The vast landscapes and vibrant cities of Canada have a lot to offer travelers from solo adventurers to families. From the breathtaking Rockies to cosmopolitan hubs like Toronto and Vancouver, Canada offers something for everyone. Embrace outdoor activities in Alberta, multicultural cuisine in Quebec, and a welcoming atmosphere that promises unforgettable memories.

Wherever your visit to the land of the maple leaf takes you, our policies offer benefits for:

• Overseas medical emergencies
• Medical evacuation and repatriation
• Coronavirus
• Cancellation
• Delayed Baggage
• Adventures, sports, and activities

And if you’ve already left on your trip, don’t worry – with World Nomads you can buy travel insurance while on the road.

Choosing the right policy for you

We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs on your Canadian adventure.

Cover for medical emergencies

Whether you’re planning on hiking in Banff National Park or seeing the Northern Lights in the Yukon, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and worry about how you’re going to pay medical bills. Our overseas medical insurance offers cover for emergency medical treatment if you need:

• Hospitalization
• Day surgery and out-patient treatment
• Visits to registered medical practitioners
• Prescribed medicines
• Ambulances
• Medical evacuation, even from remote areas
• Emergency dental treatment
• Extra expenses to get you home, if medically necessary

Travel tip 1: know your own medical history and needs. For example, if you have existing medical condition(s) that may invalidate your cover. In some cases, you may need to have a doctor sign off that you’re fit to travel. If you’re not sure whether you’re covered, contact us.

24/7 emergency assistance

The Emergency Assistance team is available 24/7 and can help you in a medical emergency. The EA team can also arrange medical transport, set up direct payments to medical facilities, and give support to you and your family.

Coverage for Coronavirus

Both our Standard and Explorer policies offer cover for emergency medical assistance if you get sick with Covid-19 whilst traveling around Canada.

Our Explorer plan also offers cover for some Coronavirus related events such as cancellation, trip interruption expenses, and some quarantine costs, as well as additional benefits for healthcare workers, residential care workers, and law enforcement officers who have their pre-arranged leave canceled by their employer due to Coronavirus.

Check out our What’s Covered for Coronavirus article, and contact us if you have any questions.

Trip cancellation

If your travel plans change unexpectedly and some or all of your trip is canceled, our policies offer coverage (up to benefit limits) for some non-refundable, pre-paid transport and accommodation expenses.

All of our policies can offer coverage for you if you can’t travel because:

• A doctor certifies that you’re medically unfit to travel,
• You, your traveling companion, or a close relative is hospitalized or dies
• Your transport is canceled or delayed because of severe weather, natural disaster, hijacking, or strike.

Delayed baggage

What do you do if you’re arrived in Vancouver, but your bags haven’t? If your luggage is delayed for more than 12 hours, our policies cover essential purchases so you can rest easy while you wait for your bags to turn up.

Our policies also offer coverage if your bags and personal effects are lost, damaged, or stolen.

Travel tip 2: make copies of your essential travel documents and carry essentials such as toiletries, medications, and irreplaceable items in your carry-on luggage.

Cover for adventure activities and sports

If you’re into the outdoors, Canada is the place to go! Our travel insurance policies offer cover for more than 150 activities, sports, and experiences from skiing in Whistler, to hiking in Jasper National Park, or mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting.

Keep in mind that some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply. Be sure to read the exclusions section of your policy closely because some activities such as Mountaineering and professional sports are not covered.

If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organize your policy.

Travel tip 3: Canada experiences diverse climates. Pack layers, waterproof gear, and check weather forecasts before heading out for your adventures.

Want travel inspo for your Canadian adventures?

Check out our handy guides to get better acquainted with the ‘Great White North’:

• Your free insider’s guide to Canada
• Canadian Summer or Snow? A guide to choosing when to go
• Finding the Northern Lights in Yellowknife, Canada
• The best 8 places to see wildlife in Canada

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.

The vast landscapes and vibrant cities of Canada have a lot to offer travellers from solo adventurers to families. From the breathtaking Rockies, to cosmopolitan hubs like Toronto and Vancouver, Canada offers something for everyone. Embrace outdoor activities in Alberta, multicultural cuisine in Quebec, and a welcoming atmosphere that promises unforgettable memories.

Wherever your visit to the land of the maple leaf takes you, our policies offer benefits (up to the policy limits) for:

• Overseas medical emergencies
• Medical evacuation and repatriation
• Coronavirus
• Cancellation
• Delayed Baggage
• Adventures, sports, and activities

And if you’ve already left on your trip, don’t worry – with World Nomads you can buy travel insurance while on the road.

Choosing the right policy for you

We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs on your Canadian adventure.

Cover for medical emergencies

Whether you’re planning on hiking in Banff National Park, or seeing the Northern Lights in the Yukon, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and worry about how you’re going to pay medical bills. Our overseas medical insurance offers cover for emergency medical treatment if you need:

• Hospitalisation
• Day surgery and out-patient treatment
• Visits to registered medical practitioners
• Prescribed medicines
• Ambulances
• Medical evacuation, even from remote areas
• Emergency dental treatment
• Extra expenses to get you home, if medically necessary

Travel tip: know your own medical history and needs. For example, if you have an existing medical condition(s), that may invalidate your cover. In some cases, you may need to have a doctor sign off that you’re fit to travel. If you’re not sure whether you’re covered, contact us.

24/7 emergency assistance

The Emergency Assistance team are available 24/7 and can help you if you are having a medical emergency. They can also help arrange medical transport, set up direct payments to medical facilities and give support to you and your family.

Coverage for Coronavirus

Both our Standard and Explorer policies offer cover for emergency medical assistance if you get sick with Covid-19 whilst travelling around Canada.

Our Explorer plan also offers cover for some Coronavirus related events such as cancellation, trip interruption expenses and some quarantine costs, as well as additional benefits for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus.

Check out our What’s Covered for Coronavirus article, and contact us if you have any questions.

Trip cancellation

If your travel plans change unexpectedly and some or all of your trip is cancelled, our policies offer coverage (up to benefit limits) for some non-refundable, pre-paid transport and accommodation expenses.

All of our policies can offer coverage for you if you can’t travel because:

• A doctor certifies that you’re medically unfit to travel,
• You, your travelling companion, or a close relative is hospitalised or dies
• Your transport is cancelled or delayed because of severe weather, natural disaster, hijacking, or strike.

Delayed baggage

What do you do if you’ve arrived in Vancouver, but your bags haven’t? If your luggage is delayed for more than 12 hours, our policies offer cover for essential purchases so you can rest easy while you wait for your bags to turn up.

Our policies also offer coverage if your bags and personal effects are lost, damaged or stolen.

Travel tip: make copies of your essential travel documents and carry essentials such as toiletries, medications, and irreplaceable items in your carry-on luggage.

Cover for adventure activities and sports

If you’re into the outdoors, Canada is the place to go! Our travel insurance policies offer cover for more than 150 activities, sports and experiences from skiing in Whistler, to hiking in Jasper National Park, or mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting.

Keep in mind that some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply. Be sure to read the exclusions section of your policy closely because some activities such as Mountaineering and professional sports are not covered.

If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organise your policy.

Travel tip 2: Canada experiences diverse climates. Pack layers, waterproof gear, and check weather forecasts before heading out for your adventures.

Want travel inspo for your Canadian adventures?

Check out our handy guides to get better acquainted with the ‘Great White North’:

• Your free insider’s guide to Canada
• Canadian Summer or Snow? A guide to choosing when to go
• Finding the Northern Lights in Yellowknife, Canada
• The best 8 places to see wildlife in Canada

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation, and exclusions. If you are unsure of anything, please contact us for help.

The USA is a vast continent of mountains, deserts, lakes and forests, all edged by a spectacular and diverse coastline. Each state is different from the next with unique food, music, people and landscapes to discover. 

Whether you plan to eat your way across the USA, hit the hiking or ski trails, or catch big waves, things can always go wrong. It might be a bad case of gastro, a fall on a ski slope or losing your luggage at a huge US airport; but if you consider adding travel insurance when you pack your suitcase, we can help you turn these wrongs into rights.

• What’s covered
• Why should I consider travel insurance for a trip to USA?
• What to plan for when traveling the USA?
• What’s not covered?
• Travel Tips

What’s covered

Traveling can be complicated, but travel insurance shouldn’t be. We keep it simple at World Nomads with just two policies to choose between: Standard and Explorer. Depending on your Country of Residence and the plan you have selected, you may be covered for:

• Coverage for extended stays: if you decide to stay a little longer than planned, no problem; with World Nomads you can easily log in and extend your insurance coverage. 
• Buy insurance while traveling: already in the USA and have skipped getting travel insurance? With World Nomads, you can get a quote and purchase insurance while you’re on the road. However, your policy won’t be fully active until 72 hours later. For more information on waiting periods, read the Policy Wording.
• Sports and activities coverage: from rafting through the Grand Canyon, to windsurfing in Maui, World Nomads offers coverage for more than 150 sports, activities, and experiences for your next. 
• Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes two adults and up to eight dependents on the one policy.

Why should I consider travel insurance for a trip to the USA?

Treatment at an American hospital is very expensive. Traveling without insurance cover could be a very costly oversight.

If you’re planning to hike in the mountains and want to be covered by World Nomads, make sure you speak to us first. Some adventure activities require upgrades to your policy, and some activities are not covered at all.

If your luggage is damaged or stolen while traveling, World Nomads may cover the cost of repair or replacement (within policy limits).

Traveler tip: you can speak to us about our optional upgrades for high-value items you plan to take to the USA.

What to plan for when traveling in the USA?

Car insurance: taking a road trip across some of the USA’s 50 states? If you’re hiring a car, World Nomads can offer cover for rental vehicle excess damage coverage in case your vehicle is stolen, or you are involved in an accident.

Losing your luggage: Hartsfield-Jackson Atlanta International Airport is the world's busiest airport – which means things can get lost. If you land at any airport and your luggage does not, we can help. If your baggage is delayed by the carrier for more than 12 hours after your scheduled arrival, we can pay for the cost of your essential items (up to policy limits), and subject to the policy terms, conditions, limitations and exclusions.

Coronavirus: unfortunately, COVID-19 is still with us, however World Nomads offers Coronavirus cover which varies depending on your Country of Residence. Coronavirus can be a headache (literally), but if you (or an immediate family member) get sick with Coronavirus, our Standard Plan can offer coverage for medical assistance, repatriation, and hospitalization. Plus, our Explorer Plan offers cover for other related events, such as trip interruption (or cancellation). Looking for more information on our Coronavirus cover? We have more details here.

Overseas emergency medical: if you’ve had an injury or need urgent medical attention and require a medical center or hospital, you must contact our 24/7 Emergency Assistance Team in the first instance. It will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky) and monitor your medical treatments if needed to make sure you’re given proper care.

Trip cancellation: one of the biggest questions with any international travel currently is related to cancellations. Depending on your Country of Residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your Policy Wording carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.

What’s not covered?

World Nomads doesn’t offer a one-size-covers-all policy. Some incidents we won’t cover include:

• Breaking the law: not only will this dampen the holiday spirit, but it could also be costly, and we won’t cover you. Not sure of the legal drinking age in the USA? It’s 21. You can read more about it here.
• Reckless behavior: while we want you to have fun, we also encourage you to know your limits.
• Existing medical conditions as explained in your Policy Wording.

Be sure to read the Policy Wording and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to make a claim.

Travel tips

• Hiking in Yellowstone National Park? You may not run into famous Yogi Bear, but there’s a chance you could run into a real-life bear, and they're nowhere near as friendly as the cartoon character. Be prepared – we’ve compiled a list of bear safety tips for USA travellers here. 
• The USA’s a big place. Plan your trip well, so you don’t miss the opportunity to discover a really cool destination. Also, with World Nomads, although we cover 150+ activities, you can’t upgrade your plan when you’re already in the USA and decide you want to participate in an activity that requires a higher level of coverage.

Still on the fence about traveling in the USA? Want some more inspiration before you book your ticket? Download our free guide - USA: Where Nomads Go.

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

New Zealanders are known for their love of the outdoors, so it’s not surprising kiwis love the USA for its hiking, scuba diving, surfing, camping and so much more. From the Rocky Mountains to the beaches of California, Oregon and Florida, there are plenty of opportunities for adventure.

Whether you plan to eat your way across the USA, hit the hiking or ski trails, or catch big waves, things can always go wrong. It might be a bad case of gastro, a fall on a ski slope or losing your luggage at a huge US airport; but travel insurance could help you turn these wrongs into rights.

• What’s covered
• Why should I consider travel insurance for a trip to USA?
• What to plan for when traveling the USA?
• What’s not covered?
• Travel Tips

What’s covered

Travelling can be complicated, but travel insurance shouldn’t be. We keep it simple at World Nomads with just two policies to choose between: Standard and Explorer. Our policies offer cover (up to the policy limits) for:

• Coverage for extended stays: if you decide to stay a little longer than planned, no problem; with World Nomads you can easily log in and extend your insurance coverage. 
• Buy insurance while travelling: already in the USA and have skipped getting travel insurance? With World Nomads, you can get a quote and purchase insurance while you’re on the road. However, your policy won’t be fully active until 72 hours later. For more information on waiting periods, read the PDS.
• Sports and activities coverage: from rafting through the Grand Canyon, to windsurfing in Maui, World Nomads can offer cover should something go wrong. World Nomads offers coverage for more than 150 sports, activities, and experiences for your next holiday.
• Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes two adults and up to eight dependents on the one policy.

Why should I consider travel insurance for a trip to the USA?

Treatment at a US hospital is very expensive. Travelling there without insurance cover could be a very costly oversight.

The USA is the perfect destination for outdoor adventures.

If you’re planning to hike in the mountains and want to be covered by World Nomads, make sure you speak to us first. Some adventure activities require upgrades to your policy, and some activities are not covered at all.

If your luggage is damaged or stolen while travelling, World Nomads may cover the cost of repair or replacement (within policy limits). 

Traveller tip: you can speak to us about our optional upgrades for high-value items you plan to take to the USA.

What to plan for when traveling in the USA?

Car insurance: taking a road trip across some of the USA’s 50 states? If you’re hiring a car, World Nomads can offer cover for rental vehicle excess damage coverage in case your vehicle is stolen, or you are involved in an accident.

Losing your luggage: Hartsfield-Jackson Atlanta International Airport is the world's busiest airport – which means things can get lost. If you land at any airport and your luggage does not, we can help. If your baggage is delayed by the carrier for more than 12 hours after your scheduled arrival, we can pay for the cost of your essential items (up to policy limits), and subject to the policy terms, conditions, limitations and exclusions. 

Coronavirus: unfortunately, COVID-19 is still with us, however World Nomads offers Coronavirus cover which varies depending on your Country of Residence. Coronavirus can be a headache (literally), but if you (or an immediate family member) get sick with Coronavirus, our Standard Plan can offer coverage for medical assistance, repatriation, and hospitalisation. Plus, our Explorer Plan offers cover for other related events, such as trip interruption (or cancellation). Looking for more information on our Coronavirus cover? We have more details here. 

Accessing our 24/7 Emergency Assistance Team: it’s good to know with World Nomads travel insurance, you can call our 24/7 Emergency Assistance Team if you suddenly find yourself in a crisis overseas. The EA 24/7 team can help get you to the nearest medical facility, provide help navigating language barriers, or assist with evacuation for medical reasons.

For injuries where treatment costs are not expected to exceed NZD$2,000, you can submit your receipts for reimbursement. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above NZD$2,000, you must call our Emergency Assistance Team who will work with us to confirm cover and they will liaise with the hospital on your behalf to arrange payments.

Traveller tip 2: if you’ve suffered a theft, get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report. You should also have copies of the original receipts for your valuables and any luggage tickets.

What’s not covered?

World Nomads doesn’t offer a one-size-covers-all policy. Some incidents we won’t cover include:

• Breaking the law: not only will this dampen the holiday spirit, but it could also be costly, and we won’t cover you. Not sure of the legal drinking age in the USA? It’s 21. You can read more about it here.
• Reckless behaviour: while we want you to have fun, we also encourage you to know your limits.
• Existing medical conditions as explained in your Product Disclosure Statement (PDS).

Be sure to read the PDS and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to make a claim.

Travel tips

• Hiking in Yellowstone National Park? You may not run into famous Yogi Bear, but there’s a chance you could run into a real-life bear, and they're nowhere near as friendly as the cartoon character. Be prepared – we’ve compiled a list of bear safety tips for USA travellers here. 
• The USA’s a big place. Plan your trip well, so you don’t miss the opportunity to discover a really cool destination. Also, with World Nomads, although we cover 150+ activities, you can’t upgrade your plan when you’re already in the USA and decide you want to participate in an activity that requires a higher level of coverage.

Still on the fence about travelling to the USA? Want some more inspiration before you book your ticket? Download our free guide - USA: Where Nomads Go.

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.

The USA is a vast continent of mountains, deserts, lakes and forests, all edged by a spectacular and diverse coastline. Each state is different from the next with unique food, music, people, and landscapes to discover. 

Whether you plan to eat your way across the USA, hit the hiking or ski trails, or catch big waves, things can always go wrong. It might be a bad case of gastro, a fall on a ski slope or losing your luggage at a huge US airport; but if you consider adding travel insurance when you pack your suitcase, we could help you turn these wrongs into rights.

• What’s covered
• Why should I consider travel insurance for a trip to USA?
• What to plan for when travelling the USA?
• What’s not covered?
• Travel Tips

What’s covered

Travelling can be complicated, but travel insurance doesn’t have to be. We keep it simple at World Nomads with just two policies to choose between: Standard and Explorer.

• Coverage for extended stays: if you decide to stay a little longer than planned, no problem; with World Nomads you can easily log in and extend your insurance coverage. 
• Buy insurance while travelling: already in the USA and have skipped getting travel insurance? With World Nomads, you can get a quote and purchase insurance while you’re on the road. However, your policy won’t be fully active until 72 hours later. For more information on waiting periods, read the PDS.
• Sports and activities coverage: from rafting through the Grand Canyon, to windsurfing in Maui, World Nomads can offer cover should something go wrong. World Nomads offers coverage for more than 150 sports, activities, and experiences for your next holiday.
• Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes two adults and up to eight dependents on the one policy.

Why should I consider travel insurance for a trip to USA?

Treatment at a US hospital is very expensive. Travelling in the US without insurance cover could be a very costly oversight. The USA is the perfect destination for outdoor adventures.

If you’re planning to hike in the mountains and want to be covered by World Nomads, make sure you speak to us first. Some adventure activities require upgrades to your policy, and some activities are not covered at all.

If your luggage is damaged or stolen while travelling, World Nomads may cover the cost of repair or replacement (within policy limits).

Traveller tip: you can speak to us about our optional upgrades for high-value items you plan to take to the USA.

What to plan for when travelling the USA?

Car insurance: taking a road trip across some of the USA’s 50 states? If you’re hiring a car, World Nomads can offer cover for rental vehicle excess damage coverage in case your vehicle is stolen, or you are involved in an accident.

Losing your luggage: Hartsfield-Jackson Atlanta International Airport is the world's busiest airport – which means things can get lost. If you land at any airport and your luggage does not, we can help. If your baggage is delayed by the carrier for more than 12 hours after your scheduled arrival, we can pay for the cost of your essential items (up to policy limits), and subject to the policy terms, conditions, limitations and exclusions.

Coronavirus: unfortunately, COVID-19 is still with us, however World Nomads offers Coronavirus cover which varies depending on your Country of Residence. Coronavirus can be a headache (literally), but if you (or an immediate family member) get sick with Coronavirus, our Standard Plan can offer coverage for medical assistance, repatriation, and hospitalisation. Plus, our Explorer Plan offers cover for other related events, such as trip interruption (or cancellation). Looking for more information on our Coronavirus cover? We have more details here. 

Accessing our 24/7 Emergency Assistance Team: it’s good to know with World Nomads travel insurance, you can call our 24/7 Emergency Assistance Team if you suddenly find yourself in a crisis overseas. The EA 24/7 team can help get you to the nearest medical facility, provide help navigating language barriers, or assist with evacuation for medical reasons.

What’s not covered?

World Nomads doesn’t offer a one-size-covers-all policy, some things we won’t cover are:

• Breaking the law: not only will this dampen the holiday spirit, but it could also be costly, and we won’t cover you. Not sure of the legal drinking age in the USA? It’s 21. You can read more about it here.
• Reckless behaviour: while we want you to have fun, we also encourage you to know your limits.
• Existing medical conditions as explained in your Product Disclosure Statement (PDS).

Be sure to read the PDS and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to make a claim.

Travel Tips

• Hiking in Yellowstone National Park? You may not run into famous Yogi Bear, but there’s a chance you could run into a real-life bear, and they're nowhere near as friendly as the cartoon character. Be prepared – we’ve compiled a list of bear safety tips for USA travellers here. 
• The USA’s a big place. Plan your trip well, so you don’t miss an opportunity to discover a really cool destination. Also, with World Nomads, although we cover 150+ activities, you can’t upgrade your plan when you’re already in the USA and decide you want to participate in an activity that requires a higher level of coverage. 

Still on the fence about travelling to the USA? Want some more inspiration before you book your ticket? Download our free guide - USA: Where Nomads Go.

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