Travel Insurance for Overseas Medical
Don't let your medical costs bury you.
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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.
Dengue.
I woke with a bad fever and headache. I tried to self-medicate however the fever did not subside. I went to the hospital to get checked out. It was confirmed that I tested positive for Dengue Fever and was later admitted for a period due to extremely low counts in my blood.
South African 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 deceased?
- Close relative dropped dead?
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 drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer can cover these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance team, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas.
Travel Insurance for Expats
Working overseas? Get travel insurance for your holidays.
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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.
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.
This isn't health insurance!
Expats must be aware this is travel insurance not health insurance.
This means it will not cover you for ongoing medical care. It also excludes many pre-existing conditions as well as any medical treatment that is not considered necessary by our medical specialists. If you’re not sure if you’ll be covered for something, contact us and we can help.
Mugged on the way home.
I was mugged whilst walking back to my hostel. I was alone at the time and was held up with a knife and forced to give the aggressor everything in my pocket which included my iPhone 3G and my 32GB Ipod as well as my money belt containing 200 USD and 400 Peruvian Soles. The aggressor then fled the scene. I reported it t the police station the same day and have the official police report.
South African Nomad in Peru.
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 deceased?
- Close relative dropped dead?
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 drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 200+ activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamWorld Nomads Give Back.
We believe that as travelers we have a responsibility to give back to the places we love. Buy a policy and donate now!
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As intrepid travellers, we often find ourselves off the beaten path, travelling through remote communities, many of which could greatly benefit from basic infrastructure, quality education and economic opportunities.
This is why World Nomads has teamed up with reputable charities to support projects in destinations that you care about. When you buy our travel insurance, you can choose to make a micro-donation to one of these global community development projects.
World Nomads covers all administration costs so that 100% of your donation goes directly to these projects. Now, with one click, you can join the one million strong donors who are changing the world in a simple, easy and transparent way.
Making the world a better place.
Today I decided to buy World Nomads travel insurance for my upcoming trips in The Netherlands and Belgium. I had no regrets because I could also contribute through their Footprints program which gives back to communities who need it the most. It's amazing that I can travel while at the same time contributing to make the world slightly better. Keep up the good work, World Nomads!!
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 teamDoes Travel Insurance Cover Dental?
Learn how travel insurance may cover emergency dental treatment abroad.
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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.
How to get dental assistance
If you're in a serious accident, it’s essential that you get in contact with our 24/7 Emergency Medical Assistance teams as soon as possible so that our teams can support you.
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
If you've already visited a dentist and received emergency treatment, you can submit your claim online.
Tooth Erosion.
I had a sudden tooth ache and sensitivity in my tooth and suspected I had a cavity. I went to a dentist who did a visual examination and decided there was erosion on the tooth which caused the pain and sensitivity. He did a filling for the area that fixed the problem.
Finnish 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?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas dental insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I pay upfront or does World Nomads?
You should pay the dental bills yourself then make a claim online once all your treatment is finished.
-
What do I need to do if I need a dentist?
Call the Emergency Medical Assistance team for advice on your dental condition or if you need directions to the nearest or most suitable dentist or medical facility.
-
Am I covered for cosmetic dentistry?
No. There's no cover for cosmetic dentistry.
Travel Insurance for Trip Cancellation
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, 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 14 July 2021 please see below.
You haven’t even had a chance to pack your bags or get your passport and you get ill – so ill in fact that as much as you want to go on that planned overseas getaway you’ve been looking forward to, you aren’t well enough to do so.
That’s where our travel insurance for pre-trip cancellation kicks in. Sure, it can’t fix the disappointment you feel at not being able to travel or make you well, but it can help you recover the costs of cancelling your trip.
How does travel insurance cover pre-trip cancellation?
If you’re injured or medically unfit to travel, our policies offer cover for your non-refundable, pre-paid:
- Travel costs, such as flights, rail and bus tickets you’ve already paid for
- Accommodation expenses
- Any tuition or course fees you’ve had to pay upfront
- Tours
You’ll need to provide us evidence that your trip costs aren’t refundable, and if the airline or hotel says they’ll give you your money back, then you won't be getting a reimbursement from us.
How sick must I be to be covered for pre-trip cancellation?
This insurance is for when you’re seriously unwell and really can’t travel (for example, if you get appendicitis). If you’ve got a cold or mild attack of hay fever, we’re not going to be able to help you out.
In order to be covered, you must either be:
- Declared medically unfit to travel; or
- You, your fellow traveler or your close relative in your country of residence must be unexpectedly hospitalized or die as a result of a sudden serious illness or sudden serious injury.
The coverage is conditional on the death, sudden serious illness (including any symptoms) or injury being unexpected and occurring after you booked and/or paid for the trip and after you purchased the insurance.
Am I covered for Cancellation due to Coronavirus?
As part of our efforts to assist our global nomads in the Coronavirus (COVID-19)-era, we are now offering cover for some Coronavirus-related events.
While epidemics and pandemics (World Health Organization declarations of a public health emergency of international concern) are excluded from the Cancellation & Interruption and Travel Disruption sections of our policy, there may be some benefits available to you if you purchased our Explorer Plan which includes a Coronavirus Travel Costs section, providing you cover for additional 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.
You can check out our Coronavirus article which has more information, including benefit limits, conditions and exclusions.
What's not covered by travel insurance?
If you change your mind about your trip overseas or decide you might want to delay it then we won’t cover you for cancellation.
This coverage is for those situations where you are physically unable to hop on that plane, train or boat due to illness or injury. Other things we won’t cover include but are not limited to:
- If you booked your travel insurance and/or trip after the symptoms of the injury or illness occurred.
- You, your fellow traveler or your close relative had refused, not sought or given up medical treatment even though the illness had deteriorated or you should have known it needed medical treatment.
- Expenses you have not taken reasonable and practical steps to recover from the carrier, accommodation provider, booking agents, travel agents, any compensation scheme, or any other source.
- You cancel only part of the insured trip.
- If the cancellation is due to a change of mind, disinclination or reluctance to travel; changed weather conditions; acts of terrorism; acts of war (whether war is declared or not); nuclear disaster.
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.
Be prepared if you need to claim for cancellation.
Depending on your claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors/death certificates
- Medical history
- Written documentation from the travel provider of reason for cancellation and any refunds
Wife's accident cancels Kili.
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
S.K. Norwegian 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 deceased?
- 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 drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Is there a time period that I have to claim within?
You're welcome to submit a claim whenever you're ready. If you're waiting on documentation, just let our customer service team know, so they can make a note.
-
If I'm having trouble getting documents from my travel provider, will you get them for me?
It's up to you to provide all of the documentation to support your claim.
-
Can I get a refund on my policy as I'm not travelling?
If you're making a claim, or you're outside of the premium refund period, there are no refunds.
Buy Travel Insurance Away from Home
Get covered by World Nomads, even if you're already on the road
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This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.
We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while traveling, you'll have to wait up to 72 hours for full cover to apply. However, you can be covered straight away if you're injured in an accident after you buy a policy. Your policy wording will have full details to understand the cover, limits and exclusions.
- Buy while traveling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
It's not always fun.
Due to mishap, my frenulum on my penis got severely damaged. During intercourse with my girlfriend it nearly ripped and caused me a lot of pain and blood. I went to the doctor and he operated on it. Now everything is okay again.
Danish Resident.
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 deceased?
- Close relative dropped dead?
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 drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do you have an excess?
Yes. The Australian policies have a USD 100 excess for most benefits.
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How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
Travel Insurance for Assault
Get the medical treatment you need after being attacked.
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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.
Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travellers. That's why we're here to help you. While some destinations have higher incidents of assault than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
If you're unsure what to do, call our 24/7 Emergency Medical Assistance Team and they'll be able to guide you. Our Emergency Assistance Team has extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
Does travel insurance cover assault?
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
- Counselling services abroad from a psychiatrist or registered counsellor
What's not covered by travel insurance?
Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk.
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.
What do I do if I’m assaulted overseas?
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Medical 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
Assault while jogging.
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Kazakhstani traveler in Australia.
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 teamFAQ
Here are our most frequently asked questions about assault. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I call the police if I've been assaulted?
If you're unsure of what to do, call our emergency medical assistance teams.
-
I'm a solo female traveler. Can I request female doctors if something happens to me?
You can ask and we'll see what we can do.
-
What happens if I'm injured and need life support?
That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at every situation individually to find the best solution.
-
Can my mum come and get me?
Yes, in some situations we can send your mum or an immediate family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Travel Insurance for Scuba Diving
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 You May Need Scuba Diving Travel Insurance for Your Next Dive
- What am I covered for when scuba diving?
- Buying the right level of cover
- Scuba Diving Abroad: Single Trip or Annual Multi-Trip Insurance?
- Protecting your scuba diving gear
- What's not covered
- Key tips when going scuba diving
Why You May Need Scuba Diving Travel Insurance for Your Next Dive
Temporarily escaping the UK in search of the world’s most stunning underwater landscapes? Whether you’re exploring the vibrant coral reefs of the Maldives or descending into the depths of Australia’s Great Barrier Reef, you’re bound to have a blast!
Before you take the plunge (pun intended), you may want to do a little preparation…just in case. Travel insurance for scuba diving not only covers the unexpected – like medical emergencies or equipment loss – but also ensures you’re protected for activities down in the blue depths.
What am I covered for when scuba diving?
Scuba diving is a mind-blowing experience that takes you into a whole new realm. Whether you're exploring the vibrant coral reefs of Hawaii, diving deep in the Red Sea's Sharm El Sheikh, or discovering the awe-inspiring Yongala wreck on Australia's Great Barrier Reef, we want you to enjoy every moment worry-free.
Our travel insurance plans offer cover for various scuba diving experiences, including:
- Recreational Scuba Diving: Go up to 30 meters deep and discover the hidden treasures beneath the waves.
- Learn-to-Dive Courses and Discover Scuba Dives: Take the plunge with qualified instructors who will guide you through your first underwater adventures.
- Shark Cage Diving: Get up close and personal with these incredible creatures, feeling the adrenaline rush as you witness them in their natural habitat.
- Snorkelling, Island Escapes, and Live-Aboard Trips: Dive into the crystal-clear waters, explore stunning coral reefs, and embark on unforgettable underwater journeys.
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses.
- Overseas emergency medical assistance: exploring the world through a scuba diving lens can be a great experience, but not if it ends in illness (ever experienced decompression sickness?) or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while abroad.
- Air Doctor: have a medical issue that doesn’t require a hospital but does require a doctor (preferably one that speaks your language?). With World Nomads, you can access our worldwide online registry of doctors from the comfort of your hotel room abroad, without having to step foot in an E.R.
- SmartDelay™: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more.
- Family cover: Cover for your family and emergency medical expenses incurred overseas including emergency dental, on both Standard and Explorer plans.
- Delayed baggage: It can be a pain, however, if it’s been 24 hours and there’s no sign of your bags yet, insurance may cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo.
- And much more…
Planning to participate in some other thrilling pursuits while abroad? World Nomads covers Brits for more than 150 sports and activities while traveling. Just make sure you pre-plan and select any and all activities you’ll be participating in, when you get your quote.
Buying the right level of cover
World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan. These plans both offer cover for expenses in connection with hospitalisation, lost luggage, repatriation, and more. However, the Explorer Plan provides a more comprehensive policy offering higher limits.
When selecting your scuba diving travel insurance, it's important to consider the activities you'll be doing during your trip. Here's what you need to know:
- If you plan to go scuba diving at least once, consider the type of diving you'll be doing, including the maximum depth and whether you need to be certified. These factors can impact your coverage.
- Our policy covers conventional scuba diving only. To scuba dive without an instructor, you must hold a current certification from recognised organisations like Professional Association of Diving Instructors (P.A.D.I.), British Sub Aqua Club (S.A.C.), Sub Aqua Association (SAA), Confederation Mondiale Des Activites Subaquatiques (M.A.S.), or an equivalent internationally recognised qualification.
- Remember, scuba diving requires training and precautions to ensure your safety. If you don't have a recognised qualification, dive only under the constant supervision of a certified instructor and always follow their rules and instructions.
Note: Read your policy wording for details on maximum benefit limits, exclusions and terms and conditions of your coverage.
Scuba Diving Abroad: Single Trip or Annual Multi-Trip Insurance?
World Nomads offers you the flexibility to choose between two plan options: Annual Multi-Trip and a Single Trip policy.
- Single Trip: Are you heading out just once this year? Perhaps a Single Trip policy will be your best bet.
- Annual Multi Trip: Are you a travelling adrenaline junky with a diving itch that requires a frequent scratch? Maybe consider saving yourself some time (and possibly money) by purchasing an Annual Multi-Trip Insurance policy. Did someone say scuba diving in Croatia in the summer, and Maldives in the winter?
Protecting your scuba diving gear
We know that scuba diving equipment doesn't come cheap. That's why we offer cover for high-value items such as scuba tanks, fins, BCDs, regulators, and underwater film and photography equipment. Though we don’t cover sports equipment while it’s in use, it can still be exposed to damage or loss.
In case of delay, loss, or damage to your baggage and scuba diving equipment by a common carrier, follow these steps:
- Report the incident to a responsible officer of the carrier as soon as possible.
- Obtain a Property Irregularity Report or a similar official report in writing.
- Make a claim directly with the carrier before filing a claim with us.
Please refer to your policy wording for details on maximum benefit limits, exclusions, and conditions related to your coverage.
What's not covered
While we've got your back during your scuba diving adventures, there are a few things we won't cover. Make sure you avoid the following:
- Scuba diving while under the influence of alcohol or drugs (safety first guys – the open oceans are no place to be cavalier)
- Competitive scuba diving or search and rescue costs
- Scuba diving / cage diving: deeper than 30 metres
- Refusal of repatriation or evacuation
- Engaging in reckless behaviour
- Ignoring your doctor's instructions or advice from our 24/7 Emergency Assistance team
- Expenses related to pre-existing medical conditions, as explained in the policy wording
- Expenses that can be recovered from another source
- Exceeding the benefit limits and sub limits set out in the policy wording
- Sporting equipment while in use
Please note that this is just a summary of cover, and it's essential to read your policy wording in full to understand the complete terms, conditions, limits, and exclusions. If you're unsure about your travel insurance cover, our customer service team is here to assist you.
Key tips when going scuba diving:
- Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval.
- Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers.
- Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
- Don't fly for at least 24 hours after scuba diving. The aircraft's pressurised environment can trigger decompression sickness if you still have excess nitrogen in your system.
- Make sure you have the right level of scuba diving travel insurance and that the kind of diving you plan to do is fully covered.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- 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)
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 buying travel insurance for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
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.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help to the care that you need. For further info, click here.
-
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. Some exclusions apply. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalization and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you do not have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
Travel Insurance for Hiking & Trekking Adventures
Simple and flexible travel insurance for New Zealanders trekking around the world. Buy anytime, anywhere.
- As featured in:
As featured in:
- Consider travel insurance when going hiking?
- Choose a plan to suit your hiking and trekking needs
- Hiking and similar activities level of cover guide
- What else do we cover
- World Nomads love hiking & trekking
- Common injuries and safety tips
- What’s not covered?
Consider travel insurance when going hiking?
Are you ready to explore the world’s most breathtaking trails such as the Kesugi Ridge Trail through the Alaskan wilderness or scaling the peaks of Patagonia? Don’t take a step until you consider World Nomads travel insurance.
As a New Zealander, your adventures in hiking and trekking deserve travel protection. From emergency medical expenses to trip cancellation, our Standard and Explorer plans offer a range of benefits that will allow you to focus on the journey ahead and not on potential mishaps.
Join fellow adventurers who have trusted World Nomads for over 20 years. Your next great adventure awaits.
Choose a plan to suit your hiking and trekking needs
Both our Standard Plan and Explorer Plan may offer many of the same benefits including coverage for hiking or trekking up to 6,000 meters, you just need to select the maximum elevation you’ll be hiking to at the time of getting your quote.
An upgrade for certain sports and activities may be required. Check out our FAQ article on covered sports and activities, which can help answer any questions you have around cover and selecting any optional upgrades for the activities you have planned when you buy your policy. Remember, you can’t add any sports or activities after your travel insurance has been purchased.
Hiking and similar activities level of cover guide:
- Bushwalking: Level 1 cover required
- Hiking over 6,000 metres in elevation: not covered
- Hiking up to 2,000 metres in elevation: Level 1 cover required
- Hiking up to 6,000 metres in elevation: level 3 cover required
- Mountaineering: not covered
- Free soloing: not covered
- Climbing: not covered
Terms, conditions, limits, exclusions apply, please read your Policy Document carefully and contact us if you have any questions.
What else do we cover?
World Nomads travel insurance is designed for adventurous souls like you who plan to hike and trek across stunning landscapes. Here are some of the many benefits offered by World Nomads:
- Sports and activities cover: World Nomads provides coverage for a wide range of activities, including hiking and trekking, scuba diving, rock climbing, surfing, camping and many more.
- Overseas medical assistance: If you find yourself injured on a remote trail in Torres del Paine National Park in Chile, emergency medical assistance can be lifesaving. We offer emergency medical coverage so you can get the treatment you need.
- Evacuation cover: your hiking adventure may be far away from medical facilities. With our cover, you could get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance team. If your injuries are worse than first thought, you could be repatriated back to New Zealand.
- Cover for gear loss and theft: Hiking often involves expensive equipment. Should your backpack or super expensive hiking boots go missing or be stolen, World Nomads may help compensate you for any lost or stolen gear.
- Cancellations and delays: Unexpected last minute cancellations or flight delays can derail plans. If your trek on Mount Kilimanjaro needs to be postponed due to unforeseen circumstances, you may be covered.
- Worldwide emergency support: The 24/7 Emergency Assistance team is ready to help travellers around the globe, you’ll never feel alone during your adventures.
- The freedom to explore: Your passion for adventure shouldn’t come with constant worry. Knowing that you're insured allows you to fully immerse yourself in incredible hikes like those found along Norway's fjords without fear.
World Nomads love hiking & trekking
As passionate hikers ourselves, we’ve designed our plans to cover hiking from the most intrepid trek to lazy weekend hike. Here are just a few of the most epic hikes and treks to explore worldwide:
- Inca Trail, Peru
- Anapurna Sanctuary Trek, Nepal
- Gotemba Trail, Japan
- Torres Del Paine, Chile
- Whale Trail, South Africa
- Paria River Canyon, USA
- Laugavegur Trail, Iceland
*All plans are different. Depending on the altitude you're hiking to, you may need upgrade your policy at the time of purchase. Conditions and exclusions apply. Read the Policy Document carefully to choose the right plan and/or adventure sport option for your trip.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
Common injuries and safety tips
Hiking and trekking can be tough on the body, so it’s smart to prepare for some of the common injuries that can arise:
- Sprained ankles and knee Injuries: Uneven terrain can strain joints. Invest in sturdy footwear with good ankle support and take breaks to prevent fatigue.
- Dehydration and heat stroke: Staying hydrated is essential, especially in hot climates. Carry plenty of water and drink fluids regularly.
- Altitude sickness: If you’re trekking at high altitudes, ascend gradually and allow your body time to adjust. Symptoms include headache, nausea, and dizziness.
If you find yourself injured and unable to continue your trek, get in touch with the Emergency Assistance team as soon as possible, seek out local medical help, and save any documentation for your claim.
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:
- If you travel against medical advice or neglect to adhere to the New Zealand government’s ‘Do Not Travel’ warnings issued prior to departure. For more information check out the SafeTravel website.
- Any pre-existing medical condition unless otherwise expressly stated in your Policy Document.
- Participation in a sport or activity not listed as covered in the Policy Document or agreed by World Nomads or where you haven’t paid the required additional premium.
- Extreme climbing and mountaineering: Ensure that the trek or hike your planning is covered in the first place. Some high-risk activities like may be excluded or require a certain level of cover. Be sure to check the Policy Document so that your chosen activity is covered.
- Ignoring safety guidelines: Insurance might not cover injuries resulting from not following safety advice, trekking without a guide in high-risk areas, or venturing into restricted zones.
- Expenses you incur after you return to New Zealand.
- Unattended baggage or personal items.
- Working or participating professionally in any activity or sport.
Get a quote from anywhere 24/7
With World Nomads travel insurance, you can buy your plan before you go or when you're already travellinng, anytime, anywhere, 24-hours a day. When you're ready, head to our website to get a quote, and reach out if you have any questions.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
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 died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for hiking and trekking. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Alberta to Zambia by helping cover some of those nasty accidents. For further info, click here
-
How do I get to the medical centre if I’m injured while trekking?
If you can, contact the emergency assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call the assistance team once you’re in safe hands. For further info, click here.
-
What if the airline loses my gear?
If your gear is lost or damaged by the airline, you have coverage under your policy to help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
-
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 may help cover these costs upfront. For further info, click here.
Travel Insurance for Hiking & Trekking Adventures
Simple and flexible travel insurance to take you trekking around the world. Buy at home or while travelling and claim online from anywhere in the world.
- As featured in:
As featured in:
- Consider travel insurance when going hiking?
- Choose a plan to suit your hiking and trekking needs
- Hiking and similar activities level of cover guide
- What else do we cover
- World Nomads love hiking & trekking
- Common injuries and safety tips
- What's not covered
Consider travel insurance when going hiking?
Are you ready to explore the world’s most breathtaking trails like New Zealand's Tongariro Alpine Crossing or scaling the peaks of Patagonia? Don’t take a step until you consider World Nomads travel insurance.
As an Australian traveller, your adventures in hiking and trekking deserve travel protection. From emergency medical expenses to trip cancellation, our Standard and Explorer plans offer a range of benefits that will allow you to focus on the journey ahead and not on potential mishaps.
Join fellow adventurers who have trusted World Nomads for over 20 years. Your next great adventure awaits.
Choose a plan to suit your hiking and trekking needs
Both our Standard Plan and Explorer Plan may offer many of the same benefits including coverage for hiking or trekking up to 6,000 meters, you just need to select the maximum elevation you’ll be hiking to at the time of getting your quote.
An upgrade for certain sports and activities may be required. Check out our FAQ article on covered sports and activities, which can help answer any questions you have around cover and selecting any optional upgrades for the activities you have planned when you buy your policy. Remember, you can’t add any sports or activities after your travel insurance has been purchased.
Terms, conditions, limits, exclusions apply, please read your Product Disclosure Statement (PDS) carefully and contact us if you have any questions.
Hiking and similar activities level of cover guide:
- Bushwalking: Level 1 cover required
- Hiking over 6,000 metres in elevation: not covered
- Hiking up to 2,000 metres in elevation: Level 1 cover required
- Hiking up to 6,000 metres in elevation: level 3 cover required
- Mountaineering: not covered
- Free soloing: not covered
- Climbing: not covered
What else do we cover?
World Nomads travel insurance is designed for adventurous souls like you who plan to hike and trek across stunning landscapes. Here are some of the many benefits offered by World Nomads:
- Sports and activities cover: World Nomads provides coverage for a wide range of activities, including hiking and trekking, scuba diving, rock climbing, surfing, camping and many more.
- Overseas medical assistance: If you find yourself injured on a remote trail in Torres del Paine National Park in Chile, emergency medical assistance can be lifesaving. We offer emergency medical coverage so you can get the treatment you need.
- Evacuation cover: your hiking adventure may be far away from medical facilities. With our cover, you could get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance team. If your injuries are worse than first thought, you could be repatriated back to Australia.
- Cover for gear loss and theft: Hiking often involves expensive equipment. Should your backpack or super expensive hiking boots go missing or be stolen, World Nomads may help compensate you for any lost or stolen gear.
- Cancellations and delays: Unexpected last minute cancellations or flight delays can derail plans. If your trek on Mount Kilimanjaro needs to be postponed due to unforeseen circumstances, you may be covered.
- Worldwide emergency support: The 24/7 Emergency Assistance team is ready to help travellers around the globe, you’ll never feel alone during your adventures.
- The freedom to explore: Your passion for adventure shouldn’t come with constant worry. Knowing that you're insured allows you to fully immerse yourself in incredible hikes like those found along Norway's fjords without fear.
World Nomads love hiking & trekking
As passionate hikers ourselves, we’ve designed our plans to cover hiking from the most intrepid trek to lazy weekend hike. Here are just a few of the most epic hikes and treks to explore worldwide:
- Inca Trail, Peru
- Anapurna Sanctuary Trek, Nepal
- Gotemba Trail, Japan
- Torres Del Paine, Chile
- Whale Trail, South Africa
- Paria River Canyon, USA
- Laugavegur Trail, Iceland
*All plans are different. Depending on the altitude you're hiking to, you may need upgrade your policy at the time of purchase. Conditions and exclusions apply. Read the PDS carefully to choose the right plan and/or adventure sport option for your trip.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
Common injuries and safety tips
Hiking and trekking can be tough on the body, so it’s smart to prepare for some of the common injuries that can arise:
- Sprained ankles and knee Injuries: Uneven terrain can strain joints. Invest in sturdy footwear with good ankle support and take breaks to prevent fatigue.
- Dehydration and heat stroke: Staying hydrated is essential, especially in hot climates. Carry plenty of water and drink fluids regularly.
- Altitude sickness: If you’re trekking at high altitudes, ascend gradually and allow your body time to adjust. Symptoms include headache, nausea, and dizziness.
If you find yourself injured and unable to continue your trek, get in touch with the Emergency Assistance team as soon as possible, seek out local medical help, and save any documentation for your claim.
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:
- If you travel against medical advice or neglect to adhere to the Australian government’s ‘Do Not Travel’ warnings issued prior to departure. For more information check out the smartraveller website.
- Any pre-existing medical condition unless otherwise expressly stated in your PDS.
- Participation in a sport or activity not listed as covered in the PDS or agreed by World Nomads or where you haven’t paid the required additional premium.
- Extreme climbing and mountaineering: Ensure that the trek or hike your planning is covered in the first place. Some high-risk activities like may be excluded or require a certain level of cover. Be sure to check the PDS so that your chosen activity is covered.
- Ignoring safety guidelines: Insurance might not cover injuries resulting from not following safety advice, trekking without a guide in high-risk areas, or venturing into restricted zones.
- Expenses you incur after you return to Australia.
- Unattended baggage or personal items.
- Working or participating professionally in any activity or sport.
Get a quote from anywhere 24/7
With World Nomads travel insurance, you can buy your plan before you go or when you're already travellinng, anytime, anywhere, 24-hours a day. When you're ready, head to our website to get a quote, and reach out if you have any questions.
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 PDS 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.
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 died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for hiking and trekking. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Alberta to Zambia 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 while trekking?
If you can, contact the emergency assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call the assistance team once you’re in safe hands. For further info, click here.
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What if the airline loses my gear?
If your gear is lost or damaged by the airline, you have coverage under your policy to help cover some of the cost to replace them. Some exclusions apply. 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 may help cover these costs upfront. For further info, click here.