keeping your belongings safe as well. If you have a few too many pints of Guinness during a pub crawl in Belfast and lose your wallet, World Nomads travel insurance won’t cover your loss.

Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom

Even if you have the perfect getaway planned, things happen that can cancel, interrupt, or delay your trip. Before you get a quote, make sure your insurance plan for the United Kingdom covers trip cancelation and interruptions so you can be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.

Sometimes unexpected situations happen that can derail your plans. What happens if you get sick a few days before leaving for the UK? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for the United Kingdom that includes cancelation coverage may reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.

With the Explorer or Epic Plan, several travel inconveniences are covered as well. For instance, if you’re on a road trip through the colorful villages and wild coast of Northern Ireland and your rental car breaks down, causing you to be at least 12 hours late to your scheduled destination or return destination, you may be reimbursed for covered expenses incurred.

Tips for traveling to the United Kingdom from the US

Although the UK is typically a safe country, we encourage you to check out the US government’s safety warnings for the United Kingdom before you leave for your trip. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for the United Kingdom, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Not exactly known for its sunny skies, the weather in the UK can change at the drop of a hat. Come prepared for rain, sun, and chilly, windy days. While a change in weather might just mean ducking into a cozy pub if you’re wandering around London, be careful with weather in Wales, Scotland, and other coastal and mountainous regions. Weather can change without notice, which can create dangerous conditions if you’re on a slippery peak or windy cliff.

Consider exploring the United Kingdom by train! The region is well-connected by short- and long-distance routes. Train travel is a fun way to slow down and reduce your carbon footprint, while watching the green pastures of farms and forests flicker by.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

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?
  • Been made redundant?

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Alexander Spatari
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel Insurance for Europe

Traveling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!

    As featured in:

  • As featured in:

One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Italy, hiking the West Highland Way in Scotland or island hopping in Greece, World Nomads has cover available for you.

What’s Covered

Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:

  • Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us. 
  • Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from the 24/7 Emergency Assistance Team. 
  • Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
  • Trip cancellation: one of the biggest questions with any international travel currently is related to cancellations. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your policy carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.
  • Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
  • Family plans: our policies cover up to 8 children and grandchildren (up to 17 years of age depending on your country of residence). Our cover includes 2 adults and up to 8 dependents on the one policy.
  • Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
  • Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has more details, including benefit limits, terms and conditions, and exclusions.
Montmartre, France
Street in Montmartre France. Photo credit: Getty images / iStockphoto

Why should I consider travel insurance when visiting Europe?

Europe covers a massive area and is made up of a diverse range of countries, climates, cultures and people. In most cases, travelling goes off without a hitch. But having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.

Multi-Destination Trips

We may offer cover for multiple destinations around Europe or worldwide. You will need to choose either each country you're visiting or if you're unsure where you'll be travelling then pick 'Europe' when you get a quote. If you’re backpacking your way around Europe, staying in hostels, going out on the town and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.

Families

Traveling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy complications, coronavirus, trip interruption, and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.

Winter Activities

Winter in Europe is like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences for you and your loved ones to seek out.

Summer Adventures

An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking & rafting and even sailing.

We offer two plans for depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

  • The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
  • Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at levels 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. 

How do the levels of activity and sports cover work?

  • (1) Level 1 - Automatically covers Level 1 sports, activities & experiences and non-manual work in the Standard Plan and Explorer Plan.
  • (2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences, non-manual and manual work.
  • (3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences and manual work.

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Wording for details or contact us.

Trentino, Italy, Alto Adige
Trentino-Alto Adige is a region in northern Italy. Photo credit: Getty images

What to look out for when travelling around Europe

  • Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim.
  • Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unattended. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
  • Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our policies can also offer cover for your rental vehicle insurance excess.
  • Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

  • Pre-existing medical conditions – see the Policy Wording for details.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S. Department of State (see state.gov)
  • Unattended baggage or personal items, including any items left in a locked car overnight.
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
  • Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
  • Being intoxicated by alcohol or drugs.
  • Pregnancy and/or any related pregnancy complications, except as described in Health conditions & your policy in the Policy Wording. Costs or losses otherwise associated with a single or multiple pregnancy or childbirth including, but not limited to, caesarean section or any other medically or surgically assisted delivery which does not cause medical complications.

Handy tips for traveling in Europe

  • Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
  • Pack light – especially if you’ll be travelling around Europe using public transport.
  • Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
  • Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.

This is not a full list of what’s covered and what’s not; please check your Policy Wording 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.

Did you know travel insurance covers...

You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.

True Claims Stories

Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
L.D
U.S resident in Spain

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?
  • Been made redundant?

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
  • Luggage lost?
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

A true claim story

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L. De Jesus,
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely
    A.Brennan,
    Australian in Thailand
  • Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
    K.McMahon,
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.Ryan,
    Canadian in Malaysia

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Alexander Spatari
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel Insurance for Europe

Travelling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!

    As featured in:

  • As featured in:

One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Switzerland, hiking the Via Ferrata in Italy or sailing the seas of Croatia, World Nomads has cover available for you.

What’s Covered

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

  • Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us. 
  • Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us. 
  • Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your plan, you may be able to recover your travel expenses.
  • Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
  • Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes 2 adults and up to 8 dependents on the one policy.
  • Adventure, activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
  • Cover for some Coronavirus-related events: Both our plans offer cover for coronavirus-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has more details, including terms and conditions, benefit limits and exclusions. 
Montmartre, France
Street in Montmartre France. Photo credit: Getty images / iStockphoto

What to look out for when travelling around Europe

Multi-Destination Trips

If you’re backpacking your way around Europe, staying in hostels, going out on the town, and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.

Families

Travelling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy, coronavirus, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.

Winter Activities

Winter activities in Europe are like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences.

Summer Adventures

An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking and rafting and sailing.

We offer two plans for New Zealand residents – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

  • The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
  • Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at level 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. 

How do the levels of activity and sports cover work?

Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan. Low-risk adventure sports and activities listed as Level 1.

Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences. Higher-risk adventure sports and activities listed as Level 2.

Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences. Highest-risk adventure sports and activities listed as Level 3 (including snow sports).

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Document for details or contact us.

Trentino, Italy, Alto Adige
Trentino-Alto Adige is a region in northern Italy. Photo credit: Getty images

What to look out for when travelling around Europe

  • Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim. 
  • Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unsupervised. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
  • Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our Explorer plan can also offer cover for your rental vehicle insurance excess.
  • Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

  • Existing medical conditions – see the Policy Document for details.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government (see safetravel.govt.nz)
  • Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
  • Unsupervised baggage or personal items, including any items left in a locked car overnight.
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
  • Being intoxicated by alcohol or drugs.
  • Any pregnancy-related illness after the 26th week of gestation. *Childbirth; regular antenatal care; care of a newborn child.

Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

New Entry/Exit System (EES) starts October 2025

If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.

The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.

Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

ETIAS delayed until 2026

The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.

Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go. 

The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.

While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.

Learn more about the ETIAS by checking out our Travel Wiser article.

Handy tips for travelling in Europe

  • Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
  • Pack light – especially if you’ll be travelling around Europe using public transport.
  • Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
  • Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

Traveller tip: if you’ve already arrived in Europe and you forgot to buy travel insurance before leaving New Zealand, don’t panic. You can visit the World Nomads website at any time of the day or night and purchase a policy. Please note there are waiting periods that apply when purchasing a policy while already travelling, to find out more check out our waiting period Help Centre article here.

True Claims Stories

Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
L.D
U.S resident in Spain

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?
  • Been made redundant?

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
  • Luggage lost?
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Alexander Spatari
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Dreaming

Travel Insurance for Europe

Travelling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!

    As featured in:

  • As featured in:

One of the great travel regions of the world, Europe has ancient cultures, diverse scenery and dramatic coastlines. Whether you’re skiing in France, hiking in Spain or island hopping in Greece, World Nomads has cover options available for you.

What's Covered

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

  • Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us. 
  • Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us.
  • Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your plan, you may be able to recover your travel expenses.
  • Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
  • Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes 2 adults and up to 8 dependents on the one policy.
  • Adventure activities and sports: we cover more than 220 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
  • Cover for some Coronavirus-related events: Both our plans offer cover for some coronavirus-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has more details, including terms and conditions, benefit limits and exclusions. 
Montmartre, France
Street in Montmartre France. Photo credit: Getty images / iStockphoto

Why should I consider travel insurance when visiting Europe?

Europe covers a massive area and is made up of a diverse range of countries, climates, cultures and people. In most cases, travelling goes off without a hitch. But having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.

Multi-Destination Trips

If you’re backpacking around Europe, staying in hostels, going out on the town, and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 220 activities, sports and experiences including volunteering and working.

Families

Travelling as a family can be a rewarding experience as you explore Europe together. Our policies can help cover for medical emergency, pregnancy, coronavirus, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy, you can find more information on family cover by checking out our family travel insurance article.

Winter Activities

Winter activities in Europe are a must do on your travel activity list. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 220 activities, sports and experiences.

Summer Adventures

An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking & rafting and even sailing.

We offer two plans for Australian Residents – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

  • The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
  • Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at level 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. 

How do the levels of activity and sports cover work?

(1) Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan. Low-risk adventure sports and activities listed as Level 1.

(2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences. Higher-risk adventure sports and activities listed as Level 2.

(3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences. Highest-risk adventure sports and activities listed as Level 3 (including snow sports).

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your PDS for details or contact us.

Trentino, Italy, Alto Adige
Trentino-Alto Adige is a region in northern Italy. Photo credit: Getty images

What to look out for when travelling around Europe

  • Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters such as flooding. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim. 
  • Keep an eye on your gear 24/7: it’s very important that you NEVER leave your valuables unsupervised. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
  • Baggage theft or loss: if you’re on a European road trip and your rental car is broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. The Explorer plan can also offer cover for your rental vehicle insurance excess.
  • Pickpockets: while most countries in Europe are very safe to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

  • Existing medical conditions – see the PDS for details.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see smartraveller.gov.au)
  • Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
  • Unsupervised baggage or personal items, including any items left in a locked car overnight.
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
  • Being intoxicated by alcohol or drugs.
  • Any pregnancy-related illness after the 26th week of gestation.
  • Childbirth; regular antenatal care; care of a newborn child.

Be sure to read the PDS and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to use your cover.

New Entry/Exit System (EES) starts October 2025

If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.

The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.

Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

ETIAS delayed until 2026

The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.

Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go. 

The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.

While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.

Learn more about the ETIAS by checking out our Travel Wiser article.

Handy tips for travelling in Europe:

  • Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
  • Pack light – especially if you’ll be travelling around Europe using public transport.
  • Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
  • Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.

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 PDS 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.

Traveller tip: if you’ve already arrived in Europe and you forgot to buy travel insurance before leaving Australia, don’t panic. You can visit the World Nomads website at any time of the day or night and purchase a policy. Please note there are waiting periods that apply when purchasing a policy while already travelling, to find out more check out our waiting period Help Centre article here.

True Claims Stories

Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
L.D
U.S resident in Spain

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?
  • Been made redundant?

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
  • Luggage lost?
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

A true claim story

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L. De Jesus,
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely
    A.Brennan,
    Australian in Thailand
  • Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
    K.McMahon,
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.Ryan,
    Canadian in Malaysia

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
What You Need To Know About Skiing Safely When in Japan
Japan

What You Need To Know About Skiing Safely When in Japan

Before strapping on your skis or board, review some essential ski safety tips that are applicable not only in Japan, but wherever you may hit the slopes.