Travel insurance when visiting Great Britain
What to know when planning your British getaway.
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Ahh, Great Britain - home to the British royals, countless unique castles, stunning scenery, and a rich history which spans from Stonehenge to Shakespeare and beyond. Before you book your trip to visit Great Britain, you may want to consider travel insurance, so the only drama is on stage with the actors.
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
When planning a trip in and around the UK the most common issues Irish travellers may face are lost or delayed luggage, or unexpected medical issues. And now you can add Coronavirus to the list of common issues that travellers are dealing with.
What should I look out for when traveling to Great Britain?
Lost, stolen or delayed baggage cover
It can throw a massive spanner in the works to arrive at Heathrow and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. You could also get your gear stolen on public transport or from your accommodation, which is why baggage insurance should be considered.
World Nomads may offer cover (up to the policy limits) for loss, theft or damage to baggage or personal items depending on your specific situation, see below:
- Bags stolen or damaged: as soon as you’ve realised your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. 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). Remember to always keep originals or copies of your receipts if you need to make a claim.
- Bags delayed: you may be covered if your bags were lost in transit. You’ll need to report the incident and get a Property Irregularity Report or a similar official report in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Overseas medical insurance and cover for Coronavirus-related events
When traveling around Great Britain, you should consider medical insurance in case of an accident or sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to Ireland.
With Coronavirus causing travel disruptions globally it’s also important that you follow any Irish Department of Foreign Affairs (DFA) and UK government guidelines while in the UK. It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots, even in open-air places such as Stonehenge, London’s parks and palace grounds, or when strolling through the bustling streets of Edinburgh.
The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on the plan you choose. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team around the clock
Dealing with a medical emergency can be frightening and confusing, but you don’t have to go through this experience on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, help out with admin and arrange for payment of expenses if necessary. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Great Britain
If you’re looking to get your adrenaline levels up and you go hiking in Snowdonia, or camp and mountain bike in the Scottish Highlands, World Nomads offers travel insurance cover for 150+ activities and sports. Please check your Policy Wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do.
Are you looking for more travel inspiration for Great Britain? World Nomads has various articles that cover a range of fun topics on Great Britain or check out our articles if you need the latest safety travel alerts.
This is not a full list of what’s covered and what’s not covered. 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 can cover...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
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.
Travel insurance tip 1
Never leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices (tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices), jewellry, specified high value items, travel documents, cash and credit cards with you at all times. If you can’t, then leave them in a secure place such as a locked safe. Remember that if you buy anything, before or during your trip, to keep all receipts.
Travel insurance tip 2
The UK’s withdrawal from the European Union (EU) has not affected the rights of Irish citizens within the Common Travel Area. The right to live, work and access public services in the Common Travel Area is protected. Your Common Travel Area rights do not extend to your family. This means that if your spouse or partner, or other relative, is not an Irish or UK citizen, they may have to apply for residence in the UK.
Travel insurance tip 3
In some parts of the UK (including Wales, Scotland and Northern Ireland) signage, including road signs, are written in the local Gaelic, Welsh or Irish language. However, English is still widely spoken and it is relatively easy to find medical assistance.
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)
True Claims Stories
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 teamWorld Nomads’ top travel tips for eco-conscious travelers
Before you pack your bags and start your journey, make sure you travel with the planet in mind and do so responsibly.
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Traveling is a fantastic experience, but wherever you go, you should consider ways of giving back to the people and the places you visit.
World Nomads offers you the chance to give back to communities around the world through a micro-donation whenever you buy travel insurance with us. Through our Footprints Network, travelers have helped us fund more than 250 projects, and raise more than $3 million. We continue to partner with reputable charities and NGOs to ensure your micro-donation goes to the project of your choice.
Whether you want to donate, volunteer, or stay in eco-friendly accommodation, here are some handy travel tips for you to consider when planning your next trip:
- Do your green research before you head off: look for accommodations, destination, products, and tour companies that have been deemed sustainable by a legitimate certifying body. In the sustainable tourism world, that means organizations such as the Global Sustainable Tourism Council, The Rainforest Alliance, and Earth Check.
- Go off-grid or visit less-visited locations: after the pandemic caused a reset of travel, it makes sense to leave the beaten track and create your own path. Visiting places further away from the masses will give you a more authentic experience, and also help to reduce degradation of popular sights. But be aware that the more remote your destination, the more chance there is that these may not be covered if you choose to purchase. Always check if your off-the-grid destination(s) are covered. While we offer cover for more than 100 destinations, we do not offer travel insurance to sanctioned countries, and cover may be affected if you travel to a destination that your government has advised against traveling to. Also, some destinations may not be covered due to violence, terrorism or possibly due to being designated a COVID hotspot.
- Choose from more than 150 activities, sports and experiences: while we do offer cover for more than 150 activities, sports and experiences, we don't cover everything. For example, we do not cover big game hunting or Spain’s running of the bulls. Many activities will have special conditions and exclusions attached to them. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. Your policy may have conditions and exclusions.
- Volunteer when abroad: giving back to the places or communities you’re visiting can be a rewarding experience. Volunteerism is on the rise, for example, reforestation, cleaning up beaches, nature trail construction and invasive species management are just some volunteer work examples. With World Nomads, the types of volunteer activities that are covered will depend on your country of residence. Check your plan and policy wording to get more details. For example, you won’t be covered if you intend to work near dangerous animals such as sharks, elephants, big cats, bears, and deadly snakes or if you go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
- Immerse yourself in local communities and culture: a big part of traveling is exploring new cultures and environments. So, it goes without saying that you shouldn’t do anything that might endanger or exploit local people or wildlife. Don’t litter, stay on public footpaths and follow local laws and cultures. Help protect the places that you visit by following local customs. Under our policies, you won’t be covered if you cause any physical injury or property damage deliberately or if you cause any damage with intent, malice or gross negligence.
- Airbnb, green resorts or homestay: when traveling, there are many eco-friendly options to choose from depending on your budget. You can stay at an eco-friendly Airbnb rental, at a hostel or hotel or live in a local community, all these options can offer eco-friendly options. When staying at a private vacation rental please remember that illegal activities and any incidents caused by being under the influence of alcohol and drugs are not covered (partying is banned at most vacation rentals). For those who have a higher budget, some resorts have tree-planting and other supporting environmental programs such as a no plastic policy, and using local foods in their restaurants. At the other end of the budget, staying with local families will give you knowledge of local habitats, wildlife, and traditional cultures. Seeking out local experiences such as homestays, and hiring local guides are great ways to learn about a culture, while providing direct economic benefits to the host communities.
- Choose a responsible tour operator: choose a tour operator that promotes responsible tourism, works as part of the local community, and actively helps to conserve the environment. Before you go, ask your travel provider (tour operator, travel agent) about the company’s environmental and responsible tourism policies – support those who support responsible tourism. Look for the Global Sustainable Tourism Council GSTC logo. GSTC is an independent, neutral organization that establishes and monitors global standards for destinations and tourism companies all over the world, and it’s also a great source of information for destinations, accommodation and eco-friendly travel tips.
Note: this is only a summary of coverage and does not include the full terms and conditions of the policy. There are terms & conditions, exclusions and limits which apply depending on your Country of Residence and the level of cover you’ve chosen, so be sure to read the policy wording before you buy a policy.
What type of eco tourist are you?
According to the United Nations, there are three types: hard ecotourist, soft ecotourist and the adventure ecotourist.
- The hard ecotourist: is motivated primarily by a scientific interest in nature and is interested in bird watching, nature photography, and botanical trips. Sometimes they will take on activities that require strenuous effort and non-hotel accommodations. If you fall into this category you may have the option (depending in your Country of Residence) to upgrade and pay a little extra to increase the cover for any hi tech gear, such as cameras, lenses, and laptops that you're taking with you. You never know when your tech gear could be stolen, lost, or damaged on your travels.
- The soft ecotourist: is the fastest growing segment. This traveler is interested in observing wildlife and participating in local culture. Hiking is a favourite activity, and they are less intense than the hard ecotourist. If you fall into this category, World Nomads offers more than 150 activities, sports and experiences. Coverage varies between our two plans- Standard and Explorer – so it’s important to take the time to understand what activities you are likely to do, and the difference between our plans.
- The adventure ecotourist: engages in moderate to high-risk activities such as surfing, scuba diving, snorkeling, wind surfing, whitewater rafting, and rock climbing. These types are the adrenaline all or nothing types looking for a challenge. If you’re looking for more adventure, you can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.
Want more of our plan details?
You can compare our Standard and Explorer plans and prices through getting an instant online quote.
Need some extra info on eco travel?
Here are some World Nomads articles for more inspiration and information around sustainable travel practices:
- Community-Based Tourism: living with the locals
- Top 10 tips for environmentally-friendly travel
- How regenerative tourism can make you a better traveler
- Nature Calling? How to keep the places you go pristine
- How to find an ethical safari, camp, and safari wilderness experience
- How to use less plastic when you travel
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
VIDEO: 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.
True Claims Stories
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when visiting Great Britain
What to know when planning your British getaway.
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As featured in:
Savouring a quiet ale in a centuries-old British pub is a time-honoured tradition for Aussies jetting off to the UK. From the drama of West End theatre to the dragon-like mists of the Welsh countryside, this island nation packs a punch that keeps Aussies coming back.
- What's covered
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
- What's not covered
What's covered
If you head south for the Falmouth International Sea Shanty Festival in Cornwall, which celebrates all things nautical, it could be worth considering travel insurance to help with those unexpected costs if you are struck down with food poisoning or suffer an injury that lands you in hospital.
World Nomads offers cover (up to the policy limits) for:
- Overseas emergency medical: The charms of the UK can’t prevent life’s surprises. You can submit a claim to recover unexpected medical expenses while travelling around the UK.
- Baggage protection: if your gear is damaged or snatched from under your nose, our gear cover may help with replacing covered items (policy excess applies).
- Family plans: The UK offers spellbinding treats for the whole family; our cover includes 2 adults and up to 8 dependents on the one policy.
- Your plan can be extended while still travelling for up to 12 months from your departure date (terms and conditions apply)
What should I look out for when travelling to Great Britain?
Lost, stolen or delayed baggage cover
A Scottish summer is full of surprises, sea kayaking the sheltered sea lochs of the Western Highlands or even snorkelling the Outer Hebrides Island chain (yes - you’ll need a thick wetsuit!). But if your gear is delayed, damaged or stolen on public transport before you even arrive, our baggage cover can help.
- Bags stolen or damaged: as soon as possible report any theft to the police, and if stolen from your private, locked accommodation, there must be visible evidence of forced entry. You must also report any damage to the relevant authority and make a claim directly with the carrier first. Remember you’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Bags delayed: if your checked-in baggage is delayed for more than 12 hours, there is cover to replace those essential items and toiletries while you wait for your bags to arrive.
Overseas medical insurance and cover for Coronavirus-related events
No one likes being left out of pocket from unexpected medical costs while travelling. If your hike along the beautiful Seven Sisters coastal walk leaves you hobbling in pain and you need to find a doctor or a hospital, our plans have got your back to recover medically necessary expenses such as hospital stays, prescriptions, outpatient treatment and emergency dental treatment.
Our travel insurance plans include emergency medical and repatriation cover if you get sick with Coronavirus while travelling, but terms and conditions as well as benefit limits apply and vary between plans. It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots but if you do get sick, contact the 24/7 Emergency Assistance Team so they can help direct you to local medical facilities if needed and help you understand your options. For all the details including benefit limits and exclusions under our Coronavirus cover, check out our Coronavirus cover article.
Access to our 24/7 Emergency Assistance Team around the clock
It’s good to know with World Nomads travel insurance, you can call our 24/7 Emergency Assistance Team if you suddenly find yourself in a crisis overseas. The EA 24/7 team can help get you to the nearest medical facility, provide help navigating language barriers, or assist with evacuation for medical reasons.
For injuries where treatment costs are not expected to exceed AUD$2,000, you can submit your receipts for reimbursement. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, you must call our 24/7 Emergency Assistance Team who will work with us to confirm cover and they will liaise with the hospital on your behalf to arrange payments.
Traveller tip 1: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date.
Cover for activities and sports when in Great Britain
Whether it’s caving in the limestone dales of Yorkshire or a canoe trip down the Thames, the UK is a haven for adventure lovers. Whatever the activity, both our Standard and Explorer plans off cover for level 1 sport and adventure activities that include hiking up to 2,000 metres, and activities such as kayaking, horse riding and cycling.
For more adventurous pursuits you may need to upgrade your cover if you’re hiking up to 6,000 metres, for example if you’re going mountain biking or skiing in Scotland. Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your PDS for details or contact us.
If you manage to get some sweet sunshine, the Pembroke coast in Wales has some of the UK’s best beaches as well as being much quieter than the English coast. If you hire a car for a self-drive holiday, the Explorer Plan has cover for the rental insurance excess if you’re involved in an accident. Check out the article on how our road trip insurance can help you.
What's not covered
Travel insurance is not designed to cover everything. Some things we don’t cover include:
- Unattended baggage or personal items, including any items left in a locked car overnight.
- Any pre-existing medical conditions as per your PDS. Check your PDS carefully.
- If you do not use a professional, qualified and licensed guide and operator for activities where required.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- The policy excess per person per insured event where applicable (check the Summary of Benefits in your PDS).
Traveller tip 2: the number 9 bus in London will take you past the best sights the city has to offer for just a few pounds.
This is not a full list of what's covered and not covered. There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
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)
True Claims Stories
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 teamSeguro Viagem para mountain bike
Seja você um ciclista experiente ou iniciante, o Seguro Viagem para mountain bike pode ajudá-lo com os obstáculos no caminho.
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- Que tipos de aventuras de mountain bike são cobertas?
- Escolhendo a apólice ideal para as suas necessidades
- O que está coberto quando você pratica mountain bike?
- O que não está coberto para mountain bike?
- Dicas úteis para suas aventuras de mountain bike
- Precisa de inspiração para suas próximas aventuras?
Nada se compara a descer uma montanha ou fazer cross-country com o almoço na mochila e seus pés no pedal, te impulsionando para novas paisagens. Nossos nômades, principalmente os residentes no Brasil, amam a prática de mountain bike, e é por isso que a modalidade faz parte da lista de atividades de aventura cobertas por nossos planos de Seguro Viagem. Antes de se embrenhar pela natureza, leia nossas dicas para aproveitar ao máximo seu Seguro Viagem.
Que tipos de aventuras de mountain bike são cobertas?
Contanto que você não esteja fazendo nada insensato, como andar sem capacete ou sob a influência de drogas ou álcool, a World Nomads oferece cobertura para mountain bike, incluindo off-road, cross-country, downhill e até snow bike.
Escolhendo a apólice ideal para as suas necessidades
Oferecemos três planos – Standard, Explorer e Explorer Plus – e cada um oferece diferentes limites e sublimites de cobertura e incluem diferentes atividades. Além de mountain bike, nossos planos cobrem mais de 180 atividades de aventura para nossos nômades do Brasil.
Cabe a você escolher qual plano tem o nível ideal de cobertura para atender às suas necessidades de viagem e que corresponda aos seus planos específicos. Fazendo uma cotação, você pode comparar nossos planos Standard, Explorer e Explorer Plus e escolher aquele que melhor atende às suas necessidades. Você não pode fazer um upgrade em sua apólice após a compra, então escolha com cuidado.
Confira todos os detalhes de sua apólice e entre em contato com nossa equipe de atendimento ao cliente se tiver alguma dúvida.
O que está coberto quando você pratica mountain bike?
Prática eventual durante a viagem
Cobrimos apenas a prática eventual de mountain bike em suas férias: quando você só planeja andar de bicicleta ou mountain bike por alguns dias, e não está usando uma bicicleta como seu principal meio de transporte durante suas viagens.
Se você sofrer um acidente enquanto anda de bicicleta
Não é bom pensar nisso, mas se você sofrer uma lesão durante sua viagem, nossa assistência médica emergencial poderá cobrir despesas relacionadas a:
- Traslado médico
- Internação
- Atendimento especializado
- Medicamentos prescritos
Caso necessite de tratamento médico, é fundamental que você entre em contato com nossa equipe de Atendimento Emergencial o mais rápido possível para que possamos ajudá-lo.
Se você precisar de regresso sanitário
Você pode estar em uma área remota, com acesso difícil a assistência médica, portanto, nossas apólices incluem cobertura específica caso sua condição exija que você seja evacuado para um centro médico ou mesmo repatriado. Lembre-se apenas de que você precisará obter a aprovação de nossa equipe de Assistência Emergencial antes que uma evacuação possa ocorrer.
Equipe de Assistência Emergencial 24 horas
Ter uma emergência num país estrangeiro pode ser assustador, mas com um seguro World Nomads você terá acesso à nossa equipe de Assistência Emergencial 24 horas por dia, 7 dias por semana. Nossa equipe pode ajudar com diversos serviços em qualquer parte do mundo, fala vários idiomas e está disponível 365 dias por ano.
Cancelamento de viagem
Se sua viagem for cancelada ou interrompida devido a um evento imprevisto, como doença ou lesão, você poderá recuperar suas despesas de viagem não reembolsáveis, pré-pagas e não utilizadas.
Bagagem extraviada ou danificada (incluindo sua bicicleta)
Se houver um atraso de mais de 12 horas na chegada de sua bagagem, podemos reembolsar despesas com itens pessoais, como roupas e produtos para higiene pessoal. Se você despachar sua bicicleta e ela for permanentemente perdida ou danificada pela companhia aérea, você poderá ter direito a reembolso para substituí-la, sujeito à depreciação e aos limites listados em sua apólice.
O que não está coberto para mountain bike?
Embora nossos planos ofereçam cobertura para mountain bike, há algumas situações que não estão cobertas. Isso inclui, mas não se limita a:
- Não importa quão experiente você seja, não cobrimos nenhum passeio de mountain bike pela infame Estrada da Morte – também conhecida como Camino a Los Yungas, na Bolívia.
- Participação em um esporte ou atividade não mencionos em nossa lista de atividades cobertas pela World Nomads.
- Participação em qualquer atividade ou esporte como atleta profissional.
- Se você viajar contra orientação médica.
- Qualquer condição médica pré-existente, salvo indicação expressa em contrário na sua apólice.
- Bicicletas e outros equipamentos esportivos danificados durante o uso.
Dicas úteis para suas aventuras de mountain bike
- Certifique-se de que sua bicicleta esteja configurada corretamente antes de pedalar – verifique o selim, os pedais, o guidão e a pressão dos pneus.
- Verifique seu condicionamento físico, faça alongamentos antes de iniciar e cuide para que você tenha alimentação e hidratação adequados ao percurso que pretende realizar.
- Coloque a sua segurança em primeiro lugar: só contrate operadoras profissionais, qualificadas e licenciadas. Caso contrário, sua cobertura poderá ser anulada.
- Mantenha o corpo solto e flexível e esteja preparado para pedalar em pé – isso alinha seu movimento ao da bicicleta e pode ajudar a evitar lesões e acidentes.
Precisa de inspiração para suas próximas aventuras?
Comece a pensar em suas próximas aventuras lendo sobre as experiências e dicas de outros nômades como você (artigos em inglês) e não se esqueça de planejar também seu Seguro Viagem. Faça uma cotação online!
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
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
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
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
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
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotação
Mountain biking Travel Insurance
Whether you're an experienced mountain biker or a beginner, travel insurance can help you with any obstacles along the way.
- As featured in:
As featured in:
- What types of mountain biking adventures are covered?
- Choosing the right policy for you
- What's covered when you go mountain biking?
- What's not covered when mountain biking?
- World Nomads handy tips for your mountain biking adventures?
Nothing beats heading down a mountain or practicing cross country with your lunch in your backpack and your feet pedaling you toward new landscapes. Our nomads, especially those residing in Brazil, love mountain biking, which is why this activity is on our list of covered adventure activities. Before you head off into the great outdoors, read our tips to make the most of your travel insurance.
What types of mountain biking adventures are covered?
As long as you're not doing anything reckless, like riding without a helmet or under the influence of drugs or alcohol, World Nomads provides coverage for mountain biking, including on and off road, cross country, downhill and even snow biking.
Choosing the right policy for you
We offer three plans – Standard, Explorer, and Explorer Plus – each offering different coverage limits and sub-limits, and including different activities. In addition to mountain biking, our plans cover more than 180 adventure activities for our Brazilian nomads.
It's up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific plans. When you get a quote, you can compare our Standard, Explorer and Explorer Plus plans side by side and choose the one that best suits your needs. You can’t upgrade your policy after the purchase, so choose carefully.
Check out your policy wording and contact customer service if you have any questions.
What’s covered when you go mountain biking?
Occasional practice during the trip
We cover only the occasional practice of mountain biking on your holidays: when you plan to ride a bike or mountain bike for a few days and are not using a bicycle as your main mode of transportation during your travels.
If you’re injured or have an accident while biking
It’s not nice to think about it, but if you suffer an injury or accident on your ride, our emergency medical coverage may cover you for emergencies that require:
- Medical transfer
- Hospitalization
- Specialized care
- Prescribed medications
If you need medical treatment, it's essential that you get in touch with our Emergency Assistance team as soon as possible so we can assist you.
If you need to be evacuated or repatriated
You might be riding in a remote area, far from medical assistance, so our policies include coverage if your condition requires you to be evacuated to a medical facility or repatriated back home. Just remember you’ll need to get approval from our Emergency Assistance team before an evacuation can take place.
Emergency Assistance Team available 24/7
Having an emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Our Emergency Assistance team can help with a range of services in whatever part of the world you're traveling, can speak multiple languages, and they're available 365 days a year.
Cancellation of your ride
If your ride is canceled or interrupted due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid, unused travel expenses.
Delayed, damaged or lost luggage (including your bicycle)
If there's a delay of more than 12 hours in the arrival of your luggage, we can reimburse expenses for personal items such as clothing and toiletries. If you checked your bike in with your airline, and it's permanently lost or damaged by the airline, you may be entitled to a reimbursement to replace it, subject to depreciation and the limits listed in your policy.
What’s not covered when mountain biking?
While we can offer coverage for mountain biking, there are some things we don’t cover. These include, but are not limited to:
- No matter how safe you are, we won’t cover any mountain biking on the infamous Death Road – otherwise known as Yungas Road in Bolivia.
- Participation in a sport or activity not named in our list of covered activities or agreed by World Nomads.
- Participating in any activity or sport as a professional athlete.
- If you travel against medical advice.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Bicycles and other sporting equipment that are damaged while in use
World Nomads handy tips for your mountain biking adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals, handlebars and tire pressure.
- Assess your physical condition, stretch before starting, and ensure you have adequate food and hydration for the route you plan to take.
- Put your safety first: only go riding with professional, qualified, licensed and reputable operators. If you don't, your coverage may be void. If something doesn't feel right, then don't go.
- Keep your body loose and springy and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
Need some inspiration for your next mountain biking adventure?
Start thinking about your next adventures by reading about experiences and tips from other nomads like you and don't forget to plan your Travel Insurance too. Get a quote online!
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 stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quoteTravel Insurance Cover for COVID-19 Related Events
Travel insurance may help if Coronavirus cancels your travel plans.
- As featured in:
As featured in:
For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
All our travel insurance plans include emergency overseas medical and repatriation cover if you get sick with Coronavirus while abroad.
Our Trip Disruption Section offers cover if you have no choice but to cancel or cut short your trip due to some Covid-19 related events.
If you first purchase your policy while already travelling overseas, a 72-hour waiting period applies for all cover. Benefit limits, conditions and exclusions also apply, and cover varies depending on the plan you choose.
Benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Coronavirus Travel Costs Note: This section has its own benefit limits which apply. Check your policy wording for full details or have a look at our Help article which has all of the details, including waiting periods, benefit limits, conditions and exclusions. |
Yes | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself being certified as too ill to travel due to COVID-19 by a medical practitioner, or if you, an immediate relative, travel companion or person you were planning to stay with is hospitalised or dies due to coronavirus, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans. The diagnosis of Coronavirus must be made after policy purchase.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and wherever possible, request written reports from providers or local authorities.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
How to get medical assistance
Contact our 24/7 Emergency Medical Assistance Teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and travelling companion details for where you are now
- The nature of your problem
FAQs
Here are our most frequently asked questions about Coronavirus. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course). You must contact the Emergency Medical Assistance team as these costs must be pre authorised by the insurer.
-
Why don't you cover ongoing treatment at home?
Medical cover in your home country is not offered with our travel insurance. Cover for your trip cancellation expenses may be available if you deemed too ill to travel due to contracting COVID-19. Speak with your travel providers; you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. Please note, if you’re already travelling and need to make changes to a flight or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider. If you can’t continue with your planned arrangements due being deemed too ill to travel due to Covid 19, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this too.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for 220+ Adventure Sports and Activities
Travel insurance designed for adventures while travelling.
- As featured in:
As featured in:
When planning an overseas holiday, it’s not always easy to decide on the types of activities you’re going to do. This is why we’ve designed our travel insurance plans to offer cover for more than 220 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Your coverage will vary according to whether you choose a Standard or an Explorer plan, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
Adventure sports, travel insurance and what’s covered by our plans
The following is a small sample of what World Nomads plans offer (up to the benefit limits):
Emergency medical and evacuation coverage: if at any time during your trip, you or any of your travelling companions becomes sick or injured, then you’ll need to contact our 24/7 Emergency Assistance team right away. They can help to locate the nearest hospital or medical centre and will facilitate your repatriation back to New Zealand if your treating doctor believes this to be medically necessary.
Trip cancellation coverage: if you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note, travellers must have already been issued with a Certificate of Insurance from World Nomads to have cancellation coverage available to them.
Coverage for extended stays: if you’re having an awesome time on your trip and choose to delay your return home to New Zealand, then you may be eligible to extend your travel insurance policy. You must not have had any change to your health, submitted a claim or intend to and are 69 years old or younger at the time to be eligible to extend. This must be done prior to 11:59pm on the return date that is listed on your policy. The policy may be extended for a total of 12 months from the start date that is indicated on your Certificate of Insurance.
Coverage for baggage and personal belongings: if your baggage or personal items are lost, damaged or stolen, then you’ll need to submit receipts, along with police reports or statements from your carrier (if the belongings were lost in transit).
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Policy Document.
What activities are covered?
Kiwis are well known around the world for their love of the outdoors, sports and trying new experiences. During your holiday, you may wish to try activities and sports that aren’t commonly done back home in New Zealand.
Before purchasing your travel insurance policy, check your Policy Document to make sure that all the sports and activities that you intend to do are covered. World Nomads provides travel insurance for 220+ activities, sports and experiences. While this list might seem immense, it doesn’t cover everything. That’s why you should never take for granted that your preferred activities will be covered.
The following are only some of the many sports and activities covered under our policies:
- Kayaking
- Hiking
- Surfing
- Sandboarding
- Snorkelling
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.
Questions to ask when choosing a plan
When hunting around for a travel insurance policy, you might be tempted to take the most cost-effective cover without reading through the Policy Document first. There are different policies to cover different types of holidays, and although reading this document can be a tedious task, it’s best to familiarise yourself with all the benefits, policy limits and exclusions before you purchase your cover.
World Nomads offer two travel insurance plans, the Standard Plan and the Explorer Plan. Both plans may offer protection for many of the same types of risks and can cover the costs associated with hospitalisation, repatriation, replacing lost baggage, as well as other unplanned for expenses.
However, the Explorer Plan offers a wider level of cover, with a greater range of benefits, and higher policy limits. For instance, you might wish to include cover for hiking or diving on your trip. Therefore, when choosing between the two plans, you would need to know the exact altitudes of your hiking trips and the depths of your planned dives.
As with many of the other activities that we cover, there are different levels of cover for hiking. For example, thinking rips to an altitude of 2,000 metres is classed as Level 1. Hikes to an altitude of 6,000 metres are listed as Level 3. While there is no cover under our policies for hiking expeditions that exceed an altitude of 6,000 metres.
Before choosing the right type of cover for your holiday, you need to research the details of any activities, sports, and tours you will be participating in, to make sure you make you have an adequate level of cover.
When deciding which policy is best suited to your adventures you might want to consider:
- What kind of activities will I be doing on holiday?
- What activities are my travel buddies planning?
- What cover do the two different plans offer for these activities?
- What exclusions might apply?
Note: It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
What’s not covered
Here are just a few examples of what is not covered under our plans. Please refer to your policy for the complete list.
- Existing medical conditions: cover is usually not offered for existing medical conditions. Although, there's automatic cover for over 40 existing medical conditions when certain criteria are met. Please check your PDS for the full details.
- If you are under the influence of alcohol or drugs.
- If you do not use a professional qualified and licenced guide or operator where required.
- Any search or rescue operations to find or rescue you from a life-threatening situation.
- If you refuse to be repatriated or evacuated for further treatment on the reasonable recommendation of the 24/7 Emergency Assistance Team.
- Damage to sporting equipment while in use.
- Unattended baggage or personal items.
- You are behaving in a reckless manner, or your actions are in breach of the local laws.
- If you participate in any sport or engage in any activity on a professional basis during your overseas holiday.
Overseas adventure activity tips to help you have a safer experience
Here are some general tips for New Zealand travellers to keep in mind.
Be careful with valuables - wallets poking out of back pockets or unzipped handbags displaying the contents inside are irresistible attractions for pickpockets and muggers. Keep all valuable items safely concealed on your body, or securely locked away in your hotel room when you don’t require them.
Listen to local news updates - during your stay in any country, make sure you pay attention to local news broadcasts, including weather updates. If a violent storm is expected to blast the region in the coming days, then it’s probably wise to postpone any outdoor activities or adventures you had planned until a later date.
Only work with qualified and licensed instructors - if you are planning to participate in any activities that require an instructor, then you should investigate whether that instructor has received the right training. They must be qualified and licenced to lead hiking, diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
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.
World Nomads covers more than 220 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about adventure activities and sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel insurance when on a road trip
Whether you’re embarking on a cross-country adventure or taking the coastal route, travel insurance can be available to prepare for the unexpected.
- As featured in:
As featured in:
One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
Travel insurance when on a road trip
If you’re thinking of taking the scenic route on your next trip abroad, World Nomads offers travel insurance coverage so you can enjoy the road less travelled.
It only takes a fraction of a second for your dream trip to turn into a nightmare: your car could veer off the road, your phone or documents could be stolen from the locked glove compartment…or even worse.
Some of the benefits included within our Standard and Explorer plans include:
- Unexpected medical emergencies on the road
- Rental car insurance for vehicle damage
- Emergency assistance at any time of the day or night
- Road trip interruptions or delays
- Baggage and valuables coverage
- Cover for some Coronavirus-related events.
What’s covered when going on a road trip
Having travel insurance may help with coverage when hitting the road if something goes wrong. World Nomads may offer cover (up to the policy limits) for:
- Trip cancellation coverage: Kiwis are familiar with natural disasters, especially earthquakes and floods. If something happens to your home before you leave (after you’ve bought insurance) or while you’re on holiday, insurance may cover some expenses associated with cancelling your trip, making a compassionate emergency visit home, or resuming your trip after a break.
- Coverage for extended stays: if you’re having too much fun and want to extend your road trip, you can extend your policy coverage if you do so by 11:59pm on the day your insurance cover expires.
- Activities, sports and experiences: let’s face it, New Zealanders are an adventurous, sport-loving bunch. Overseas travel offers exciting opportunities, such as scuba diving, bungee jumping, or white-water rafting. But if something goes wrong you need to know that while World Nomads offers cover for more than 150 sports and activities, our policies don’t cover bull running, but do cover white water rafting. Check before you buy that your flavour of adventure is covered and find out what policy upgrade options may be available.
- Baggage and personal belongings coverage: both our Standard and Explorer Plans offer cover for theft or accidental damage to your baggage and personal items. The level of cover available varies between the two policies, so check before you buy.
Traveller tip: if you’ve already arrived at your overseas holiday destination and you realise that 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 to purchase a policy.
What are the benefits of travel insurance?
Road tripping through a new country lets you explore at your own pace and gives you the freedom to stop along the way. Travel insurance for your road trip means that when things go wrong you have help at hand, for example:
- Sudden trip cancellations: if, after you buy your insurance, the New Zealand Government issues a ‘Do Not Travel’ warning to your destination country your policy can cover cancellation expenses. If severe weather or a natural disaster delays or cancels your trip, cancellation expenses may be covered. If your trip is cancelled because you’ve been kidnapped, or due to a hijacking, cancellation expenses may be covered if you have the Explorer Plan.
- Rental car insurance for vehicle damage: to get rental car insurance you’ll need the Explorer Plan and, also, the insurance offered by the car rental company. If you have an accident, the Explorer Plan will cover the rental vehicle insurance excess or the cost of repairing the vehicle (whichever is less). Or if the vehicle is damaged or stolen while in your custody the Explorer Plan may cover you.
- 24/7 emergency assistance: our team of trained staff is available to help with medical problems, including finding the nearest medical facility and, if required, arranging your evacuation home. The team is available 24/7.
- Road trip interruptions and delay: road trips can be interrupted for a range of reasons – the car breaks down, an accident involving you and/or your travel mates or missing connecting transport due to sudden illness or an accident. Our Explorer Plan may cover repair costs to the car (or the cost of the excess on the rental company’s policy).
- Stolen belongings and baggage: if your bags are stolen or accidentally damaged (including any souvenirs) our insurance can pay up to a certain limit. You have the option of upgrading for high-value items. Report any theft as soon as possible to the police and get a copy of the police report – and always keep receipts!
What’s not covered
Travel insurance isn’t designed to cover everything, so it’s important to understand what’s not included:
- Expenses where you don’t provide receipts or reports.
- Medical costs associated with an accident where drugs, alcohol or reckless behaviour are factors.
- Pre-existing conditions as explained in your Policy Document.
- If you’re road tripping in a rental and you don’t have a valid New Zealand driver’s license, our insurance won’t cover you.
- Expenses from driving specialised, customised or fancy/antique cars won’t be covered.
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.
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medication?
- Suddenly sick?
- Accidentally injured?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Hurt abroad?
- Medevac home?
- Need an ambulance?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when backpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
Whether you’re a backpacker aiming to head overseas to work a ski season, looking to study abroad for a semester, or simply taking a gap year, World Nomads can offer travel insurance coverage to help you in case the unexpected happens while exploring the globe.
While travelling overseas brings risk, you can consider managing that risk with travel insurance, so you know you’ll have help at hand if something goes wrong.
What’s covered when backpacking
The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer - that can be helpful when backpacking overseas.
Our Standard and Explorer plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or unwell, and for many other reasons.
World Nomads may offer cover for the following (up to the policy limits):
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses.
- Overseas emergency medical: exploring the world with a backpack can be great experience, but not if it ends in sickness or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while backpacking abroad.
- Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans.
- Delayed baggage: it can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo.
Traveller tip: if you’ve already arrived at your overseas holiday destination and 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 to purchase a policy.
Does my plan include cover for Coronavirus related events?
Living in a post-pandemic world is still a little worrying, so knowing what Coronavirus coverage you have is smart. If you test positive to Coronavirus after buying your policy the Explorer Plan will cover you for any non-refundable portion of your prepaid travel arrangements.
World Nomads’ travel insurance plans include cover for some Coronavirus-related events. You can read more about it in our Coronavirus cover article, which has all of the details, including terms, conditions, benefit limits and exclusions.
Note: don’t forget to keep all receipts and written reports to support your insurance claim.
Travel insurance tips for backpackers
- Rookie backpacker? Travel light and keep gear to a minimum. For example, instead of a standard towel, take a small microfibre towel which dries faster and takes up less space. Always keep your bags within sight. If your gear gets stolen or accidentally damaged while travelling having travel insurance may cover you so you can replace the important stuff.
- Free-spirited adventurer? Make sure you select the right policy for your adventure sport or activities. You need to know that running with the bulls in Pamplona is not covered but hiking, bungee jumping, and scuba diving are. Check our list of sports and activities (and avoid uninsured activities).
- Safety first: backpacking is about getting out of your comfort zone, trying new things and being spontaneous. However, you should know that your insurance will not cover you for any accidents that happen when drugs, alcohol or reckless behaviour are involved.
- Travelling on a tight budget? Who isn’t? Backpacking is great for the budget-conscious but knowing when to cut costs and when to spend is key. Travel insurance is a worthwhile expense. As a wise person once said, if you can’t afford travel insurance, you can’t afford to travel.
- Travelling long term? If you decide to travel a bit longer than your policy then you can usually extend your coverage, and you can buy while overseas, too.
- Adventurous backpacker? You may need to check which of the adventure sports you want to do is covered by our policies. For example, running with the bulls in Pamplona is not covered (and isn’t ethical anyway) but white-water rafting is covered.
- Working while travelling? There may be some cover for admin work but it’s unlikely that there will be cover for manual labour. An upgrade may be possible to cover work such as maintenance, cleaning or bartending.
What’s not covered
Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.
These include, but are not limited to:
- If you ignore government advice, such as a ‘Do Not Travel’ warning you won’t be covered for any costs that arise as a result.
- If you know you’re going to be in close contact (or can’t avoid close contact) with a case of Coronavirus during your trip, then we won’t pay costs associated with your own coronavirus diagnosis.
- If you can’t provide any written evidence of the incident or receipts for your expenses, you won’t be covered.
- If you don’t keep your gear safe and secure at all times.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies
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.
Some FAQs
-
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your Certificate of Insurance, check with us if your policy will extend to that country or region.
-
Can I extend my policy while still travelling?
Yes, it’s possible to extend your existing policy while still travelling and before its expiry date, for up to 12 months from the start date. Our Help center article on amending, extending, or cancelling a policy may also come in handy.
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)
A true claim story
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when backpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
A backpacking holiday is pure freedom – all your stuff in a single pack strapped to your back and the ability to go anywhere, do anything, and see everything. For many, this is a rite of passage, the first big independent holiday taken as an adult.
While travelling overseas brings risk, you can consider managing that risk with travel insurance, so you know you’ll have help at hand if something goes wrong.
What’s covered when backpacking
The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer – that provide coverage when backpacking overseas.
Our Standard and Explorer plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or unwell, if severe weather interrupts your plans, and for many other reasons.
World Nomads may offer cover for the following (up to the policy limits):
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses.
- Overseas emergency medical: exploring the world with a backpack can be great experience, but not if it ends in sickness or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while backpacking abroad.
- Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans.
- Delayed baggage: It can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo.
Traveller tip: if you’ve already arrived at your overseas holiday destination 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 to purchase a policy.
Does my plan include cover for Coronavirus-related events?
Living in a post-pandemic world is still a little worrying, so knowing what Coronavirus coverage you have is smart. If you test positive for Coronavirus after buying your policy, the Explorer Plan will cover you for any non-refundable portion of your prepaid travel arrangements.
World Nomads travel insurance plans include cover for some Coronavirus-related events. You can read more about it in our Coronavirus cover article, which has all of the details, including terms, conditions, benefit limits and exclusions.
Note: don’t forget to keep all receipts and written reports to support your insurance claim.
Travel insurance tips for backpackers
- Rookie backpacker? Travel light and keep gear to a minimum. For example, instead of a standard towel, take a small microfibre towel which dries faster and takes up less space. Always keep your bags in sight. If your gear gets stolen or accidentally damaged while travelling, having travel insurance may cover you so you can replace the important stuff.
- Free-spirited adventurer? Make sure you select the right policy for your adventure sport or activities. You need to know that running with the bulls in Pamplona is not covered but hiking and scuba diving are. Check our list of sports and activities (and avoid uninsured activities).
- Safety first: backpacking is about getting out of your comfort zone, trying new things and being spontaneous. However, you should know that your insurance will not cover you for any accidents that happen when drugs, alcohol or reckless behaviour are involved.
- Travelling on a tight budget? Who isn’t? Backpacking is great for the budget-conscious but knowing when to cut costs and when to spend is key. Travel insurance is a worthwhile expense. As a wise person once said, if you can’t afford travel insurance, you can’t afford to travel.
- Travelling long term? If you decide to travel a bit longer than your policy then you can usually extend your coverage, and you can buy while overseas, too.
- Adventurous backpacker? You may need to check which of the adventure sports you want to do is covered by our policies. For example, hiking over 6,000 metres is not covered, but white-water rafting and bungee jumping are covered.
- Working while travelling? There may be some cover for admin work but it’s unlikely that there will be cover for manual labour. An upgrade may be possible to cover work such as maintenance, cleaning or bartending.
What’s not covered
Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.
These include, but are not limited to:
- If you ignore government advice, such as a ‘Do Not Travel’ warning you won’t be covered for any costs that arise as a result.
- If you know you’re going to be in close contact (or can’t avoid close contact) with a case of Coronavirus during your trip then we won’t pay costs associated with your own coronavirus diagnosis.
- If you can’t provide any written evidence of the incident or receipts for your expenses, you won’t be covered.
- If you don’t keep your gear safe and secure at all times.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Some FAQs
-
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your Certificate of Insurance, check with us if your policy will extend to that country or region.
-
Can I extend my policy while still travelling?
Yes, it’s possible to extend your existing policy while still travelling and before its expiry date, for up to 12 months from the start date. Our Help center article on amending, extending, or cancelling a policy may also come in handy.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team