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.

Um país relativamente pequeno, porém repleto de experiências incríveis para o viajante aventureiro. No Equador, você pode escalar vulcões, andar de bicicleta nos Andes, flutuar em meio à selva, pescar piranhas - emoções são o que não faltam. E isso sem falar na incrível vida selvagem que você vai explorar nas Ilhas Galápagos!

Mas junto com as aventuras vêm os riscos. E se acontecer um desastre natural ou você sofrer um acidente longe de algum centro urbano? Ao planejar as férias dos seus sonhos, uma apólice de seguro é uma boa ideia para ajudá-lo a lidar com eventos inesperados e inconvenientes.

• Por que o Seguro Viagem é importante
• Ao que devo ficar atento quando viajar para o Equador?
• O que não está coberto?

Por que o Seguro Viagem é importante

Uma viagem única para mergulhar com tubarões, tartarugas marinhas e arraias em Galápagos significa um alto investimento. Um Seguro Viagem que cobre bagagem extraviada e emergências médicas pode ajudar a proteger esse investimento caso algo inesperado aconteça.

Uma plano de Seguro Viagem da World Nomads pode oferecer cobertura para:

• Bagagem extraviada ou perdida
• Cancelamento ou interrupção da viagem
• Objetos pessoais roubados
• Seguro médico no exterior e cobertura para eventos relacionados ao Coronavírus
• Mais de 150 atividades e esportes no Equador

Ao que devo ficar atento quando viajar para o Equador?

Se você procura praias tranquilas ou montanhas cobertas de neve, o Equador tem tudo para fazer de uma visita as melhores férias da sua vida! Mas as coisas podem não sair conforme o planejado. Saber que você pode resolver problemas financeiros, médicos ou logísticos por meio de sua apólice de seguro representa um grande conforto. Alguns dos eventos inesperados com os quais podemos ajudá-lo incluem:

• Bagagem extraviada ou perdida

Embora o Brasil e o Equador sejam vizinhos próximos, as companhias aéreas ainda podem extraviar ou perder sua bagagem. Se isso acontecer, certifique-se de seguir todos os procedimentos de comunicação corretos no aeroporto e a World Nomads poderá fornecer a você uma muda de roupa e itens pessoais até que as coisas sejam resolvidas.

• Cancelamento e interrupção de viagem

Com tanto a se fazer no Equador, você provavelmente passou muito tempo planejando a sua viagem. Mas se algo inesperado, como uma doença ou um acidente, acontecer um pouco antes da partida, ou mesmo durante a viagem, seu seguro pode ajudá-lo a recuperar parte de suas perdas.

• Objetos pessoais roubados

As cidades maiores, como Quito e Cuenca, oferecem uma fascinante mistura de história e cultura indígena e espanhola, incluindo um dos maiores mercados ao ar livre da América Latina. Mas se você for roubado enquanto admira o artesanato local, nossa linha direta 24 horas pode indicar a delegacia de polícia mais próxima e ajudá-lo a obter documentos temporários. Também podemos ajudá-lo a receber fundos transferidos por sua família no Brasil.

• Seguro médico no exterior e cobertura para eventos relacionados ao Coronavírus

Se você se machucar em uma caminhada até os famosos lagos de cratera ou em uma expedição de rafting das montanhas para a selva, nossa equipe de assistentes pode ajudá-lo a encontrar o centro médico mais próximo. Se a lesão for grave, a World Nomads também poderá ajudar a providenciar uma evacuação de emergência para o Brasil.

Infelizmente, os efeitos da pandemia ainda fazem parte de nossas vidas; portanto, se você adoecer com um problema médico relacionado ao Coronavírus, seu seguro poderá ajudar com internações hospitalares e medicamentos.

• Cobertura para mais de 150 atividades e esportes no Equador

A World Nomads desenvolveu um seguro abrangente para o viajante aventureiro com cobertura para mais de 150 esportes e atividades radicais. Com novas experiências incríveis sendo lançadas no Equador, como tirolesa em alta altitude e balanços à beira de penhascos, é importante que você leia as diferentes apólices - Standard, Explorer e Explorer Plus - e decida qual é a certa para o tipo de férias que pretende tirar.

O que não está coberto?

Claro, nenhuma apólice de seguro pode cobrir absolutamente tudo, e há uma série de situações para as quais a World Nomads não fornecerá assistência ou reembolso. Elas  podem incluir:

• Praticar esportes não cobertos pelo plano adquirido. Sempre verifique o que está e o que não está incluso antes de fazer uma apólice e antes de se inscrever em um novo esporte radical, ok?
• Se você não cuidou bem de si mesmo ou de seus pertences. Portanto, se você deixou suas coisas sem vigilância enquanto aproveitava a vida noturna de Quito ou seguia as iguanas na praia de Galápagos, não poderemos oferecer cobertura.
• Tratamento para condições médicas pré-existentes ou se sua viagem foi planejada especificamente para receber cuidados de saúde especializados.

Claro, este é apenas um breve guia para o seguro durante sua viagem ao Equador. Então, antes de ir para o “centro do mundo”, não hesite em entrar em contato para obter informações mais detalhadas sobre as diferentes apólices e coberturas disponíveis.