Awards and accolades
Best Travel Insurance Companies Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Cancel for Any Reason Travel Insurance Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Annual Travel Insurance Gold Badge
Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Travel Insurance –
Overall-Product
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Travel Services Marketing -
Campaign-Advertising/Marketing Campaign
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Best Customer Service Winner
British Youth Travel awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2024
GRIST Service Excellence Award Winner
Auscontact awards, 2024
Customer Experience Initiative of the Year Process Transformation Winner
Auscontact awards, 2023
Best for Adventure Travel Winner
Men's Journal Travel Awards, 2025
Social Impact award for accomplishments for The Footprints Network Finalist
The Bessie awards, 2024
Extraordinary experience Winner
Global Youth Travel Awards, 2023
Best Responsible Tourism Campaign and Outstanding SDG Contribution, Winner
WYSE Travel Confederation's Global Youth Travel Awards, 2021
Service Excellence Award Winner
Auscontact awards, 2022 & 2021
Best Travel Safety Initiative Winner
WYSE Travel Confederation’s Global Youth Travel Awards, 2019
Sea Turtle Conservation in Costa Rica video shortlisted
Animal and Wildlife category, Shorty Social Good Awards, 2019
Best Use of Social/MobileMedia category, Silver Award Winner
British Youth Travel Awards, 2018
Memberships
Recent reviews
Travel Insurance for Cruises
Travel insurance may help Canadians protect their cruise vacations to destinations like the Caribbean, Alaska, Europe, Antarctica and more
- As featured in:
As featured in:
At a glance
- Cruise with confidence: All World Nomads Travel Insurance plans cover cruises, with some plans that offer more benefits and higher limits of coverage
- From tropical waters to polar seas: Coverage may apply to cruises visiting a variety of locations – including the Caribbean, Alaska, Europe and even Antarctica
- Adventure onboard and ashore: You may be covered for more than 250+ activities that you participate in onboard your ship or during shore excursions
- Well-rounded cruise protection: Benefits may include trip cancellation, emergency medical expenses, emergency medical evacuation, baggage protection and more
- Extra protection when plans change: You may have access to additional benefits if your cruise doesn’t stop at a scheduled port of call for a covered reason (available on the Epic, Explorer, and Annual Multi-Trip plans)
- Why should you consider travel insurance for cruises?
- What’s Covered for Cruises
- Exclusions
- Maximum Limits
- Cruising Tips
- FAQs
Why should you consider travel insurance for cruises?
There are plenty of exciting opportunities for Canadian residents hoping to vacation on the high seas. According to recent data, Caribbean cruises are the most popular, making up 43% of all cruise passengers. However, you could also take a river cruise through the wine regions in France or cruise to remote destinations like Antarctica.
Hopefully your cruise will be smooth sailing, but there’s always the possibility of unexpected surprises that you can’t plan for. What if there’s an unexpected hurricane that prevents your ship from sailing? Nobody wants to think about getting hurt or sick while on a cruise, but that happens, too. Because of the unanticipated situations that can arise when cruising, you may want to get a quote for travel insurance that includes cruises
What’s Covered for Cruises
- Unexpected Medical Emergencies
- Trip Cancellation
- Trip Delay
- Trip Interruption
- Natural Disasters
- Emergency Evacuation and Repatriation
- Lost, Stolen or Delayed Baggage
- 250+ Adventure Sports and Activities
- 24/7 Emergency Assistance
- Cruise Diversion and Disablement (included in the Explorer, Epic, and Annual Multi-Trip plans)
Exclusions
- Losing track of time while at a port of call and missing your boat
- Participation in activities that aren’t covered in your plan
- Injuries that happen while under the influence of drugs or alcohol
- Pre-existing medical conditions that are excluded in the policy
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Emergency Evacuation and Repatriation: Up to $250,000 Trip Cancellation: Up to $2,500 Travel Inconvenience (Including Cruise Diversion or Disablement): Not Available Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $10,000,000 Emergency Evacuation and Repatriation: Up to $750,000 Trip Cancellation: Up to $15,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $750 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Cruising Tips
As cruise travellers ourselves, we’ve learned a few things along the way during our time on the open seas. Before you set sail, we encourage you to get a quote for cruise travel insurance coverage. We also want to share a few of our other tips for having a great cruise.
- Arrive at your departure city at least a day before your cruise sets sail. While cruise travel insurance benefits could help with cancelled or delayed flights on your way to your departure port, your ship isn’t going to wait on you if you’re running behind. To avoid the possibility of your ship sailing away without you, try to arrive in your departure city with plenty of time to spare. You may even find some fun things to do there before your cruise.
- Book excursions before you leave home. If there’s a shore excursion that you have your heart set on, make sure you book it early. If you’ve been dreaming of whale watching in Juneau and wait too long to book it, you may be super bummed if you miss out. Excursions can sell out quickly and there may be limited options once you’re onboard.
- Take a carry-on bag. You’ll be boarding the ship before your luggage reaches your cabin, so take along a small bag that includes medication, phone chargers, and anything else you may need. If you’re planning to head straight to the pool, go ahead and throw your swimsuit and some sunscreen in your bag as well.
- Don’t assume that everything is included in the price of your cruise. Before your trip, review exactly what is included in your cruise package. Some cruises are all-inclusive, but many have drink packages or certain onboard activities that may cost extra. It’s best to know beforehand so you’re not surprised once you get onboard. Sometimes you can also save money if you purchase those packages ahead of time.
- Save the phone number and plan number for your travel insurance plan in your phone. It’s not a bad idea to have a printed copy of this in your cabin as well, but we know our phones rarely leave us. If something happens on the ship or at one of your ports of call, you’ll be able to easily contact us.
World Nomads offers single trip and annual multi-trip plans for Canadian residents that may include travel insurance for cruises to Antarctica. Cheaper isn’t always the best option, though, so do your research and pick the plan that is best for you. If you have any questions about what is covered, don’t hesitate to contact us.
FAQ
Here are our most frequently asked questions about cover for cruises. 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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If cruise insurance is offered by my cruise line, should I buy that?
When you book your cruise, your cruise provider may offer you an opportunity to add cruise insurance at that time. It is important to consider protecting not just the investment of your cruise, though. Also think about all of the other components of your cruise travel vacation. The travel insurance offered by the cruise line may only provide coverage for the cruise itself, and not for any non-refundable prepaid flights and hotel accommodations you booked separately. Be sure to compare your coverage options.
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Do all World Nomads plans include cruise insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include benefits for cruises and may cover a variety of unplanned situations such as trip cancellation, emergency medical expenses, and more. Coverage and maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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Can I get ‘Cancel for Any Reason’ travel insurance for a cruise?
Yes, but the ‘Cancel for Any Reason’ travel insurance coverage isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate (up to maximum benefits as shown in your policy documents).
While trip cancellation benefits are included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents, you’ll only be able to make a claim if you cancel your cruise for covered reasons. Cancel for Any Reason covers any reason – even just changing your mind.
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What is the best travel insurance plan for cruises?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare our plans side by side. Consider how much money you’ve spent on your cruise, as well as the activities you’ll be participating in on the ship and shore excursions. You can then review all of the plans to determine which is the best for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
The ‘Cancel for Any Reason’ travel insurance coverage allows you to cancel for any reason (even just changing your mind), but it isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip, as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate (up to maximum benefits as shown in your policy documents).
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Can I buy cruise insurance when I’m already on my cruise?
Yes, most ships have Wi-Fi available, and you just need a good internet connection to purchase cruise insurance after you’ve already set sail. Just head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging on the pool deck.
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Are cruises to Antarctica covered by travel insurance?
World Nomads offers single and annual multi-trip plans for Canadian residents that include travel insurance benefits for cruises to Antarctica. Since that’s a large investment, pay attention to the length of your cruise (since the Annual plan has a per-trip limit of 14 days), and the levels of coverage available on each plan when you get a quote for travel insurance for your Antarctica cruise. If you have any questions about what is covered, don’t hesitate to contact us.
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What happens if my cruise doesn’t stop at all of the places on my itinerary?
If your cruise does not stop at a scheduled port of call due to inclement weather, a terrorist incident, a medical incident involving another passenger on the ship, or a natural disaster, you may receive a one-time payment for one occurrence of each unforeseen event (up to maximum benefits shown in your policy documents).
The trip inconvenience travel insurance benefit may also help if you are confined for more than 24 hours on the cruise ship operating without power, food, water, and/or restroom facilities.
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 domestic travel
Domestic travel insurance for Brits explained.
- As featured in:
As featured in:
- What are the benefits of domestic trip insurance?
- Trip disruption
- Medical cover
- Personal belongings
- Extra benefits of World Nomads Travel Insurance
- Exclusions of domestic travel insurance
Not all adventures require a passport stamp - sometimes, the best getaways are right on your doorstep. A weekend hiking in Snowdonia, a coastal escape to Cornwall, or a city break in Edinburgh – there’s so much to explore right here in the UK.
But whether you’re hiking the Scottish Highlands, exploring Cornwall’s rugged coastline, or city-hopping from London to Edinburgh, unexpected travel mishaps can still happen.
With a World Nomads Annual Multi-Trip (AMT) policy, you can get cover for domestic trips if you’ve pre-booked and paid for at least two nights of accommodation. Here’s what you need to know about what’s covered and what’s not.
What are the benefits of domestic trip insurance?
Here’s what’s covered (and why it matters).
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Trip disruption
Life happens, and sometimes your trip doesn’t go as planned. Whether it’s a storm cancelling your weekend in the Lake District or a family emergency forcing you to cut a trip short, your insurance may help with:
- Cancelling your trip: If you suddenly fall ill before departure or must cancel for a covered reason, you may be able to claim back non-refundable costs:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
- Cutting your trip short: If you need to return home early, we may help with unused accommodation and travel expenses up to:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
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Medical cover
Yes, the NHS has your back, but that doesn’t mean medical issues won’t derail your trip. Your insurance may help with:
- Medical repatriation: if you break your leg hiking Ben Nevis and need to be moved closer to home for specialist care, your cover may include up to £10,000,000 (Explorer Plan).
- Extra accommodation and travel expenses: Where it is medically necessary following an insured event, we can offer cover for some additional costs incurred. For example, expenses incurred for a friend or family member to travel from the UK to stay with you in hospital.
- Hospital benefit: If you end up admitted for more than 24 hours, you could receive a daily payout to help with extra costs:
- £20 per 24 hours (Standard Plan), max £200
- £50 per 24 hours (Explorer Plan), max £1,000
- Repatriation of remains: In the worst-case scenario, cover includes up to £25,000.
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Personal belongings
Lost bags, stolen wallets, and broken cameras aren’t just international travel problems. If your gear goes missing during your UK trip, you could be covered for:
- Personal baggage: If your luggage is lost or damaged on a train to London, you could claim up to:
- £1,500 (Standard Plan)
- £3,000 (Explorer Plan)
- Single Item Limit £125 per item (Standard) | £250 per item (Explorer)
- Money & travel documents: If your wallet disappears at a music festival, your cover includes:
- Travel documents: £300 (Standard) | £600 (Explorer)
- Money: £0 (Standard) | £200 (Explorer)
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Other cover
- Personal Accident: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £10,000 (Standard Plan)
- £25,000 (Explorer Plan)
- Personal Liability: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £2,000,000 per trip (for all insured persons per policy, per trip)
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Extra Benefits of World Nomads Travel Insurance
SmartDelay™: relax while you wait
Flight delays are a nightmare - especially when you're stuck in an airport with nowhere to sit and overpriced sandwiches for company. That’s where SmartDelay comes in. If your departure is delayed beyond a set time, you may get free access to an airport lounge, where you can stretch out, grab a snack, and wait in comfort.
Exclusions of domestic travel insurance
Travel insurance is a lifesaver when things go wrong - but it doesn’t cover everything under the sun. Your policy spells out the fine print, but here are a few key exclusions to keep in mind:
- Pre-existing conditions: If you’ve had tests or treatment for a condition in the 180 days before buying or extending your policy, it won’t be covered.
- Alcohol & drugs: Had one too many at the pub and ended up in A&E? If an incident happens while under the influence, you’re on your own.
- Illegal activities: If you’re breaking the law and things go sideways, don’t expect your insurance to bail you out.
- Some personal belongings: Items like bikes or sporting equipment (whilst in use), won't be covered under the policy. If you are mountain biking in the Scottish highlands and require cover for your mountain bike, check your policy first.
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 South Africa
What UK Travellers Need to Know About Safety in South Africa
- As featured in:
As featured in:
- Why Should British Travellers Consider Travel Insurance for South Africa?
- Air Doctor: When You Need a Doctor, But Not a Hospital
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- 5 Key Safety & Travel Tips for UK Travellers in South Africa
From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.
Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.
Why Should British Travellers Consider Travel Insurance for South Africa?
While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.
Our Standard and Explorer plans can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
- Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
- Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
- Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
- Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Air Doctor: When You Need a Doctor, But Not a Hospital
A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.
With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.
Ready to explore the wild plains of Africa? Grab your travel insurance quote here.
Annual Multi-Trip (AMT) Policy
If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.
A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:
- Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
- Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
- Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
- Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
- Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!
5 Key Safety & Travel Tips for UK Travellers in South Africa
- Stay street-smart in cities: Petty crime is common, especially in Cape Town and Johannesburg. Avoid flashing valuables, use ATMs inside banks or malls, and take Uber or Bolt instead of street taxis - especially at night.
- Keep your car doors locked: Whether self-driving or in a taxi, keep windows up and doors locked, particularly at traffic lights. Carjackings can happen, so stay alert and avoid stopping in isolated areas.
- Tap water? It depends. It’s generally safe in major cities but stick to bottled or filtered water in rural areas. Avoid ice cubes in smaller towns and be mindful when brushing your teeth.
- Don’t be that tourist: Self-driving through Kruger? Stay in your vehicle when on safari tours. Tempted to feed a monkey for a photo? Don’t - those little guy’s bite. Wildlife is unpredictable, and you’re in their territory.
- Know the common scams: Watch out for fake "helpful locals" at ATMs, taxi drivers claiming your hotel is “fully booked,” and overpriced souvenir shops where guides get a kickback. Trust your instincts and book activities through reputable sources.
Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 India
India for British Nomads—Adventure, Spice & A Few Travel Smarts
- As featured in:
As featured in:
- What does World Nomads travel insurance cover?
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- India travel insurance and safety tips
British nomads have been falling under India’s spell for decades, and it’s easy to see (and smell) why. From the aromatic pull of street-side butter chicken to the age-old spice trails of Kerala, India is a sensory overload in the best way possible. Whether you’re chasing thrills in the Himalayas, riding camels through Rajasthan’s deserts, or stretching into sunrise yoga in Rishikesh, this country delivers an adventure experience like no other.
But let’s get one thing straight - India is incredible, but it’s not always easy. Between unpredictable transport, street food roulette, and the occasional monkey trying to steal your sunglasses, it pays to be prepared. Here’s everything you need to know before diving headfirst into India's chaos, beauty, and magic - from visas and vaccines to safety tips and why travel insurance should be on your research list.
What does World Nomads travel insurance cover?
From haggling in Delhi’s bustling bazaars to watching the sunrise over the Ganges, riding your moped through the bustling streets in Kolkata, or catching a glimpse of the wildlife in India’s famed sanctuaries, there’s no shortage of once-in-a-lifetime moments waiting for British nomads.
But no one wants their memories tainted for the wrong reasons – dealing with a broken leg in a foreign hospital while uninsured (for example) can seriously derail that trip of a lifetime. Rest assured, we’ve got travel insurance designed for the way you roam.
Our Standard and Explorer can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Both our Single Trip Annual Multi-Trip plans can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Trip interruption and cancellation: Flights can be cancelled, trains can run late and monsoons can roll in. Our Trip Interruption Insurance (and SmartDelay™) could be helpful in these unpredictable moments!
- Medical emergencies –Snake bite? A tuk-tuk ride gone wrong? Our travel insurance for overseas emergency medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan) and could be the most valuable asset in your backpack if things don’t go according to plan.
- Non-medical emergencies - Caught a mild case of Delhi Belly but don’t need an emergency room? World Nomads offers access to Air Doctor, so you can connect with a doctor virtually or find one nearby - without the stress of navigating India’s healthcare system. Whether you need a prescription refill, quick medical advice, or treatment for minor issues, Air Doctor makes it easy to get the help you need and get back to exploring.
- Adventure activities: World Nomads offers over 150+ activities, from white-water rafting in Rishikesh to scuba diving in Goa. If adventure is your thing, we’ve got you covered.
- 24/7 Emergency Medical Assistance: Stuck in a medical emergency? Our Emergency Medical Assistance Team is available 24/7, so you’re never alone, no matter where your adventure takes you.
- Personal Belongings: While India’s warmth and hospitality are legendary, it’s still wise to stay alert - especially in crowded markets, train stations, and tourist hotspots where pickpockets are always on the lookout. World Nomads policies offer cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed. If you find yourself in the unfortunate position of having your luggage stolen click HERE to find out the steps you need to take.
Ready to chase the chaos? Grab your travel insurance quote here.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Speaking of policies…don’t just skim over the policy wording – give it a good read. Understand exactly what’s covered (and what’s not) for your planned activities. Some activities might require you to flex some qualifications or licenses or team up with a professional guide. And remember, living on the edge might mean a slight uptick in your policy’s price (for obvious reasons).
Annual Multi-Trip (AMT) Policy
For British travellers who are always on the move, our Annual Multi-Trip (AMT) policy offers the freedom to explore India and beyond without the hassle of arranging new travel insurance for every trip.
Sticking around in India for a while? A Single Trip policy might be the better fit. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
As you gear up for your Indian adventure, keep in mind that while World Nomads travel insurance has your back, it doesn’t cover everything. Here’s a breakdown of what’s outside our safety net:
- Pushing adventure limits: Thinking of free solo climbing in the Himalayas? Not all heroic feats are covered. it is not in our list of covered activities or you skipped the adventure add-on, it’s out of bounds.
- Ignoring medical advice: If you overlook your doctor’s recommendations or ignore guidance from our Emergency Medical Assistance Team, that one’s on you.
- Unattended valuables: Left your camera on a café table in Jaipur or your backpack unzipped on a crowded train? If your valuables are stolen, lost, or damaged while unattended, they’re not covered.
- Risky behaviour: Breaking the law, excessive drinking, or taking part in illegal activities? Your coverage doesn’t extend to reckless choices.
- Cold feet? Decided India’s isn’t for you after all? A change of heart isn’t a covered event.
India travel insurance and safety tips
A riot of colours, flavours, and full-throttle experiences, India is as chaotic as it is captivating - and that’s precisely why British nomads have been drawn here for decades. But…for all the good, there’s a lengthy list of aspects you should be aware of before you touchdown:
- India’s food is legendary, but let’s be honest - your stomach might not be ready for it. If you want to eat like a king without spending a week on the throne (aka toilet), make your food choices wisely. Go for busy stalls where locals eat (a high turnover means fresh food). Avoid anything that looks like it’s been sitting out for hours.
- Tap water? Hard no. Only drink bottled, filtered, or boiled water - and watch out for ice cubes. Rule of thumb: if it’s not cooked or peeled, don’t risk it.
- Pack Western medications for the inevitable. Even if you’re careful, a dodgy stomach can strike. Also, bring rehydration salts, Imodium, and a basic first-aid kit.
- Get your jabs. Ensure you’re current on hepatitis A, typhoid, and tetanus. Malaria tablets might be needed in some regions - check with your GP before you go.
- Public transport in India is an experience in itself. If you value your safety and sanity, avoid budget “non-AC” buses and opt for private or Volvo services instead. When taking taxis or rickshaws, always negotiate your fare before getting in. And if your driver suddenly claims that your destination is “closed” or “fully booked”, be firm - it’s often just a tactic to redirect you to a place where they’ll earn a commission.
- You’ll need a visa before arrival - India doesn’t issue visas for UK citizens upon arrival. But don’t stress - the Indian e-Visa makes things easy.
- India is generally safe, but tourists can be easy targets for scams. Stick to official currency exchanges and count your cash before leaving. Book guides through trusted sources—those "friendly locals" might just be leading you to overpriced shops. Pickpocketing is common in crowded markets and train stations, so keep valuables in a money belt or anti-theft bag. Here are some additional Tips for Traveling Around Safely in India.
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 Germany
Essential travel tips for Canadians heading to Germany
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At a glance
- World Nomads offers four travel insurance plans for your trip to Germany. Plans range from standard to higher-limit protections.
- Coverage may apply to popular German activities like hiking, biking and paragliding.
- Policies for Canadians include protection for medical emergencies, trip cancellations and lost luggage.
Germany has plenty to offer beyond its big cities, though Berlin and Munich are hard to resist. Outside city limits, you’ll find quaint towns, vineyard-strewn valleys and castles rising above forested hills. Whether you’re cycling along the Rhine or hiking in the Bavarian Alps, it’s a destination that will leave you hungry for more. Speaking of which, you’ll find plenty to tempt you, from bratwurst and warm pretzels to regional dishes best paired with a local beer. Whatever kind of trip you’re heading to Germany for, a smooth journey starts with smart planning, including choosing the right level of travel insurance.
Plan Comparisons
Choosing the right travel insurance 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 Germany 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:
Get a quote |
Travel insurance for adventure activities in Germany
Germany has a relaxed approach to adventure, with forest trails, river valleys and alpine peaks inviting you to go at your own pace. Wander through the trails winding through the Black Forest or take advantage of the 11,000km German Cycle Network – it links every region of the country. Hint: Hiring an e-bike makes it easier to venture further, and you can refuel in cafes along the way. In the south, winter transforms the Alps into a playground for skiers, while the warmer months bring lake swims, long-distance hikes, paragliding and canyoning – and more cycling, of course.
Coverage for 250 activities you love + more
Common insurance considerations for Germany
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 insurance 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 to care for your fur baby. Change your mind about travelling? There’s no judgment here.
Missing luggage
Nothing gets a trip off to a rocky start quite like arriving at Frankfurt without your bags. If your checked luggage is lost or delayed, travel insurance benefits may help reimburse you for lost items. Keep original receipts for any personal items you purchase – such as toothbrushes, prescription medication or a change of clothes. The first step is always to report missing luggage to your airline or other common carrier and check what compensation they may provide.
Accidents and medical emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be thankful you sorted your travel insurance before you left home. Hit by a car crossing the street? Fell off your bike in the Black Forest and need stitches? Ate a dodgy bratwurst and came down with a bad bout of food poisoning? Emergency assistance is a phone call away.
Lost or stolen gear
Even the most careful of travellers can face that sinking feeling – realising they’ve left a passport or wallet on the train, or that an opportunist has taken off with their phone or camera without them noticing. Whether you bought the lost or stolen item on your trip (and have the receipts to show for it) or carried it with you from home, travel insurance may be able to reimburse you.
Tips for travelling to Germany
- Watch for pickpockets and bag snatchers in busy city areas – crowded trains and U-Bahn platforms can attract opportunists, so keep valuables secure and bags zipped.
- Resist the temptation to cross the street on a red light, even if there are no cars coming. Jaywalking is considered socially unacceptable and can result in a police fine.
- Carry ID – you may be required to show identification if asked by authorities.
- When driving on the autobahn, avoid treating no-speed-limit sections as an invitation to go as fast as you can. The recommended speed is 130 km/h; exceeding it can increase your liability if there’s an accident.
FAQ
Here are our most frequently asked questions about cover for Germany. 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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Can I drink tap water in Germany?
Yes, tap water in Germany is safe to drink and of a high quality.
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Do Canadians need a visa to visit Germany?
Canadians don’t need a visa for short stays in Germany (up to 90 days within a 180-day period). Entry requirements can change, so check official government advice before you travel.
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Is Germany safe for tourists?
Germany is generally a safe destination, with low levels of violent crime. Petty theft can occur in busy areas, on public transport and at major attractions, so keep valuables secure and stay aware of your surroundings. Check government travel advisories for Canadians heading to Germany before your trip.
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Is healthcare free for tourists in Germany?
Healthcare in Germany is not free for most visitors. While emergency medical treatment may be available, you can be charged for care, making travel insurance important.
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When is the best time to visit Germany?
Late spring to early autumn (May to September) offers the best weather for sightseeing and outdoor activities. December is also popular for its Christmas markets.
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Do I need travel insurance for Germany?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, trip cancellations, trip 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.
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How do I make a 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 +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will 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 Emergency Assistance partners at Travel Guard 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: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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What if my passport gets stolen in Germany?
World Nomads travel insurance 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 policy towards the replacement of your passport or one or more other travel documents mentioned above.
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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 when visiting the United Kingdom
Everything European Travellers Should Know for a Smooth British Getaway
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As featured in:
The United Kingdom, a land where ancient history meets modern charm. You could be tracing the footsteps of literary greats in the Lake District or plunging 160 feet toward the River Tees on a bungee jump, before the cord pulls you back to reality. The United Kingdom truly offers something for every European nomad. Whether your flavour is the buzzing urban streets of London or skydiving over Salisbury Plain, mishaps can happen - having travel insurance as your trusty travel sidekick could be a brilliant idea.
- What does World Nomads travel insurance cover?
- What should I look out for when travelling to the United Kingdom?
- What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
- What's not covered
- FAQs
What does World Nomads travel insurance cover?
With World Nomads, you can select either the Standard Plan for basic travel protection or the Explorer Plan for broader coverage.
Both plans offer coverage for:
Overseas emergency medical: Whether it’s a tumble on a Welsh mountain or a sudden fever in London, World Nomads has your back (literally). Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).
Baggage Protection: Lost your bag in the hustle of Heathrow or had your gear swiped in a packed London Tube station? It happens. World Nomads travel insurance covers European travellers for lost, stolen, or damaged baggage up to policy limits. The Standard Plan provides up to €1,500 in total coverage, while the Explorer Plan offers a more generous limit of €3,000. Baggage delay coverage starts at 24+ hours.
24/7 Emergency Medical Assistance: Emergencies don’t wait, and neither do we. World Nomads’ 24/7 Emergency Medical Assistance Team is on standby to help connect European travellers to medical care, overcome language barriers, or coordinate an urgent evacuation.
Looking for a traveller insurance quote? You can grab one online here.
What should I look out for when travelling to the United Kingdom?
It’s no surprise that Europeans are drawn to the United Kingdom - its constant buzz of excitement pulls thrill-seeking travellers in from all over. But Mother Nature has a way of showing her mood swings, with sudden rainstorms and gusty winds always ready to make an entrance. Travel disruptions can be a real pain, especially when navigating busy transport hubs like Heathrow or London Euston. Thankfully, World Nomads offers cover for unexpected delays and cancellations. So, whether it’s unpredictable weather, strikes, or missed connections throwing off your plans, you can recover non-refundable costs and keep your adventure on track.
SmartDelay™ – the bright side of a flight delay
Look, we know from experience that flight delays are frustrating. But we also know that food makes frustrations a little less stressful. Right? If your flight is held up, we’ll take the edge off by giving you access to the airport lounge, with complimentary drinks and snacks. Please remember to register your flight details at least 24 hours before departure to avail of the service.
Travellers tip: The United Kingdom’s major cities, like London, can have busy rush hours, so consider travelling outside peak times or using apps to navigate public transport efficiently.
What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
Cover for Activities and Sports in The United The United Kingdom
The United Kingdom ’s landscapes are made for adventure, and we cover 150+ sports and activities to match. Planning to hike the dramatic trails of the Lake District, or cycle through the rugged Scottish Highlands? We’ve got you covered (up to policy limits, of course). Planning something more adventurous, like mountaineering or rowing on the Thames? Make sure to specify high-risk activities in your policy for complete coverage.
Air Doctor powered by World Nomads
Left home without your prescription? No worries. With Air Doctor, you can connect with a doctor anywhere in the world for basic healthcare needs. Instead of waiting hours in an Emergency Room, you can have your prescription sent directly to a local chemist for pickup or get treated for non-urgent issues quickly and conveniently. That way, you can get on with exploring the United Kingdom.
Travellers tip: most places in the United Kingdom, from public transport to cafés, accept contactless card payments or mobile wallets – it's an easy way to pay and often quicker than cash. Just make sure you notify your bank before you leave the EU.
What's not covered
While we’ve got you covered for many adventures, travel insurance isn’t designed to cover everything. Some things we don’t cover include:
- Pre-existing medical conditions: sorry, those aren’t covered.
- Unattended belongings: if you leave your gear in a public or unsecured spot, we’re not liable.
- High-risk activities: planning something wild not listed in your policy? You’re on your own.
- Alcohol and drugs: any mishaps while under the influence won’t be covered.
- Unlawful acts: if your claim comes from something illegal or reckless, you’re out of luck.
This is not a complete list of what’s covered and what’s not; please check your policy for terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need travel insurance for the United Kingdom from the EU?
Travel insurance isn’t a prerequisite for European travellers heading to the United Kingdom. However, it could protect you from costly surprises, like emergency medical care or travel delays.
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Will travel insurance cover medical costs in the United Kingdom ?
Absolutely. All World Nomads travel insurance policies cover emergency medical expenses in the United Kingdom, from hospital stays to urgent care. Just make sure to review your plan for full details.
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Can I extend my travel insurance if I decide to stay in the United Kingdom longer?
Yes, you can extend your World Nomads travel insurance if you decide to prolong your stay in the United Kingdom. Simply log into your World Nomads membership before your current policy expires to purchase an extension, before your current policy expires.
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I’m already in the United Kingdom, can I get travel insurance?
Yes, you can purchase travel insurance even after arriving in the United Kingdom . World Nomads offers flexible policies that can be bought online from anywhere, anytime. Please note that a waiting period of up to 72 hours may apply before full coverage begins, and any period of travel before this is not 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?
- 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 teamTravel Insurance for Digital Nomads
Protecting Europeans’ tech gear on the go
- As featured in:
As featured in:
Picture this: you’re a European digital nomad soaking up the sun in Lisbon while wrapping up a project. But then, the unexpected strikes—your phone’s stolen, or you come down with a fever. Suddenly, your carefree work-travel balance is thrown off. This may just be the moment you’re grateful for packing the travel insurance in with all your travel essentials.
- Why should I consider travel insurance when travelling as a digital nomad?
- Does travel insurance for digital nomads cover my tech?
- What are the benefits of World Nomads travel insurance when working abroad?
- What's not covered by travel insurance for digital nomads?
- FAQs
Why should I consider travel insurance when travelling as a digital nomad?
With an unpredictable lifestyle comes, well…unpredictability. As a digital nomad, your tech gear and health are everything, and an unexpected hiccup ruins more than your day—it affects your work. No one wants that. Or perhaps your job involves travelling between Schengen countries? Even a short trip from Paris to Madrid can come with unexpected issues. With the right digital nomad insurance cover, Europeans can work and wander the world without worrying about what could go wrong.
Does travel insurance for digital nomads cover my tech?
As a digital nomad from the EU, your tech gear is more than just equipment; it's your livelihood. Having your lappy stolen at the Amsterdam Schiphol Airport while waiting for your connection, or your phone damaged in an unexpected storm at the Algarve in Portugal can throw your entire routine into chaos. Our Standard and Explorer policies may cover the reimbursement of your devices if they’re stolen, lost, or damaged while under your supervision.
Our coverage extends to a wide range of gadgets and valuables, including:
- Mobile phones
- Photographic equipment
- Binoculars, telescopes
- Computers and accessories (like laptops and gaming gear)
- Tablets and e-readers
- Audio equipment (like headphones and speakers)
- Drones and GPS devices
Travellers tip: Always keep your receipts—hard copies or digital—for any gadgets you buy, whether before or during your travels. These can be essential if you need to make a claim. And remember to back up important travel documents, ID, and other details for extra security.
What are the benefits of World Nomads travel insurance when working abroad?
Medical Coverage and Emergency Medical Assistance
From hiking mishaps in the Austrian Alps to a bad case of food poisoning in Istanbul, medical emergencies can strike European digital nomads at the worst times. World Nomads travel insurance can cover overseas medical expenses, hospital stays, and emergency repatriation if required. With 24/7 emergency medical assistance, you’ll get the support you need, no matter where your adventures take you.
Cover for more than 150 sports and activities
Work hard, play harder—that’s the motto for any European adventure-loving digital nomad. With mountains to climb, rivers to kayak, and waves to surf, World Nomads understands you don’t want to limit your travels to just working, which is why we offer coverage for more than 150 sports and activities. Just make sure you’re aware of any specific coverage needs for high-adrenaline sports in your chosen destination.
Smart Delay
No one likes to hear the words ‘flight delay,’ especially when you’re already juggling work commitments and travel plans. Thankfully, Smart Delay by World Nomads turns that frustration into a little luxury. If your flight is delayed by 90 minutes or more, we’ll send you a LoungeKey™ pass, giving you access to over 1,500 airport lounges. It’s the perfect way to stay productive or simply relax while waiting. Ensure that before you travel (at least 24 hours), you register your flight with SmartDelay to avail of the service.
Travellers tip: Cyberattacks and identity theft are real threats when you’re on the move. Keep your data safe: use strong passwords, encrypt your laptop, and install antivirus software, skip public Wi-Fi where you can.
For more digital nomad tips, check out our article, 6 Travel Tips for Digital Nomads. Or if you’re ready to pack the gear and go, get a quote today and make that digital nomad dream a reality.
What's not covered by travel insurance for digital nomads?
Sorry, but even the best travel insurance has its limits. Here’s some examples of what’s not on the list:
- Considering leaving your laptop unattended while swimming in the crystal-clear waters of the Croatian coast? If it goes missing, that one’s on you.
- Device malfunction or wear and tear? That’s a conversation for your manufacturer, not your travel insurer.
- Placing your gadgets in checked luggage? If they’re damaged or stolen, they won’t be covered.
- No receipt or record of ownership for your items? We can’t reimburse you without it.
- Fail to report stolen or lost items to local authorities or venue management? We won’t be able to process your claim.
This is not a complete list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re unsure if something is covered or how to claim, contact us, and we’ll let you know.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in a foreign country.
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If my electronics have an expired warranty, can I claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation is the amount we deduct from your overall claim based on the wear and tear of the item. The age and type of item are factors used to calculate the depreciation amount.
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Why won’t you cover my tech devices if they’re checked in with an airline?
Electronics are fragile, and checked-in luggage can easily be damaged.
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What if I don’t have receipts for all of my items?
You can file a claim but still need to show proof of ownership. Read our Help Center article for more information on what to do if you don’t have documentation.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Vietnam is a land of breathtaking landscapes, vibrant culture, and mouthwatering cuisine. Whether you're wandering through Hanoi's bustling streets, cruising Halong Bay, or exploring the lush Mekong Delta, Vietnam offers something for every traveller. But as with any international trip, having the right travel insurance should be top of mind throughout your journey.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- Why consider travel insurance for Vietnam?
- What’s not covered
- Safety and travel tips for Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Medical emergencies: Healthcare costs can add up quickly in a foreign country. If you fall ill or get injured, travel insurance covers medical expenses, including evacuation if necessary.
- Trip cancellations or delays: Unforeseen events like flight cancellations or delays can disrupt your plans. World Nomads can help you recoup non-refundable expenses.
- Adventure activities: Planning to go motorbiking through Vietnam or exploring its caves? World Nomads offers coverage for a variety of adventure activities.
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need. If you’re not sure about something, you can contact our customer service team.
Why consider travel insurance for Vietnam?
Travel insurance provides coverage for unexpected events that can disrupt your trip. From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go quite right on your Vietnam trip.
Imagine hiking the Fansipan mountain and you trip and injure yourself, requiring a local hospital transfer or even medical evacuation. Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. We may help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Safety and travel tips for Vietnam
- Beware of traffic chaos: Traffic in cities like Hanoi can be overwhelming. Stay vigilant when crossing streets.
- Drink responsibly: Vietnam’s nightlife is exciting, but always keep an eye on your drinks to avoid spiking.
- Stay hydrated: Vietnam’s tropical climate can be draining. Carry bottled water to avoid dehydration.
- Secure your belongings: Petty theft can happen in tourist areas. Use anti-theft bags and avoid displaying valuables.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online. You can even purchase coverage after you’ve already left New Zealand for your trip.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
FAQ
Here are our most frequently asked questions about buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need a visa to go to Vietnam from New Zealand?
Yes, New Zealand passport holders need a visa to enter Vietnam. You can apply online for an e-visa or through the Vietnamese Embassy.
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Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your Policy Document details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
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Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
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Does travel insurance cover pre-existing medical conditions?
New Zealand travellers may be covered for up to 40 existing medical conditions. To find out whether or not you are covered or a specific existing medical condition check out our FAQ which has all of the information you need. Be sure to disclose your health history when purchasing a policy.
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 Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Whether you’re cruising Ha Long Bay, trekking in Sapa’s terraced hills, or wandering the lantern-lit streets of Hoi An, Vietnam is a blend of vibrant cities, lush landscapes, and rich traditions. If you’re visiting the Land of the Blue Dragon, consider packing travel insurance to help keep your trip on track.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- How can travel insurance help when travelling to Vietnam?
- What’s not covered
- Handy tips when travelling to Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Overseas medical emergencies and hospital expenses
- Baggage and personal belongings
- Travel delays and trip interruption
- More than 150 activities and experiences
- Trip cancellation
- Extended stays
- Family coverage plans
- Coronavirus-related events
- And many more optional benefits…
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need.
How can travel insurance help when travelling to Vietnam?
Vietnam is an adventurer’s paradise, but even the best-planned trips can encounter unexpected hiccups. Imagine hiking the Fansipan mountain when you trip and injure yourself, requiring a local hospital transfer or even medical evacuation.
Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. Travel insurance can help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go right on your Vietnam trip.
Get a quote 24/7
With World Nomads you can get an instant quote anytime, anywhere, before you leave Australia or while you’re on the road.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Handy tips when travelling in Vietnam
- Stay safe on scooters
Our policies offer cover for cover riding on scooters and motorbikes as long as you always wear a helmet, you have a valid license for the same type of vehicle in Australia and as required in Vietnam, and you follow local laws. If you’re a passenger, make sure the driver has a valid license and you’re both wearing helmets. Check out our detailed guide on motorbiking in Vietnam.
- Best time to visit Vietnam
Vietnam is a wonderful destination to visit year-round. July and August are the best time for beach trips, December to March brings cooler temperatures perfect for bustling city visits, and the low season allows a more timid look at this vibrant country.
- How to avoid gastro
It’s advisable to avoid drinking tap water while in Vietnam. Water can be contaminated and can result in gastrointestinal upset and other more serious disease such as hepatitis A and typhoid. It’s best to avoid raw fruits and vegetables with the skin on, as well as ice cubes in your drinks.
- Be aware of petty crime
While Vietnam is generally a safe place to travel, low level crime does exist.
As with many other destinations petty crime remains an issue in Vietnam. Stay alert and keep your belongings close.
- We’re here to help 24/7
If you experience an emergency and need help while travelling in Vietnam, our multi-lingual team is here to help 24/7. We can direct you to the nearest hospital, organise medical transport and even consult with your family back home.
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
FAQ
Here are our most frequently asked questions about buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my travel insurance cover my medical costs upfront?
It depends. If you’re in an emergency situation that requires medical evacuation, we may cover these costs upfront provided the incident is covered by your policy. Contact us for more information.
-
Do I need a visa to travel to Vietnam from Australia?
Yes, you need a visa to travel to Vietnam from Australia. You can apply for a visa online for tourism or business purposes. You can also request a visa at the airport on the day of travel, but this is more expensive. Your passport must be valid for at least six months after your planned stay and have at least one blank visa page. Check with your travel adviser prior to departure.
-
Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your PDS details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
-
Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team