For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.

Buy at home or while traveling, and claim online from anywhere in the world.

Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.

Our Emergency Medical Assistance teams, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of British travellers be repatriated home so they can fully recover.

Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, and you are admitted as an inpatient for at least one night, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.

When you're medically able to be evacuated, we may decide to:

• Transport you to other medical care facilities; and/or
• Repatriate you to the United Kingdom if you're declared medically unfit to continue your trip.

What’s covered

If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical evacuation and repatriation (depending on needs) by:

• Air Ambulance
• Sea Level Aircraft
• Helicopter
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical accompaniment

World Nomads has benefits for medical issues related to Coronavirus (COVID-19) under the section Emergency Medical & Dental Expenses Overseas. If you are diagnosed with COVID-19 while overseas and it’s not considered a ‘pre-existing medical condition’ under our policy, your benefits may include:

• 24/7 access to our Emergency Assistance team, who can help you access local medical care;
• Medical costs including hospitalisation;
• Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.

What’s not covered

There are exclusions and conditions that apply to our medical cover, including, but not limited to:

• Any expenses or fees which in the opinion of the treating medical practitioner, or in our opinion, can wait until you return to the UK.
• Expenses which can be recovered from another source, or private hospital or medical treatment you received where public funded services or care was available or which are covered under any National Insurance scheme or reciprocal health arrangement, unless approved by us.
• Medical or dental expenses incurred while you're in the United Kingdom. This policy doesn't replace private medical insurance or treatment offered through the NHS.
• Any other reason listed under Section 8 'Medical Sections of Cover'.

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.  

Get a quote today.

How to get assistance

It’s essential that you get in contact with our emergency medical assistance teams as soon as possible so that our teams can support you from the time your fall sick of get injured until the time you get home.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

• Your policy number
• A contact number for where you are now
• The nature of your problem
• Your location

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

Do you really want cheap travel insurance?

Cheap Travel Insurance is only good if it protects you for those emergencies it’s supposed to protect you for.

Going too cheap can mean you’re not covered when it matters and if you’re not covered… your trip of a lifetime can get very expensive, very fast.

That’s why at World Nomads we listened to our experienced travellers and designed travel insurance products at affordable prices (but not the cheapest).

We’ve included the cover you told us you couldn’t live without in every World Nomads policy, including:

1. Medical
2. Cancellation
3. Luggage cover
4. 24/7 worldwide emergency assistance

Travel insurance options that have your back

As no two travellers are alike, we’ve designed a Standard and Explorer travel insurance option so you can choose whether you pay for the extras or not.

If you’re planning to kayak the Amazon solo or throw yourself out of a plane with just a little bit of silk attached to your back, the Explorer option may be more suited to you.

Then again, you might be surprised by what is covered under the Standard travel insurance option. Just tell us who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote with all the detail you need.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.

Our 24/7 Emergency Assistance Team, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers be repatriated home so they can fully recover.

What’s covered

If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical repatriation by:

• Air Ambulance
• Sea Level Aircraft
• Helicopter
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical accompaniment

Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.

How to get assistance

If you have private health insurance/private medical insurance that covers you while abroad, first contact your insurance provider and follow their emergency and claims procedures. If not, it’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.

So that our 24/7 Emergency Assistance Team can assist you quickly, please be ready with the following:

• Your policy number
• A contact number for where you are now
• The nature of your problem
• Your location

Pregnancy shouldn't be a reason to stop your next adventure. But with a new addition on board, travel insurance cover may help you look after yourself and bub-to-be if you're suddenly injured or have unexpected complications with your pregnancy while travelling.  

What does pregnancy travel insurance cover?

If you're travelling and have a pregnancy complication due to a sudden illness or injury, once you were not more than 28 weeks pregnant at the time your trip started (or 24 weeks for multiple births), our policies may cover:

• Emergency medical treatment;
• Hospitalisation;
• Ambulance trasnfers;
• Transport to get you home for ongoing treatment (if medically required);
• 24/7 Emergency Medical Assistance teams.

You must be able to provide confirmation from a medical practitioner or midwife that you were fit to travel, in the event of a claim.

To find out all the details on our travel insurance cover for pregnancy you can read our Help Center article for British travellers.

It’s also a good idea to check with the airline before you pay for your ticket to see if they have any restrictions on carrying a pregnant person.

What we won’t cover

We won’t cover a number of circumstances including, but not limited to:

• Having a pre-existing medical condition that results in complications.
• Normal costs or losses associated with pregnancy or childbirth. This includes medical care such as your antenatal check-ups and scans and the costs associated with giving birth, and care for a newborn baby.
• Doing anything illegal.
• Travelling against the advice of a medically qualified doctor.
• Drugs or alcohol-related injuries.
• Deliberate self-injury or wilful exposure to exceptional risk.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so please read your Policy Wording carefully before you buy for all the details.

For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024 please see below.

Don't make your family pay to bring your remains home.

Travel Insurance cover, if you die overseas, can help bring your remains home without bankrupting your relatives or further traumatising them in what is already a very difficult time.

What’s covered by my Travel Insurance if I die while overseas?

If you die due to a sudden illness or injury while overseas we will pay for the reasonable cost (up to the benefit limits/sub-limits) for the following:

• Transport of your remains back to the United Kingdom or for local funeral expenses (cremation or burial), including any statutory arrangements required (such as embalming and a zinc coffin).
• Any statutory arrangements required to transport your remains or for a local funeral (such as embalming and a zinc coffin).
• Cremation overseas and transport of your ashes to the United Kingdom.
• We also provide repatriation of remains for travellers who die from Coronavirus while travelling on all our plans, although benefit limits apply.

Most importantly, our 24/7 Emergency Medical Assistance Team will keep your family informed and help them navigate the often difficult local regulations and administration required after your death.

This may include putting them in touch with consular officials, navigating and understanding local processes and helping access the services you need locally to transport your body back home.

What’s not covered by travel insurance?

There are conditions and exclusions that apply to travel insurance cover, including, but not limited to, exclusions for:

• Loss of life through suicide.
• Dying from drugs or alcohol.
• Pre-existing medical conditions, as explained in the Policy Wording.
• Doing anything illegal that results in your death.
• Any costs within the UK once your remains are returned to your next of kin.

How your family or friends can get assistance if you die overseas

It’s essential that your family or travel buddy get in contact with our Emergency Medical Assistance team as soon as reasonably possible, so that our teams can support them from the time you die until your remains have returned home.

To help our Emergency Assistance teams assist them quickly, they'll need the following:

• Your policy number
• Your location
• As many details as possible about the circumstances surrounding your death

So, leave a copy of your policy with your family or friend, just in case they need to use it.

How we help

Overseas deaths are the most heart-breaking cases to help with. No one is ready to deal with the sudden death of a close relative overseas, let alone having to deal with the complex requirements and unexpected high costs. The Emergency Medical Assistance team can coordinate a local burial or bring home loved ones with trusted partners on the ground and ensure that families and friends are supported throughout such a difficult time.

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.  

Get a quote today.

For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from June 27 2024, please see below.

Cancellation insurance is there for when life throws you a curve ball, helping you reduce out-of-pocket expenses if you’ve had to put your journey on hold.

From jury duty to an unexpected illness or redundancy, there are many reasons why you may have to stay at home instead of taking a cooking class in Chiang Mai… even if that’s the last place you want to be.

What’s covered by travel insurance for cancellation?

As long as you haven’t left home, we may cover you if you have to cancel your trip under certain circumstances like:

• You or your immediate relative or a travelling companion is injured, gets a serious illness or dies.
• You are unexpectedly called to do jury service or appear in court as a witness (but not as an expert witness.)
• You’re made redundant.
• You are a student of a recognised school, college or university and you are required to re-sit an exam.
• Your home is damaged and becomes unsafe within 7 days of your trip start date.
• Travel documents belonging to you or your travel companion are stolen within 7 days of your trip start date, therefore you are unable to leave the UK.

In addition, travellers with the Explorer Plan may be covered if the Foreign, Commonwealth and Development Office (FCDO) or similar body in the circumstances issues a travel warning up to seven days before the certified departure of the trip advising against ’all travel’ or ‘all but essential travel’ to a specific region or country and that warning was first given after you purchased your policy and after you booked the trip.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Trip Disruption section of our policy, there are Covid-19 related benefits available to you. 

Cover is available for trip cancellation or curtailment events that are outside of your control and caused by:

• You or your travelling companion are certified as too ill to travel as a result of Coronavirus by a medical practiitioner;
• Your close relative in the United Kingdom being hospitalised or dying due to the Coronavirus;
• You or a member of your travelling party who are permanently employed as a healthcare worker or law enforcement officer having pre-approved leave cancelled.

You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions

What’s not covered by travel insurance for cancellation?

There are a number of things you’re not covered for if you cancel or curtail your trip. Exclusions include but are not limited to:

• Pre-existing medical conditions as outlined in your Policy Wording
• The policy excess
• Costs recoverable from elsewhere
• Costs incurred by travelling party members who are not on the Certificate of Insurance.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.  

Get a quote today and find out if this policy is right for you.

There’s one thing our travellers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.

No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s but they know it’s important to consider having travel insurance, whether they be a backpacker, long term traveller or gap student.

Online Travel Insurance

All we need is some basic information on who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote outlining your travel insurance coverage and limitations.

To give you certainty of coverage and confidence in travelling, we’ve made sure all our online travel insurance options include:

1. Overseas medical
2. Cancellation
3. Luggage cover
4. 24/7 worldwide assistance

We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.

What and where you’re covered for is very important to our travellers and if you’re already overseas it’s not too late - you can still purchase online now.

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.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

There’s one thing our travellers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.

No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s important to consider having travel insurance, whether they be a backpacker, long term traveller or gap student.

Online Travel Insurance

All we need is some basic information on who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote outlining your travel insurance coverage and limitations.

To give you certainty of coverage and confidence in travelling, we’ve made sure all our online travel insurance options include:

1. Emergency medical expenses abroad 
2. Cancellation
3. Luggage cover
4. 24/7 worldwide emergency assistance

We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.

What and where you’re covered for is very important to our travellers and if you’re already overseas it’s not too late - you can still purchase online now.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.