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.

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

1. Beware of traffic chaos: Traffic in cities like Hanoi can be overwhelming. Stay vigilant when crossing streets.
2. Drink responsibly: Vietnam’s nightlife is exciting, but always keep an eye on your drinks to avoid spiking.
3. Stay hydrated: Vietnam’s tropical climate can be draining. Carry bottled water to avoid dehydration.
4. 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.

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

1. 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.

2. 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.

3. 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.

4. 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.

5. 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

• Do I need travel insurance for Singapore?
• Travel insurance for activities in Singapore
• Travel insurance for medical emergencies in Singapore
• Travel insurance for lost and stolen luggage in Singapore
• Travel insurance for cancelled, interrupted, or delayed trips to Singapore
• Tips for travelling to Singapore from Canada

What’s the first thing that comes to mind when you think of Singapore? The futuristic gardens at Gardens by the Bay, the sweeping views from the Marina Bay Sands Skypark, and the tropical gardens of spots like Bukit Timah Nature Reserve come to mind for us.

The tiny city-state of Singapore has been a major trading hub for more than 700 years, and the relics from the millions who have passed through make it a fascinating place for foodies and history buffs. Dig into the multicultural cuisine and tasty street food in Chinatown, explore the colorful streets and Hindu temples of Little India, and learn about the Malay influences in Kampong Glam. Whether you’re using it as a stopover before travelling further into Southeast Asia or are dedicating your entire vacation to Singapore, the country offers an exciting mix of lush nature, modern city-life, and diverse culture in a compact space.

As beautiful and fun as Singapore is, you can bet we’ve seen all sorts of travel insurance claims from Canadians travelling there. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote and purchase travel insurance for Singapore before you set forth on your journey.    

Do I need travel insurance for Singapore?

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft of your baggage or a missed connection due to inclement weather that grounds your flight, for example.

Travel insurance for Singapore can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as paddle boarding at Sentosa Island.

Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip. 

We have two plans to choose from for different types of travellers and adventures.

Travel insurance for activities in Singapore

Whether you’re planning to sail around Marina Bay Sands or hike the coast-to-coast trail on the island, World Nomads travel insurance covers Canadians for over 250 activities in Singapore.

Kayaking through mangroves in Pulau Ubin, spending a day enjoying the waterslides at Adventure Cove Water Park, and cycling around the island’s urban and coastal routes are all covered under travel insurance for Singapore.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.

Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. To have coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium at the time you purchase your policy. 

Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording. 

Travel insurance for medical emergencies in Singapore

If you have an accident and injure yourself while windsurfing or jet skiing in East Coast Park, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Singapore.

In a medical emergency, the first thing you must do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible or have someone call on your behalf. 

The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Singapore, including assisting you with finding the best places to seek medical treatment.

Travel insurance for lost luggage in Singapore

Lost or stolen bags is never something we plan for, but these things do happen. Did you land in Changi but your bag—packed with your new swimsuit and favorite sundress for your tropical holiday—never showed up on the carrousel? The first step is to contact the airline.

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens and your bag is delayed for more than 12 hours or more, your travel insurance for Singapore may reimburse you for a change of clothes and toiletries, until you and your bag are reunited. 

Singapore is generally considered very safe and has one of the lowest crime rates in the world. However, pickpocketing or theft can happen anywhere, and it is important to keep an eye on your belongings in crowded tourist areas or public transportation. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. The Standard and Explorer plans each have different limits. 

Travel insurance for cancelled, interrupted, or delayed trips to Singapore

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable travel expenses should an unforeseen (and covered) event happen. 

Trip cancellation and Trip interruption coverage can help protect you in case of emergencies before your leave, or back home in Canada after you’ve departed. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, pre-paid travel expenses (up to plan limits) that you can no longer use.

Tips for travelling to Singapore from Canada

As much as you may have planned each detail of your Singaporean adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Singapore before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

While English is widely spoken, know that as a multicultural country, several languages are spoken including Chinese, Malay, and Tamil.

Singapore is known for having strict rules, from a ban on chewing gum and on smoking in public places, to strict laws against littering and a zero-tolerance policy towards drugs. Breaking the law can result in a minor fine or a more severe punishment. Read up on these laws beforehand so you can respect the local culture, avoid any unnecessary obstacles, and relax during your vacation! Travel insurance won’t cover you if you are involved in a criminal act.

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions, just ask us. 

• Do I need travel insurance for Nepal
• Travel insurance for activities in Nepal
• Travel insurance for mediacl emergencies in Nepal
• Travel insurance for scams in Nepal
• Travel insurance for lost bags in Nepal
• Travel insurance for cancelled, interrupted or, delayed trips to Nepal
• Tips for travelling to Nepal from Canada

What’s the first thing that comes to mind when you think of Nepal? Snow-capped mountains, Buddhist temples, and a welcoming, friendly culture all come to mind for us. Travellers also come to search for tigers and rhinos on safari in one of Nepal’s national parks, join a meditation retreat, relax in Pokhara, stay with a local family in farming villages, experience a religious ceremony or cultural festival, and sample Nepalese dishes like momos and dal bhat. Whatever your dream vacation looks like, Nepal is a place of endless adventure and rich culture.  

With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Canadians in Nepal. While we’ve had the best times in Nepal, international travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance for Nepal before you set forth on your journey.     

Do I need travel insurance for Nepal?   

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like medical emergencies or bad weather causing a missed connection.  

Travel insurance for Nepal can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as an injury sustained while hiking on the multi-day Manaslu Circuit or one of Nepal’s other great treks.  

 We have two plans to choose from for different types of travellers and adventures. You might notice that our travel insurance plans for Nepal ring in at a higher cost than our insurance plans for other destinations. This is due to the inherent risk of high altitude climbing, which is one of the main reasons our nomads go to Nepal.    

World Nomads travel insurance can provide coverage for hiking up to 6,000 metres. 

Travel insurance for activities in Nepal 

Whether you’re planning to hike to Everest Base Camp or go white water rafting on Trishuli River, World Nomads travel insurance covers Canadians for over 250 activities in Nepal. Day hikes and multi-day treks in the Himalayas, safari excursions in Chitwan, and paragliding in Pokhara are all covered under travel insurance for Nepal too.   

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case. 

Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. For coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need upgrade your adventure sports coverage and pay an extra premium. High elevation trekking to popular spots like Everest Base Camp, Annapurna Base Camp, and the Manaslu Circuit all require Level 3 coverage, as they involve hiking in altitudes over 3,000 meters. Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.   

Travel insurance for medical emergencies in Nepal 

In Nepal, the healthcare system may not be what you are familiar with back home. It can be particularly difficult to access reliable health care in rural areas, especially remote regions of the Himalayas. You can protect yourself from emergency medical expenses by purchasing a travel insurance plan for Nepal.  

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.  

Travel insurance for Nepal also may cover medical evacuation and repatriation insurance, if our Emergency Assistance Team or your treating Physician recommends you return Canada because of your medical condition after you’ve received medical treatment. In the event that you need an air ambulance from the mountains to transport you to the nearest qualified medical service provider, you must receive approval from the 24/7 Emergency Assistance Teams first. The team knows which evacuation companies are reliable and safe; we know of several scams operating in this space. Without prior approval, you will not be reimbursed for the cost of the flight. The emergency assistance team can also help you determine whether your injury or illness qualifies for a trip down the mountain. Be aware that some local companies might scam you into believing your injury is worse than it is to drive up costs. Remember, you must contact our Emergency Assistance Team before seeking medical attention, emergency evacuation or repatriation, unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.  

Travel insurance for scams in Nepal 

Nepal is a stunning destination for adventure and cultural experiences, but there are some things to be aware of when visiting. Travellers sometimes can encounter scams that can derail your plans and impact your trip. Unfortunately, these scams are not covered by travel insurance.  

One common scam travellers to Nepal have encountered is an evacuation and helicopter scam. Trekking companies may offer a cheap trekking excursion but manipulate you into signing a form agreeing to helicopter evacuation. It’s helpful to do some advance research on potential trekking companies and read reviews to ensure the company you’re trekking with is trustworthy and legitimate.  

Another potential scam is with taxis. If you grab a taxi off the street, either insist they use the meter or agree on a price beforehand, to prevent them from driving long routes or pretending that the meter is broken to drive up the costs. You also might encounter people on the street offering to show you around and then demanding money for their tour guides services. Nepal is generally a safe and welcoming country and using common sense can go a long way to help you avoid scams.  

Travel insurance for lost bags in Nepal 

Whether the airline lost your luggage, or your purse was stolen, lost bags can happen during travel. Did you land in Kathmandu but your bag—packed with your hiking boots and trekking gear—didn’t? The first step is to contact the airline.   

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, your travel insurance for Nepal could still reimburse you for a change of clothes and toiletries, and maybe even new trekking gear, until you and your bag are reunited.  

Travel insurance for cancelled, interrupted, or delayed trips to Nepal   

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses.  

We never anticipate natural disasters interrupting our trip to Nepal, but they can happen. Earthquakes are a potential risk, which can also trigger avalanches in the mountains. Monsoon season typically hits from July through September in Nepal, and heavy rains have been known to cause extreme floods and landslides. Storms and natural disasters are impossible to predict so the best thing you can do is protect yourself with travel insurance for Nepal.  

If you bought your travel insurance plan prior to a natural disaster developing into a major event, your travel insurance for Nepal may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster. Also, if after you’ve purchased your travel insurance policy, the Canadian Government issues travel advisory advising Canadians to avoid travel to a destination, country or region listed on your itinerary, you may be eligible for trip cancellation or trip interruption benefits.  

Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in Canada. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement (subject to plan limits) of your prepaid, unused hotel expenses or airfare that you can no longer use.   

Tips for travelling to Nepal from Canada   

As much as you may have planned each detail of your Nepalese adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Nepal before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.   

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few Nepalese phrases will go a long way too.    

Finally, we recommend checking out our travel tips for Nepal, to help prepare you with some basic etiquette to respect local culture. You may also want to read up on some extraordinary experiences for some inspiration and read our packing list tips, to make sure you’re prepared for your trek.  

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us. 

Indonesia’s the world's largest archipelago to form a single state – where emerald jungles meet sprawling rice terraces and volcanic landscapes. From Yogyakarta's vibrant streets to the Gili islands' serene shores, Indonesia’s a tapestry of diverse experiences waiting to be discovered. But, with such adventures comes the unexpected, which is why you may consider packing some travel insurance before setting off to wander Jakarta’s markets, surf Bali's waves, or trek Sumatra's lush trails.  

• What's covered
• What's not covered
• FAQs

What’s covered 

At World Nomads, we try to keep insurance simple so you can focus on enjoying your time abroad. We offer two insurance plans: Standard and Explorer – our Standard Plan offers a base level of coverage, and our Explorer Plan offers coverage with more benefits and higher limits.  

Depending on your Country of Residence, your travel insurance plan can offer cover for: 

• Delayed, lost, or stolen baggage and personal effects: Heading to Indonesia with checked bags? There's a slim chance they might go on an unplanned tour. No sweat – our delay benefits can cover essential items (think basic clothing and toiletries) until your baggage finds its way back to you. And if your gear’s lost or pinched? We’re here to help (after you’ve gone through other necessary channels first). Want to know more about World Nomads travel insurance cover for baggage and personal effects? We have an entire article here.  
• Trip cancellation and trip interruption: World Nomads travel insurance for trip interruption might have you covered for unexpected trip cancellations to Indonesia – think family emergencies or a doctor-advised travel halt. On the road and need to head back home early? Our policy could cover your return and any non-refundable costs. Just remember, keep those receipts and docs for any claims!  
• Overseas medical emergencies and hospital expenses: No one plans to go to Bali and get Bali Belly, yet…we all know it happens. Problem is, your usual health insurance may not cover you abroad, and medical expenses can be costly. Both our Standard and Explorer plans offer overseas medical travel insurance coverage.  
• Cover for 150+ adventure sports and activities: If you’re a fan of getting the adrenaline pumping while holidaying abroad, then Indonesia’s got the goods for you. Diving in Komodo Park, or jungle trekking in Borneo? You may be covered. With World Nomads, you're covered for over 150 adventure sports and activities. But, before you dive into Indonesia's natural wonders, make sure to check your policy to ensure your action-seeking pursuits are included. 

Whether you're temple-hopping in Bali or diving in Raja Ampat, choosing the right level of coverage is key. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan.

Need a quote? You can get one online, before you leave your country of residence or when you’re already in Indonesia.   

Trekking at Mount Bromo at sunrise. Photo credit: Getty Images/Martin Puddy

What’s not covered 

Remember, travel insurance isn't a catch-all safety net. Our goal at World Nomads is to be there for you when you need us most, but there are a few things that fall outside of our policies: 

• Off the list activities and sports: If it's not in our policy wording or you haven't opted for that extra cover, those adventurous pursuits aren't covered. 
• Doctor's orders: Ignoring advice from your doctor or our 24/7 Emergency Assistance Team? That's a no-go for coverage. 
• Valuables on the loose: Items that get lost, stolen, or damaged because they were left unwatched? We can't cover those. 
• Risky business: Taking unnecessary risks, breaking local laws, or misbehaving while under the influence of drugs or alcohol? It’s not only dumb, it’s also not covered. 
• Unclaimed expenses: If you haven't tried to get back costs from other sources like carriers or booking agents, we can't step in. 
• Change of heart: Decided not to travel? That's a personal choice we can't cover. 

This is just a quick rundown. To really get into the nitty-gritty of what's covered (and what's not), give your policy wording a thorough read. It's the best way to know exactly where you stand with your travel insurance. Still not sure? Contact us. We’re happy to help.  

Pura Ulun Danu Bratan, a Hindu temple on Bratan lake Photo credit: Getty Images/TravelCouples