Camping Travel Insurance Coverage
US Residents can protect their camping trips with travel insurance
- As featured in:
As featured in:
At a glance:
- All World Nomads plans cover camping, with some plans that offer higher limits of coverage and the ability to camp at high altitude elevations.
- Coverage may include reimbursement for injuries and medical transport if you're seriously hurt while camping.
- Gear & Baggage benefits help cover lost, stolen, or damaged camping gear and luggage.
- Plus, optional Cancel for Any Reason upgrade available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance coverage for my camping trip?
- Camping travel insurance benefits
- Plans to protect your camping trip
- Do you offer travel insurance for summer camp?
- Can I get travel insurance coverage for Everest Base Camp?
- What's not covered
- Top safety tips we recommend for your camping trip
- FAQs
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Maybe you’re car camping in Zion National Park or taking your camping adventures to new heights in Patagonia. Either way, you’ll surely have an epic adventure when you’re sleeping under the stars. But whenever you're camping, you should be prepared for the unexpected. Our travel protection plans include a range of travel insurance benefits and non-insurance services for camping that may help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance coverage for my camping trip?
From a nasty case of poison ivy to bad weather that can put a halt to your plans, unexpected issues can derail even the most carefully planned camping trip. Travel insurance and non-insurance services designed for camping 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 pitching a tent at a primitive site or living large in a luxury RV.
Travel insurance and non-insurance services for camping trips: What may be covered?
There’s nothing we love more than sitting around a campfire making s’mores. Since we love the great outdoors, we’ve designed coverage for losses resulting from camping while traveling. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For snake and spider bites that require emergency medical treatment -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen camping gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from enjoying your camping trip
Get a quote and compare the plans to see which level of coverage is right for you.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
What level of travel insurance coverage do I need for my camping trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go camping, you’ll probably be doing other things like hiking also. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase travel insurance coverage for camping. If you’re camping and hiking at a high elevation though, you’ll want to make sure to pick the correct plan based on your maximum altitude.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while camping and hiking up to 19,685 feet/6,000 meters, including up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This is for those that want to take their camping to new heights! It covers more activities, including camping and hiking up to 21,325 feet/6,500 meters. It also has higher limits of coverage for most benefits.
- Epic Plan – This is for the true adventurers. It covers everything the Explorer plan covers, plus even more activities – including camping and hiking up to 26,247 feet/8,000 meters. It also has the highest benefit limits of coverage.
- Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year. It includes travel insurance coverage for camping, as well as all of the other activities covered in the Standard Plan.
Do you offer travel insurance for summer camp?
Summer camp brings back such fond memories of our childhood, but we know from our own experience, accidents can happen. If you’re sending your children to summer camp, travel insurance benefits may help with a variety of unexpected situations, including injuries related to more than 250+ sports, activities and experiences such as swimming and archery.
If the camp is more than 100 miles away from your home, you can purchase a travel protection plan for your child that includes non-insurance services and travel insurance coverage for summer camp. If you have more than one child, you can even include them in the same plan.
Can I get travel insurance coverage for Everest Base Camp?
If you’re headed to Everest Base Camp, travel insurance coverage for Asia may help with a variety of situations – even while you’re hiking there. Travel insurance coverage for Everest Base Camp may also include benefits such as emergency medical evacuation. That may help if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. (Subject to approval. Additional terms apply.) To avoid scam risks, you’ll want to contact the 24/7 Non-Insurance Emergency Assistance team before arranging your own evacuation. Before you purchase a travel protection plan that includes non-insurance services and travel insurance coverage for Everest Base Camp, review the four plans offered by World Nomads to choose the right one for you. Each includes maximum elevations for hiking and camping.
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 on a camping trip?
Some things we may not cover include:
- Unattended baggage, camping gear, or personal items
- Not following ‘Do Not Travel’ warnings issued by the U.S. government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences.
- Injuries incurred while intoxicated
- Camping and hiking at heights over 26,247 feet/8,000 meters
- Camping or traveling within 100 miles of your home
Top safety tips we recommend for your camping trip
- Pay attention to the weather. Take a look at the forecast before you go, but since conditions can change quickly, always keep an eye on it while you’re camping.
- Don’t leave unsecured food out, as that can attract wildlife. You can store it in your car, a bear-safe container, or a food storage locker.
- Use insect repellent, but still check for ticks at least once a day when outdoors.
- Keep campfires small and contained, and never leave them unattended.
- Arrive at your campsite before dark to get everything set up.
- Choose the right camping gear for your particular trip.
- Don’t camp over 26,247 feet/8,000 meters since you may not be able to have camping travel insurance coverage and non-insurance services from World Nomads.
FAQ
Here are our most frequently asked questions about cover for camping. 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 camping be covered under World Nomads Travel Insurance?
Yes, camping may be covered under all four plans offered by World Nomads Travel Insurance. If you’re camping and hiking at a high elevation though, you’ll want to make sure to pick the correct plan based on your maximum altitude. The Standard and Annual Plans include travel insurance coverage for incidents while camping up to 19,685 feet/6,000 meters, the Explorer Plan includes camping up to 21,325 feet/6,500 meters, and the Epic Plan includes camping and up to 26,247 feet/8,000 meters. 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 on a camping trip?
If your camping trip is canceled 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 campsites that you paid for in advance. If you trip and fall while hiking and you require medical assistance, emergency medical 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 that includes travel insurance coverage for camping 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 camping, 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 camping overseas?
Yes, some of the best spots to camp are outside of the U.S. and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for your trip to Chile and Argentina, you could have the opportunity to camp in the beautiful Andes Mountains. When you get a quote for a travel protection plan that includes travel insurance coverage for camping, you’ll need to input where you’ll be traveling.
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Can I purchase travel insurance for my kids summer camp?
If you’re sending your children to summer camp, travel insurance benefits may help with a variety of unexpected situations, including injuries related to more than 250+ sports, activities and experiences such as swimming and archery. If the camp is more than 100 miles away from your home, you can purchase a travel protection plan for your child that includes non-insurance services and travel insurance coverage for summer camps. If you have more than one child, you can even include them in the same plan.
-
Can I purchase travel insurance coverage for Everest Base Camp?
Yes, but before you purchase a travel protection plan that includes non-insurance services and travel insurance coverage for Everest Base Camp, review the four plans offered by World Nomads to choose the right one based on how high your adventure will take you. Each includes maximum elevations for hiking and camping.
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What should I do if I get hurt while on a camping trip?
If you get hurt while camping, 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 when you purchase a travel protection plan that includes travel insurance coverage for camping.
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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 camping adventure, you could be covered for more than 250+ other sports, activities and experiences. Things like hiking, backpacking, and swimming 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, 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 additional 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 camping, 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 camping trip?
Not sure where your next camping adventure should take you? Check out some of our favorite camping locations around the world and get destination-specific travel insurance tips to help you plan with confidence.
Camping in Argentina: A Nomad’s Guide
4WD Northern Namibia: Camping on the Huab River
Nature Getaways: Hiking and Camping in Glacier National Park
20250822-4760671. 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 for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
With a total of 26 UNESCO-listed heritage sites to explore, including Zacatecas, Chichen Itza and National Park of Palenque, as well as stunning coastline, and great food and music, Mexico has every type of activity to help Irish travellers unwind or get the adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However Irish travellers shouldn’t be deterred from experiencing one of the world’s most amazing cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If your airline loses your luggage or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the local police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the local police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Can I travel to Mexico?
Always make sure you’ve done your research on any country you’re planning to visit as there may be Irish government imposed travel restrictions in place. If you decide to travel to a country where the Department of Foreign Affairs (DFA) has advised ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ to a particular country or part of a country then your World Nomads policy will not offer cover for the reasons for which the warning was given.
For the most up-to-date info on travelling to Mexico and other countries, go to the DFA website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning and drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced Irish traveller. That’s why our 24/7 Emergency team can give you advice 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.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our Emergency assistance team.
If something goes wrong, such as robbery, accident or illness we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on travelling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips article may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. 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.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
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.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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?
- Default text
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 for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
From the lush jungles and ancient ruins of Palenque to the UNESCO World Heritage listed, Guanajuato City, famous for its cobbled streets and colonial architecture, Mexico has every type of activity for British travellers whether you want to wind down or get your adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders, Mexico can also be a dangerous place, especially if you don’t know the language or end up in the wrong part of town. However British travellers shouldn’t be deterred from experiencing one of the world’s most interesting and friendly cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance cover.
Baggage theft in Mexico
If your airline loses your luggage or you’re exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Medical Assistance team can try (where possible) to help you negotiate the local administration.
If something goes wrong, such as a robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical assistance;
- Emergency medical evacuation or repatriation when necessary;
- Luggage and personal belongings cover;
- 24-hour Emergency Medical Assistance.
If you need more tips on travelling abroad during COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Can I travel to Mexico?
Remember to always research any country you’re planning to visit as there may be UK government imposed travel restrictions in place. If you decide to travel to a country that the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or against all but essential travel then your World Nomads policy could be restricted.
For the most up-to-date info on travelling to Mexico and other countries, visit the FCDO website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly so don’t rely on your own instincts or the Internet to get medical advice.
These kinds of emergencies can take down even the most experienced British traveller. That’s why the services of our 24/7 Emergency Medical Assistance team are essential. Our team can give you advice 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 treatment if needed to make sure you are getting proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient);
- Out-patient treatment (no hospital admission);
- Emergency dental treatment to relieve immediate pain;
- Outpatient physiotherapy when prescribed by a medical practitioner;
- Specialist counselling services if you suffer psychological trauma;
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Both our Standard and Explorer plans include benefits for scuba diving, each plan excludes certain types of diving or dives beyond a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
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.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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?
- Default text
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 for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
Amongst the world’s most popular destinations, Mexico, has something to offer travelers from all parts of the globe. You can get stuck into adrenaline-pumping adventure activities, immerse yourself in the culture and history, or just relax by the beach. But Mexico is also a country where your safety and health should be taken seriously, that’s why travel insurance is essential if something goes wrong.
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However international travelers shouldn’t be deterred from experiencing one of the world’s most interesting cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If you’re airline loses your bag or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travelers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier. Benefit limits, conditions and exclusions apply, and coverage varies depending on your Country of Residence and the plan you’ve chosen.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand that this can be a challenge when in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced international traveler. That’s why our 24/7 Emergency Assistance team can advise 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.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Please note: Coverage depends on your Country of Residence and varies between travel insurance plans.
If something goes wrong, such as robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on traveling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. 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.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each sport. Besides Scuba diving, World Nomads offers cover for 150+ adventure activities including:
- Surfing
- Hiking
- Backpacking
- Kayaking
- Sandboarding
- Snorkelling
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.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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?
- Default text
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 for backpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
Backpacking is a pilgrimage many nomads embrace - the call of the open road with just the basics on your back. You might be in search of your people, the path less travelled, or setting out to find your ‘why’. Even if you like to travel with everything you need on your back, travel insurance is still a good idea in case backpacking mishaps (or worse) surprise you on the road.
World Nomads travel insurance is designed for backpacking the world’s most captivating regions from wild Patagonia to mystical Japan, and further afield.
- Why buy travel insurance for when you’re backpacking?
- What’s covered when backpacking?
- Does my plan include cover for Coronavirus related events?
- What’s not covered for backpacking?
- Choose a plan to suit your needs
- Some FAQs
Why buy travel insurance for when you’re backpacking?
World Nomads travel insurance plans offer cover for sudden and unforeseen costs such as if you’re injured in a traffic accident and need urgent medical treatment, if your transport carrier damages or loses your much-needed pack, or if a brazen pickpocket swipes your phone from under your nose.
What’s covered when backpacking?
Our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to your country of residence.
- Loss, theft or damage to baggage or personal items.
- Checked-in baggage being delayed for more than 24 hours and the costs of buying essential clothing and toiletries while waiting for your baggage (remember to keep your receipts).
- Your non-refundable costs of curtailing or cancelling your trip due to sudden injury or illness to you or your travelling companion.
- Cover for cancellation caused by official travel warnings of 'Do not travel' advice issued for your destination after you’ve received your Certificate of Insurance.
- Cover around transport carrier delays, missed connections and natural catastrophe.
Does my plan include cover for Coronavirus-related events?
- Our 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 spitalization benefits.
- Our Explorer Plan also offers cover for some coronavirus-related events such as 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.
What’s not covered for backpacking?
Some things we do not cover include:
- Pre-existing medical conditions.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies.
- Damage, loss or theft of jewelry, devices, cameras and specified items if checked in as baggage with a common carrier.
- The policy excess amount as shown in the policy wording.
- Personal liability on some activities.
- If you don’t have the necessary visas and/or licences for the activity or study you undertake.
- Any loss from being intoxicated with drugs or alcohol.
- Reckless behavior such as heading somewhere remote or into a war zone.
- If you don't keep your gear safe and secure at all times.
- If you don't report the loss to the police and appropriate carrier or authority as soon as possible after the loss is discovered. You must get written reports.
- Personal baggage stolen from an unattended vehicle between 9pm and 9am (local time).
Choose a plan to suit your needs
World Nomads offers two plans with different levels of cover and benefit limits: the Standard Plan and the Explorer Plan. The Explorer Plan has benefits not available in the Standard Plan and also offers travellers higher benefit limits and/or sub limits. If you’re planning on doing something extra on your trip such as scuba diving or farm work, for example, our article on covered sports and activities may help you select the optional upgrades you’ll need to add when you buy your policy. Keep in mind some types of work and high-risk activities may not be covered at all.
Some FAQs
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your Certificate of Insurance, check with our customer service team to find out if your policy will extend to that region.
What happens if my item/s are lost or damaged?
You must get a Property Irregularity Report from the relevant supplier as soon as you discover the loss or damage. You’ll need it to submit your claim along with a police report, copies of the original receipts and any baggage tickets. Any reimbursement will allow for depreciation (wear and tear) as per the policy wording except if the item has been specified as high value on your Certificate of Cover.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
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 Backpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
For many nomads, backpacking is the bedrock of adventure; roaming forgotten streets with just your trusty pack to sustain you.
Even if you like to travel with everything you need on your back, travel insurance is still a good idea in case backpacking mishaps (or worse) surprise you on the road. World Nomads travel insurance is designed for backpacking abroad – whether you’re heading to Spain and Italy or Australia, South America, the Caribbean and further afield.
- Why buy travel insurance for when you’re backpacking?
- What’s covered when backpacking?
- Does my plan include cover for Coronavirus related events?
- What’s not covered for backpacking?
- Choose a plan to suit your needs
- Some FAQs
Why buy travel insurance for when you’re backpacking?
World Nomads travel insurance plans offer cover for sudden and unforeseen costs such as if you’re injured in a traffic accident and need urgent medical treatment, or if your transport carrier damages or loses your much-needed pack with everything in it, or a crafty pickpocket swipes your phone from under your nose.
What’s covered when backpacking?
Our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back home.
- Loss, theft or damage to baggage or personal items. Always get a Property Irregularity Report from the relevant travel supplier or carrier as soon as you discover the loss or damage. You’ll need it to submit your claim along with a police report, copies of the original receipts and any luggage tickets.
- Checked-in baggage delayed for more than 24 hours and the cost of buying essential clothing and toiletries while waiting for your baggage (keep those receipts!).
- Your non-refundable costs of cancelling or curtailing your trip due to sudden injury or illness to you or your travelling companion.
- Cover for cancellation caused by official Department of Foreign Affairs travel warnings advising against all travel or all but essential travel issued for your destination up to 7 days before the certified departure of your trip (Explorer Plan only).
- Cover for travel delays and natural catastrophe (Explorer Plan only).
Does my plan include cover for Coronavirus-related events?
Our 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 hospitalisation benefits.
What’s not covered for backpacking?
Some things we do not cover include:
- Pre-existing medical conditions, as per the policy wording.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies.
- The policy excess amount as shown in the policy wording.
- If you refuse to be repatriated or evacuated.
- Any loss from being intoxicated with drugs or alcohol.
- Reckless behavior such as heading somewhere remote or into a war zone.
- If you don't keep your gear safe and secure at all times.
- If you don't report any loss to the police and appropriate carrier or authority as soon as possible after the loss is discovered. Don’t forget to get written reports to support any claim you may make.
- Personal baggage stolen from an unattended vehicle unless locked away and not visible from the outside.
Choose a plan to suit your needs
Both our Standard and Explorer Plans have many of the same benefits, while the Explorer Plan offers travellers further covered events and higher benefit limits and/or sub limits.
If you’re planning on doing extra activities such as scuba diving, rock climbing or manual work, for example, our article on covered sports and activities can help you select the optional upgrades you’ll need to add to your plan when you buy your policy. Keep in mind some types of work and high-risk activities may not be covered at all.
Some FAQS
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your Certificate of Insurance, check with our customer service team to check if your policy will extend to that region.
Can I extend my policy while still travelling?
Yes, it’s possible to extend your existing Single Trip policy while still travelling and before its expiry date, for up to 12 months from the start date.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, get in touch.
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 teamBackpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024 please see below.
For British backpackers, exploring the world’s hidden gems - from Southeast Asia’s temples to the Andes’ peaks - offers unmatched freedom at a fraction of the cost. But with adventure comes uncertainty, and not all surprises are fun. That’s why investing time in researching travel insurance for backpackers is a worthwhile endeavour, ensuring you're covered for whatever comes your way.
- Why buy travel insurance for when you’re backpacking?
- What's covered with backpacking travel insurance?
- What’s not covered for. backpacking?
- Choose a plan to suit your needs
- Some FAQs
Why buy travel insurance for when you’re backpacking?
World Nomads travel insurance plans offer cover for sudden and unforeseen costs, such as if you’re injured in a traffic accident and need urgent medical treatment, or if your transport carrier damages or loses your much-needed backpack with everything in it, or a crafty pickpocket swipes your phone from under your nose.
What’s covered with backpacking travel insurance?
Our plans offer cover (up to the benefit limits) for scenarios such as (to name just a few):
- Imagine this: you’re set for a South Asian adventure—culture, cuisine, and new experiences at an affordable price. But then you get a sniffle. It’s not serious enough for a hospital visit, but wouldn’t it be great to talk to a doctor back home? Enter Air Doctor. With it, you can connect with a doctor (in your own language) and get those sniffles sorted, so you can get back to your adventure without having to brave the local health system.
- Got a serious overseas medical emergency? We may be able to cover your medical expenses, evacuation, or repatriation back home.
- Imagine your flight is delayed just as you’re about to embark on your backpacking adventure. Annoying, right?! SmartDelay ™ gives you access to airport lounges, so you can relax in style while you wait.
- You’re deep in the Amazon, and suddenly your gear goes missing. No need to panic - our coverage could cover up to £3,000 for lost, stolen, or damaged baggage. Just be sure to file a report and keep those receipts.
- Your hike in the Alps is delayed, and you’re stuck without your essentials. We’ve got you covered for those unexpected expenses if your checked-in baggage is delayed for more than 24 hours.
- Plans changed by an unexpected injury or illness? We may cover your non-refundable trip costs if you need to cancel or cut your journey short due to sudden health issues affecting you or your travel companion.
What’s not covered for backpacking?
Some things we do not cover include:
- Pre-existing medical conditions, when you purchase your policy or book your trip.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers or other insurance policies.
- The policy excess amount as shown in the policy wording.
- If you refuse to be repatriated or evacuated.
- Any loss from being intoxicated with drugs or alcohol.
- Reckless behaviour such as heading somewhere remote or into a war zone.
- If you don't keep your gear safe and secure at all times, or stolen from an unattended or unlocked vehicle
- If you don't report any loss to the police and appropriate carrier or authority as soon as possible after the loss is discovered. Don’t forget to get written reports to support any claim you may make.
Choose a plan to suit your needs
Both our Standard and Explorer Plans have many of the same benefits, while the Explorer Plan offers travellers further covered events and higher benefit limits and/or sub limits.
If you’re planning on doing extra activities such as surfing, rock climbing (outdoor) or manual work, for example, our article on covered sports and activities can help you select the optional upgrades you’ll need to add to your plan when you buy your policy. Keep in mind some types of work and high-risk activities may not be covered at all.
Frequent flyer or once off traveller?
Whether you’re a frequent flyer or planning a one-off adventure, your travel insurance needs differ. For the serial backpacker, an Annual Multi-Trip policy provides year-round coverage, making it easy to explore multiple destinations without the hassle of having to buy a new policy each time.
If this is your big once-in-a-lifetime trip, a Single Trip policy offers all the protection you need, tailored specifically to your journey.
Looking for some more backpacking inspo? Check out our article, Backpacking Checklist: Dos and Don'ts When on the Road
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 in an accident?
- Sudden death of an immediate relative?
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?
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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 buying travel insurance for backpacking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Am I covered if I travel to a country not specified on my policy?
Backpacking often means going wherever the breeze blows you, but before you decide to cross the border into a country not specified on your policy certificate, check with our customer service team to check if your policy will extend to that region.
-
Can I extend my policy while still travelling?
Yes, it’s possible to extend your existing Single Trip policy while still travelling and before its expiry date, for up to 12 months from the start date.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, get in touch.
Travel insurance when visiting Great Britain
What to know when planning your British getaway.
- As featured in:
As featured in:
Ahh, Great Britain - home to the British royals, countless unique castles, stunning scenery, and a rich history, which spans from Stonehenge to Shakespeare and beyond. Before you book your trip to Great Britain - perhaps to see Macbeth at The Globe - get your travel insurance sorted, so the only drama is on stage with the actors.
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
When planning a trip to the UK the most common issues international travelers face are lost or delayed luggage, or unexpected medical issues. And now you can add Coronavirus to the list. But never fear, follow our travel tips to get the most out of your cover and your holiday in the UK.
What should I look out for when traveling to Great Britain?
Lost, stolen or delayed baggage cover
It can throw a massive spanner in the works to arrive at Heathrow and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. Petty theft is common across Europe, and you could also get your gear stolen on public transport or from your accommodation.
The good news is that all World Nomads policies offer some cover (up to the policy limits) for loss, theft or damage to baggage or personal items.
Keep in mind 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.
What happens if…
- My bags are 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 things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- My bags are delayed: you may be covered if your bags were delayed. 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 bags are returned. 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.
Tips for keeping your luggage safe:
- Never leave your bags and valuables out of your sight and reach.
- Always carry your electronics and valuables with you and lock your gear up in a secure location when you can’t take it with you.
- Remember that if you buy anything, before or during your trip, to keep all receipts.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to the UK, overseas medical insurance is a good idea in case of an accident or sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your Country of Residence. All our policies include some level of overseas medical cover, so you can focus on your recovery if you fall ill or have an accident on your travels.
Tips for travel in the UK and Covid-19:
- It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots, even in open-air places such as Stonehenge, London’s parks and palace grounds, or when strolling through the bustling streets of Edinburgh.
- The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on 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 around the clock
Dealing with a medical emergency in a foreign country can be frightening and confusing, but you don’t have to go through it on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, and set up direct payments to the medical facility if needed. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Great Britain
If you’re looking to get your adrenaline levels up by going hiking in Snowdonia, or camping and mountain biking in the Scottish Highlands, World Nomads offers travel insurance cover for 150+ activities and sports.
Be sure 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. If you’re not sure whether an activity is covered, just contact us.
Are you looking for more travel inspiration for Great Britain? World Nomads has various articles that cover a range of fun topics on Great Britain or check out our articles if you need the latest safety travel alerts.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all 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
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamVacation Rental Travel Insurance Coverage
Learn how US residents can protect their stays in vacation rentals around the world
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At a glance:
- All World Nomads plans cover losses resulting from trips where you stay in private vacation rentals, with some plans that offer higher limits of coverage.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while staying in a vacation rental.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance when staying in a vacation rental?
- Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
- What level of travel insurance coverage do I need if I’m staying in a vacation rental?
- What may not be covered when staying in a vacation rental on your trip?
- Top safety tips we recommend for staying at a vacation rental
- FAQs
Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the Caribbean and booking a beachside vacation rental on an island, or perhaps you would rather stay in a
treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes staying in a vacation rental, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for vacation rentals that may help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance when staying in a vacation rental?
Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation rental or if a hurricane keeps you from reaching your dream vacation home, travel insurance and non-insurance services designed for vacation rentals 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 when you’re staying in a vacation rental.
Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we’ve designed coverage for losses resulting from stays in vacation rentals. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when staying in a vacation rental -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans include travel insurance coverage for vacation rentals, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need if I’m staying in a vacation rental?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while staying in a vacation rental. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan also includes vacation rentals, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes travel insurance coverage for vacation rental trips, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
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 staying in a vacation rental on your trip?
If you leave the burner on and the kitchen catches on fire, your travel insurance coverage for vacation rentals won’t pay for those damages. It’s up to you to make sure you take care of the place while you’re there. Some other things that aren’t covered include:
- Unattended baggage, gear or personal items
- Furniture or any other items that are part of the vacation rental
- Alcohol and drug-related incidents and illegal activities
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences
- Traveling or staying in a vacation rental within 100 miles of your home
- Pre-existing conditions. You could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period and were medically able and not disabled from travel, based on the assessment of a physician, when you buy the plan. A definition of a pre-existing condition can be found in your plan document.
Top safety tips we recommend for staying at a vacation rental
- Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
- Read your rental agreement. Become familiar with anything the host has shared regarding locks, alarms, etc.
- Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t have one.
- Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
- Have emergency contact information for your host.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip (costs may apply)
- Check with the Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for vaction rentals. 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 staying in a vacation rental be covered under World Nomads Travel Insurance?
Yes, where you stay in vacation rentals 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 staying in a vacation rental on your trip?
If your trip is canceled 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 tours that you paid for in advance. If you get hurt when staying in a vacation rental and require medical assistance, emergency medical 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 that includes travel insurance coverage for vacation rentals 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 while staying at a vacation rental, you’ll need to purchase your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for vacation rentals overseas?
Yes, some of the best vacation rentals are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Italy, you could have the opportunity to stay in a rustic villa in a vineyard. When you get a quote for a travel protection plan that includes travel insurance coverage for trips including vacation rentals, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while I’m at a vacation rental?
If you get hurt while staying in a vacation rental, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover 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 when you purchase a travel protection plan that includes travel insurance coverage for trips that include vacation rentals.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services when staying at vacation rentals, you could be covered for more than 250+ other sports, activities and experiences. Things like swimming, hiking and kayaking 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, tours and vacation rentals 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 additional 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 a plan with travel insurance coverage for trips that have vacation rentals, 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 cool vacation rentals around the world?
Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a few of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
The Caribbean: Bungalows on Royal Island
United States: A treehouse with free-roaming alpacas in Atlanta
Italy: A rustic villa on a vineyard
Costa Rica: A luxury pool home in the jungle
This is 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 team