What Does Domestic Travel Insurance Cover?
Four travel benefits you shouldn't leave home without
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Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Brazil doesn’t mean that you won’t need backup if your travels take a turn for the worst.
World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road.
Why do I need travel insurance if I'm travelling domestically?
It doesn’t matter if you’re on a distant continent or in an adjacent state – you could sprain your ankle, get into a car accident, or get delayed by inclement weather just about anywhere. A good travel protection plan can help prevent any of these unexpected events from turning into full-blown disasters.
Benefits
Accidents and emergencies can happen in your own backyard – which is why it’s important to consider these four main benefits of domestic travel insurance.
- Unexpected trip cancellation: An illness of an immediate family member or a work emergency can cause you to cancel your trip, and World Nomads travel insurance can help you recover your pre-paid non-refundable trip costs for these and other covered reasons.
- Medical emergencies: Hospital bills and emergency office visits can really add up, especially when your health insurance won’t cover you out of state. These costs alone are a reason to purchase travel insurance for your domestic travels.
- Trip interruption: Sometimes you can hit a bump in the road – in a literal and figurative sense. Maybe the Brazilian government issued a ‘defer travel’ warning or maybe your travel companion got sick. This benefit covers meals, hotel stays and any other surprise expenses you could incur as a result of the setback.
- Medical evacuation and repatriation: Sometimes the best place to get medical treatment is at a hospital back home. Be sure to call the 24/7 Emergency Assistance team to get approval.
Exclusions
It is important that you read and understand your coverage. There are limits and exclusions that apply to all insured travellers.
- Alcohol- and drug- related incidents: There is no coverage for any alcohol-related sickness, death or injury or the abuse of medication, drugs or any other toxic substance.
- Any losses related to the participation in illegal activities: For example, if you get injured while looting a store during a riot.
- Select personal belongings, such as bicycles, professional equipment, and musical instruments.
- Travel supplier cancellations: If your airline or tour operator decides to cancel, you should seek refunds and credits or reschedule your trip directly with your supplier.
Why World Nomads travel insurance?
Along with the benefits above, World Nomads travel insurance also includes important assistance services and features such as:
- 24/7 Emergency Assistance team that can help you rebook flights, locate lost luggage, or replace stolen credit cards.
- Our global network of security experts are on call 24/7. You can consult them for safety advisories and evacuation assistance.
- Our adventure sports and activities coverage is part of our plans. Read our article on what adventure travel insurance covers.
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?
- Medevac 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 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 quote
Seguro Viagem Nacional
As coberturas e o serviço que você já conhece, agora também para viagens domésticas. Cobertura em todo o território brasileiro.
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Talvez sua próxima viagem não inclua cruzar um oceano ou embarcar em uma longa viagem de avião. Mas só porque você está viajando dentro do Brasil, isso não significa que você não precisará de apoio se algo der errado.
A cobertura da World Nomads para viagens domésticas começa quando você sai de sua casa e fornece proteção essencial contra uma ampla gama de contratempos que você pode encontrar na estrada.
Por que preciso de um seguro viagem se estou viajando em território nacional?
Não importa se você está em um continente distante ou em um estado adjacente – você pode torcer o tornozelo, sofrer um acidente de carro ou atrasar-se pelo mau tempo em qualquer lugar. Um bom plano de proteção de viagem pode ajudar a evitar que qualquer um desses eventos inesperados se transforme em um desastre.
Coberturas
Acidentes e emergências podem acontecer no seu próprio quintal – e é por isso que é importante considerar esses quatro principais benefícios do seguro viagem doméstico.
- Cancelamento de viagem: uma doença de um familiar imediato ou uma emergência de trabalho pode fazer com que você cancele sua viagem e o Seguro Viagem World Nomads pode ajudá-lo a recuperar algum de seus custos de viagem pré-pagos não reembolsáveis por esses e outros motivos cobertos.
- Emergências médicas: despesas hospitalares e as visitas ao pronto-socorro podem ser consideravelmente mais caras, especialmente quando seu plano de saúde não possui cobertura fora do estado que você mora. Esses custos, por si só, são um ótimo motivo para comprar um Seguro Viagem para suas aventuras pelo Brasil.
- Interrupção de viagem: Às vezes, você pode encontrar um obstáculo na estrada – no sentido literal e figurado. Talvez o governo brasileiro tenha emitido um alerta de perigo ou seu companheiro de viagem tenha ficado doente. Este benefício cobre refeições, estadias em hotéis e outras despesas surpresas que você possa ter durante a sua viagem em território nacional.
- Evacuação médica: Às vezes, o melhor lugar para receber tratamento médico é em um hospital pertinho de casa. Certifique-se de ligar para a equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, para obter mais informações e as devidas aprovações.
Exclusões
É importante que você leia e entenda sua cobertura. Existem limites e exclusões que se aplicam a todos os viajantes segurados.
- Incidentes relacionados com álcool e drogas: Não há cobertura para qualquer doença, morte ou lesão relacionada ao álcool ou abuso de medicamentos, drogas ou qualquer outra substância tóxica.
- Quaisquer perdas relacionadas à participação em atividades ilegais: Por exemplo, se você se machucar ao saquear uma loja durante um tumulto ou manifestações.
- Pertences pessoais: Por exemplo, bicicletas, equipamentos profissionais e instrumentos musicais.
- Cancelamentos por parte de fornecedores de viagens: Se a companhia aérea ou operadora de turismo decidir cancelar sua viagem, você deve solicitar reembolsos e créditos ou remarcar sua viagem diretamente com seu fornecedor.
Este é apenas um resumo da cobertura e não inclui todos os termos e condições da apólice. É importante que você leia e entenda sua apólice, pois ela contém benefícios, condições, exclusões e exclusões de condições pré-existentes. Se você não entender sua cobertura ou se tiver dúvidas, basta nos perguntar.
Por que comprar o Seguro Viagem da World Nomads?
Além dos benefícios acima, o Seguro Viagem World Nomads também inclui importantes serviços e recursos de assistência, como:
-
Equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, que pode ajudar você a remarcar voos, localizar bagagem perdida ou substituir cartões de crédito roubados.
-
Nossa rede global de especialistas em segurança está disponível 24 horas por dia, 7 dias por semana. Você pode consultá-los para obter dicas de segurança e assistência paraevacuação.
-
A cobertura de diversos esportes e atividades de aventura faz parte de todos os nossos planos. Leia o artigo com mais detalhes sobre nossa cobertura de esportes e atividades de aventura.
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 cotaçãoWhat to do if you have to cancel your trip due to illness or injury
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- Rearrange or cancel your bookings straight away
- Provide all written documents
- Don’t forget your receipts
- Cover for some COVID-19-related events
- Need to know more?
- What does my travel insurance cover?
1. Rearrange or cancel your bookings straight away
If you’re injured or get ill during your overseas holiday, ask your treating doctor to give you a report or medical certificate stating your diagnosis and period that you will be unfit for travel. Then contact the airlines and hotels with whom you have bookings as soon as reasonably possible. Try to make alternative arrangements for when you’ll be fit to resume your holiday.
If your doctor believes there is no option but to cancel your holiday and return home, then you may be covered for any of your previously paid, non-refundable expenses. However, if you are only unfit for a brief period, then your expenses may only be covered for the time stated on your medical certificate, not for the remainder of your holiday.
Don’t leave it to the last minute to cancel or rearrange your hotel or airline bookings as this may lead to additional costs. If you delay notifying these organisations, then your claim for expenses may not be approved.
Any cover offered for accommodation and flights will only be made up to the maximum benefit limits stated in your PDS. That’s why it’s important to read through your policy so that you know the applicable terms, limits, exclusions, and benefits.
2. Provide all written documents
To submit a claim for expenses, you’ll need to submit all the medical reports related to your illness or injury, as well as general correspondence regarding your cancellations. Examples of reports you’ll need to provide include:
- The treating doctor’s report or medical certificate must state the diagnosis, date of injury or when you first noticed the symptoms of your illness, and period that you’ll be unfit to travel.
- The specialist’s report and other medical reports including any medical imaging and pathology reports.
- A hospital admission report confirming the dates that you were admitted and discharged.
- Emergency medical transport reports if you were taken to hospital by an ambulance or helicopter.
- Police report (if the police were called to the scene of your accident).
- Emails or letters from hotels or airlines regarding your cancellations.
- Your itinerary.
3. Don’t forget your receipts
If you cannot provide receipts for your accommodation, flights, and treatment expenses, then your claim may be dismissed, or any payment that you do receive might only be for a minimal amount. Types of receipts that you’ll need to provide include the following:
- Receipts for doctor’s consultations, hospital stays, medical imaging tests, and consultations with any allied health providers.
- Pharmaceutical products.
- Accommodation, flights, train or bus journeys.
4. Cover for some COVID-19-related events
If you or one of your travelling companions’ contracts Coronavirus (COVID-19) during your overseas holiday, and have to cancel the rest of your trip, then your pre-paid, non-refundable travel expenses may be covered if you have selected the Explorer Plan.
You’ll need to ask your treating doctor for a report stating the diagnosis of COVID-19, as well as a pathology report or public health statement indicating a positive COVID-19 result.
If you are diagnosed with COVID-19 within the 72-hour waiting period after being issued with your Certificate of Insurance, then your non-refundable travel expenses may not be covered.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover varies between plans.
5. Need to know more?
This information may help if things go wrong and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your PDS will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
What does my travel insurance cover?
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 a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Travel Insurance when visiting Croatia
Always exciting and beautiful, Croatia has enjoyed a surge in tourism in the last decade, especially in the summer. Croatia has incredible national parks, such as those in Krka and Northern Velebit, a vibrant capital, Zagreb, and picturesque beaches on the Adriatic coast.
- Lost, stolen or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our 24/7 Emergency Assistance Team
- Cover for activities and sports when in Croatia
- Are you looking for more travel inspiration for Croatia?
While you dream of exploring the popular TV show locations in Dubrovnik, take in the bustling restaurants and bars of Split, or delve into the history and museums located in Zadar, you may want to consider some travel insurance for any unexpected events that may occur.
Lost, stolen or delayed baggage cover
It can throw a spanner in the works to arrive in Zagreb and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. If you're bags get lost in transit, or are stolen or damaged along the way, baggage insurance may be able to help.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
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 realized 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 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 your country of residence and 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 to Croatia, travel insurance may help if you become unwell or have an accident, especially in these uncertain times of traveling and dealing with Coronavirus (COVID-19). 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 your country of residence.
With Coronavirus causing travel disruptions globally, it’s also important that you follow any government guidelines while in Croatia. It’s always a good idea to wear a face mask when visiting any of Croatia’s popular hotspots.
The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. 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
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, need help with a foreign language, 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 Croatia
If you’re looking to get your adrenaline levels up and you go hiking, backpacking, or rock climbing in one of Croatia’s eight incredible National parks, 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.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
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.
Are you looking for more travel inspiration for Croatia?
World Nomads has various articles that cover a range of fun topics on Croatia, such as 7 places in Croatia you haven’t heard of , 7 safety tips for travel around Croatia, and the latest travel alerts for Croatia.
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, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a 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.
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), jewelry, 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.
Traveler Tip 2: undetonated landmines from the Croatian War of Independence in the 1990s are littered throughout some mountains and woodland areas, so it’s best to stick to the commonly used hiking trails.
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 for a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
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Currently there is no content for US residents visiting this destination. To ensure Germany is covered head over to World Nomads USA and get an instant travel insurance quote.
Whatever your plans are when jetting off to Germany, World Nomads travel insurance may be able to help keep your plans on track when you need it the most - you might be planning a family camping trip in East Bavaria, going solo on a summer trip to Rugen Island, or maybe mountain biking with your travel buddy at Bikepark Winterberg.
- What's covered
- Getting adventure sports coverage
- Support for medical emergencies
- Road safety on the Autobahn and in general
- Keep an eye on your gear 24/7
- What's not covered
What's covered
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around Germany.
World Nomads offers cover for many activities ranging from mountain biking to skiing, surfing, kayaking and scuba diving. All our plans offer cover for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Lost or delayed baggage
- Travel delay/interruption
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Getting adventure sports coverage
World Nomads can support you on a variety of outdoor adventures, with coverage for more than 150 activities and sports. You may need to compare the Standard or Explorer plans to see which activity levels are covered on each plan. Depending on your country of residence, you may need to add activities to your policy for an additional fee.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: your treks may only be covered up to a certain elevation, or your scuba dives only to a certain depth.
Please check your policy for any exclusions, such as search and rescue missions and professional sports.
Support for medical emergencies
Germany is one of Europe’s most-visited adventure travel destinations and with that comes the possibility that you may be injured or worse. Your travel insurance can back you up if you’re injured or fall ill and need urgent medical assistance.
Our 24/7 Emergency Assistance Team can get you help on the ground when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
Get in touch with the team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Road safety on the Autobahn and in general
Road conditions can be tricky in Germany, especially if you’re planning a long road trip on the Autobahn. For example, Germany’s legendary Fairy Tale Route ("Märchenstraße") stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea.
Some of our plans have damage collision waiver coverage for rental cars, depending on your country of residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for your claim.
In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help during an emergency if you’re having trouble with a language you don’t know.
Keep an eye on your gear 24/7
While Germany is considered a safe tourist destination, you should always be aware that petty thieves and pickpockets are attracted to big tourist hotpots. When in crowded areas in any German city always maintain a sense of awareness of your surroundings.
It’s very important that you NEVER leave your valuables out of sight. If you're after travel insurance cover for tech gear or need extra cover just in case your bags are delayed or stolen then World Nomads has options for you to keep those prized possessions insured.
Ready to go to Germany but need more information?
Before you pack your bags, read our articles on adventure in Germany, how to survive German Autobahn’s and bikes like a Pro, and our latest travel safety alerts for Germany.
What's not covered
Here are some of the things we don't provide cover for:
- 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’ or ‘Avoid Essential Travel’ warning issued by your Country of Residence.
- Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
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.
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, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a 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.
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 France
What you should consider when buying travel insurance for a trip to France.
- As featured in:
As featured in:
Steeped in cultural icons, surrounded by some of the world’s best mountains and coastlines, and with more delicious cheese and wine than you could ever want, it’s understandable why France is high on many traveler’s itineraries.
- What’s covered
- Should I consider travel insurance for a trip to France?
- What to look out for when traveling around France
- What’s not covered
- Tips for traveling in France
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.
- 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.
- 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.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water 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 all of the details, including benefit limits, terms and conditions, and exclusions.
Please note that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Should I consider travel insurance for a trip to France?
France is Europe’s 3rd largest country, which means there is a lot to see and do. In most cases, traveling goes without a hitch, but considering the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Families
Traveling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.
Multi-Destination Trips
If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
If you’re traveling to multiple European countries, World Nomads can help with:
- Translation and interpreting services in case of an emergency
- Physician referrals
- Pre-trip information
Summer Adventures
You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the mountains of Chamonix, road trips in Provence, kayaking & rafting and even sailing the Cote D’Azur.
We offer two plans 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 has lower coverage limits.
- The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.
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 Policy Wording for details or contact us.
Winter Travel
From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between snowboard sessions in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports activities, medical emergencies and even extended stays if you are enjoying your winter escape to France too much.
What to look out for when traveling around France
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. 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 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.
- Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. 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.
- Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. 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 travel.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 where you fail to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
Note: be sure to read the Policy Wording, terms, conditions 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.
Tips for traveling in France
- Always check the Visa requirements – depending on your Country of Residence you may require a Visa to visit France or any of the other Schengen countries.
- Pack light – especialy if you’ll be traveling around France using public transport.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre 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.
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?
- 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?
- Medevac 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 when rock climbing
Be prepared for your next rock climb with flexible travel insurance coverage.
- As featured in:
As featured in:
Travel insurance when rock climbing
If you feel like you need a bigger adventure that delivers more thrills than lying on a beach sunbaking, then rock climbing could be just what you need on your next trip.
Whether you're eyeing off a top indoor facility in Europe or preparing to tackle Spain's Costa Blanca, it pays to check the weather and travel restrictions, pack a map along with some courage and consider travel insurance – as fun as climbing is, it requires a lot of planning as the risks are evident.
- What's covered?
- How to get the most of your insurance if you're planning on rock climbing
- Will I be covered for helicopter evacuation and rescue?
- What to look out for when rock climbing
- Rock climbing travel insurance tips:
- What's not covered?
What's covered?
No matter your skill level – whether you're a pro determined to conquer your next peak or an amateur with the full gamut of climbing options in your sights – World Nomads may offer cover for the following (up to the policy limits):
- Overseas emergency medical expenses for sudden injury or illness.
- Emergency medical evacuation or repatriation back to your country of residence.
- Loss, theft or damage to baggage or personal items. It's important to keep copies of your original receipts if you need to make a claim.
- The non-refundable costs of cancelling a trip due to sudden injury or illness.
- The Explorer Plan includes cover for official 'Do Not Travel' advice issued for your destination after you've received your Certificate of Insurance, which requires you to cancel your trip.
- Checked-in baggage delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while you wait.
- Cover for some Coronavirus (COVID-19)-related events. To find out more about our cover for COVID-19 related events, including benefit limits and exclusions, click here.
How to get the most of your insurance if you're planning on rock climbing
Safety is key to conquering new heights, no matter the destination – Europe, Australia, the United States, and every rugged landscape in between.
As daring as climbers are, falling rocks, unexpected changes in weather conditions, and equipment malfunctions are just some of the challenges faced.
Our Standard and Explorer plans are designed to provide cover for sudden and unforeseen events on your next adventure, such as being left empty-handed when the airline loses your baggage (with your gear in it), if you need to see a doctor if you are hurt or unwell or if severe weather interrupts your plans.
As a climber, there are different travel insurance requirements depending on the type of activity you are planning to undertake. While bouldering is automatically covered (special exclusions apply), when it comes to indoor and outdoor rock climbing and mountaineering increased cover is required, which means an additional premium. In some cases, there are height limits, and soloing is prohibited.
Will I be covered for helicopter evacuation and rescue?
As a rock climber, you'll often find yourself in locations that will be only accessible by helicopter. Depending on your Country of Residence and the plan you’ve selected, if you found yourself in an emergency and need to be evacuated or transported to the nearest medical facility or back to your Country of Residence, your helicopter rescue or air ambulance may be covered by travel insurance.
Please be aware of the following:
- When we determine you're medically fit to travel, we may decide to either transport you to other medical care facilities; and/or repatriate you to your Country of Residence if you’re declared medically unfit to continue your trip.
- You, your guide or travelling companion must advise our 24/7 Emergency Assistance Team and your Private Medical Insurer of the situation as soon as reasonably possible to confirm cover, manage costs and any potential claim.
Travel insurance tip: your cover will depend on the activities you chose at the time of policy purchase and terms and conditions apply for each activity. Level 1 sports and activities are automatically covered on the Standard and Explorer plans. You can upgrade your cover for a range of other activities, experiences, and manual work if you select the activities (listed as Level 2, 3 and 4) but you'll need an upgrade to the Explorer Plan.
What to look out for when rock climbing
Preparation and planning are key when activities such as rock climbing are involved. Whichever peak or wall you have in your sights it pays to be versed on the conditions, have the level of fitness required, and ensure that you don't have any pre-existing medical condition that could be aggravated and cause further injury.
While we don't like to think about what can go wrong, these scenarios are often all too common:
- Think about what you'd do if your helmet, ropes, or camera are stolen.
- You arrive at your destination only to realize your climbing gear hasn't arrived and is going to be delayed more than 24 hours.
- Your flight is delayed or cancelled, and you miss a climb you pre-booked and paid for months ago.
- You’ve booked your insurance and you injure yourself or fall ill a week out from your trip and are forced to cancel.
- Our policies provide benefits that may assist with these challenges. Our Standard Plan include a range of benefits including overseas medical, personal belongings cover, pre-trip cancellation and certain adventure activities, while the Explorer Plan has all the benefits of the Standard cover and a few more, and it's slightly more expensive.
Rock climbing travel insurance tips:
- Inform a local assistance company and your family of your rock-climbing location and trekking route and policy details.
- Make sure to use a qualified tour guide if you're rock climbing as part of a group.
- Make sure all your gear is working correctly and always keep them nearby to avoid theft.
- Check which countries your rock-climbing trip passes through to ensure your policy covers you for that region.
- For the intrepid rock climber, be aware a higher policy excess applies if you need to be medically evacuated within Nepal.
- Make sure that you've selected the right travel insurance plan for your specific needs. Get a quote online anytime, anywhere.
What's not covered?
While there are several situations we can cover you for, there are also some we just won't cover. These include, but are not limited to:
- Any pre-existing medical conditions, as outlined in the policy wording.
- Unattended baggage or personal items.
- Working or participating professionally in any activity or sport.
- Any search or rescue operations to remove you from a life-threatening situation (unless cover is available for a natural catastrophe under your policy).
- Failure to adhere to local government authority warnings.
- Ignoring 'Do Not Travel' warnings from your local government.
- Damage from any illegal activity.
- Expenses that are recoverable from elsewhere, e.g. transport carriers or accommodation providers.
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.
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 team
