• Consider purchasing travel insurance while traveling
• Always check the terms and conditions of your policy
• Extend your policy for your overseas holiday
• Need to know more?
• Left home without travel insurance?

1. Consider purchasing travel insurance while traveling

If you’ve arrived at your destination and you’ve forgotten to buy travel insurance before leaving your Country of Residence, don’t panic. The good news is that you can visit the World Nomads website to purchase a policy 24 hours a day, 7 days a week.

Similarly, if your World Nomads travel insurance policy is due to expire during your overseas holiday, but you wish to keep traveling, you may be able to extend your existing policy or buy a new policy depending on your Country of Residence.

2. Always check the terms and conditions of your policy

You’ve just checked into your hotel and you’re itching to explore the local sights. The last thing you probably want to do is to sit in your hotel room and read through the fine print of an insurance policy. But it’s a smart idea to become familiar with the various limits, benefits, optional extras and upgrades, and the terms and conditions before you buy a policy, so there’s no surprises at claim time.

If you buy travel insurance while overseas, there is a 72-hour waiting period from the date that you receive your Certificate of Insurance, before your cover comes into effect. This means that you may not be covered for certain events or losses that happen during this waiting period.

However, if you have an accident and sustain a serious injury after being issued with your Certificate of Insurance, and before the 72-hour timeframe has lapsed, you may be covered for some expenses under your policy. Be sure to check your Policy Wording for the complete list of what’s covered and what isn’t covered depending on your Country of Residence.

If you have any questions about the terms and conditions on your policy, please get in touch.

3. Extend your policy for your overseas holiday

If your current travel insurance policy is due to expire soon, but you’re having too much fun and want to travel for longer, you can extend your existing policy rather than risk being without cover.

If you meet eligibility requirements, you may be able to extend your policy up to a maximum of 12 months from the policy start date, which is indicated on your Certificate of Insurance. This must be done prior to 11:59pm on the closing date of your current policy, based on the time and date in the capital city of your Country of Residence.

If you have any questions about purchasing travel insurance during your overseas holiday, please get in touch.

4. Need to know more?

All travel insurance plans are different, and cover will vary depending on what’s happened, your Country of Residence, the plan you choose, and any options or upgrades you buy. Your Policy Wording will always have the full terms, conditions, limits, and exclusions for what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

Left home without travel insurance?

Learn how you can buy your travel insurance policy while traveling anytime from anywhere in the world by watching this video.

Whether exploring the mesmerizing Marrakesh Medina, venturing through the Atlas Mountains and its Berber communities, or feeding your cultural curiosity, Morocco will deliver surprising adventures. But before you head to North Africa, you may want to consider travel insurance; it could prevent you from learning a hard lesson the costly way.

• What’s covered?
• What should I look out for when traveling to Morocco?
• What’s not covered?
• Travel insurance and safety tips when visiting Morocco
• When to visit Morocco

What’s covered?

With World Nomads you can buy travel insurance as soon as your trip is locked in or when you’re already in Morocco (waiting periods apply), it’s entirely up to you.

World Nomads offers two plans – Standard and Explorer – each provides different levels of coverage depending on your Country of Residence and what level of cover you need.

Here are some of the highlights of our cover:

• Coverage for extended stays
• World Nomads’ family plans
• Overseas emergency medical and hospital expenses
• Cover for 150+ activities, sports, and experiences
• Unexpected trip cancellation
• Travel delays /trip interruption
• Baggage and personal effects cover
• 24/7 worldwide Emergency Assistance.

What should I look out for when traveling to Morocco?

As intriguing as this North African nation is, there are some things you should have in mind to ensure your holiday is memorable for all the right reasons.

Here are some tips on how to make the most of your trip:

• Lost, stolen, damaged or delayed baggage cover: in the unfortunate event that your luggage or personal items are accidentally damaged or stolen, you may be able to claim your unexpected costs. In addition, if your luggage is delayed more than 24 hours (more than 12 hours for US residents), you may be entitled to replacement costs. Check your policy wording carefully as terms and conditions apply.
• Cover for overseas medical emergencies and cover for Coronavirus-related events: depending on your Country of Residence, World Nomads offers cover for some Coronavirus-related events to help if your trip is derailed by COVID-19. Check your policy carefully as benefit limits apply and vary between plans.
• Adventure activity and sports cover when in Morocco: we cover more than 150 activities, sports and experiences worldwide – including backpacking, kayaking, hiking, and bungee jumping. However, not all are covered under every plan, you can read about the activities covered for your Country of Residence. Many activities also have specific conditions and exclusions you should read up on before you go. Depending on your country of residence and the level of cover you’ve chosen, you may need to add activities to your policy. Terms and conditions apply.

What’s not covered?

Here are some of the things we do not provide cover for:

• Pre-existing medical conditions –see the policy wording for details.
• Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
• Costs arising from refusal to be repatriated once declared medically unfit to continue a trip
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or in some cases ‘Avoid Essential Travel’ warning issued by the government in your Country of Residence.
• Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.

Travel insurance and safety tips when visiting Morocco

As fascinating as Morocco is, following some tips on how to stay safe and make the most of your travel insurance policy will help.

Petty crime in popular Moroccan hotspots

Wandering through the streets of Marrakesh, Casablanca, Tangier, Fez, Agadir and Essaouira can be an insightful experience, but you must keep your wits about you and ensure you always have your valuables in sight. Bag snatching and pickpockets often target these popular tourist areas, and women, if traveling alone, may be the subject of unwanted attention. We offer cover if you're after travel insurance for your tech gear and other high-value items. To upgrade the cover for high-value items, list them on your policy and pay the additional premium.

Terrorism and protests

Terrorist cells do target the Maghreb region of North Africa which includes Morocco, so it’s crucial that you monitor the media. You should always take government warnings and travel alerts seriously. These groups often seek out populated areas and can also be active in mountain regions.

Demonstrations are also possible, and it’s worth bearing in mind that public protests and events that draw large groups of people can turn violent. The status of the Western Sahara has been an issue of dispute, and tensions can boil over. To avoid being caught up in a protest, take care on days of national or commemorative significance and be extra vigilant on weekends, especially around the time of Friday prayers.

World Nomads offers trip delay coverage, and trip interruption may apply if your trip can’t be completed or it’s necessary to return home early. If you actively involve yourself in a protest, you are putting yourself and your insurance cover at risk.

Avoid drinking / swimming in freshwater

Some waterborne and foodborne diseases are common across Morocco, so travelers are advised to only drink treated, filtered or bottled water, to avoid ice cubes and not to swim in fresh water.

Contaminated water, which can cause nausea, vomiting, stomach cramps, and diarrhea, can lay you up for days, the most serious outcome of which is dehydration. This can be deadly, so don’t rely on your own instincts, instead seek medical advice immediately.

Our 24/7 Emergency Assistance Team will be able to give you advice on what to do, help locate suitable medical facilities (particularly in remote areas) and will monitor your medical treatments to make sure you are given proper care.

Our policies can offer overseas emergency medical benefits. Check your policy to see what the maximum amount of coverage you have, as it will vary depending on your home country and the plan you’ve selected. If you want to claim your medical expenses, be sure to keep records and receipts of your doctor’s visits and medical treatment, and any other documentation to support your claim.

When to visit Morocco?

If you want to avoid large crowds, the best time to visit Morocco is autumn (September to November) or early spring (March to April). If you are traveling in summer, then the best months are June to August. You should know there will be bigger crowds in the summer months, especially if you plan to visit some of its seaside hot spots such as Tangier, Essaouira and Taghazout.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Spanning nearly 8 million km² and with crystal-clear water, red deserts, tropical rainforests, and bustling cities, Australia is fascinatingly diverse. Whether you’re road-tripping the East Coast, hiking on Kangaroo Island or scuba diving the Great Barrier Reef, World Nomads has you covered.

• What am I covered for?
• What should I look out for when travelling to Australia?
• What’s not covered?
• Handy tips for travelling in Australia

What am I covered for?

World Nomads offers cover (up to the policy limits) for:

• Overseas medical expenses: if you become sick or injured during your trip.
• Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
• Travel delays/interruption: if your trip is interrupted due to an insured event.
• Trip cancellation: if your trip is cancelled due to an insured event.
• Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
• Family plans: add your children and grandchildren to our policies at no extra cost.
• Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.

Note: our travel insurance plans are different. Cover will vary, depending on your country of residence, what you are claiming for, the plan you choose and any options or upgrades you buy.

With World Nomads, you can buy travel insurance as soon as your trip is locked in or while you're traveling (waiting periods apply); it’s entirely up to you.

What should I look out for when travelling to Australia?

There are a few key things to consider when visiting Australia. Our travel insurance may help if you land in Melbourne, but your baggage doesn’t, or you suffer an injury whilst hiking Cradle Mountain.

To make it easier for you to choose a plan that’s right for you we offer two plans – Standard and Explorer. Each one provides different levels of coverage depending on what you need and your country of residence:

• The Standard Plan –covers a range of benefits and certain adventure activities but has lower coverage limits.
• The Explorer Plan – covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.

Essential travel cover options when you need them the most

Depending on the level of cover you choose and your country of residence, our policies may cover you for:

Lost, stolen or delayed baggage cover

If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 24 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.

Travel insurance for accidents or injuries

If you become sick or injured in Australia with anything from food poisoning to an injury while participating in an activity, our policies may cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments. Terms and conditions apply.

Coronavirus cover for some events

If you catch COVID-19 while travelling in Australia we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.

Adventure sports & activities cover

There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose and your country of residence, you can be covered for hiking adventures in the Snowy Mountains, road trips along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities in the Policy Wording.

Rental car coverage and road safety

Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.

Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.

What’s not covered?

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

• Pre-existing medical conditions – see the policy wording for details.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S Department of State.
• Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
• Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
• Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
• Being intoxicated by alcohol or drugs.

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 use your cover.

Handy tips for travelling in Australia

• If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
• The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
• Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
• Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.

Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics on Australia, here are just a few:

• How to Get a Working Holiday Visa for Australia
• Australia Hikes: 6 Spectacular Tracks All Around the Country
• Where to Stay in Australia: Accommodation Travel Tips
• 10 Ancient Natural Wonders Around Australia

You can also check out our articles if you need the latest safety travel alerts.

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 policy wording 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.

With its crystal-clear water, tropical rainforests, and a burnt red Outback, Australia is a thrilling destination. Whether you’re road-tripping the Great Ocean Road, cycling around Uluru or snorkelling the Great Barrier Reef, World Nomads Travel Insurance can have you covered.

• What am I covered for?
• What should I look out for when travelling to Australia?
• What’s not covered?
• Handy tips for travelling in Australia

What am I covered for?

World Nomads offers cover (up to the policy limits) for:

• Overseas medical expenses: if you become sick or injured during your trip.
• Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
• Travel delays/interruption: if your trip is interrupted due to an insured event.
• Trip cancellation: if your trip is cancelled due to an insured event.
• Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
• Family plans: add your children and grandchildren to our policies at no extra cost.
• Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.

Note: our travel insurance plans are different. Cover will vary, depending on what you are claiming for, the plan you choose and any options or upgrades you buy.

With World Nomads, you can buy travel insurance as soon as your trip to Australia is locked in or while you're travelling (waiting periods apply); it’s entirely up to you

What should I look out for when travelling to Australia?

When visiting your neighbours across the ditch, there are a few key things to consider. Our travel insurance could help if you land in Sydney, but your baggage doesn’t or if you suffer an injury hiking Cradle Mountain.

World Nomads offers two plans – Standard and Explorer. Each policy has different levels of cover depending on what your needs are. You may be covered if your bags are lost or stolen, if your transport is delayed, or if you suffer an injury that lands you in hospital.

• The Standard Plan – covers a range of benefits and certain adventure activities and has lower coverage limits.
• The Explorer plan – covers all the benefits of the Standard Plan, with larger coverage limits, more benefits and covers more sports and activities.

Essential travel cover options when you need them the most

Depending on the level of cover you choose, World Nomads offers coverage (up to the policy limits) for:

Lost, stolen or delayed baggage cover

If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 12 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.

Medical insurance for accidents or injuries

If you become sick or injured in Australia, with anything from food poisoning to an injury whilst participating in an activity, our policies can cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments.

Coronavirus cover for some events

If you catch COVID-19 while visiting Australia, we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions.

Adventure sports & activities cover

There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose, you can be covered for hiking in Tasmania, road tripping along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities here.

Rental car coverage and road safety

Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.

Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.

What’s not covered?

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

• Existing medical conditions – see the Policy Document for details.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government.
• Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
• Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
• Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
• Being intoxicated by alcohol or drugs.

Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

Australia Travel Tips

• If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
• The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
• Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
• Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.

Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics in Australia, here are just a few:

• How to Get a Working Holiday Visa for Australia
• Australia Hikes: 6 Spectacular Tracks All Around the Country
• Where to Stay in Australia: Accommodation Travel Tips
• 10 Ancient Natural Wonders Around Australia

You can also check out our articles if you need the latest safety travel alerts.

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.