Travel Insurance Coverage for Pregnancy Complications
Expecting a new baby? Learn why you may want to consider travel insurance that may cover pregnancy complications
- As featured in:
As featured in:
At a glance
- World Nomads offers plans that may cover losses resulting from complications of pregnancy
- If you need to cancel or interrupt your trip due to a pregnancy complication, you may be reimbursed for pre-paid, non-refundable, unused, forfeited travel arrangements that you made in advance such as hotel accommodations, flights and tours. Terms and conditions apply to all mentioned above
- Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
- How are Pregnancy Complications defined in my travel protection plan?
- What May Be Covered for Pregnancy Complications
- Important to Know
- Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
- Take your medical records with you when you’re traveling while pregnant
- Tips we recommend for traveling while pregnant
- FAQs
Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
Did you book your dream vacation and then find out that you’re pregnant a week later? Or do you just need a little babymoon to have some relaxing time before your little one arrives? Either way, many women travel with confidence while pregnant, and you can too. We recommend you consult your doctor first just to make sure it’s safe for you to travel and then start thinking about the ‘what ifs’. As unexpected medical events can disrupt travel plans anytime, you may want to consider getting a quote for travel protection which includes insurance benefits and non-insurance services that may cover pregnancy complications.
How are Pregnancy Complications defined in my travel protection plan?
So what is a pregnancy complication? It’s important to know how World Nomads Travel Insurance plans define it. The following wording is directly from the plan document:
Complications of Pregnancy means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy.
What May Be Covered for Pregnancy Complications
- Emergency medical expense coverage
- Emergency evacuation and repatriation coverage
- Trip Cancellation or interrupting your trip due to complications from pregnancy
- Access to non-insurance services including pre-trip medical consultations
Important to Know
- Normal labor and childbirth, and routine check-ups are notcovered
- False labor or morning sickness are not covered. Only reasons listed in your plan documents may be covered
- In order to be eligible for coverage, you must be able to travel when you purchased the plan, and we recommend not travelling against your doctor’s orders
- Optional ‘Cancel for Any Reason’ travel insurance coverage may be beneficial for pregnancy
Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to $125,000 for accident & sickness medical expenses and up to $2,500 for trip cancellation Get a quote |
Up to $150,000 for accident & sickness medical expenses and up to $10,000 for trip cancellation Get a quote |
Up to $250,000 for accident & sickness medical expenses and up to $15,000 for trip cancellation Get a quote |
Up to $100,000 per trip and up to $5,000 trip cancellation for individual coverage term Get a quote |
Take your medical records with you when you’re traveling while pregnant
Another non-insurance service included when you purchase a World Nomads plan is access to our portable records service partner. They have a secure solution that allows you immediate access to your medical records anywhere in the world. If you’re traveling and end up in the hospital because of unexpected complications related to pregnancy, you’ll want your medical team to know about your prescriptions, allergies, medical conditions, immunization and more. It’s included, but you’ll need to register once you purchase a plan that includes coverage for pregnancy complications. Taking the time to set this up could be lifesaving for you and your baby if you unexpectedly have a medical emergency while you’re pregnant and traveling.
Tips we recommend for traveling while pregnant
- Always check with your doctor before traveling. If your doctor says you shouldn’t be traveling, and you do anyway, you may not be covered by your travel insurance coverage for pregnancy complications.
- Check with your travel providers to see if they have any restrictions for traveling while pregnant. For example, some airlines and cruises may not allow you to board when you’ve passed a certain point in your pregnancy.
- Before you leave, see if you need a note from your doctor. Some airlines may ask for a doctor’s note that states how far along you are in your pregnancy and confirms that you aren’t high risk.
- Book an aisle seat. It makes it easier to get up and down to go to the restroom.
- To help with circulation, wear compression socks when flying or taking long rides in a car or on a train. According to the National Institutes of Health, women are up to five times more likely to develop deep vein thrombosis (DVT) when they are pregnant. The potential for these blood clots may increase when you’re traveling and not moving for long periods of time.
- Drink plenty of water. The American Heart Association says that dehydration can cause Braxton-Hicks contractions.
- Pack all of your medications in your carry-on bag. If you have World Nomad Travel Insurance that may include coverage for pregnancy complications, it can also include coverage for lost and delayed bags, but you won’t want to be without any necessary medications.
- Avoid strenuous excursions. Even though World Nomads covers over 250 sports, activities and experiences, you may want to save some adventures like bungee jumping until after the baby arrives. Exclusion applies to Adventure or Extreme Activities.
FAQ
Here are our most frequently asked questions about cover for pregnancy. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I fly while I’m pregnant?
That’s up to you to discuss with your doctor. Your airline might ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications. It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to make a claim.
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Are trip cancellation insurance benefits included in my travel protection plan in the event of a pregnancy complication?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if you have pregnancy complications before you travel that prevent you from traveling. You’ll need documentation from your medical team if you plan to make a claim though.
(The optional ‘Cancel for Any Reason’ add-on allows you to cancel for any reason not otherwise covered by the plan, but it is only available for those who purchase the Explorer or Epic plans, and it must be purchased during the time sensitive period. Available at an additional cost for U.S. residents, not available to residents of New York.
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What complications of pregnancy may be covered?
Complications of Pregnancy are conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy. If you have questions, contact us and ask.
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How do I make a claim?
You can make a claim online, but you’ll need to provide required documents that may include:
- Copies of receipts and invoices showing the unused, forfeited, prepaid,
non-refundable travel expenses that you paid for in advance and weren’t able to use because of your pregnancy complications
- Copies of receipts and invoices for medical expenses
- Documentation from your medical team showing that they advised you not to travel
You must notify us within 20 days of any losses and submit your documentation within 90 days or as soon as reasonably possible.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Hiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for US Residents
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As featured in:
At a glance:
- World Nomads offers plans that cover hiking at high altitudes, including treks 26,247 feet/8,000 meters with the Epic Plan.
- All travel insurance plans have coverage for emergency medical expenses, evacuations, baggage loss, trip cancellations, and 250+ other adventure activities.
- Optional Cancel for Any Reason (CFAR) coverage adds flexibility if plans change unexpectedly (must be added within 7 days of first deposit for your trip).
- Access pre-trip telehealth services to get travel medication, like altitude sickness pills or necessary vaccinations, before you go.
- How can I protect my hiking trip with travel insurance coverage?
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Travel insurance benefits for hiking
- What's not covered
- Top tips for your hiking adventure
- Other adventure activities covered
Whether you’re trekking to Everest's Base Camp, Tanzania's Mt. Kilimanjaro or just going for a high-altitude hike in a neighboring state, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.
Hiking and trekking travel insurance coverage
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer coverage for some of the world’s most famous hikes and 250 other sports, activities and experiences.
We offer four plans – Standard, Explorer, Epic and Annual – each with different maximum elevaton coverages for your hike:
-
Standard Plan
covers hikes up to
19,685 feet/6,000 meters -
Explorer plan
covers hikes up to
21,325 feet/6,500 meters -
Epic plan
covers hikes up to
26,247 feet/8,000 meters -
Annual plan
covers hikes up to
19,685 feet/6,000 meters
Get a quote and compare the plans to see which level of coverage is right for you.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia or embarking on the Tour du Mont Blanc.
What travel insurance benefits could cover you and your hiking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses: if you get hurt while hiking on your trip and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your hiking injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
All plans also include several additional non-insurance services that may support you both before and during your hike. These include pre-trip medical consultations and storing your medical records digitally.
What may not be covered?
- Being under the influence of narcotics
- Unattended baggage, sporting equipment or personal items.
- Travel within 100 miles of your home.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our pre-departure telehealth service to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits for covered activities. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel protection plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers three single-trip travel protection plans (Standard, Explorer, and Epic), plus an Annual Plan, each with different elevation coverage to match your goals. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travelers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse non-refundable costs if you cancel for a covered reason (like sickness or injury). If you’re considering purchasing the Explorer or Epic plans with optional Cancel For Any Reason (CFAR) coverage, it must be purchased within seven days of your first trip deposit (such as booking a flight or putting money down on a hotel). Purchasing early also gives you access to our non-insurance pre-trip telehealth service, which can help you get essential medications—like altitude sickness pills or antibiotics just in case last night’s campfire chili doesn’t agree with you. Planning ahead means more flexibility and fewer surprises on the trail.
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for insurance coverage with World Nomads?
Yes, each plan has a different altitude maximum.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
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Do I need insurance coverage for multi-day hiking trips?
Yes, multi-day hiking and trekking adventures may require more robust travel insurance coverage due to the added risks of being in remote areas for extended periods. World Nomads offers a range of plans that may cover emergency medical care, evacuation, trip cancellation, gear protection, and more. Our plans also include different elevation limits, so whether you're doing a relaxed overnight hike or a challenging high-altitude trek, you can choose a plan that fits the level of adventure you're planning.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
20250224-4259830Travel 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)
We cover 250+ activities you love
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 teamTrip Cancellation Travel Insurance Plans
Learn how trip cancellation benefits may help protect Canadian travellers who need to unexpectedly change their plans
- As featured in:
As featured in:
At a glance
- Cancel with confidence: Trip cancellation travel insurance is included in all World Nomads plans for Canadian residents
- Protection for plans that change: You may be reimbursed for prepaid, non-refundable trip expenses if you need to cancel your trip for an unforeseen, covered event
- Multiple covered reasons: Several unexpected situations may be covered such as sickness, natural disasters, strikes, and more
- More flexibility, if you want it: An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans, and allows you to cancel your trip for any reason up to 48 hours before your departure date
- Why should you consider travel insurance for trip cancellation?
- Covered Reasons for Trip Cancellation
- Exclusions
- Trip Cancellation Maximum Limits
- How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
- What you'll need to file a trip cancellation claim
- Traveller Tips
- FAQs
Why should you consider travel insurance for trip cancellation?
Even when you’ve meticulously planned out all of the details of your dream vacation, sometimes things happen that cause you to have to cancel your trip. What happens if you get sick before your vacation and your physician says you’re not well enough to travel? It’s painful enough to have to miss out on a foodie getaway to Italy or a safari through Africa, but it’s even worse to also lose all of the money that you’ve already paid toward your trip. With travel insurance with trip cancellation benefits, you may be reimbursed for the non-refundable, prepaid money you’ve spent for things like tours, transportation and hotel accommodations if you need to cancel for a covered reason.
Covered Reasons for Trip Cancellation
- Unexpected sickness or injury
- Death or sickness of immediate family member, travel companion, or business partner
- Travel advisories
- Job layoff or relocation
- Cancellation of previously approved vacation time by employer
- Call to military service
- Cancelled weddings
- Jury duty
- Airline delays that cause you to miss at least 30% of your trip
- Legal summons
- Felonious assault
- Financial default of your travel supplier
- Natural disasters
- Unannounced strikes
Exclusions
- Changing your mind about travelling
- Visas and passports that arrive late
- Events that are known before you buy your policy
- Events not listed as covered in your policy wording
- Epidemics and pandemics
- Pre-existing medical conditions that are excluded in the policy
Trip Cancellation Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $2,500 Get a quote |
Up to $10,000 Get a quote |
Up to $15,000 Get a quote |
Up to $10,000 Get a quote |
How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
Trip cancellation insurance is included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents. It gives you the opportunity to cancel your trip before you depart – but only for covered reasons.
‘Cancel for Any Reason’ coverage allows you to cancel for a wider range of reasons, though – even if you just change your mind. The ‘Cancel for Any Reason’ travel insurance benefit isn’t automatically included, but it’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate.
What you'll need to file a trip cancellation claim
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately.
You can then file a claim online. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
Traveller Tips
As travellers ourselves, we’ve felt the heartache of having to cancel trips. Here are a few of our personal travel tips that may help you avoid painful cancellations.
- If you have an option to book refundable airline tickets, hotels, and tours, do it even if it costs a little more.
- When you get a quote for trip cancellation travel insurance, read the policy documents and make sure you understand the covered reasons for cancellation.
- If you think you may want to cancel for any other reason, consider adding on the optional ‘Cancel for Any Reason’ travel insurance that’s available if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip.
- Sickness is a significant reason travellers have to cancel their trips, so do your best to stay healthy. According to data shared by the Canadian Government, 15,000 Canadians spend time in the hospital each year because of the flu. If you need to cancel your trip because of sickness, make sure you get documentation to prove that your doctor advised you not to travel.
- Save all of your receipts. Every. Single. One. Don’t wait until you’re trying to make a claim – it’s painful digging through old emails to find those. Once you start planning your trip, create a folder and save everything in one place.
- Check out the Canadian Transportation Agency’s Air Passenger Protection Regulations to see what is covered by various airlines. Many airlines will cover things such as meals, hotel accommodations and transportation if a cancellation is due to circumstances within their control.
- Always try to get reimbursement from your airline first if they cancel a flight. Your travel protection plan is considered secondary coverage, and your travel insurance benefits may kick in after you’ve exhausted any benefits from the source of your cancellation.
- Before you book your trip, do your research and check out the Canadian government’s safety warnings for your destination before travelling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where they list any current travel advisories.
- As soon as you start planning an international trip, check the expiration date of your passport. If your passport is expired, or if you apply for one and don’t receive it in time, you won’t be able to make a trip cancellation insurance claim if you aren’t able to travel to your destination.
FAQ
Here are our most frequently asked questions about cancellation cover. 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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Do all World Nomads plans include trip cancellation insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include trip cancellation insurance benefits. You may be reimbursed for prepaid, non-refundable expenses that you paid for in advance, but only if your situation is one of the cancellation reasons listed in your plan wording. Maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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What does trip cancellation coverage include?
Trip cancellation is a benefit that reimburses you for unused, prepaid, non-refundable trip payments if you need to cancel for an unforeseen, covered event such as an illness, injury, a death in the family or an airline strike. Reimbursable costs may include things like airfare, train tickets, hotel rooms and/or tour expenses.
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What is the best travel insurance plan?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare the single trip and annual multi-trip plans side by side. Consider how much money you’ve spent on your trip, and review all of the plans to determine which is the best option for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all single and annual multi-trip plans offered by World Nomads, and you could be reimbursed for unused, prepaid, non-refundable expenses like flights, tours and/or accommodations if your trip is cancelled for a covered reason (up to maximum benefits as shown in your policy documents).
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Does trip cancellation insurance cover sickness?
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- You or your travel companion’s caregiver
- You or your travel companion’s key employee
- Your or your travel companion’s business partner
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How do I file a claim if I need to cancel my trip?
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately. You can then file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those prepaid, non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your cancelled trip as well. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Baggage Travel Insurance for Canadian Travellers
Learn how travel insurance for baggage may help if your bags are lost, delayed, stolen or damaged
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that includes protection for baggage, sporting equipment, and personal items
- Lost, stolen, and delayed bags and sporting equipment may be covered
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for necessary personal effects for essential items such as clothing and toiletries, so you're not left wearing the same thing until you get your bags (up to maximum benefit limits as shown in your policy documents)
- Damaged or stolen passports, baggage, or personal items such as cameras and computers may be covered (up to the depreciated value and subject to per-item and maximum limits)
- Why should you consider travel insurance for stolen, lost or delayed bags?
- What’s Covered by Baggage Insurance
- Important to Know
- Maximum Limits for Baggage and Personal Items
- How to Make a Claim for Lost or Stolen Baggage and Personal Effects
- Travel and Packing Tips
- FAQs
Why should you consider travel insurance for stolen, lost or delayed bags?
We’ve been the ones sitting at the baggage carousel waiting for the bag that never came, and unfortunately, we’re not the only ones. Data reported by TravelPulse Canada showed that almost one in three Canadians have had their luggage misplaced by an airline. Because of that, you may want to consider getting a quote for travel insurance for baggage and personal effects. If your bags are lost by a common carrier, travel insurance may reimburse you for the depreciated value to replace items such as clothing, cameras, computers and more (maximum benefit limits and per-item limits apply).
Sometimes your bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you may be reimbursed for things such as toiletries or a change of clothes (up to maximum benefit limits shown in your policy).
What’s Covered by Baggage Insurance
- Baggage delays by your airline or other common carrier on the way to your destination
- Bags and sporting equipment lost or damaged by your airline or common carrier
- Stolen baggage or personal items (including your smartphone or camera)
- Stolen sporting equipment
- Sporting equipment delay
- Damaged, lost, or stolen passports and IDs
Important to Know
- Bags left unsupervised or in an unlocked car won’t be covered
- Stolen items must be reported to the local authorities and you must obtain a police report.
- Benefits are payable only after you’ve exhausted reimbursement from your transportation carrier or other responsible parties
- Lost or stolen items are subject to depreciation
- Coverage is subject to per-item and total maximum benefit limit amounts as shown in your policy
Maximum Limits for Baggage and Personal Items
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Baggage Loss: Up to $1,000 CAD total, and up to $500 per item Baggage Delay: Up to $250 Travel Documents Theft or Damage: Up to $250 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 for each item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
Baggage Loss: Up to $5,000 total, and up to $1,500 per item Baggage Delay: Up to $1,000 Travel Documents Theft or Damage: Up to $1,500 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 per item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
How to Make a Claim for Lost or Stolen Baggage and Personal Effects
If your baggage or personal effects get stolen or damaged, you must notify us within 24 hours of the loss. You must also report the theft or damage to police, as well as your tour operator representatives, the hotel manager or official transportation representative, and obtain a written report.
When making a claim, you may need to submit documentation such as:
- A letter of coverage or denial from the transportation carrier or other responsible party
- The written report regarding the theft or damage
- Receipts for all lost or stolen articles over $149.99 CAD
Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen while travelling. These are challenging circumstances, but there are a few essential traveller tips that can help you be proactive, in hopes that you can avoid these situations.
- Consider travelling with a carry-on only. This is the best way to avoid bags getting lost or delayed by your airline.
- If you must check a bag, make sure your medications, glasses, contact lenses and hearing aids are in your carry-on. You won’t want to be without those things and travel insurance for lost or delayed bags won’t cover those items.
- If you need to make a claim for a lost or stolen bag, you’ll need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing prior to leaving on the trip.
- Enable location tracking on your phone, tablet and laptop.
- Leave the flashy jewelry and valuables at home.
FAQ
Here are our most frequently asked questions about cover for baggage. 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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Do World Nomads plans include travel insurance for lost or delayed bags?
Yes, all World Nomads plans include travel insurance for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-item and maximum limits. You can then see which travel insurance plan is the best for your needs.
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Does travel insurance include coverage for stolen bags?
If your bags are stolen while you’re travelling, and you didn’t leave them unattended, you may be able to be reimbursed for the depreciated value of certain items that you can prove you owned. Make sure you report the theft to local authorities as soon as it happens though and obtain a written report – you’ll need that documentation. Also, per-item and maximum limits apply, so you’ll want to reference your policy to see how much you may be able to claim. If you have any questions about what you may be able to claim, contact our team.
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What do I do if the airline loses my bags?
If your airline loses your checked baggage, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. After you’ve exhausted reimbursement benefits from your airline or other responsible party, you can submit a claim; travel insurance may cover the depreciated value of lost items (up to the maximum benefit limits and per- item limits shown in your policy). You’ll also need to keep any relevant tickets, luggage check information, receipts and other documentation related to the issue. You’ll need these items if you plan to make a claim.
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Does travel insurance cover pickpocketing?
Pickpocketing is common in some destinations and is especially prevalent in areas where there are large crowds. While there are things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance may cover the cost to replace your stolen items (subject to depreciation). Just make sure you make a report with the local police as soon as it happens and obtain a written report. You will need this documentation if you plan to make a claim.
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What should I do if my passport is stolen?
If your passport is stolen, or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of a replacement (up to maximum limits as shown in your policy documents).
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.
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Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. You may be eligible for reimbursement of the actual cash value (which is the purchase price less any depreciated value) or the cost of replacement. The policy defines depreciated value, making proper allowances for wear and tear based on the age of the item.
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If my bags are delayed, what may I be reimbursed for?
If your checked-in bags are delayed by your airline or other common carrier for 12 hours or more en route to your destination, your plan may provide reimbursement for necessary personal effects such as essential items like clothing and toiletries, so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
If you’re not sure what you can claim, contact our team.
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Are high value items covered by travel insurance?
If a high-value item has been stolen or damaged, you are able to submit a claim up to the maximum benefit limits applicable to the baggage, personal effects and sporting equipment section of the policy.
Keep in mind that there are some things that we don’t cover at all such as antiques and collectibles, furniture and fragile objects. Always read your plan wording carefully to ensure you have adequate coverage for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance Benefits for Delayed Bags
Learn how travel insurance benefits may help US Residents if an airline delays their bags
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At a glance
- World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
- Travel insurance benefits for delayed bags are included in all World Nomads plans (per-day and maximum limits vary by plan)
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes
- A non-insurance service that’s included with all plans may help reunite you with lost checked baggage
- Why should I consider travel insurance and non-insurance assistance services for delayed bags?
- Items You May Be Reimbursed For
- Some exclusions that may not be covered
- Maximum Benefit Amounts For Baggage Delay
- What to Do If Your Bags Are Delayed
- FAQs
Why should I consider travel insurance and non-insurance assistance services for delayed bags?
According to the Bureau of Transportation Statistics, more than 5% of bags are lost, damaged, delayed, or pilfered by US air carriers*. If your luggage goes missing, World Nomads Travel Insurance offers travel protection plans with two ways to help—first by helping track it down with an included non-insurance service perk, and second by helping cover essential purchases while you wait. The non-insurance service covers every flight, anywhere in the world. If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still missing, your next message should be to our Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly.
If your checked-in bags are delayed or misdirected by your common carrier for more than 12 hours en route to your destination, your plan may also reimburse you for essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and necessary essential items, such as a warm coat if you’ve arrived at the ski slopes in Japan. (Per-day and maximum limits apply.)
Items You May Be Reimbursed For
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
- Reasonable essential items deemed necessary
Some exclusions that may not be covered
- Eyeglasses, sunglasses, or contact lenses
- Hearing aids
- Orthodontic devices
- Prescription medications
- Credit cards**
- Tickets**
- Cash and documents**
**(except as otherwise specifically covered herein)
Maximum Benefit Amounts For Baggage Delay
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 total Get a quote |
What to Do If Your Bags Are Delayed
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- Contact our Delayed or Lost Baggage Tracking and Delivery service partner and provide them with the file reference, record locator number, and Property Irregularity Report.
- If your checked bags are delayed by your common carrier for at least 12 hours, you may be reimbursed for essential items such as toiletries and a change of clothes. Review your plan documents to see what your per-item and maximum limits are.
- Don’t go on a shopping spree and get a new wardrobe if your bags are delayed. Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises).
- Save receipts for all items you purchase.
- You’ll then need to file a claim online within 20 days after a loss occurs.
- Submit relevant receipts for the items you buy as part of the claim process within 90 days.
FAQ
Here are our most frequently asked questions about cover for delayed bags 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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Do all World Nomads plans include travel insurance for delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for delayed bags, though each plan has different per-day and maximum limits. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-day and maximum limits. All plans also include access to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner that could help reunite you with your bag if it is lost or delayed.
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What should I do if my bags aren’t at the airport when I land?
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report.
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Can I get new clothes to wear until my bags are found?
If your baggage is delayed for at least 12 hours, you may be reimbursed for toiletries and a change of clothes until you and your bags are reunited. Per-day and maximum benefit limits do apply though, so this doesn’t mean you should go on a shopping spree and buy expensive designer outfits.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
If you’re not sure what you can claim under your baggage delay travel insurance benefits, contact our team.
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Can I be reimbursed for a new coat if my bag is delayed and I’m in a cold destination?
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), you may be reimbursed for that.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items.
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What is the non-insurance delayed and lost baggage tracking and delivery service?
This is an additional service that is included in your World Nomads Travel Insurance plan. If your checked baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may help. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
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Do travel insurance benefits cover lost and stolen bags?
Yes, certain travel insurance benefits may cover lost and stolen bags (up to per item and maximum benefit amount) Terms and conditions apply. When you get a quote for travel protection with baggage benefits, you can compare the plans side by side. If you’re not sure what’s covered, contact our team.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance while already abroad
Get covered by World Nomads, even if you're already overseas
- As featured in:
As featured in:
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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Is there a waiting period?
Yes, there is a waiting period for the policy and for types of cover. You can find the details in the Policy Wording.
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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.
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How do I extend my travel insurance if I'm already abroad?
You can extend your Single Trip policy online while already travelling as soon as your policy starts, up until 11.59pm GMT on the end date shown on your Certificate of Insurance. Please check the terms of the Policy Wording to confirm you are eligible.
Already travelling, decided to extend your stay and realised your travel insurance has expired? Or worse… realised you never bought it in the first place?
With World Nomads, if you live in the United Kingdom and you’re 69 years or younger, you can buy a policy online, anytime, from anywhere in the world.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside the UK, 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 after leaving home or when already overseas, a waiting period may apply, which means you may have to wait up to 72 hours for full cover to apply, and certain benefits (like pre-trip cancellation) may not be available as you’ve already left home (for trips solely winthin the UK) or boarded your transportation for international trips. Where the insurance is purchased after your trip has commenced, your country of residence will determine the laws, regulations and tax that apply.
Any illness or injury that occurs during the waiting period may be considered a pre-existing medical condition and, as a result, will not be covered. However, no waiting period applies if you're seriously injured as a result of an accident, if it’s witnessed by someone else, after you buy a policy.
Lastly, if you buy a new policy before your current policy expires, you'll have continuous cover. However, as your new policy terms and conditions may differ from your previous one, be sure to read the Policy Wording before you buy, as it will have full details of the cover, limits, conditions, and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveller support
- 24/7 Emergency Medical Assistance
Waiting Periods apply
Malaria at Christmas
On the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A.G. Brazilian Nomad in Zambia
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need 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?
- You or a family member dead?
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 teamBuy Travel Insurance Away From Home
If you forgot to buy travel insurance before you left, Canadians can still be covered
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As featured in:
At a glance
- World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents
- You can purchase travel insurance even if your trip has already started (waiting periods, conditions and restrictions may apply)
- You can get a quote from almost anywhere in the world, as long as you have an internet connection
- Coverage for emergency medical expenses, trip delay, lost bags, natural disasters, and more may be included (up to the maximum benefit limits shown in your policy documents)
- How can I purchase travel insurance if I’m already travelling?
- Included in All Plans
- Exclusions
- Maximum Coverage Limits
- How to Make a Travel Insurance Claim
- FAQs
How can I purchase travel insurance if I’m already travelling?
With all the excitement of packing your bags, jumping on a plane, and jetting off to a faraway destination, travel insurance may slip your mind. If you forgot to buy travel insurance before leaving on your trip, you may be asking yourself “Can I buy travel insurance while already travelling?” The answer is yes! If you’ve left home without travel insurance or your plan has run out while you’re still on the road, don’t panic.
World Nomads has travel insurance plans for Canadian residents that you can buy online, anytime, from almost anywhere in the world – all you need is a good internet connection. Head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging by the pool at your resort.
Excluded
- Pre-existing medical conditions, as outlined in your policy documents
- Incidents related to drug or alcohol use
- Non-emergency treatment that can wait until you return home
- Expenses that are payable under any other source (travel insurance is considered secondary)
- Injuries or sickness that occurs in the 48-hour waiting period if you purchase a policy after you leave your home province
- Situations outside of the limits, terms, and conditions of coverage stated in your policy
Maximum Coverage Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Interruption: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per item limit of up to $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Interruption: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Interruption: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per item limit of up to $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Interruption: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD Get a quote |
How to Make a Travel Insurance Claim
Hopefully, you’ll have a smooth vacation and won’t need to use your travel insurance benefits. But even by being overly cautious and planning ahead, unexpected situations such as sickness and injuries can happen. A survey showed that 40% of travellers have experienced medical issues when travelling abroad.
If you have a World Nomads Travel Insurance plan, and experience a sudden, unforeseen circumstance due to a covered risk, you’ll need to contact us as soon as possible and provide certain information that may include:
- Your name and contact information
- Your policy number
- The type of loss, as well as the amount
- The name of your travel suppliers
- The trip dates
- The amount you paid for your trip
You can then file a claim online. Claims can be made through your World Nomads member’s page at: https://www.worldnomads.com/travel-insurance-claims. Depending on the reason for your claim, you’ll need to provide required documentation that may include:
- Receipts and invoices
- Itineraries
- A statement from your attending physician
- Medical bills and reports.
- Written documentation from the travel provider that explains the reason for your loss
- Proof of payment for the trip such as cancelled cheque or credit card statements
- Reports from the police or other authorities.
FAQ
Here are our most frequently asked questions about cover for 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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Can I buy travel insurance after I’ve already left home?
Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online from almost anywhere in the world.
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When does my coverage start if I buy travel insurance after departure?
If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from almost anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date (as shown on your policy certificate). Your departure date will be 12.01am local time on the date that you are originally scheduled to start your trip as shown on your policy certificate. Also, after an event has occurred, such as a natural disaster, you can’t be covered for that specific event. New events may still be covered, but if you’ve bought your policy after a storm is named we won’t be able to cover you for losses related to that storm.
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Are there any restrictions if I buy travel insurance after departure?
Yes. If you purchase a plan while already travelling, certain restrictions may apply — such as waiting periods or known events (like if a storm is already coming your way). There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. There are also pre-existing medical condition exclusions that apply to medical conditions and/or symptoms that existed prior to your policy start date. Always review your plan details to understand what is and isn’t covered before you buy. If you have any questions, contact us and ask.
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Why should I buy travel insurance if I’m already on my trip?
Even if you’ve already left home, travel insurance may help with unexpected events like medical emergencies, stolen gear, or trip interruptions.
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Can I use my travel insurance coverage while travelling within Canada?
Yes. Your travel insurance plan from World Nomads is valid if you are travelling outside of your home province.
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Am I required to have a GHIP if I am travelling?
You must have Government Health Insurance Plan (“GHIP”) coverage in your home province for your entire trip to be eligible for the maximum emergency medical benefit limit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
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If I’m on a trip and want to stay longer, can I extend my policy?
If you’re having fun and want to stay travelling longer, you may apply for an optional policy extension, as long as you haven’t made a claim and don’t have a reason to make one.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Worldwide 24 hour Emergency Assistance
Wherever you are, we’re there to help!
- As featured in:
As featured in:
Emergency Assistance for New Zealanders
24 hours a day, 7 days a week
If it's an emergency, such as a serious injury, sudden illness, an accident or hospitalisation, contact our Emergency Assistance team as soon as possible. Our Emergency Assistance Team are available 24/7, 365 days a year.
From New Zealand & Overseas:
+61 2 8263 0470
+61 2 8292 1470
Within Australia (free call):
1800 611 210
SMS: +61 4 1720 4602
Email: assist@worldnomads.com
Not a kiwi? Find the right Emergency Assistance team:
Be prepared.
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
- Prescribed medication (if any)
How does my travel insurance policy help me in an emergency?
Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.Bitten by a tick in Colombia
I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
A.B. Norwegian Nomad in Colombia
Emergency Assistance for U.S. Residents
Wherever you are, we’re there to help!
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Emergency Assistance for U.S. Residents
If you get hurt or sick while on vacation, contact local authorities as soon as you’re able to do so for immediate attention.
If you are currently experiencing an emergency while on your trip, contact the non-insurance 24/7 Emergency Assistance Team at your earliest opportunity. The team may be able to help arrange emergency evacuations, offer translation assistance or get you to a suitable medical facility depending upon your individual situation and the coverage provided by your plan.
Telephone: +1-877-289-0968 (toll free within the US and Canada)
Telephone: +1-954-334-8143 (Collect worldwide)
Email: ops@gga-usa.com
Not from the U.S? Find the right Emergency Assistance team:
Be prepared.
The Emergency Assistance team will want to quickly assist you, so please be ready with the following:
- Your plan number (if you have it on you)
- A contact number for where you are now
- The nature of your problem
- Your location
- Prescribed medication (if any)
Bitten by a tick in Colombia
I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
A.B. Norwegian Nomad in Colombia.
