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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.
Claim Paid: USD $1,536.33
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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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. 

Photo © Getty Images/Petar Chernaev
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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

Left home without travel insurance?

Learn more about how to buy travel insurance.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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. 

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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.
Y. Suleimenova
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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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.

  • 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.
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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.

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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:

  1. Report the incident to a responsible officer of the carrier as soon as possible.
  2. Obtain a Property Irregularity Report or a similar official report in writing.
  3. 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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. 

  • 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.
Photo © Photo © Mickey Wiswedel/Stocksy
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Travel Insurance for Hiking & Trekking Adventures

Simple and flexible travel insurance for New Zealanders trekking around the world. Buy anytime, anywhere.

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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.


Hiking
A group of people hiking on a mountain ridge. Photo credit: Getty Images / Kevin Schafer

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:

  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.

hiking
A group of people with backpacks walking in the mountains at sunset. Photo credit: Getty Images / Alexandr Dubynin

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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. 

Photo © Photo © Mickey Wiswedel/Stocksy
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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?

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.


Hiking
A group of people hiking on a mountain ridge. Photo credit: Getty Images / Kevin Schafer

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:

  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.
  1. 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.

hiking
A group of people with backpacks walking in the mountains at sunset. Photo credit: Getty Images / Alexandr Dubynin

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team

FAQ

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. 

Photo © Kanarys/IStock
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Travel insurance when 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 buy travel insurance when going scuba diving?

This information is for New Zealand residents. Calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Dive buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Stepped on a stonefish?
  • Got a serious squeeze?
  • Need 02 or hyperbaric treatment?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Sea level medical evac?
  • Need an ambulance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 40 meters – an additional premium may apply)
  • Learn-to-dive courses or discover scuba dives (with qualified instructors)
  • Shark cage diving
  • Cavern diving (up to 40 meters – an additional premium applies)
  • Snorkeling, island escapes, live-aboard trips, and more

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 team

FAQ

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. 

  • 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 our 24/7 Emergency Assistance Team 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.
Photo © Photo ○ Kanarys/IStock
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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 should I consider travel insurance when going scuba diving?

Whether you’re an experienced diver or its your first time heading into the deep blue when going diving you may need to have the right level of scuba diving activity under our travel insurance plans

All our plans are different and may require an upgrade to go scuba diving. Read the Product Disclosure Statement (PDS) carefully to choose the right plan and/or adventure sport option for your trip. Terms and conditions and exclusions apply, check your policy for details or contact us.

What are the different levels of activity cover?

There are three different levels of activity and sport coverage under World Nomads policies, these are as follows:

  • Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan
  • Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences
  • Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.

Simply specify all the sports and activities you have planned for your trip when you get your quote, as you can’t add them afterwards.

What am I covered for when scuba diving?

Under our Standard and Explorer plans there are certain special conditions and exclusions depending on the type of scuba diving experience you’re planning. See our list below to know what you’ll be covered or not covered for:

  • Scuba diving (qualified to 30 metres)# (1#) - Covered
  • Scuba diving (qualified to 40 metres)# (2#) - Covered
  • Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*) – Covered
  • Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#) – Covered
  • Cavern diving (qualified to 40 metres)*# (3*#) - Covered
  • Scuba diving - commercial – Not Covered
  • Scuba diving (over 40 metres) – Not Covered
  • Cave diving – Not Covered
  • Cavern diving (over 40 metres) – Not Covered
  • Free diving - Not Covered

(*) You must be with a professional, qualified and licensed guide or operator

(#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience

Note: sporting equipment that is checked-in is only covered where the carrier requires it be checked-in due to its size or weight. Always carefully read your PDS so you are clear on what is and isn’t covered under each plan. If you are still unsure about coverage you can contact us.

What's covered?

The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer – that provide coverage when backpacking overseas.

Our plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or feeling unwell, if severe weather interrupts your plans, and for many other reasons.

World Nomads may offer cover for the following (up to the policy limits):

  • 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: exploring the world  through a scuba diving lens can be a great experience, but not if it ends in 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
  • Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans
  • Delayed baggage: It can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo
  • And much more…

Note: Read your PDS for details on maximum benefit limits, exclusions and terms and conditions of your coverage.

Travel insurance tip: World Nomads provides travel insurance for more than 150 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.

What's not covered?

Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.

These include, but are not limited to:

  • Diving professionally
  • Reckless behaviour while diving or doing any activity or sports
  • Search and rescue expenses
  • Your scuba dive equipment while it is in use
  • Diving under the influence of drugs or alcohol
  • If you don’t keep your gear safe and secure at all times.
  • Expenses that can be recovered from other sources e.g., transport carriers, accommodation providers or other insurance policies

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.
  • When scuba diving with a group, listen to your instructor or dive guide regarding the planned route and what to look out for.
  • Monitor your air gauge and make sure you have enough air left to get back to the boat.
  • Descend and ascend slowly during every dive.
  • 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.

Want to know more?

Our Help Desk article on scuba diving can help you out if you have any further queries on coverage.


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.

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 40 meters – an additional premium may apply)
  • Learn-to-dive courses or discover scuba dives (with qualified instructors)
  • Shark cage diving
  • Cavern diving (up to 40 meters – an additional premium applies)
  • Snorkeling, island escapes, live-aboard trips, and more

FAQ

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 Help Centre or you can ask the customer service team. 

  • 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 hospitalisation 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 don't 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 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team
Photo © Visit Almaty/Pexels
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Travel insurance for ski & winter sports

Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.

    As featured in:

  • As featured in:

Whether you're carving up the slopes, enjoying the crisp powder, or unwinding après-ski, mishaps can occur both on and off the mountain. Whether you're a newbie going to ski school or a seasoned enthusiast chasing winter thrills, World Nomads travel insurance can help if the unexpected interrupts your winter escapade.


ski fields
People skiing. Photo credit: Pexels / Samuel Walker

What does World Nomads travel insurance cover for snow sports?

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

Choosing the right travel insurance 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
  • Backcountry Skiing and boarding
  • Cross-country skiing on marked trails
  • Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
  • Sledding and tobogganing
  • Snowmobiling, ice skating, snow rafting and more.

It’s important to note that all plans are different and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Policy Document 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.


ski fields
People skiing in mountains. Photo credit: Pexels / Tincho Santini

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 / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
  • 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 government ‘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 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.
  • Proof of purchase: any claim you make will need supporting documents 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.

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 contact us.

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.

FAQ's

Here are our most frequently asked questions about skiing and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. 

  • Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?

    Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.

    It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.

  • Are winter sports equipment covered by World Nomads travel insurance?
    We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.
  • Do you cover trip cancellations due to adverse weather conditions on the slopes?
    If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.
  • Is snow sports cover just for medical expenses?
    Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.

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?
  • Ski 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
  • Slipped on ice?
  • Tore your ACL or MCL?
  • Popped a shoulder?

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
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team
Photo © Visit Almaty/Pexels
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Travel insurance for ski & winter sports

Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.

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It doesn’t matter whether you’re all about the big dumps, fresh powder or apres-ski, accidents can happen on and off the piste, even for the most experienced powder hound. If you’re learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help if the unexpected hits your next winter adventure.


ski fields
People skiing. Photo credit: Pexels / Samuel Walker

What does World Nomads travel insurance cover for snow sports?

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

Choosing the right travel insurance 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
  • Backcountry Skiing and boarding
  • Cross-country skiing on marked trails
  • Terrain parks, 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 and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Product Disclosure Statement 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.


ski fields
People skiing in mountains. Photo credit: Pexels / Tincho Santini

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 / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
  • 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 government ‘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 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.
  • 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.

FAQ's

Here are our most frequently asked questions about ski and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. 

  • Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?

    Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.

    It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.

  • Are winter sports equipment covered by World Nomads travel insurance?

    We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.

  • Do you cover trip cancellations due to adverse weather conditions on the slopes?

    If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.

  • Is snow sports cover just for medical expenses?

    Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.

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?
  • Ski 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
  • Slipped on ice?
  • Tore your ACL or MCL?
  • Popped a shoulder?

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
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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 team