Travel Insurance for a trip to Africa
The African continent is ready for adventure.Check out these travel insurance tips so you can push your exploration to the limit.
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Known as the cradle of civilization, Africa has a winning combination of culture and nature, with urban art galleries, traditional art and diverse cultures, as well as jaw-dropping natural wonders, including 19,341-ft-high (5,895 meters)ice-capped Mount Kilimanjaro, the mountain jungles of Rwanda and the chance to see lions, elephants, cheetahs and more.
But as with any safari in the African bush, it helps to have a professional to guide you. World Nomads is here to assist, with travel insurance tips to keep in mind as you explore this diverse and fascinating continent… BYO binoculars!
Medical emergencies
Soaring over the Masai Mara grasslands in a hot-air balloon or walking over the Victoria Falls knife-edge bridge are unforgettable thrills, but they’re not exactly risk-free. A stubbed toe or a bout of malaria can feel worse when it happens in a remote place – such as a far-flung water hole, or a small village.
If you’re a World Nomads policy holder, you’ll have support from a team of like-minded people who know what it’s like to be an independent traveler. Your policy can help cover emergency accidents and illness when the worst happens (like a twisted ankle that stops your walking safari through Botswana’s Okavango Delta in its tracks). You also have access to our 24/7 Emergency Assistance Team, which could come in handy when you need to translate your Ugandan doctor’s advice or find the nearest quality hospital. If you’ve had an accident and need help, follow our guide on what to do.
Trip cancellation for terrorist incidents
Unfortunately, no place is immune to terrorist activity. Governments across the globe have their eye on some parts of Africa as hotbeds of terrorist activity. The U.S. State Department is warning visitors not to travel to some regions due to terrorism.
When you have a World Nomads policy and one of these events takes place in your destination within 30 days of your departure date, you may be able to make a claim if you need to cancel your trip up to the benefit limits.
Keep in mind that all our plans are different, depending on your Country of Residence and the plan you've selected. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan for your trip. If you have any questions about your cover, you can contact us.
Weather-related trip delay, trip interruption and trip cancellation coverage
Not-so-fun fact: weather patterns across Africa can range from the unusual (such as the snowstorms in South Africa that had elephants, giraffes, and rhinos wandering in a de-facto snow globe) to the downright dangerous (monsoons and whipping winds in equatorial areas).
At its best, such extreme weather can lead to unexpected days indoors spent hunkering down at your lodge. At its worst, you could endure safety concerns, delayed tours or canceled flights. If you have a World Nomads policy, you can breathe a little easier knowing you may have some trip cancellation, trip interruption or trip delay coverage for some of these situations, depending on your Country of Residence and the policy you’ve chosen. Read your policy for more details on cover for natural disaster. You can always contact us if you have any questions.
Carjacking, pickpocketing and other crimes
Be sure to check for your government’s travel advisories regarding advice for traveling to Africa or to reconsider visiting parts of Africa that are currently experiencing civil unrest, violent crime and kidnapping.
If you are robbed during your travels, you may be reimbursed the loss of your belongings up to your depreciated value, depending on your Country of Residence and plan chosen. Don’t forget to keep your police report and make a copy to submit with your claim. Keep in mind that cash, currency and credit cards aren’t replaceable, so you’ll want to only carry what you need for the day (enough for some sugary South African fried koeksisters, for example).
Now, with these tips in mind, the only thing you need to worry about is making sure your safari guides have your favorite tipples in the jeep for your sundowner. If you haven’t organised travel insurance for your African Odyssey yet, get an online quote 24/7.
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
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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?
- 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
- Hurt abroad?
- Need to get to 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
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
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 the Caribbean
Essential travel insurance tips
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Your Caribbean adventure could be trekking through rainforests in Dominica or taking a splash in the waters of Aruba. With its countless island destinations, Irish travellers will have the time of their lives when they visit the Caribbean. You may like to consider purchasing travel insurance first just in case your island adventure takes a turn for the worst.
What’s Covered
World Nomads offer travel insurance for Irish travellers who can choose between the Standard Plan and Explorer Plan as they both offer different levels of cover.
The following is a brief list of what we cover. Each policy has different conditions and limits, please check your policy wording for a thorough list of what is and is not covered.
Overseas emergency medical: cover is offered for hospitalisation (both inpatient and outpatient), as well as treatment at medical centres in the place where you are staying. You must notify our 24/7 Emergency Assistance Team in the first instance. They will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky) and monitor your medical treatments if needed to make sure you are given proper care.
Overseas emergency dental: must relate to an injury that you sustain on your overseas trip. There is no cover for routine treatment such as regular dental cleans or check-ups.
Baggage cover: if your baggage or personal belongings are lost or damaged during your trip, then you may claim for these. However, claims without supporting documentation such as police reports and receipts may not be covered. Benefit limits, conditions and exclusions apply.
Extended stays: if you decide to lengthen your overseas holiday, you may extend your travel insurance up to a maximum of 12 months past the start date listed on your Certificate of Insurance.
Medical evacuation and repatriation: we offer emergency medical transport and repatriation back to Ireland if medically necessary and authorised by our emergency medical assistance team.
Cover for Coronavirus-related events: Irish travellers may be covered for their non-refundable travel expenses if they are forced to cancel their holiday plans due to a Coronavirus diagnosis. For more information, please read our Coronavirus cover article, which includes all the details, including benefit limits, conditions, and exclusions.
How to get the most out of your insurance when visiting the Caribbean
We recognise that you may have different activities and experiences in mind for your overseas adventures.
Our Standard Plan provides cover for all the main risks facing overseas travellers such as illness, injuries, and theft. While the Explorer Plan offers everything that the Standard Plan does, the benefit limits and/or sub-limits are higher, and a wider range of activities are included.
For instance, if you wanted to go Scuba diving in the crystal-clear waters of the Caribbean, then you might want to check out all the different levels of coverage that we offer, and to find out what conditions or exclusions apply for this underwater activity.
Though both our Standard and Explorer plans include benefits for Scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth. Be sure to check your policy for exclusions, such as search-and-rescue missions.
Besides Scuba diving, World Nomads offers cover for 150+ adventure activities including:
- Surfing.
- Hiking.
- Backpacking.
- Kayaking.
- Sandboarding.
- Snorkelling.
If your favourite sport isn’t on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
What to look out for when travelling around the Caribbean
Like all holiday destinations, there are certain dangers that can present a challenge for anybody travelling through the Caribbean. Check your policy for all the conditions and exclusions associated with the following risks:
Extreme weather: this island region is sometimes struck by fierce storms that damage hotels and disrupt lines of transport.
Travel insurance tip: if your booked accommodation becomes uninhabitable due to extreme weather conditions, you may be eligible to claim for alternative accommodation and transport expenses up to the policy limit (Explorer Plan).
Crime: thieves are known to prey on unsuspecting tourists whose bags may be snatched from them in street mugging incidents or sneakily taken whilst their attention is diverted elsewhere.
Travel insurance tip: if you are the victim of a theft, you must obtain a written police report as soon as you can. Where possible, provide witness details along with any photographs, comply with all the conditions of any issuing body and provide receipts for all costs incurred, or we will not pay for any claim you make.
What’s not covered
Below is a brief list of what we do not cover. Please check your policy wording for a full list of benefit limits, exclusions, as well as the terms and conditions.
- Pre-existing conditions as explained in your policy.
- Treatment that you had been having in Ireland, before travelling to the Caribbean.
- Unattended luggage and other personal items that are damaged, lost or stolen.
- Expenses that other organisations such as hotels or transport companies are responsible for paying.
- If you are under the influence of alcohol or drugs.
- Failing to comply with official organisations and our 24/7 Emergency Assistance Team to repatriate you back to Ireland.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport 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 the Caribbean
Essential travel insurance tips
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Why spend your next holiday on the couch doing Sudoku puzzles, when you could be sipping cocktails watching the sun go down in Jamaica or Puerto Rico? With countless island destinations to choose from, you can explore the Caribbean’s verdant rainforests and white sand beaches.
Before you book your flight for this popular holiday destination, you might want to consider buying travel insurance first.
What’s covered?
For all the beauty in the Caribbean, there is also the possibility of running into unexpected trouble. The following are some examples of how travel insurance can help if the unexpected happens to you:
Overseas emergency medical: if you become sick or are injured then your travel insurance may cover your treatment, hospitalisation, and medication expenses. However, you must notify our 24/7 Emergency Medical Assistance Team as soon as reasonably possible, when you are aware you will be admitted as an inpatient for at least one night. They will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care could be tricky) and monitor your medical treatments if needed to make sure you are given proper care.
Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Medical Assistance Team first.
Medical repatriation: we offer emergency medical repatriation back to the UK if medically necessary and authorised by our emergency medical assistance team.
Baggage cover: if your bags or other personal items are stolen, delayed, or go missing during your holiday, report the incident to the local police and get a Loss Report from them, as you’ll need to include this as supporting evidence, along with your receipts for these items, when submitting your claim. Benefit limits, conditions and exclusions apply.
Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in the Caribbean. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy (Single Trip only).
Cover for Coronavirus-related events: British travellers may be covered for medically necessary expenses if they get Coronavirus in the Caribbean.
How to get the most out of your insurance when visiting the Caribbean
The policy that you ultimately choose should depend on what type of Caribbean holiday you are planning to have. World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan.
Both plans offer travel insurance essentials such as trip cancellation cover, baggage cover and emergency medical evacuation cover. However, the Explorer Plan offers higher benefit limits and/or sub-limits than the Standard Plan, as well as cover for a wider range of activities.
For example, if you plan to go hiking in the mountains of St Lucia, then you might want to check out our different levels of cover for hiking in case you are injured. World Nomads offers different levels of cover for hiking depending on the altitude, these include:
- 3,000 metres (Level 1).
- 4,500 metres (Level 2).
- 6,000 metres (Level 4).
Note: make sure you check your policy for specific exclusions, such as search-and-rescue missions.
Besides hiking, World Nomads offers cover for 150+ adventure activities including:
- Surfing.
- Scuba diving.
- Kayaking.
- Sandboarding.
- Snorkelling.
If your favourite sport isn’t on the list, get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
What to look out for when travelling around the Caribbean
Here are some common problems that travellers can encounter when visiting the region:
Extreme weather: well known as a sun-drenched paradise with a year-round warm climate, the Caribbean Islands are occasionally lashed by powerful tropical storms that wreak widespread destruction.
Travel insurance tip: if a hurricane, flood, or another natural disaster damages the hotel or hostel that you are booked to stay at, then you may be covered for additional accommodation expenses with an alternative at the same destination up to the policy limit. (Explorer Plan).
Crime: travellers to the Caribbean are sometimes the targets of bag snatchings and other types of crimes, both petty and more serious.
Travel insurance tip: if you are the victim of a theft, you must obtain a written police report within 24 hours. Where possible, provide witness details along with any photographs, comply with all conditions of any issuing body and provide receipts for all costs incurred, or we will not pay for any claim you make.
What’s not covered?
Below is a brief list of what we do not cover. Please check your policy wording for a full list of benefit limits, exclusions, as well as the terms and conditions.
- Any pre-existing conditions, unless otherwise stated in your policy;
- Travelling to or staying in a country that the British Government has issued a public directive instructing travellers to avoid all travel;
- Being under the influence of alcohol or any illegal substances;
- If you are acting in an irresponsible manner or not complying with local laws;
- Disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team;
- Stolen, lost or damaged personal belongings that were left unattended.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport 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 visiting the Caribbean
Essential travel insurance tips
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As featured in:
The Caribbean, with its many island destinations such as Jamaica, St Lucia, and the Dominican Republic, has always been a mecca for international travelers who dream of escaping chilly climates and their frantic way of life. If you’re planning a trip to this unique part of the globe, considering travel insurance can provide support if your Caribbean holiday suddenly goes awry.
What’s covered
World Nomads travel insurance provides cover for illness, injury, or damage to your personal belongings. Depending on your Country of Residence and the plan you have selected, you may be covered for:
Overseas emergency medical: if you’ve had an injury or need urgent medical attention and require a medical centre or hospital, you must contact our 24/7 Emergency Assistance Team in the first instance. They will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky) and monitor your medical treatments if needed to make sure you’re given proper care.
Medical evacuation and repatriation: we offer emergency medical transport and repatriation back to your Country of Residence if medically necessary and authorised by our emergency medical assistance team.
Baggage cover: if your baggage or other personal belongings are lost or damaged during your trip, then you may claim for these. However, claims without supporting documentation such as police reports and receipts may not be covered. Benefit limits, conditions and exclusions apply.
Extended stays: if you are having way too much fun on your Caribbean holiday and choose to stay longer, you may also extend your travel insurance for a maximum of one year past the start date of your policy.
Coverage for some Coronavirus (COVID-19) related events: if you are forced to cancel your holiday plans due to being diagnosed as having Coronavirus by your treating doctor, then you may claim for any non-refundable travel expenses. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.
How to get the most out of your insurance when visiting the Caribbean
The two travel insurance plans that we offer are the Standard Plan and the Explorer Plan. Both offer cover for injuries, illness, trip cancellation expenses and theft. However, the Explorer Plan offers higher benefit limits and/or sub-limits than the Standard Plan and cover for a wider selection of activities.
For example, if you plan to go Scuba diving in the turquoise waters of the Caribbean, then you might want to consider our levels of coverage for Scuba diving in case you are involved in a Scuba diving accident.
Though both our Standard and Explorer plans include benefits for Scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth. Be sure to check your policy for exclusions, such as unguided dives or search-and-rescue missions.
Besides Scuba diving, World Nomads offers cover for 150+ adventure activities including:
- Surfing.
- Hiking.
- Backpacking.
- Kayaking.
- Sandboarding.
- Snorkelling.
If your favorite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
What to look out for when traveling around the Caribbean
The Caribbean is a tropical playground where travelers from all over the world gravitate to enjoy the lush wilderness, white sand beaches and laid-back vibes. However, getting sick or injured could prove to be very costly, you may want to consider purchasing travel insurance before you go.
Here are some common problems that travelers can encounter when visiting the region:
Extreme weather: well known for being a sun-drenched paradise with year-round warm climates, the Caribbean Islands are occasionally lashed by powerful tropical storms that wreak widespread destruction.
Travel insurance tip: if your hotel is damaged by a natural catastrophe, you may be covered for transport expenses as well as accommodation in a different hotel up to the policy limit.
Theft: thieves are known to prey on unsuspecting tourists whose bags may be snatched from them in street mugging incidents or sneakily taken whilst their attention is diverted elsewhere.
Travel insurance tip: if any of your belongings are stolen, you must obtain a written police report as soon as you can. Where possible, provide witness details as well as photographs, comply with all conditions of any issuing body and provide receipts for all costs incurred, or we will not pay for any claim that you make.
What’s not covered?
Below is a brief list of what we do not cover. Please check your policy wording for a full list of benefit limits, exclusions as well as the terms and conditions.
- Pre-existing medical conditions as explained in the policy wording.
- Any medical treatment, medication, or hospitalization for a non-urgent condition. Examples could include cosmetic surgery, general check-ups, or other elective surgeries.
- Theft, damage, or loss of items that were unattended.
- Expenses that other organisations, including hotels and airlines are liable for.
- If you were breaking the law or acting in a careless manner.
- Failing to comply with official organisations and our 24/7 Emergency Assistance Team to repatriate you back to your country of residence.
- Traveling to or staying in a country that the government in your country of residence has declared an official travel ban on or warned against non-essential travel.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport 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 teamSailing Travel Insurance Coverage
US Residents can sail with confidence with travel insurance protection
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At a glance:
- All World Nomads plans cover sailing, with some plans that offer higher limits of coverage.
- Coverage for injuries if you're seriously hurt while sailing. Transportation if your condition is severe, acute, or life-threatening and adequate treatment if not available in your immediate area. Additional terms apply.
- Gear & Baggage Protection helps cover lost, stolen, or damaged sailing gear and luggage.
- Choose from Standard, Explorer, Epic or Annual plans to match your sailing trip style, budget and activities.
- Plus, optional Cancel for Any Reason upgrade available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance for my sailing trip?
- Sailing travel insurance benefits
- Plan levels for sailing trips
- What's not covered
- Top safety tips we recommend for your sailing trip
- FAQs
Whether you're planning to sail the crystal waters of the Galapagos Islands or keep pace with bottlenose dolphins along the Fumba Peninsula in Zanzibar, you're guaranteed an ocean adventure when you set sail on the open waters. But whenever you're surrounded by water, you should be prepared for the unexpected. Our travel protection plans include a range of travel insurance benefits and non-insurance services for sailing that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my sailing trip?
From wet decks to choppy seas, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for sailing may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're navigating the storied inlets of the French Riviera or the British Virgin Islands.
Travel insurance and non-insurance services for sailing: What may be covered?
World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the water. Plans may include:
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a slip on a wet deck -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen sailing gear, or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from setting sail.
Get a quote and compare the plans to see which level of coverage is right for you.
What level of travel insurance coverage do I need for my sailing trip?
World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go sailing, you’ll probably be doing other fun things like snorkeling or swimming. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences.
- The Standard and Annual plans include travel insurance coverage for incidents while sailing.
- The Explorer plan covers more activities, including shark cage diving to 165 feet/50 meters and free diving up to 196 feet/60 meters. It also has higher limits of coverage for most benefits.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cliff diving and deep-water soloing. It also has the highest benefit limits of coverage.
Get 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
What may not be covered when sailing?
Some things we may not cover include:
- Sailing under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Sailing or traveling within 100 miles of your home
- Damage to your sailboat
- Sailing in a competition or for salary/compensation
Top safety tips we recommend for your sailing trip
- Research your tour operator: If you’re going on a sailing excursion, research the tour company’s credentials ahead of time.
- Take a boating safety class: If you’ll be the one at the helm, take the time to learn as much as you can before hitting the water. There are several boating safety courses that are recommended by the U.S. Coast Guard.
- Check the weather: Before you leave, you’ll want to make sure there aren’t any storms headed your way. Weather conditions can change rapidly, so continue to monitor the weather once you’ve hit the high seas.
- Put on a life jacket: Think less about your tan lines, and more about your safety. Rough water can happen at any time, and you won’t have time to grab that if you unexpectedly go overboard.
- Wear the right shoes: Look for shoes with good traction and a non-slip sole. If your shoes are also made from water resistant material, that’s even better.
- Get a good dry bag to hold a copy of the documents showing your sailing travel insurance coverage and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance Emergency Assistance Team easily accessible, as well as your plan number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for sailing. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can sailing be covered under World Nomads Travel Insurance?
Yes, sailing may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while sailing abroad?
If your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable sailing tours that you paid for in advance. If you slip and fall on the deck and you require medical assistance, emergency medical expense coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a sailing excursion, you’ll need to buy your insurance at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for sailing outside of the United States?
Yes, there are so many great places to sail around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for the Caribbean, you may have the opportunity to sail around several picturesque destinations like the Bahamas or Jamaica. When you get a quote for travel insurance and non-insurance services for sailing, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while sailing?
If you get hurt while sailing, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance Team is also included for support anytime, anywhere.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for your sailing adventure, you could be covered for more than 250+ other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, sailing tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add optional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for sailing, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next sailing trip?
Not sure where your next sailing adventure should take you? Check out some of our favorite places around the world to sail and get destination-specific travel insurance tips to help you plan with confidence.
Trinidad & Tobago Discoveries: Sailing the Caribbean
Kauai: 4 Adventures That Will Get You Off Your Beach Chair
20250730-4701181. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.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
- Work emergency?
- 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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 sailing
Don’t let an accident take the wind out of your sails.
- As featured in:
As featured in:
When you’re sailing, you can navigate the storied inlets of the French Riviera or British Virgin Islands, using the wind as your guide.
Along with your boat shoes, boating license and guide to nautical terminology, it’s worth considering bringing travel insurance onboard. Having it in your (waterproof) pocket can help if you were to fracture your finger hoisting a sail or lose your wallet to the churning white caps in a squall.
- What’s covered for sailing?
- World Nomads water sports coverage
- What’s not covered for sailing?
- Frequently asked questions
What’s covered for sailing?
Even as a seasoned sailor, you don’t want to be caught up the creek without a paddle (or, in this case, a mast and jib). Here are a few eventualities typically covered in World Nomads plans for inland sailing and coastal waters:
Emergency medical
Even without wet decks and choppy seas, you could find yourself with a medical emergency, be it an ankle sprain or a collarbone fracture. Our coverage may help cover everything from the services of a physician to ambulance services and x-rays in the case of an accident or injury at sea or on shore. World Nomads policy holders also have access to 24/7 Emergency Assistance Team... a wonderful thing if you need to translate your medical needs to your kind, but non-English-speaking doctor.
Evacuation
Most of our earth is covered in water... which means you have plenty of places to sail but could easily hit a snag in a far-flung destination. Subject to approval of 24/7 Emergency Assistance Team, your World Nomads policy can transport you by air ambulance to get treatment at an appropriate medical facility if medically necessary.
Baggage protection
Maybe your backpack slipped off the sopping wet stern, or your windbreaker got stolen right off the port. Our gear coverage can help replace your stuff, up to its actual cash value at the time of the loss.
Trip cancellation
Say a physician advises you to not to travel until your health improves, or a hurricane at your destination renders your chartered course and your pre-sail accommodation totally unusable, you may be able to recoup your pre-paid, non-refundable travel expenses... handy when you’re ready to re-book the adventure.
World Nomads water sports coverage
Besides sailing, World Nomads covers other activities on island and coastal waters, such as:
- Yachting
- Parasailing
- Sailboarding
- Cruising
- Catamaran sailing
- Hydro foiling
- Hydrospeeding
- Water skiing
- Barefoot water skiing
- Deep Water soloing
- Kiteboarding (on land or water)
- Kayaking
- Sea Kayaking
- Wakeboarding
- Wake skating
- Scuba diving
Your coverage depends on your Country of Residence, and certain conditions may apply for coverage to be available. An additional premium may also apply. Check out the sports, activities and adventures covered by World Nomads for more details.
What’s not covered?
Not every day is smooth sailing, but if you check the weather forecast, you can avoid some choppy waters. The same is true for travel insurance: if you know what’s excluded beforehand, you’ll be better equipped to navigate any unexpected losses. And sorry, we may not be able to cover you for:
- Sailing beyond the allowed distance from a safe haven or shore, as specified in your policy
- Racing and/or professional sailing
- Boat rental damage or loss
- Search-and-rescue missions
- Extreme sport sailing
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent and criminal acts
- Any claims resulting in the violation of local laws
- Any losses related to non-compliance with a license, contract or permit
- Sports equipment such as scuba, snorkel and scuba gear if it’s damaged while in-use
In addition to life jackets, floatation devices and other safety gear, be sure to BYO sunscreen. For more travel info, read our Explore, Travel Safety, and Responsible Travel articles.
Get a quote for your next sailing trip
Fill out the form below and navigate your way to the right travel insurance for your next boating adventure.
Got questions? We’re here to help. Get in touch and we can help get you set sail with peace of mind.
Frequently asked questions
Should I consider insurance to sail while overseas?
Without the right cover, you could be setting sail for disaster. Consider choosing travel insurance that covers you for all the water-based adventures you plan to enjoy overseas, even sailing. Securing travel insurance specifically for sailing means you and your vessel will be protected for a wide variety of unforeseen disasters. Check your country’s policy wording for details on what’s covered.
Which destinations am I covered for when sailing?
Depending on your Country of Residence and the policy you choose, your boating in your desired destination could be just a gust of wind away. Check your country’s policy wording to see if your preferred destination is covered for sailing trips.
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.
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 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?
- Work emergency?
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
- 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)
Travel Insurance for France
What Americans need to know before traveling to France
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As featured in:
At a glance
- World Nomads offers four travel protection plans for your trip to France. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in France like skiing, sailing and hiking.
- Plans for Americans include protection for medical emergencies, trip delays and lost luggage.
France comes second only to Mexico as the country Americans visit most. Paris is easy to love, of course – once you’ve ticked off the must-visit sights, there are countless neighborhoods, museums and markets to explore. As for nightlife, Paris offers everything from underground clubs to cabaret at the Moulin Rouge. France’s rivers lead to cities like Lyon, Strasbourg, Bordeaux and Nice, each with a storied past to uncover. Indulging in the food and wine of Alsace, Burgundy and Champagne is a given, and art lovers wanting to walk in the footsteps of their favorite artists can do so in the rolling countryside, towns and hilltop villages of Provence – you can even have a croissant and cafe au lait at the same Arles cafe Van Gogh painted. With any luck, the worst you’ll deal with is a hangover after a night out – but it may pay to be prepared for more serious surprises with travel protection.
Plan Comparisons
Choosing the right travel protection coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip to France. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
|
Travel insurance for adventure activities in France
If you’re all about getting outdoors, France has plenty on offer. In winter, hit the slopes in the French Alps, then come back in summer for hiking, climbing and paragliding over alpine valleys. Down south, the French Riviera is made for life on the water, from sailing and kayaking to swimming in clear Mediterranean coves. Ready to ride? Cycle through Provence’s countryside or take on longer routes through the Loire Valley. If you’re feeling adventurous, go canyoning in southern France, bungee jump off the highest bridge in Europe, ride horses on the beaches of Normandy or sky dive over Cannes.
Coverage for activities in France
Common insurance considerations for France
Accidents and emergencies
No one likes imagining the worst, but if you do get sick or have an accident that sends you to the hospital, you’ll be glad you purchased travel protection before you left home. Took a tumble on the ski slopes of Chamonix-Mont-Blanc and ended up in the hospital? Ate a seafood galette at a dodgy Parisian bistro and ended up with food poisoning? Emergency assistance is a phone call away. All World Nomads plans include non-insurance services like portable health records. This enables medical staff to access your records 24/7. Having that information available may be critical if you experience an unexpected medical emergency while travelling.
Trip cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel protection plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about traveling? There’s no judgment here. Just make sure you purchase the Cancel For Any Reason benefit within 7 days of making your first trip payment (like booking a hotel or flight) and remember to cancel no later than two days before your departure date. Additional cost, terms and conditions apply; not available to New York residents.
Emergency evacuation
If you get sick or injured and your condition is acute, severe, or life threatening and you’re far from suitable medical facilities, emergency evacuation and repatriation coverage may help get you the care you need. It may cover, up to the maximum benefit amount, to get you to the closest suitable medical facility or to your primary residence for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 non-insurance Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies.
Trip interruption
No matter how good of a time you’re having in France, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get injured or sick while you're traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips we recommend for traveling to France
- Book ahead for major attractions like the Louvre and Eiffel Tower to avoid long queues and sold-out time slots
- Be mindful of pickpocketing in busy areas and on public transport, especially in Paris
- If you don’t speak French, try not to get offended at restaurants and shops if busy people get frustrated with your attempts to communicate. Use Google Translate
- Avoid locking valuables in your rental car and use luggage locks.
FAQ
Here are our most frequently asked questions about cover for France. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do Americans need a visa to visit France?
Americans don’t need a visa for short stays in France (up to 90 days within a 180-day period). Check current requirements before you travel.
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Is France safe for tourists?
France is generally safe for travelers, though petty theft can occur in busy areas and on public transport, particularly in Paris. Stay aware of your surroundings and follow US Department of State travel advisories*. You may want to consider travel insurance for those unexpected situations that arise.
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What if my bags are lost or stolen?
Travel insurance benefits for lost, damaged, destroyed, stolen or delayed bags are included in all World Nomads plans. Also, our non-insurance service included in every plan assists with tracking and delivering missing checked bags.
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What if my passport gets stolen in France?
World Nomads travel protection plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the plan towards the replacement of your passport or one or more other travel documents mentioned above.
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What is the best time to visit France?
Spring (April to June) and autumn (September to October) offer mild weather and fewer crowds. Summer is popular but can be crowded, especially in Paris and along the coast.
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Can I drink tap water in France?
Yes, tap water is safe to drink across France.
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What is the best way to get around France?
France has an excellent train network, including high-speed TGV services connecting major cities. Car hire is useful for exploring rural regions like Provence and the Loire Valley.
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Do I need to tip in France?
Service is usually included in restaurant bills, so tipping isn’t expected, though rounding up or leaving a small amount for good service is appreciated.
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What currency is used in France?
France uses the euro (EUR). Credit and debit cards are widely accepted, but it’s useful to carry some cash for smaller purchases.
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Do I need travel insurance for France?
Travel insurance isn’t mandatory, but it’s strongly recommended. Benefits for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness. All World Nomads plans for US residents include insurance benefits and additional non-insurance services like access to pre-trip medical support. A telehealth consultation can help you with a customized medical plan based on your destination. This may help you prepare for health concerns before you go and the best ways to avoid travel-related illnesses.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload and get started. If you get stuck, you can call us collect on +1 844-207-1930 and we can assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 non-insurance Emergency Assistance partners at Generali Global Assistance are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 (877) 289-0968 (toll-free from the Continental US); or
Phone: +1 (954) 334-8143 (collect from anywhere else in the world)
Need destination inspiration for France?
Not sure where your next adventure should take you? Take a look at these travel and safety ideas and get destination-specific travel insurance tips to help you plan with confidence.
Lille and Lyon, France: Gorgeous Alternatives to Paris
Cycling the Seine From Paris to the Sea
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)
Travel Insurance for volunteering
Don't let your good deeds go uncovered.
- As featured in:
As featured in:
Whether you have specific skills to offer or you’re in search of meaningful connections, volunteering abroad can be a life changing experience. While out in the world helping others, make sure you also look after yourself and consider buying travel insurance before you pack your bags.
World Nomads travel insurance can cover you when participating in a range of round-the-world volunteer activities and vacations, from summer teaching programs to clean water projects. Whatever the cause, we’re strong supporters of paying it forward and giving back.
What's covered
Want to step out into the world and volunteer your time? Depending on your Country of Residence and the plan you’ve selected, World Nomads travel insurance may provide cover for:
- Trip cancellation
- Trip interruption
- Emergency medical care
- Emergency evacuation and repatriation
- Trip delay
- Baggage and personal belongings cover
- Extend or buy more cover while traveling
- Cover for some Coronavirus-related events
Traveler tip 1: if you intend to work or study, you must have the appropriate visa to work or study under the local laws of the country you’re visiting.
Travel insurance cover on our Standard and Explorer plans
At World Nomads, we do our best to support volunteers, whether it's protecting endangered turtle hatching grounds or teaching school children in an under resourced village.
Before you take off on your next volunteer adventure, consider packing travel insurance that provides cover for the things you plan to do.
Volunteer activities our Standard Plan may cover include:
- Hospitality or work at bars.
- Farming such as fruit picking, WWOOFing or other manual labor.
- Wildlife or animal care.
- Environmental or conservation work.
- Au pair, nanny or other volunteer childcare.
- Teaching.
- Retail work such as shop assistant or store manager role.
- Office or clerical work.
Volunteer activities our Explorer Plan may cover include:
- Undertakings in construction or renovation projects, including painting, using power tools, operating machinery, or roadwork.
- NGO support and disaster relief.
- Medical and health care work (health education, medical services, medical practitioner).
Note: you can upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2 and 3) and pay any required additional premium at the time you buy your policy.
If you feel unsure about whether your volunteer activity is covered, you can get in touch with our Customer Service team and they will be able to assist you.
Am I covered for Coronavirus-related events?
While volunteer work is rewarding, getting sick while overseas can be costly in more ways than one, especially with Coronavirus still causing major issues worldwide. The cover you will have under our Standard and Explorer plans will depend on your Country of Residence. They include:
- Standard and Explorer plans: offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas (excluding pre-existing medical conditions, as defined in the policy wording) – cover includes medical assistance, repatriation, and hospitalization.
- Explorer Plan: additionally, offers cover for some Coronavirus-related events including but not limited to cancellation, trip interruption expenses and some quarantine costs, as well as additional cover for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus. Benefit limits apply.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, terms and conditions, and exclusions.
Traveler tip 2: do your research well in advance of your trip around vaccines needed for your intended destination. Make sure you follow government, health department, and World Health Organization preventative and precautionary measures, including any relevant vaccinations, hygiene, or social distancing guidelines. Please refer to who.int for further information.
What’s not covered?
Some volunteer activities may not be covered as they’re just too risky for us to cover. This includes volunteer work that includes:
- Taking part in activities such as base jumping, wingsuit flying, cliff diving, martial arts competitions, motor sports, and piloting an aircraft among others.
- Going on dangerous expeditions; mountaineering expeditions or expeditions to inaccessible regions of the Arctic, Antarctica, or Greenland, unless approved by us.
- Crewing of a vessel more than 60 miles (96.5km) from a protected body of water.
- Work as a guide where ropes or other specialist climbing equipment is required.
- Work offshore or underground, including in caves.
- Work operating machinery or heavy/industrial equipment.
- Work at height without proper safety equipment.
- Working with dangerous animals, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats, and deadly snakes.
Traveler tip 3: you must have the appropriate skills and training and hold the necessary licences and/or certificates for the work you undertake. You should only work from ground level up to two metres above ground, as the risk of injury is significantly increased when working at heights greater than two metres.
If you’re not sure about coverage, contact us and we’ll help you.
If haven't yet chosen a volunteer program, you can find inspiration in the following articles:
- Questions to Ask Before You Volunteer Abroad
- Tips on Choosing an Ethical Volunteer Program
- Voluntourism 101: How to Get Started
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered.
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 overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Will travel insurance cover me for countries other than those listed on my policy?
That depends on your policy and your country of residence. You may have to put in a request with the customer service team for a country to be added to your policy.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illnesses overseas. They don't stand in place of primary medical insurance or your home health system.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what happened. If it’s an emergency situation, where medical evacuation is required, World Nomads can cover these costs upfront (provided the incident is covered as per the policy wording and you get pre-approval from the Emergency Assistance team). You must contact World Nomads 24/7 Emergency Assistance if you have a medical emergency.
