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.

You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grinds to a halt… without your bag appearing.

That’s where travel insurance and our Baggage Delay benefit can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.

What's covered by travel insurance if my bags are delayed?

If your baggage is delayed more than 24 hours our policies offer cover for essentials items like:

• Clothing
• Essential prescribed medication
• Toiletries

It's important to remember that there are benefit limits and an excess will apply. 

What you’re not covered for

If your bags arrive within 24 hours of when they were supposed to, you won’t be able to claim any expenses back.  We also won’t cover:

• The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
• Indirect losses, such as administrative or transport costs involved in collecting the baggage or lost opportunities due to not having your baggage
• Any items that aren’t considered ‘essential’.  That means no Gucci leather jackets!
• The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home

What do I do if my bags don’t arrive?

First step is to speak to your transport provider who was responsible for transporting you. You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information. 

If it’s going to take at least 24 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and prescription medication to tide you over. Any claims paid for essential items will be deducted from any successful lost baggage claim you may subsequently make. 

Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after. 

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.

For information relating to policies purchased prior to 13 July 2021, 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 13 July 2021 please see below.

This content does not apply to residents of: Australia, New Zealand, Brazil, Canada, the United States, Ireland, the United Kingdom and of member countries of the European Economic Area (EEA).

You’ve made it… you’ve got your passport, baggage and are at the airport on-time and ready to head off. The only problem is your plane isn't going anywhere.

That’s where travel insurance for flight cancellation can give you a helping hand, covering some of your expenses until you can get on another flight.

How does travel insurance cover flight cancellation?

If your flight is unexpectedly cancelled through no fault of your own, then our policies offer cover for additional necessary and reasonable costs (up to the benefit limits) for:

• Local transportation
• Meals… Sorry – that 3 star Michelin restaurant is probably not considered necessary and reasonable.
• Hotel accommodation (overnight stay) if required

Please be aware that before submitting a claim to us, you must claim a refund or compensation from the transportation provider first.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Cancellation & Trip Interruption and Travel Disruption sections of our policy, there may be some benefits available to you if you purchased our Explorer Plan, which includes our Coronavirus Travel Costs section, providing you with cover for some Coronavirus-related events.  

 If you have purchased the Explorer Plan, you may have some cover for trip cancellation events which are outside of your control and caused by:

• You or a member of your traveling party being diagnosed with COVID-19.
• Your close relative back home being hospitalized or dying due to COVID-19.
• You or a member of your traveling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

 The benefit under the Explorer Plan offers travelers added coverage for up to eight scenarios, up to a combined benefit limit of USD$2,000.

Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.  

Important: As our plans vary, check very carefully the level of cover you think you might need, and purchase the right level of coverage for you and your traveling companions depending on your Country of Residence and specific plans.

What’s not covered by travel insurance?

To make a claim you will need to be able to show proof of the flight cancellation from the carrier and keep all receipts, otherwise we will not be able to pay out the claim.  Other items we won’t cover include:

• If you can claim your meals, additional expenses and accommodation and transport costs from someone else, like the carrier that was responsible for your flight
• If you knew when you booked or bought your tickets there were circumstances that would likely result in a travel delay.
• You refused to accept an alternative service by your transportation provider
• The cancelled flight was due to your change of mind or disinclination to travel

Your additional expenses are not considered reasonable or are above the daily sub-limit shown in the Summary 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 that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

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.

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.

• Recreational scuba diving (qualified divers to 30 meters)
• Learn-to-dive courses or discover scuba dives (with qualified instructors)
• Shark cage diving to a maximum depth of 30 metres
• Snorkeling, island escapes, live-aboard trips, and more

*Note: Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

Whether you're a newbie hitting the bunny slopes or a seasoned pro tackling the black diamonds, accidents can happen. With World Nomads travel insurance, you can shred the slopes and let your winter adventures be as smooth as the freshest powder.

• What does World Nomads travel insurance cover for snow sports?
• Choosing the right travel insurance policy for you
• What snow sports activities are covered?
• What’s not covered
• Tips for your winter sports adventures
• FAQs

What does World Nomads travel insurance cover for snow sports?

Depending on your country of residence and the plan you choose, our policies can protect you up to policy limits for benefits including:

• Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
• Trip cancellation: if you have to cancel your travel plans
• Baggage and equipment cover: if your baggage, ski or snowboarding gear is lost, stolen or damaged
• Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche, or severe weather event
• Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
• Coverage for families: our policies can cover up to eight dependents, so you can take the whole family on a winter vacation!

Choosing the right policy for you

We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.

What snow sports activities are covered?

As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:

• Skiing and boarding within resorts, including off-piste
• Heli-skiing & heli-boarding (some plans only, check yours carefully)
• Sledding and tobogganing
• Snowmobiling, ice skating, snow rafting & more.

It’s important to note that all plans are different depending on your country of residence and may require an upgrade for cover to apply. Read the Policy Wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.

What’s not covered

While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

• Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski racing or national squad training, the use of skeletons.
• Some winter and snow sports have special terms including exclusions for remote areas, racing, time trials and endurance events. Check the policy wording carefully.
• Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old, or while in use
• If you travel against medical advice or neglect to adhere to U.S. Department of State ‘Do Not Travel’ warnings issued prior to departure
• Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
• Any pre-existing medical conditions
• Any costs related to illegal activities or being under the influence of drugs or alcohol.

Tips for your winter sports adventures

Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:

• It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
• Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
• Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
• Be aware of skiing or snowboarding no go zones: don’t go into back country areas without taking local advice and appropriate rescue equipment. You should follow the International Ski Federation code or the resort regulations.
• Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
• Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.

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 of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. If you have any questions, please contact us.

World Nomads loves the snow

As passionate ski bums, we’ve designed our plans to cover the style of riding our Nomads love the most*:

• Skiing and boarding within resorts
• Cross country skiing on marked trails
• Terrain parks and heli-skiing 
• Ice skating, snow rafting & more

*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

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.

Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.

In order to help our travellers get back on their feet, our policy has been designed to help out when some unexpected illness or injury strikes, to get back on the road again.

What’s covered by overseas medical travel insurance?

World Nomads travel insurance covers accidents and emergencies when you’re travelling abroad.

If you’re accidentally injured or suddenly become ill while traveling, our 24/7 Emergency Medical Assistance Team is on hand to help you. Cover may include:

• Assistance locating and paying for medical care abroad.
• Hospitalisation.
• Out-patient care and day surgery.
• Ambulances and medical transport, including by helicopter if medically necessary and available.
• Transport back to your country of residence if we deem it medically necessary.

Am I covered for COVID-19 while overseas?

Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording). If you are diagnosed with COVID-19 while abroad your benefits may include:

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

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

Reciprocal health agreements and medical cover

World Nomads policies cover accidents and emergencies only, and it is not a private health insurance/private medical insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no available reciprocal health agreement in the country in which you are travelling.

If you are travelling to a country where there is a reciprocal healthcare agreement in place with your country of residence, such as Australia, you will need to apply for reciprocal health cover before you leave home, including obtaining a European Health Insurance Card (EHIC).

What’s not covered by travel insurance?

Though our policy may cover accidents and emergencies, it’s not a catch-all for every scrape you might find yourself in. Medical conditions or circumstances we don’t cover include:

• If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
• Injuries or illness from drugs or alcohol abuse.
• If you’ve been acting recklessly.
• Pre-existing medical conditions as explained in the policy wording.
• Ongoing medical treatment at home.
• Non-emergency treatment that can wait until you get home.
• Cosmetic treatments.
• If there is a reciprocal health agreement between your country of residence and the country in which you are travelling.
• If you booked a one-way ticket to your destination, we will not pay for your return ticket home.

How to get medical assistance

It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as you are aware that you will be admitted as an inpatient for at least one night so that the team can support you from the time you fall sick or get injured until the time you're well again.

So that they 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

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.

In today's interconnected world, more and more people are embracing the freedom of living and working abroad as expats or digital nomads. Whether you're setting up a home base in a new country or embarking on a nomadic journey, consider travel insurance when packing for your overseas adventures.

• Why expats and digital nomads should consider travel insurance
• Planning on some adventures?
• Cover for accidents and injuries
• Cover for your tech
• What’s not covered
• FAQs

With World Nomads travel insurance you can be covered for benefits from medical emergencies to damaged, lost or stolen tech, cancellations and trip interruptions and more than 150 activities and sports, so you can focus on exploring new horizons.

Why expats and digital nomads should consider travel insurance:

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

Here are a few reasons why expatriates and digital nomads keep coming back to World Nomads for their travel insurance:

Flexible policies

We know it’s not easy finding travel insurance when you’re not living in your home country, so we have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need. You can choose the policy and options that suit your needs and manage your policy in our online portal.

Accessible coverage even after you’ve left home

Our travel insurance is available to most nationalities living or traveling outside of their country of residence. You can purchase our policies online and you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.

Cover for multiple destinations

If you're a digital nomad travelling to multiple countries, World Nomads travel insurance offers cover for with multiple destinations to ensure you're protected wherever your journey takes you.

Cover for unexpected cancellations

Unforeseen events such as family emergencies or job changes may force you to cancel or cut short your trip. World Nomads travel insurance may reimburse you for non-refundable expenses depending on what has happened and your specific circumstances.

Cover to suit your needs and budget

To help meet the needs of expats we offer two travel insurance plans – Standard and Explorer - each of which offers different levels of coverage and benefits so you can choose the plan that suits you.

Planning on some adventures?

Part of living and working abroad is having adventures! Depending on your country of residence and the plan you have selected , our policies can offer cover for more than 150 activities, sports and experiences, including working and volunteering. Some of the activities we can cover include:

• Bungee jumping
• Hiking up to 6,000 metres
• Kayaking, rafting, surfing and other water sports
• Manual and non-manual work and volunteering
• Scuba diving
• Skiing and snow sports

If you’re not sure if something you’re planning on doing is covered, please contact us.

Expat tip: be sure to have the appropriate visa to work under the local laws of the country you’re visiting.

Cover for accidents and injuries

Our policies can cover emergency overseas medical expenses, (up to the policy limits and when agreed by us, for up to 12 months from the date the illness first appears or injury happens) for events including:

• Medical evacuation
• Admission and treatment in hospital
• Emergency dental treatment
• Repatriation home

The 24/7 emergency assistance team can arrange medical transport, locate the closest medical facility, and give support to you and your family.

Expat tip: travel insurance is not health insurance. Our policies will not cover you for ongoing care. Your employer or host should take care of your medical cover.

Cover for your tech

If you’re living and working abroad, your tech is your lifeline. Whether you’re plugging into your social network or surfing remotely from a shared workspace, we can help protect your laptop, smart phones, devices and other personal items and baggage, up to certain limits and depending on the plan you choose. For more information on how to cover your tech gear read our Help Center FAQ.

Expat tip: keep a copy of receipts for your electronics as you will need them in the event of a claim.

What’s not covered

Travel insurance isn’t designed to cover everything so make sure you read the Policy Wording for what is and isn’t covered. That way there are no surprises if you need to use it.

Some of the main things that aren’t covered include:

• Any pre-existing medical condition
• Where care is available under any Reciprocal Health Care Agreement
• Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State.
• Some types of work and duties such as working at heights, operating machinery, working offshore and underground, and working with dangerous animals.
• Participation in any adventure sports, activities, work, study or volunteer experiences where you don’t select the appropriate upgrade or where it is specifically excluded
• Anything else that’s listed in the General Exclusions and specific section exclusions in the Policy Wording.

FAQ's

• What documentation do I need to provide if I need to make a claim?

  Documentation can differ depending on what you’re claiming however keep copies of every expense, bill, invoice and report.

• How long can I be covered for?

  The maximum duration available for any policy, including extensions, is 12 months from the start date. If you need cover beyond 12 months, you can buy a new policy.

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.

Having insurance to cover some dental incidents can mean the difference between a taste adventure or a disaster. That’s why we offer travellers some cover for dental treatment just in case you happen to indulge in some tasty food but which may leave a bad taste in your mouth if you chip a tooth or you get an infection.

Whether you’re sampling the ktefa in Morocco or taking the durian challenge in Thailand, sudden and serious pain in your teeth can stop you in your tracks.

What’s covered?

All of our plans can cover emergency dental treatment abroad if you urgently need to see a dentist for the immediate relief of sudden and acute pain while travelling such as if:

• You get an unexpected infection
• You've broken your tooth

If you’re experiencing tooth pain, contact our 24/7 Emergency Medical Assistance Team who will help you locate a qualified dentist nearby.

What’s not covered?

Travel insurance isn’t designed to cover everything. Common dental claims we see where there's no cover include:

• Dental work other than that related to emergency dental pain relief
• Cosmetic dentistry or whitening
• Pre-existing dental problems as explained in your policy wording
• Major dental work, such as crowns, dentures, bridges and implants
• Any dental treatment after your return to your country of residence

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.