• Why should I consider travel insurance for my flexcation?
• Flexcation travel insurance: What may be covered?
• What level of travel insurance coverage do I need for my flexcation?
• What may not be covered when on a flexcation?
• Top tips we recommend for a successful and productive flexcation
• FAQs

Because of flexible work and school schedules, more travellers are opting to take flexcations – extended stays away from home that are a mixture of leisure and work. Digital nomads have the flexibility to travel to some of the world’s most intriguing places, but no matter where you’re headed, it helps to always be prepared for the unexpected when travelling. For example, if you’re planning to spend your weekdays working in Rome and your weekends tasting your way through Tuscany, travel insurance coverage for Italy may help protect your trip. Our travel insurance plans for digital nomads include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my flexcation?

The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. These days, you can work from just about anywhere in the world with a strong Wi-Fi connection – including some of the most scenic tropical landscapes like the Bahamas and Jamaica. But what happens if you get hurt while scuba diving or snorkeling during your lunch break? Travel insurance for the Caribbean may help you with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re travelling outside of your home province.

Flexcation travel insurance: What may be covered?

The purpose of a flexcation is to be able to fully enjoy the destination where you’re travelling, and you’ll hopefully be experiencing new cultures and activities while you’re there. But when you’re working and studying remotely outside of your home province, unexpected situations can happen – and that’s why we’ve designed our plans to include travel insurance for flexcations. We also offer coverage for more than 250 sports, activities and experiences.

What level of travel insurance coverage do I need for my flexcation?

World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.

• Standard Plan – This is the most basic plan, and includes certain types of work for a flexcation, as well as up to $5,000,000 CAD in emergency medical expenses and $2,500 CAD for trip cancellation.
• Explorer Plan – This travel insurance plan also covers flexcations, but has higher limits of coverage.

A flexcation isn’t supposed to be all work and no play. Depending on where you’re headed, you may want to enjoy a variety of other activities such as hiking, snorkeling, or skiing. That’s totally fine, because there are 250+ sports, activities and experiences that could be covered when you purchase travel insurance for flexcations. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip, including the type of work you will be doing. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.  Costs may vary depending on the additional activities you list.

If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered. 

What may not be covered when on a flexcation?

So what happens if your boss told you that you could work remotely and be a digital nomad, but then changes his mind as soon as you land in Europe? If you have to go home because your employer won’t let you work remotely anymore, your travel insurance coverage for Europe won’t reimburse you for the costs of your trip. While many things are covered by travel insurance, there are some things that aren’t – including your boss changing his mind. (Although it’s totally not cool.) Other examples include:

Some other things that aren’t covered include:

• Unattended baggage or personal items
• Any electronics or other equipment that you use for professional purposes
• Not following government ‘Do Not Travel’ advisories issued by the Canadian government
• Travelling in your home province
• Pre-existing medical conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date. There may be no coverage for losses caused by a pre-existing condition
• Participation in other activities not listed as covered in your policy

Need destination inspiration for your next flexcation?

There are actually some pretty awesome places where you can work remotely here in Canada (and you can get travel insurance for Canada as long as you’re traveling outside of your home province.) But there’s also an abundance of great places around the world where you can embrace your inner digital nomad, too. Check out a couple of our favorite locations and get destination-specific travel tips to help you plan with confidence.

A World Nomad’s Guide to Puerto Vallarta, Mexico

Six Things to Know Before Going to France

A Local’s Guide to Visiting Berlin, Germany

Italy Travel Tips: Six Things to Know Before Visiting

Six Things to Know Before Traveling to Norway

How to Experience Ho Chi Minh City Like a Local

Five Incredible Cities to Explore in Spain

For more tips on working remotely, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Why should I consider travel insurance when staying in a vacation rental?
• Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
• What level of travel insurance coverage do I need if I’m staying in a vacation rental?
• What may not be covered when staying in a vacation rental on your trip?
• Top safety tips we recommend for staying at a vacation rental
• FAQs

Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the United States and booking a beachside vacation rental in Florida, or perhaps you would rather stay in a treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected, and you may want to protect your adventure with World Nomads Travel Insurance for your trip staying in vacation rentals. Our adventure travel insurance plans include a range of benefits that could help with everything from stolen gear to unexpected medical expenses.

Why should I consider travel insurance when staying in a vacation rental?

Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation home or if a destructive storm causes you to miss a connection, keeping you from reaching your dream accommodations, travel insurance to cover your nonrefundable, prepaid, commercial vacation rentals may help you bounce back quickly with support for medical and travel emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re staying in a vacation rental.

Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?

Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we've designed our plans to include travel insurance for our trips when you stay in a vacation rental. We also offer coverage for more than 250 other sports, activities and experiences.

What level of travel insurance coverage do I need if I’m staying in a vacation rental?

World Nomads offers two plans for Canadian residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.

• Standard Plan – This is the most basic plan but includes up to $5,000,000 CAD in emergency medical expenses and $2,500 CAD for trip cancellation.
• Explorer Plan – This adventure travel insurance plan also covers trips that include vacation rentals but has higher limits of coverage.

When you’re not lounging around poolside at your vacation home, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because there are over 250+ sports, activities and experiences that could be covered when you purchase travel insurance for trips when you are staying at a commercial vacation rental. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the additional activities you list.

What may not be covered when staying in a vacation rental on your trip?

If you leave the burner on and the kitchen catches on fire, your travel insurance won’t pay for those damages. It’s up to you to make sure you take care of the home while you’re there. Some other things that aren’t covered include:

• Unattended baggage, gear or personal items
• Furniture or any other items that are part of the vacation rental
• Alcohol and drug-related incidents and illegal activities
• Not following government ‘Do Not Travel’ advisories issued by the Canadian government
• Staying in a vacation rental within your home province
• Participation in other activities not listed as covered in your policy

Need destination inspiration for cool vacation rentals around the world?

Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.

The Caribbean: Bungalows on Royal Island

United States: A treehouse with free-roaming alpacas in Atlanta

Italy: A rustic villa on a vineyard

Costa Rica: A luxury pool home in the jungle

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Why should I consider travel insurance for my horseback riding trip?
• Horseback riding travel insurance: What may be covered?
• What level of travel insurance coverage do I need for my horseback riding trip?
• What may not be covered when horseback riding?
• Top safety tips we recommend for your horseback riding trip
• FAQs

Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while travelling, 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.

Why should I consider travel insurance for my horseback riding trip?

From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently – whether you’re horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain. 

Horseback riding travel insurance: What may be covered?

As equestrians ourselves, we’ve designed our plans to cover horseback riding while travelling. We also offer coverage for more than 250 other sports, activities and experiences.

What level of travel insurance coverage for my horseback riding trip do I need?

World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage. Both plans cover:

• Leisurely horseback riding; and
• Equestrian, dressage, show jumping, and eventing, but you will need to pay an extra premium for these activities

When you purchase your policy, you’ll need to list horseback riding, and all of the other activities that you plan to participate in while on your trip. There are over 250 other sports, activities and experiences that could be covered. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the activities you plan to do on your horse.

• Level 1 activity: Leisurely horseback riding.
• Level 3 activities: Equestrian, dressage, show jumping, and eventing.

If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered. 

What may not be covered when horseback riding?

Some things we may not cover include:

• Horseback riding under the influence of drugs or alcohol
• Unattended baggage, sporting equipment or personal items
• Horseback riding or travelling within your home province
• Injuries to your horse
• Riding horses in a rodeo, competition, or for salary/compensation 
• Riding bare back or playing polo

Need destination inspiration for your next horseback riding trip?

Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.

Highlights of Southern Chile: An Adventurer’s Guide

What to See and Do in Camargue, France

What to See and Do in Mendoza, Argentina

Visiting Cuenca, Ecuador: Things to See and Do

Food, Wine, and Outdoor Adventures in Slovenia

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

Portugal offers a mix of medieval history and vibrant culture with a side of blissful beaches and fantastic fare. But before you hop your flight, consider how travel insurance for Portugal might help protect your trip.

From medical emergencies and travel delays to stolen luggage and natural disasters, your dream Portugal holiday can flip on its head quicker than a flight delay announcement.

• What's covered
• Why should I consider travel insurance for Portugal?
• Does travel insurance cover medical care in Portugal?
• What to look out for when travelling to Portugal
• What’s not covered
• Travel tips for Australians in Portugal
• FAQs for a trip to Portugal

What's covered

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

• Delayed or stolen baggage
• Cancellation and trip interruption
• Natural disaster
• Overseas emergency medical, including medical evacuation and repatriation
• More than 220 activities and sports
• Some coronavirus-related events
• 24/7 Emergency assistance

We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. Consider the PDS and whether this product is right for you.

Why should I consider travel insurance for Portugal?

Travel insurance for a Portugal trip may come in handy for unplanned events like:

• Overseas medical emergencies: Lisbon is a great city to explore on two wheels, but if you have a hiking accident and fracture your ankle (or worse) travel insurance may help cover costs.
• Stolen belongings: Pickpocketing is a common reason for travel insurance Europe claims, especially in Portugal's busy areas like Porto's São Bento Station.
• Trip cancellation: If your trip is cancelled due to unforeseen circumstances, like a natural disaster, our travel insurance for Portugal may be able to help recover costs.
• Luggage delays: If you arrive in Farro but your luggage doesn’t, our travel insurance may help put clothes on your back.
• Adventure activities: Surfing in Algarve, wine tasting in Douro, or hiking in Madeira? We cover more than 220 activities, so you can explore more.

This is a summary only. Cover is subject to the terms, conditions and limitations of the PDS. 

Planning to travel to multiple European destinations? Explore our multi-trip travel insurance article. 

Get an instant travel insurance quote.

Does travel insurance cover medical care in Portugal?

Without a Reciprocal Health Care Agreement between Australia and Portugal, travel insurance for overseas medical emergencies should be considered.

Just keep in mind that travel insurance covers overseas medical emergencies, not routine or ongoing care. It may include cover for GP visits, hospitalisation, emergency evacuation, repatriation, and more, if you suffer a sudden illness or serious injury while on your trip.

Call the 24/7 Emergency Assistance team first if you’re sick or injured abroad.

What to look out for when travelling to Portugal

Pickpockets and scammers

Stay alert in crowded tourist hotspots like Lisbon's Tram 28 and Porto's bustling Ribeira waterfront. If you fall victim to a crime, report it immediately to authorities.

Ocean safety

The ocean is a magical place, but it can also be a dangerous one. Portugal's Atlantic coast has powerful rip currents, especially around the Algarve and Nazaré. Always swim in patrolled areas and heed warnings.

Travel to Portugal during shoulder seasons

Travel during Portugal's shoulder seasons of Spring (March to May) and Autumn (September to November) and you'll be rewarded with cheaper accommodation and fewer crowds.

What’s not covered

Travel insurance is not blanket cover-all and there are some things we do not cover. It’s important to read your PDS carefully to ensure you fully understand what is and isn’t covered. Some of the things we do not cover include:

• Personal belongings that are lost or stolen while unattended.
• Existing medical conditions unless they are automatically covered.
• Participating in sports or activities that are excluded, or any activity where you haven’t selected the appropriate level of cover and paid the additional premium, like skiing or snowboarding.
• Incidents resulting from reckless behaviour, or if you’re under the influence of drugs or alcohol.

This is a summary only. Cover is subject to the terms, conditions exclusions and limitations of the PDS. Contact us if you have questions about coverage or exclusions.

• Why should I consider travel insurance for my horseback riding trip?
• Horseback riding travel insurance benefits
• Plan levels for horseback riding trips
• What's not covered
• Top safety tips we recommend for your horseback riding trip
• FAQs

Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my horseback riding trip?

From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain. 

Horseback riding travel insurance benefits and non-insurance services: What may be covered?

As equestrians ourselves, we’ve designed our plans to cover horseback riding while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.

All plans also include several additional non-insurance services that may support you both before and during your trip. These include 24/7 emergency assistance, delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.

What level of travel insurance coverage do I need for my horseback riding trip?

World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go horseback riding on the beach, you’ll probably be doing other fun things like hiking or swimming. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.

• The Standard and Annual plans covers basic equestrian activities such as horseback riding tours and camping with your horse up to 19,685 feet/6,000 meters
• The Explorer plan covers more activities, including horseback riding in a rodeo. It also has higher limits of coverage and covers camping up to 21,325 feet/6,500 meters
• The Epic plan covers everything the Explorer plan covers, plus even more activities – including camping up to 26,247 feet/8,000 meters. It also has the highest benefit limits of coverage. 

What may not be covered when horseback riding?

• Horseback riding under the influence of drugs or alcohol
• Unattended baggage, sporting equipment or personal items
• Horseback riding or travel within 100 miles of your home
• Injuries to your horse
• Riding horses in a competition or for salary/compensation 

Top safety tips we recommend for your horseback riding trip

• Have the right gear: Wearing a helmet is a MUST, no matter how experienced you are.
• Wear proper clothing: Long pants and closed-toed footwear are essential.
• Be prepared: Check the weather, check your equipment, and check the credentials of your riding instructor or tour guide.
• Keep an eye on your gear: Don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
• Saddle up properly: Make sure your saddle is fitted properly. If the saddle is the wrong size, you could be more likely to slip out of it and fall.
• Know your own physical abilities: Horseback riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse. Make sure you are physically capable of riding.
• Don’t startle the horse: Injuries can happen when horses are spooked by things like sudden movements and loud noises.

Need destination inspiration for your next horseback riding trip?

Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.

Highlights of Southern Chile: An Adventurer’s Guide

What to See and Do in Camargue, France

What to See and Do in Mendoza, Argentina

Visiting Cuenca, Ecuador: Things to See and Do

Food, Wine, and Outdoor Adventures in Slovenia