Travel insurance for road trips
Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance
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Hitting the road? Get your travel insurance sorted with World Nomads
Road trips are a great way to experience local culture, see sights off the beaten track and immerse yourself in your travel destination. But there can be a lot of unknowns driving in a foreign country and it pays to research and plan ahead.
- Good News: World Nomads can cover your Road Trip
- Choosing the right policy for you
- What's covered on road trips?
- What's not covered on road trips?
- Handy tips for a safe and fun road trip
Good News: World Nomads can cover your road trip
One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Our Travel insurance is designed by travelers for travelers, and our policies can cover some key benefits to make sure you’re protected on the open road.
Choosing the right policy for you
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific plans.
What’s covered on road trips?
Depending on the plan you choose and your Country of Residence, our policies can offer cover (up to policy limits) for:
Sudden trip cancellations
Anything from an unexpected illness, a car accident or even jury duty can prevent you from going on your road trip. Trip Cancellation can offer cover for some of your pre-paid, non-refundable deposits if an emergency happens.
Unexpected medical emergencies on the road
Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. That's why our plans cover emergency medical expenses in the times when you're most vulnerable – when you're sick, get into an accident or get hurt.
Your cross-country adventure may take you far from medical help, and if you need emergency evacuation our policies can also cover you.
Emergency assistance 24/7
When you’re in an unfamiliar place, it’s hard to know where to go for help. Buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Whether you’re stranded in the middle of nowhere, or need urgent medical attention, our Emergency Assistance team can facilitate a range of services in most parts of the world where you may be traveling.
Rental car insurance for vehicle damage
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your Country of Residence and your choice of a Standard or Explorer plan. Check the details of your plan for restrictions on vehicle types: RVs, motorbikes, and luxury-model cars may not be covered.
Road trip interruptions and delay
Don’t let an incident throw a wrench in your driving plans - our trip interruption coverage can help salvage your pre-paid, non-refundable trip expenses that you’ve had to forfeit because of a covered event that has disrupted your travels.
You may also need help getting your trip back on track. If you get delayed, you may need a hotel or a meal as you catch up to your itinerary. Check your policy for any conditions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason.
If you’re not sure what you’re covered for, contact us.
Protection for stolen belongings and baggage
You may have camping gear in your trunk, sunglasses in your glove compartment or your wallet hidden in the back of the seat pocket. Unfortunately, thieves can be crafty enough to dodge security measures and get into locked spaces.
With our travel insurance, you may be able make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply so be sure to check the policy wording and contact us if you have any questions.
Cover for more than 150 activities, sports and experiences
Road trips give you the flexibility to expand your adventures. Our policies cover more than 150 activities, sports and experiences including hiking, camping and surfing.
If you’re not sure whether the activity you want to do is covered, or have any questions about your policy, just ask us.
What’s not covered on road trips?
Our policies aren’t designed to cover everything, and exclusions include but are not limited to:
- Pre-existing conditions, including illness, disease or other medical condition for which you’ve previously shown symptoms or been treated for. Read your policy wording for more details.
- Fancy Vehicles: Some of our plans offer coverage for rental car damage, but not for high-end cars, camper cars or RVs.
- Alcohol and drug related incidents that are a result of acting irresponsibly under any sort of intoxication or influence.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment, and musical instruments.
Handy tips for a safe and fun road trip
- Be sure to drive to the conditions – take your time, especially on unfamiliar roads.
- Don’t ever drink alcohol and drive, not only is it extremely dangerous but it could invalidate your policy
- Don’t leave valuable items in the car, even for a short time.
- Have your GPS handy and bring back-up directions.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medication?
- Suddenly sick?
- Accidentally injured?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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 Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
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- What's covered when traveling in Mexico
- Pickpockets and petty crime in Mexico
- What if I experience a medical emergency in Mexico?
- Make sure you're covered for adventure sports
- I'm going to Mexico for Scuba Diving, am I covered?
- What's not covered while traveling in Mexico?
- Want more travel inspo for your Mexican adventure?
Spanning almost 760,000mi² (2 million km²), with landscapes that range from snow-capped volcanos to dense rainforest, and a cultural mix that’s equally diverse, Mexico is a place brimming with art, history, wildlife, adventure and plenty of inspiration.
Despite Mexico’s reputation as a place of crime and drug violence in recent years, don’t be deterred from experiencing one of the world’s most colorful and amazing cultures. Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
What’s covered when traveling in Mexico
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling. All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Pickpockets and petty crime in Mexico
You’re wandering the stalls of the La Lagunilla markets and reach into your pocket to get your wallet and realise it’s not there.
Theft is one of our most common travel insurance claims by travelers in Mexico. But the good news is that all World Nomads travel insurance plans offer some coverage for theft or lost luggage checked into a common carrier. Per item and total maximum benefits may apply and be sure to check your policy wording for excluded items.
To file a claim, you’ll need a police report or other written documentation such as a property irregularity report from your common carrier.
Traveler tip: you should carry your electronics, passport, and valuables with you at all times. Don’t leave them in the car or in your luggage. Lock up your belongings securely when you can’t take them with you.
What if I experience a medical emergency in Mexico?
All of our policies offer cover for medical emergencies whilst traveling overseas. If you fall ill with food poisoning, or have an accident whilst on an adventure, we’re here to help.
If you experience a medical emergency whilst on holiday in Mexico, our 24/7 Emergency Assistance team can get you help on the ground with translation services when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
If you require any medical treatment on your trip, be sure to get reports, documentation and keep all receipts, as you will need these to support your claim.
As avid adventurers ourselves, we know that your adventures in Mexico may take you far from medical facilities, and our policies may also cover you for emergency evacuation and repatriation.
Note: Get in touch with the EA team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or where medical evacuation is required. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Traveler tip: stick to purified water, or use purification tablets, and follow your doctor’s advice for any other health recommendations. These preventative steps could save you a lot of trouble.
Make sure you’re covered for adventure sports
Whether you are scuba diving in Socorro, rafting in Veracruz or hiking in Cumbres Del Ajusco National Park, World Nomads covers you for more than 150 activities, adventures and sports.
Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: treks may only be covered up to a certain elevation, or scuba dives only to a certain depth for example.
Traveler tip: make copies of all key documents you’ll be traveling with – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
I’m going to Mexico for Scuba Diving, am I covered?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. However, your coverage depends on your Country of Residence. Some of our plans may have exclusions for certain types of diving or dives of a certain depth, and you may need to upgrade your policy and coverage depending on the types of diving you will be doing.
Be sure to read your individual policy for terms and conditions, limitations and exclusions and if you’re unsure whether you’re covered, just contact us.
Traveler tip: most of the time, things are pretty calm in Mexico, but riptides and big swells are a potential danger on either side of the country, so check conditions before you scuba dive or swim and don’t go anywhere that has been closed off by authorities. Keep an eye on travel advisories, especially during hurricane season.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.
What’s not covered while traveling in Mexico?
Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.)
- Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
- Any adventure activities or sports that aren’t covered by our policies.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
- 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
Want more travel inspo for your Mexican adventure?
Check out our handy guides and tips to get the insider scoop on the best adventures in Mexico:
- Southern Baja, Mexico: Exploring Beyond Los Cabos
- 5 things I wish I knew before going to Mexico
- Mexico Travel: 6 ways to get off the beaten path
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions outlined in the policy wording. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, get in touch.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medication?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Hurt abroad?
- Need to get to a hospital urgently?
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Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamHow the COVID-19 vaccine could impact your travel plans
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I've taken the COVID-19 vaccine – can I travel without a worry now?
- Sharpen your pencil
- Travel vaccinations are not a new thing
- Don’t risk being turned back at the airport
- Check your carriers travel rules
- The vaccine is not a silver bullet
- Travel insurance and vaccinations
Yes and no. ‘Expect the best but prepare for the worst’ might as well be the new motto for traveling during COVID-19. Many of us see the arrival of the COVID-19 vaccine as key to opening the gates to travel again, and to an extent this is true. However, your travels may require a few extra precautions.
Deciding to get the COVID-19 vaccine (a decision that is totally up to you) may play a big part in how smoothly you want your future holiday plans to go. It’s becoming increasingly clear that the current travel restrictions and requirements (e.g. a negative COVID-19 Polymerase Chain Reaction (PCR) test, and quarantine) will remain in place until most people globally have been vaccinated against COVID and we reach optimal herd immunity levels.
Many countries are mulling over the idea of making it mandatory to be vaccinated or making it easier for those that have been vaccinated to travel. As a result, only once you’ve been vaccinated will you be allowed entry into some highly sought-after destinations. Also, some countries may allow entry without needing to quarantine for a long period of time, or in some cases not at all. However, this will depend on each country's vaccine and entry requirements which are changing every day, so make sure you stay up to date prior to traveling.
Benefits of taking the COVID-19 vaccine include keeping yourself and your loved ones healthy, stopping the spread of the virus, but could also lead to easy access to major tourist attractions and events and the ability to stay at particular hotels or fly with certain airlines.
What to keep in mind if you’re thinking of getting the COVID-19 vaccine
Tip 1: Sharpen your pencil
Be prepared to comply with a pile of paperwork to be allowed into some countries. Research where you’re traveling to to find out if you'll need to provide evidence that you’ve been vaccinated, whether you'll need to pay fees or provide a stack of documents letting you enter your intended destination. You may also need to prove that you can pay for medical expenses and the cost of any applicable mandatory quarantine.
Tip 2: Travel vaccinations are not a new thing
Many countries have required travelers to be vaccinated against various illnesses for decades. We advise you to check with consulate, health (such as the World Health Organisation) and government authorities of the countries you're intending to visit. Some countries require proof of vaccination for some conditions before you're allowed entry and COVID-19 will most likely be no different. Make sure you keep a record with you in case it is needed.
Tip 3: Don’t risk being turned back at the airport
You will need to abide by any country or regions’ rules regardless of whether you have received the vaccine or not. This could mean paying for supplemental travel insurance, applying for special tourist visas, and providing written proof that you’ve been vaccinated.
Tip 4: Check your carriers travel rules
Your airline may require you to receive the vaccine whether you want to or not. For example, Qantas has already announced all travelers will need to be vaccinated for any overseas travel and many other airlines may follow suit.
Tip 5: The vaccine is not a silver bullet
Some unknowns include how well the vaccine will combat the virus, prevent infection and reduce the rate of transmission. Another is how effective the uptake of the vaccine will be in the countries you’re intending to travel to and when they will receive it, both which will impact where you’ll be able to go and when.
When looking to travel overseas, it’s always a safe bet to consider whether travel insurance may be right for you, as there are a number of activities and events you may be covered for that do not relate to COVID-19. For example, you may be covered if your luggage is stolen or lost by the carrier, if you need to cancel or interrupt your trip, or if you fall ill or are injured and need to go to hospital for treatment, as well as several other events.
Travel insurance and vaccinations
With the COVID-19 vaccine rollout now underway we’ve found it timely to clarify some queries from our travellers about the vaccine and how it may impact your travel plans and your travel insurance.
1. Will my travel insurance cover the cost of vaccinations and my associated expenses if I’m already traveling?
No. overseas medical travel insurance is for unexpected medical emergencies only. Vaccines are not unexpected as they are preventative in nature.
2. Will travel insurance cover the cost of vaccination before I leave home?
No. Travel insurance is precisely that - it is for when you are traveling abroad or, if you’re from the US or Canada, traveling more than 100 miles from your home. We don’t cover medical costs in your home country. If you decide to take the COVID vaccine before traveling we suggest you leave enough time for the vaccine to take effect (wait time after the final dose may vary from vaccine to vaccine so check with your GP on when its considered safe to travel). It’s always important to consult with your doctor to ensure that you get any vaccines recommended for where you’re traveling to and to get a clean bill of health. Your GP may also advise you if you qualify for an exemption to get the vaccine on medical grounds, for example pregnancy or if you are immunocompromised.
For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamVaccinations and travel insurance
What a new vaccine rollout means for your future travel plans
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Many of us have started to make plans to travel again as the COVID-19 vaccine rollout continues. While the vaccine rollout is a major breakthrough, it’s in no way a golden ticket that will open the door to any destination.
Having to get a vaccine to travel to certain destinations is not a new development, many countries for decades have required travellers to get vaccinated to protect themselves from getting ill. There’s a long list of diseases that currently require a vaccine before traveling, these include, Malaria, Yellow Fever, and Typhoid, this is because no one wants to experience a disease outbreak in the middle of their holiday.
To top it off, travel requirements may even be imposed by travel suppliers such as airlines, hotels or cruise ships. You may need to show negative test results or proof of immunity through e-certificates or health/immunity passports, making traveling a little trickier than it was pre Coronavirus.
Planning your trip
Some individuals will have already received the vaccine, while others may have to wait many months depending on where they live and their personal circumstances. While you wait, here are some tips to have in mind if you are planning to travel:
Tip 1: Vaccines and travel go way back: Many countries have required travelers to get vaccinated (Malaria, Typhoid, Yellow Fever anyone?). Check consulate, health and government authority websites of the countries you're intending to visit. Some countries require proof of vaccination for some conditions before you're allowed entry and COVID-19 will most likely be no different. Check out our travel alert updates for more info.
Tip 2: Travel will depend on each countries’ rules: Travel will continue to depend on the measures your country of residence or the country you’re traveling to have in place. Even if you get the vaccine, and have a negative Polymerase Chain Reaction (PCR) test, some countries will not allow entry, especially if there’s an outbreak.
Tip 3: Research is king: Many countries will ask you to get a certain vaccine to get in, this will just be the start. Be ready to comply with a long list of requirements to be allowed into some countries. Do your research on where you’re traveling to as you may need to pay fees and provide a stack of documents letting you travel to your destination. For example, you may need to pay for medical expenses if you end up in hospital, among other requirements.
Tip 4: Quarantine is here to stay: Even if you’ve received a vaccine you may still need to quarantine as you’ll need to comply with any quarantine requirements set forth by the destinations you’re traveling to. Quarantine times may vary depending on the country you’re traveling to, from one to seven days to a 14-day quarantine. Remember, you’ll most likely have to pay for the costs on your own.
This is a brief summary only and does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Please carefully read your Product Disclosure Statement for a full description of cover.
If you wish to change or cancel your travel plans, please contact your travel services providers directly for assistance as they may offer you a refund, credit voucher or some other form of compensation. You can always reach out and contact us if you have any questions.
What Does my Travel Insurance Cover?
A true claim story
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)
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 teamFree, mandatory and compulsory travel insurance
Questions to ask about how it works before you travel
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Did someone say free travel insurance?
- Could free travel insurance possibly be a bad idea?
- Purchased Travel insurance vs free, mandatory or compulsory travel insurance
- Questions you should ask about compulsory, mandatory or free travel insurance
- What do travel insurance policies cover?
- How much travel insurance do I need?
- How to get a letter for your visa stating travel insurance coverage
Yes, you heard that right! COVID-19 has led to the rise of free travel insurance being offered by some travel providers in a bid to improve confidence in traveling abroad.
It has also seen an increase in the number of governments imposing additional entry or visa travel restrictions for foreigners around travel insurance. These vary from mandating the purchase of a specified travel insurance policy and insurer, to the compulsory requirement to travel with an insurance policy with minimum benefits and levels.
While on the face of it, it may seem like a dream come true (after all who doesn’t like free stuff?), or a forced imposition to be complied with, it’s still a good idea to ask some questions about these policies and understand if they’re sufficient for your unique travel needs.
Could free travel insurance possibly be a bad idea?
‘Maybe’, is the short answer, depending on your unique travel plans.
Before you take-up that free travel insurance, or purchase the mandatory or compulsory travel insurance you need in order to enter the country you’re traveling to, it’s worth pausing for a moment and considering if the cover the travel insurance policy offers is sufficient for your individual travel plans.
If it’s not, you, and possibly your family, could be left out of pocket, or completely uncovered for events you thought your insurer would cover.
We’re not saying you must buy more insurance – we're suggesting the important question to ask about any policy is whether it’s appropriate for you and your plans, not whether it’s free or you have to buy it.
Purchased travel insurance versus free or mandatory travel insurance
- Purchased travel insurance: It helps to understand that traditionally purchased travel insurance policies are generally designed to help travelers cover the costs of the many unexpected events travelers encounter every year – not just COVID-19. Different plans with differing levels of benefits will suit different people – you can purchase a more well-rounded policy that covers many kinds of events such as baggage, evacuation, repatriation, cancellation and more, or there are also some single-event policies that might only cover cancellation. If you compare travel insurance plans you’ll see the categories of cover and benefit limits generally increase as the price of the policy goes up.
- Free, mandatory or compulsory: In comparison, many free, mandatory and compulsory travel insurance policies were introduced in response to COVID-19… that means it’s worth checking if they include cover for non COVID-19 related events and when they start. After all - there are plenty of other things that can go wrong while traveling. Many of the COVID-19-related free, compulsory or mandatory travel insurance policies may only cover medical costs or COVID-19 related costs. They may also have lower benefit limits than what you might expect from traditional travel insurance policies on-offer.
Questions you should ask about compulsory, mandatory or free travel insurance
The following questions are a good place to start to understand the level of cover a free, mandatory or compulsory insurance policy is offering. You’ll no doubt have more.
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Policy start and end date/location: If I get ill, are my medical costs covered for all destinations I’m traveling to or through, including transit countries? When does it start? Is it as soon as I book my holiday, or is it only when I arrive at my destination? What happens if I get hurt en-route or need to cancel?
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Cancellation: Does it include costs of canceling all my travel or just those of the provider I’ve purchased with? Does it include accommodation costs if I’m quarantined or hospitalized?
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Evacuation and repatriation: Will it cover the costs of paying for emergency flights to evacuate me home if needed? What if I break my leg while skiing or hiking – does the policy include evacuation costs off the mountain?
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Benefit limits: Are the benefit limits sufficient for my destination? Are they likely to cover the cost of an average hospital stay if something goes wrong… or will I be left out of pocket.
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Medical: Does it cover me if I get sick with something other than COVID-19 such as if I’m injured and need surgery or other medical help?
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Who is covered: Who does the policy cover – my family or just me? Do I need to buy a separate policy for each family member?
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Quarantine costs: If I’m quarantined unexpectedly, who will look after my children, or my pets if they’re traveling with me? Will the costs for their care be covered?
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Baggage: What if my stuff is stolen, damaged or lost – is that covered?
What do travel insurance policies cover?
It varies between providers – and depends on how much you pay. As an example - all World Nomads policies offer two kinds of plans (Standard and Explorer) with different benefit limits for:
- Overseas emergency medical and dental expenses
- 24/7 Emergency Assistance.
- Emergency medical evacuation
- Trip delay, cancellation, or interruption due to an unforeseen event
- Delayed, damaged, or stolen gear or bags (if they've been checked in with a carrier)
- Cover for more than 150 activities… and even more on some of the Explorer Plans (Benefit limits apply)
And many policies offer extras you can buy such as baggage cover or additional activities… for an additional fee of course.
How much travel insurance cover do you need?
How much cover you need depends on your circumstances. All plans have benefit limits which define the maximum amount the insurer will pay in the event of a successful claim for that event. You should consider:
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Where are you traveling to, or through? If something goes wrong, will medical assistance or evacuation be difficult and expensive? Remote locations might not be covered by travel insurance policies, or you might have to pay extra to get cover. Do you need a plan that has an unlimited benefit limit for medical costs and evacuation, or the choice of a cheaper but reduced benefit limit? If your unexpected medical costs go over the benefit limit, you’ll be out of pocket for the difference.
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What activities will you be doing? For more adventurous sports you might need a higher level of cover, or they may not be covered at all. Check what you’re planning to do against the level of cover and covered activities in your policy.
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What items are you taking with you? Benefit levels vary so don’t assume your phone will be covered if you lose it. Also, some policies won’t cover luxury items so if you can’t afford to lose it, don’t travel with it.
How do I get a letter with supporting information for my visa stating my insurance cover and limits?
Some countries require a letter outlining your travel insurance medical cover and limits as a condition to obtaining a visa. It pays to be prepared and leave plenty of time (at least six months depending on where you’re going and the visa you need) before your consulate visit or travel to obtain the supporting information you need.
Bought your travel insurance with World Nomads? Contact our Customer Service Centre who may be able to help. Allow enough time for us to process this before your appointment at a consulate.
Bought with a different provider? Contact their customer service and find out if they can help.
Travel insurance tip: Does Travel Insurance cover visa delay? While the answer is that 'It depends on the insurer and their plans’, you should check your policy carefuly as many don’t. It pays to be prepared and leave plenty of time to get your visas before you travel, at least six months depending on where you’re going and the visa you need, and consider holding off on booking and paying for anything until you have it.
What next?
Just remember, you should consider taking out a travel insurance policy that provides cover for your trip and activities with the benefit levels you need. You can have a look at World Nomads What’s covered pages, get a quote and compare our plans or contact us to ask more.
This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Teeth hit the ground
I put my foot in a funny way while I was walking quickly because it was raining. I fell unexpectedly to the floor, face first, so I put my arm out, broke the shoulder and my front teeth hit the ground breaking a tooth.
P.R. Italian Nomad.
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?
- Suddenly sick?
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 tips for the COVID-19 era
If you are getting ready to travel here are some tips to know before you go
- As featured in:
As featured in:
Key travel insurance tips for traveling in the age of COVID-19
At World Nomads, we’ve heard stories from many travelers telling us about how much they miss traveling and how they have had their dream trip disrupted by Coronavirus (COVID-19).
Dealing with eye-watering medical and quarantine bills is something most of us don’t budget for. To avoid some nasty surprises, we’ve compiled these handy tips that we hope will give you the upper hand for your next trip in this new traveling era of COVID-19.
While we can tell you what you should expect or look out for, we can’t tell you what you’ll need to know for your exact destination, so our number one tip is to check in with the government authority of the country you’re heading to, or through, and familiarize yourself with any new or existing COVID-19 requirements for entry...
Tip 1: Allow extra time at airports, particularly when traveling internationally:
If you’ve been given the greenlight to travel then we envy you, but it also means there may be a few more hoops for you to jump through. Many countries have implemented extra measures at borders, with airport and customs staff taking extra measures to collect health declarations at arrival, as well as travelers’ visa requirements and contact details. You may need to complete a travel risk assessment, undergo a COVID-19 test, or provide more information on where you’ve been and where you’re going. Be ready to add in an extra two to three hours if traveling in a large group or if you need to make a flight connection.
Tip 2: Get ready to quarantine:
While many countries have quarantine measures already in place, some countries may not have them until you arrive, or, you may be asked to go into mandatory quarantine if authorities believe you have come in contact with someone diagnosed with COVID-19 or if an outbreak occurs. Please note that if you need to go into compulsory quarantine as required by the government to return to your home country, you will have to factor in the costs as this is not covered under World Nomads travel insurance policies.
Tip 3: Special visas and stay permits may be the new normal:
To kick-start tourism some popular destinations now require new tourist visas (e.g. Thailand, Costa Rica, Japan) with new rules in place to combat COVID-19 ensuring travellers visiting their country have a level of cover to pay any potential medical costs. We’re seeing more countries introduce these visas and with some new requirements travellers may need to:
- Buy extra locally-based travel insurance;
- Pass extra health tests to confirm you’re COVID-19 free;
- Provide a letter outlining your travel insurance cover benefits;
- Provide a letter agreeing that any required medical treatment will be paid by you if upon arrival you have a positive Polymerase Chain Reaction (PCR) test or show symptoms of COVID-19.
Whether or not you’ll need to do this depends on the visa requirements at the countries you are traveling to or through. Also be prepared to use your credit card or have the funds if you’re asked to go to a hospital or need to quarantine on arrival.
Tip 4: Get tested for COVID-19 before you board your flight:
Now more than ever there are key benefits to getting a clean bill of health right before you go overseas. A growing number of airlines and governments now require travelers to produce a PCR test that shows they are negative for COVID-19. Many people have had to cancel their trips at the last-minute or have had significant losses because they didn’t get tested, or their PCR test was delayed. Make sure you know when the test needs to be taken – you'd hate to have it not count as you took it five hours before the eligible time period kicked in. Current reports have test times varying from 48 to 72 hours before your flight - check with the government at the destination you are heading to or through for any requirements and be sure you leave enough time to get tested and have the results back in time before you arrive at the airport to avoid delays, having to reschedule or deal with any further losses.
Tip 5: Research your travel bubbles, travel corridors and travel tiers:
Many countries and regions are planning or have implemented travel bubbles, travel corridors and travel tiers. It can get confusing knowing who can go where and when so it’s important to keep an eye on government and travel websites for travel alerts and what levels of travel may be in place, especially if you’ve bought your travel insurance quite far in advance of your travel dates (a lot can change in a week or two when it comes to COVID-19!). Be aware some travel bubbles are one way only – for example between New Zealand and Australia – this could mean added costs if you haven’t done your research. If that bubble does pop you could be required to go into quarantine if you’re already traveling, or you may have to cancel your trip if you haven’t left home. Many travel tiers and corridors can change at a moment’s notice when COVID-19 cases go up or down and may cause a big headache if you’ve booked tours, have connecting flights, and need to cancel or rearrange your flight and accommodation dates.
Tip 6: It pays to be an admin junkie:
One thing that remains super important with COVID-19 is keeping copies of receipts and your paperwork when you travel. It’s a good idea to send a copy to a friend or family member at home, as well as yourself via email, so you can always access them easily. When you first head off on your trip, you may need evidence of your planned travel and accommodation costs, and medical documents confirming you’ve got a clean bill of health. If you need to make a claim after you’ve returned home, you may need to:
- Provide proof of ownership;
- Provide any supporting police or carrier reports;
- Provide any evidence of accommodation, airline and tour operator related charges;
- Provide any medical evidence especially if you or your loved ones had an accident, fell ill or had to quarantine and had to use a credit card for extra costs and wish to be reimbursed.
Tip 7: Plan for a risk-free holiday and remember to have fun:
If you’re lucky enough to have a holiday planned out and everything goes to plan, you should take every measure possible in place to avoid putting yourself and others at risk of getting COVID-19. Some things that will help you have a stress-free holiday include:
- Always remember to keep social distancing
- Wear a face mask and carry hand sanitizer
- Comply with rules and any customs in the country that you’re visiting
- Consider driving (if properly licenced in the country you’re in) rather than flying, taking a train or bus to your next destination
- Use online or contactless reservations and check-in using contactless payment
- Self-cater when possible
- Try and avoid large crowds.
At the end of the day, your holiday is meant to be packed with fun and not stress. The better informed and prepared you are, the more fun you’ll have!
You can read more about the latest information on Coronavirus. If you have any unanswered questions our FAQ's section may be able to help out.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
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
- Luggage lost?
- Passport pilfered?
- Airline lost your gear?
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 teamDomestic Travel Insurance
Travel insurance may cover your trips within Canada that are outside of your home province
- As featured in:
As featured in:
At a glance
- Single and annual plans for Canadians: World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents
- Domestic and international coverage options: In addition to international trips, domestic trips that are outside of your home province may also be covered
- Protection for medical emergencies, delays and disasters: Coverage for emergency medical expenses, trip delay, lost bags, natural disasters and more may be included (up to the maximum limits shown in your policy documents)
- Extra benefits on select plans: Some plans offer additional benefits such as coverage for pets and rental cars
- Why should I consider buying domestic travel insurance for trips within Canada?
- Included in All Domestic Travel Insurance Plans
- Exclusions
- Maximum Coverage Limits
- How to Make a Travel Insurance Claim
- Travel Ideas for Trips Within Canada
- FAQs
Why should I consider buying domestic travel insurance for trips within Canada?
Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Canada doesn’t mean that unexpected situations can’t happen. World Nomads offers single trip and annual multi-trip plans for Canadian residents, and coverage starts when you leave your home province. Sometimes situations like sickness, job loss, and natural disasters can disrupt your trip. As if that’s not bad enough, it’s worse when you lose the money that you already paid for your trip. If you need to cancel or interrupt your trip for a covered reason, you may be reimbursed for your prepaid, unused, non-refundable expenses such as hotel accommodations and tours.
If you get injured while skiing in Whistler or hiking in Banff National Park, your Government Health Insurance Plan may not cover all expenses. Full GHIP benefits typically stop as soon as you leave your province. Domestic travel insurance may include emergency medical coverage that covers expenses such as ambulance transportation, prescription medications and more. Lost, stolen, and delayed bags may also be covered, and some plans offer additional benefits, such as travel insurance coverage for pets and rental cars (up to the maximum limits as shown in your policy documents).
Included in All Domestic Travel Insurance Plans
Exclusions
- Pre-existing conditions, as outlined in your policy documents
- Injuries or sickness related to drug or alcohol use
- Non-emergency treatment that can wait until you return to your home province
- Expenses that are fully covered by your Government Health Insurance Plan or another party
- Participation in activities not listed as covered in your policy documents
- Travel within your home province
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Coverage Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per-item limit of $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per-item limit of $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD Get a quote |
How to Make a Travel Insurance Claim
Hopefully, your trip will go smoothly and won’t need to use your travel insurance benefits. But if your trip takes a turn for the worse and you experience a covered, unplanned circumstance, you’ll need to contact us as soon as possible and provide certain information that may include:
- Your name and contact information
- Your policy number
- The type of loss, as well as the amount
- The name of your travel suppliers
- The trip dates
- The amount you paid for your trip
You can then file a claim online. Depending on the reason for your claim, you’ll need to provide required documentation that may include:
- Receipts and invoices
- Itineraries
- A statement from your physician
- Written documentation from the travel provider that explains the reason for your loss
- Proof of payment for the trip such as cancelled cheque or credit card statements
Travel Ideas for Trips Within Canada
We Canadians love exploring within our country. Data from the Canadian Government shows that domestic trips are on the rise – by double digits, in some cases. If you’re looking for inspiration for your next trip, here are a few ideas from our nomads who’ve explored Canada and experienced some really cool things along the way.
- 4 Winter Wilderness Adventures in Central and Eastern Canada
- Sea Kayaking at Cape Broyle
- Rafting the Exploits River
- Camping in Newfoundland
- Zip Lining Marble Mountain
- Exploring Northern Manitoba, the Land of Endless Lakes
- A Road Trip Along Lake Superior’s Ontario Coast
- Finding the Northern Lights in Yellowknife, Canada
- The 8 Best Places to See Wildlife in Canada
FAQ
Here are our most frequently asked questions about cover for Canada. 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 get a travel insurance plan if I’m travelling within Canada?
Yes. Your travel insurance plan from World Nomads is valid if you are travelling outside of your home province, even if that’s within Canada.
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Can I buy travel insurance after I’ve already left home?
Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online. If you buy a World Nomads plan while travelling, waiting periods and conditions may apply. There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. Also, after an event has occurred, like a natural disaster, you can’t be covered for that specific event.
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Am I required to have a GHIP if I am travelling?
You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
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If I own multiple homes, what is considered my home province?
Your home province is the one where you have access to a Government Health Insurance Plan and where you normally reside, not the one where your vacation home is located.
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Should I buy travel insurance if I’m travelling within Canada?
We suggest that you check the coverage in your Government Health Insurance Plan, as it could be limited when you travel outside of your province, and may only pay a small portion, if any, of your medical expenses. Also consider the amount of money you spent on your trip. When you get a quote for domestic travel insurance that covers trips within Canada, it will include benefits that may help with emergency medical expenses, trip cancellation, trip delay, baggage that is lost, stolen or delayed, and more (up to maximum limits as shown in your policy documents).
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If I’m taking a road trip with my pet, are they covered by travel insurance too?
The Explorer, Epic, and Annual Multi-Trip plans have additional travel insurance benefits for your cats and dogs. Emergency veterinary costs may be included for cats and dogs that are travelling with you (up to maximum plan limits shown in your policy). An additional benefit may also be included for cats and dogs that aren’t travelling with you, and you may be reimbursed for the additional expense you have to pay a kennel if a covered trip delay causes your pet to stay longer (up to maximum plan limits shown in your policy).
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Does domestic travel insurance include rental car protection?
Rental car insurance benefits are only included on the Explorer, Epic, and Annual Multi-Trip plans for Canadian residents. You may be reimbursed for the cost of repairing a rental car, or replacing it, if it gets seriously damaged. You may also be reimbursed for roadside assistance charges if your rental car breaks down (up to maximum benefits shown in your policy documents). If you have questions about what may be covered, contact us and ask.
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)
Traveling during the busy holiday season
Travel tips to keep your holiday on track and on schedule during the busiest time of the year
- As featured in:
As featured in:
Travel tips for the one of the busiest times of the year... holiday season!
Ahh, holiday travel. Who hasn’t fantasized about bursting through the door with an armload of presents on Christmas Day, getting back home for Thanksgiving dinner, or maybe even just using that time off-work to get away? At World Nomads, we’re huge fans of travel during November and December… especially if it’s done right.
We know you’re itching to travel again. The world is waking to a new era of travel and while you want to launch heartily into the holiday season and explore new regions again, it’s important to plan ahead during peak travel periods so your much-needed holiday leaves a smile on your face.
Whatever your plans are for the holiday season you should consider purchasing travel insurance in case your dream vacation goes awry or is affected by coronavirus (COVID-19).
- What's covered
- Tips for the busy peak holiday season
- Things to look out for when considering travel insurance
What's covered
The following is a small sample of what World Nomads Standard and Explorer plans offer (up to the benefit limits) for:
- Coverage for extended stays: Having too much fun and want to stay longer? You can extend your policy before it expires for up to 12 months from its start date. You must not have had any change to your health, submitted a claim or intend to, or exceeded the eligible age limit at the time to be eligible to extend.
- Emergency medical and evacuation coverage: Our 24/7 Emergency Assistance Team can help you find a doctor and you can submit a claim to recover unexpected medical costs (up to your benefit limit). Our plans include emergency evacuation coverage for ambulances or transfers to an appropriate medical facility best suited for your care (subject to approval from us). Be sure to check the maximum benefit amount and terms of coverage in your policy.
- Baggage and personal belongings coverage: If your gear is damaged or swiped from under your nose, our gear coverage may help with replacing covered items (policy excess may apply).
- Activities coverage: We cover more than 150 sports and adventure activities, from ocean kayaking to mountain biking. Depending on your country of residence, you may need to include an insurance upgrade when you buy to have coverage for some activities. If you don’t have the right level of coverage, you won’t be able to claim if something goes wrong.
- Cover for Coronavirus-related events: Depending on your country of residence and the plan you choose, coverage can include medical assistance, repatriation and hospitalization benefits if you get sick with COVID-19 overseas. To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Traveler tip: Don’t forget to read the policy wording as all plans are different and coverage will depend on your country of residence. Never assume you’ll be covered in every situation, as benefit limits, terms and conditions and exclusions apply. If you are still unsure about what you are covered for, contact us.
Tips for the busy peak holiday season
Taking some simple precautions can be the difference between holiday season bliss and a trip you’d rather forget. Here are a few tips for making the most of that precious holiday time:
- Stay up to date: Our number one tip is to check with your government and the government authority of the country you’re heading to, or through, and familiarize yourself with any new or existing COVID-19 requirements for entry. Government travel advisories can change rapidly. Regularly check our travel alerts, and local news updates of the country you’re in. Depending on your country of residence, some of our Explorer Plans may cover coronavirus travel costs for cancellation and trip interruption due to coronavirus.
Traveler tip: Check your passport to make sure it hasn’t or won't expire soon. Some countries require at least six months of passport validity to allow entry. Be sure to review your and your travel companion’s passport details well in advance in case you need to renew a passport, as there have been big delays in getting passports renewed.
- Arrive at the airport early: Travel insurance can cover many unexpected events but arriving at the airport too late – by your own fault – isn’t one of them, sorry! Traffic jams, public transport delays, and finding a car parking spot can all create a nightmare when you’re trying to catch a flight. For those short holiday trips, just taking carry-on can take some of the stress out of battling your way to the bag drop counter hours before departure.
- Be prepared for flight cancellations and trip delays: We know daydreaming about your next vacation doesn’t include hold-ups but delays and cancellations are common during peak holiday periods as are COVID-19 operational delays. World Nomads Travel Insurance may protect you from some out-of-pocket expenses if your transport is overbooked, delayed or cancelled due to a covered event and you need to find alternative arrangements. Remember benefit limits and sub-limits apply.
Traveler tip: Try to find a direct flight rather than one with several connections, even if it costs more. You'll reduce the risk of missing connections, trip delays, and of losing your luggage during a transfer.
- Know your limits: At World Nomads we see people every holiday season who are seriously injured because they did things under the influence they would never do sober. Travel insurance won’t cover you for claims that occur when you’re intoxicated, so it’s never a good idea to go swimming at midnight or try that double back-flip on skis you could do when you were a kid. While under the influence of alcohol, a traveler is also a bigger target for pickpockets and thieves, especially solo and female travelers.
- Take safety seriously on (and off) the slopes: The Yuletide wonderland of the Tyrolean slopes can be a cold reality if your adventure turns into a skiing accident, or if your Christmas trip surfing at Bondi Beach turns into a nasty wipe-out. World Nomads’ plans provide cover for more than 150 adventure activities from snow sports to beach sports and a lot in between but not all activities are covered under every plan – you can find out what is available for your country of residence here. You may need to pay an additional premium for higher-risk activities or choose a different plan. Many activities also have specific conditions and exclusions such as altitude limits and diving limits.
- Book ahead: On top of the usual peak season crowds looking for tickets, restaurants and equipment to hire, nowadays health and safety requirements can mean fewer tickets and less capacity or equipment are available than usual. Booking in advance not only saves you from walking extra miles looking for that last remaining item, but also locks down prices in a time when skis at Banff or scuba gear in Indonesia are in high demand. Of course, sometimes you’ll want to take your own equipment and some of our policies may cover your sporting equipment if it is delayed or damaged in transit by a common carrier. Check your policy as benefit limits, terms and conditions apply.
- If you get sick while traveling: If you’ve sanitised in hourly rituals yet the New Year’s celebration in Rio still leaves you with a mystery illness, follow any local isolation requirements and contact our 24/7 Emergency Assistance Team as soon as possible to help you find medical support and treatment. You can submit a claim for prescriptions, doctors’ visits and hospitalization. Remember some countries require proof of travel insurance or payment upfront before receiving medical treatment. A doctor will need to certify that you are medically unfit to continue with your original travel plans to support your injury or illness claim. Keep all documents and receipts to submit with your claim.
Things to look out for when considering travel insurance
- Make sure you correctly choose the right trip dates, ages of each traveler, and level of cover.
- Ensure all your destinations are covered.
- Make sure you understand what a pre-existing medical condition is under our policy, as we do not cover these conditions unless noted otherwise in the policy wording terms and conditions.
- Some activities and sports may require an extra level of cover or may not be covered.
- Make sure you clearly understand the benefit limits and the excess as per the level of cover you’ve selected.
- Understand that there will be General Exclusions in your policy for which you won’t be covered under any circumstances.
- Make copies of travel documents and keep receipts in case you need to make a claim.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
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 teamScuba Diving travel insurance
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why buy travel insurance when going scuba diving?
Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Scuba diving (qualified divers to 30 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Snorkeling, island escapes, live-aboard trips, and more
*Note: All plans are different and may require an upgrade to go scuba diving. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about scuba diving insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
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How do I get to the medical centre if I’m injured underwater?
Contact our emergency medical assistance team so that they can help to the care that you need. For further info, click here.
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What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer can help cover these costs upfront. Contact the Emergency Medical Assistance team where urgent medical assistance is required. For further info, click here.
