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Flexcations Travel Insurance Coverage

Canadian can protect their working vacations with travel insurance

    As featured in:

  • As featured in:

At a glance:

  • World Nomads offers travel insurance for flexcations to help cover medical emergencies, baggage loss, and trip cancellations.
  • Flexcations, or working vacations, may be covered, and you can choose a plan based upon the level of coverage you need.
  • We provide baggage protection if your luggage is stolen or accidentally damaged by your common carrier during your trip.
  • If your trip is disrupted by unexpected illness or injuries (amongst other covered reasons), travel insurance for flexcations may help cover your unused, prepaid, non-refundable trip costs.

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.

Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.

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.

  1. Emergency Medical Expenses
    For injuries that require emergency medical treatment

  2. 24/7 Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Baggage damaged by your common carrier or stolen luggage and personal gear

  4. Trip Delays, Interruptions & Cancellations
    Travel protection for your unused, pre-paid, nonrefundable trip costs and unexpected expenses

Get a quote and compare the plans to see which level of coverage is right for you.

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. 

Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A person hiking in front of snow capped mountains

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

Top tips we recommend for a successful and productive flexcation

From our own experiences of being digital nomads, we’ve worked in some really interesting destinations around the world. It's never been easier to unplug and take off now that you can work and study remotely. But travel glitches can arrive in all shapes and sizes, and it helps to prepare as much as you can. Here are a few of our personal tips that you may find helpful when planning your next flexcation.

  • Check to see if there’s reliable Wi-Fi. It’s better to ask questions in advance before you’ve travelled all the way there and see that there’s a problem.
  • See if there’s ample space for you to work productively. You’ll want to make sure you have a quiet space for those times that require more focus and concentration.
  • Save the 24/7 Emergency Assistance Line on your phone and print out a copy of your travel insurance documents. If you need help in a pinch, you don’t want to be searching for who to call.
  • Keep your receipts and paperwork. Any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
  • Make time for work and play. The point of a flexcation is to be able to experience a new place, so plan out some time to enjoy your destination.

FAQ

Here are our most frequently asked questions about cover for flexcations. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Are flexcations covered under World Nomads Travel Insurance?

    Yes, flexcations for certain types of work are covered under both plans offered by World Nomads Travel Insurance. 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. If you aren’t sure if something is covered, we suggest you contact us to ask.

  • What types of incidents are covered while on a flexcation?

    If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your unused, non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, prepaid, non-refundable tours that you paid for in advance. If you get hurt while on your flexcation and require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government travel advisories advising travellers not to travel to a destination on your itinerary.

  • Does travel insurance cover routine healthcare when I’m working remotely in another country?

    World Nomads plans include emergency medical insurance coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for any routine or preventative medical or dental care, such as allergy medications or routine check-ups. If you have an unexpected medical emergency though, World Nomads Travel Insurance may help with things such as hospital stays, prescription medications, and x-rays. Travel insurance is designed to cover losses from unforeseen and emergency circumstances only, and you must be covered under your Government Health Insurance Plan (GHIP) for the full duration of your policy to be eligible for maximum emergency medical benefits. If you aren’t, emergency medical benefits will be limited to $40,000 CAD for the full duration of your trip.

  • Does World Nomads Travel Insurance cover other activities during my trip?

    Yes, you could be covered for more than 250 sports, activities and experiences. We know you’ll be doing more than working and studying, and that’s what makes it fun to be a digital nomad. Things like hiking, camping, and biking could all be covered. 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. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.

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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Solstock / Getty
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel Insurance Coverage when using Vacation Rentals

Travel insurance coverage for Canadians booking vacation rentals

    As featured in:

  • As featured in:

At a glance:

  • World Nomads offers travel insurance for trips where you may be staying in a vacation rental.
  • Our plans include emergency medical evacuation coverage if you get injured while staying at a vacation rental in remote areas.
  • We provide gear protection if your equipment is stolen or accidentally damaged by your common carrier during your trip.
  • If your trip is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.

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.

Nomads tip:  World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.

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.

  1. Emergency Medical Expenses
    For injuries that happen when staying in a vacation rental

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear or luggage that is lost

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked

Get a quote and compare the plans to see which level of coverage is right for you.

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.

NOMADS TIP: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A couple checking into a vacation rental home

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

Top safety tips we recommend for staying at a vacation rental

  • Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
  • Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t list having one.
  • Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
  • Have emergency contact information for your host.
  • Check with the Public Health Agency of Canada to see if they have issued any travel health notices for the destination where your vacation rental is located.
  • Register with Canadians Abroad to stay updated on emergency situations.
  • Save a copy of your vacation rental travel insurance documents in your phone. Have the phone number for the 24/7 Emergency Assistance team easily accessible as well.

FAQ

Here are our most frequently asked questions about cover for vaction rentals. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Is staying in a vacation rental covered under World Nomads Travel Insurance?

    Yes, you can cover your prepaid, non-refundable, commercial vacation rental under both plans offered by World Nomads Travel Insurance. There are also 250+ sports, activities and experiences that may be covered.

    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. If you aren’t sure if something is covered, we suggest you contact us to ask.  

  • What types of incidents are covered while staying in a vacation rental?

    If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, prepaid, non-refundable accommodations that you paid for in advance. If you get hurt while staying in a vacation rental and require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government travel advisories advising travellers not to travel to a destination on your itinerary.

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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Horseback Riding Travel Insurance Plans

Travel insurance to protect your horseback riding trips for Canadian Residents

    As featured in:

  • As featured in:

At a glance:

  • World Nomads plans may provide cover for your horseback riding trips, with the ability to pay an extra premium and be covered for things like dressage, show jumping, and eventing. 
  • Emergency medical & evacuation coverage is included for injuries and medical transport if you’re seriously hurt on or off a horse.
  • Reimbursement for cancelled tours, delays, or interruptions due to covered events.
  • 24/7 Global Help: Access to emergency assistance anytime, anywhere.

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.

  1. Emergency Medical Expenses
    For broken bones, cuts, and spains after a horseback riding accident

  2. 24/7 Emergency Assistance
    Available 24/7 to assist in an emergency situation, on or off a horse

  3. Baggage & Gear Coverage
    Damaged or stolen riding gear

  4. Trip Delays, Interruptions & Cancellations
    travel protection for your pre-paid nonrefundable trip costs and unexpected expenses.

Get a quote and compare the plans to see which level of coverage is right for you.

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. 

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A woman horse back riding

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

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 operator.
  • 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.

FAQ

Here are our most frequently asked questions about cover for Horseback riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Is horseback riding covered under World Nomads Travel Insurance?

    Yes, basic horseback riding tours are covered under both plans offered by World Nomads Travel Insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Leisurely horseback riding is considered a Level 1 activity and is automatically covered, but you’ll still need to list this as an activity when you purchase your policy. However, you will need to pay an additional premium to be covered for any Level 2 activities and Level 3 activities such as equestrian, dressage, show jumping, and eventing. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what is covered.

  • What types of incidents are covered while horseback riding abroad?

    If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your nonrefundable, prepaid travel expenses (up to the policy limits), and this could include unused, pre-paid, non-refundable horseback riding tours that you paid for in advance. If you fall off of your horse or you’re at the wrong end of a feisty hoof and you require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government advisories advising travellers not to travel to a destination on your itinerary.

  • What kind of horseback riding activities are covered by World Nomads Travel Insurance?

    Basic horseback riding tours are covered under both plans offered by World Nomads Travel Insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Leisurely horseback riding is considered a Level 1 activity and is automatically covered, but you’ll still need to be listed when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 activities and Level 3 activities, such as equestrian, dressage, show jumping, and eventing. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what is covered.

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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Jarana Creatives/Getty
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel Insurance for Portugal

Explore Portugal with confidence and check out some of the things travel insurance may cover.

    As featured in:

  • As featured in:

Article at a glance

  • Medical costs in Portugal can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
  • Australian travellers, including those travelling for work/volunteering, staying for more than 90 days should check visa requirements and policy limits.
  • Adventure activities covered: surfing, hiking, cycling and more (depending on plan and options selected).
  • Always read the Product Disclosure Statement (PDS) to understand what’s included and excluded. Cover is subject to the terms, conditions and limitations of the PDS. 
  • No Reciprocal Health Care Agreement exists between Australia and Portugal — travel insurance for overseas medical expenses should be strongly considered.

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

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

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.

Additional European travel insurance cover pages for Australian residents:

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.

Travel tips for Australians in Portugal

Embrace relaxed evenings and late dinners

While Australians typically dine around 7pm, Portuguese restaurants don't even open until 7pm. Embrace the late-night dining culture and enjoy leisurely meals that often stretch past 10pm. Note: Tipping 10% is standard.

Must-visit destinations in Portugal (beyond Lisbon and Porto)

While Lisbon and Porto are essential stops, expand your itinerary to include quieter stops like Sintra, Óbidos, and Sagres where you’ll discover fairy-tale palaces, medieval charm, and breathtaking natural landscapes.

EU entry and exit travel requirements coming soon

The new European Entry/Exit System (EES) for all non-EU nationals, including Australians, travelling in or out of the Schengen Area is expected to start in October 2025. Stay informed with Smartraveller for country-specific alerts.

This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

FAQ for a trip to Portugal

Here are our most frequently asked questions about travel insurance for Portugal. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel companion unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Hurt abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
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Travel Insurance for the Schengen Area for Australians

Get the travel insurance you need for your Schengen visa

    As featured in:

  • As featured in:

Planning a trip to Europe soon? You will need to be aware of changes coming into effect this year and also in 2026. Read on to find out more and how World Nomads travel insurance can help.

Will you need an EES visa?

From October 12, non-EU nationals including Aussies who enter a European zone of 29 countries, known as the Schengen Zone, will have to register as part of a new European Union digital border management system called Entry Exit System (EES).

Australian citizens can travel for short trips, without a visa, to the Schengen area for up to 90 days in any 180-day period. You'll need a visa if you're staying for over 90 days.

The EES is a separate system from the upcoming European Travel Information and Authorisation System (ETIAS), which will be a separate travel authorization system introduced in late 2026. Learn more about the ETIAS by checking out our Travel Wiser article.

Australian travellers can stay informed with Smartraveller for travel updates, alerts, and general travel information.

Get a travel insurance quote from World Nomads today.

What are the Schengen countries?

Here's the list of the 29 countries that are part of the Schengen Agreement:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Liechtenstein
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

Need to know more?

If you have questions or need help, you can contact us

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 PDS 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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
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Horseback Riding Travel Insurance Coverage

US Residents can protect their adventures on horseback

    As featured in:

  • As featured in:

At a glance:

  • All World Nomads plans cover horseback riding, with higher tier plans for rodeos or high-altitude camping.
  • Coverage for injuries and medical transport if you're seriously hurt on or off a horse.
  • Reimbursement for canceled horseback tours, delays, or interruptions due to covered events.
  • Gear & baggage protection helps cover lost, stolen, or damaged riding gear and luggage.


For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

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.

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after a horseback riding accident

  2. Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation, on or off a horse

  3. Baggage & Gear Coverage
    Damaged or stolen riding gear

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather throws a wrench into your horseback riding plans

Terms, conditions, and limitations apply to all mentioned coverages. Get a quote for travel insurance and non-insurance services and compare the plans to see which level of coverage is right for you.

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. 

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A woman horse back riding

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.

FAQ

Here are our most frequently asked questions about cover for Horseback riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Can horseback riding be covered under World Nomads Travel Insurance?
    Yes, basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. If you plan to ride a horse in a rodeo though, you’ll need to have either the Explorer or Epic plan. You can also camp with your horse, but depending on the elevation, you may need one of the higher level plans.
  • What kind of horseback riding activities can be covered by World Nomads Travel Insurance?

    Basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. You can also camp with your horse, but depending on the elevation, you may need a higher level plan. The Standard and Annual plans cover camping up to 19,685 feet/6,000 meters, while the Explorer plan covers camping up to 21,325 feet/6,500 meters, and the Epic plan covers camping up to 26,247 feet/8,000 meters. If you plan to ride a horse in a rodeo, you’ll need to have purchased either the Explorer or Epic plan. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what may or may not be covered.

  • What should I do if I get hurt while horseback riding?

    If you're hurt while horseback riding, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval). Access to a 24/7 non-insurance Emergency Assistance team is also included for support anytime, anywhere.

  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you could be reimbursed for pre-paid, unused, non-refundable expenses like flights, horseback riding tours and accommodations if your trip is cancelled for a covered reason. US residents (except those that live in New York) also have the ability to add, at an additional cost, cancel for any reason coverage when certain World Nomads plans are purchased that could refund a portion of your pre-paid, unused, non-refundable travel expenses. 

  • What happens if my bags are delayed?
    If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your plan also includes non-insurance service that can help track down your bag and get it delivered to you.

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


20250716-4665261. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images
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Travel insurance for Italy

Explore la dolce vita

    As featured in:

  • As featured in:

Article at a glance

  • Travel insurance is mandatory if you're applying for a Schengen visa.
  • Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
  • Travel insurance may also cover trip cancellations due to insured events, stolen baggage, and disruptions due to strikes.
  • Travelers staying for more than 90 days or travelling for work/volunteering should check visa requirements and policy limits.
  • Always read the Policy Wording to understand what’s included and excluded.

From the colorful cliffside villages of Cinque Terre to the ancient streets of Pompeii, Italy delivers big on unforgettable experiences.

Whether you're cycling through vineyards in Piedmont or planning a foodie escape to Bologna, it’s worth considering how travel insurance for Italy can help if the unexpected happens.

What's covered

Depending on the plan you choose and your Country of Residence, our trip insurance for a trip to Italy can cover you (up to benefit limits) for:

We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. It is up to you to choose which plan meets your travel needs.

Why should I consider travel insurance for Italy?

World Nomads travel insurance may come in handy for:

  • Medical emergencies: If you come off your scooter in Venice and fracture your wrist, medical travel insurance may help cover these expenses.
  • Stolen belongings: Pickpocketing can happen in crowded areas like The Colosseum. Our policies may help with replacing stolen items, including passports and tech. Depreciation applies, see the PDS for details.
  • Trip cancelation: If your trip is canceled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
  • Luggage delays: If your bags are delayed en-route to Rome and you're left without clothes or essentials, we may reimburse necessary purchases.
  • Adventure activities: Planning on hiking the Dolomites? World Nomads can cover more than 150 activities including trekking, skiing and water sports.

Traveler’s tip: you can buy travel insurance when you book your trip or while you're already traveling around Italy. Waiting periods may apply.

What to look out for when traveling to Italy

Going off season

Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.

If you go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Trento in Trentino and Mantua in Lombardy.

Traveler’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.

Pickpockets and other scammers

Be vigilant with your personal items, especially on public transport and busy tourist sites such as Pisa.

If your personal items are stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.

24/7 Emergency assistance

If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is approved.

Top travel tips for Italy

  • Travel documents for travel to Italy: a valid passport with at least six months’ validity is essential. You may also require a Schengen visa and proof of travel insurance.
  • The new European Entry/Exit System (EES) for all non-EU nationals traveling in or out of the Schengen Area is expected to start in October 2025.
  • How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have great Wi-Fi.
  • Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.

Looking for more travel inspiration for Italy?

Get more travel inspiration for Italy:

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.

FAQ for a trip to Italy

Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Do I need a Schengen Visa for Italy?

    If you’re not a resident of a Schengen visa country, and depending on your nationality and country of residence, you may need to get a valid Schengen visa to move freely in the 27 EU member states. Additionally, travel insurance is compulsory for those who need a Schengen visa to enter Italy. 

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel companion unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Hurt abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel insurance for Italy

Explore la dolce vita

    As featured in:

  • As featured in:

Article at a glance

  • Travel insurance is mandatory if you're Australian and applying for a Schengen visa.
  • Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
  • Travel insurance may also cover trip cancellations caused by insured events, stolen baggage, and disruptions due to strikes.
  • Australian travellers, including those travelling for work/volunteering, staying for more than 90 days should check visa requirements and policy limits.
  • Always read the Product Disclosure Statement (PDS) to understand what’s included and excluded.

From the rolling hills of Tuscany to the canals of Venice, Italy is a dream destination. Whether you're exploring ancient ruins in Rome, skiing in Northern Italy, or on a family holiday in Tuscany, Italy offers adventure, history, and culture in equal measure.

While the food, culture, and art of Italy may be enticing, unexpected events like medical emergencies, travel delays, or stolen luggage can quickly turn your dream Italian getaway into a stressful situation. Before you get on your flight, consider how travel insurance for Italy can help if your adventure doesn’t go to plan.

What's covered

Depending on the plan you choose our trip insurance for Italy can cover you (up to benefit limits) for:

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 Italy?

World Nomads travel insurance could come in handy for:

  • Medical emergencies: If you trip on cobblestones in Florence and fracture your ankle, medical travel insurance may help cover these expenses.
  • Stolen belongings: Pickpocketing can happen in crowded areas such as Rome’s Termini Station. Our policies may help with replacing stolen items, including passports, tech and personal belongings. Depreciation applies, see the PDS for details.
  • Trip cancellation: If your trip is cancelled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
  • Luggage delays: If your bags are delayed en-route to Naples and you're left without clothes or essentials, we may reimburse necessary purchases.
  • Adventure activities: Planning on hiking the Cinque Terre? World Nomads can cover more than 220 activities, so get out there and have fun in the sun!

The above features are a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the PDS for complete details of cover and exclusions.

Traveller’s tip: you can buy travel insurance when you book your trip or while you're already travelling around Italy. Waiting periods may apply.

What to look out for when traveling to Italy

Travel during the shoulder seasons

Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.

If you do go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Locorotondo in Puglia, and Tropea in Calabria.

Traveller’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.

Pickpockets and other scammers

Always be vigilant with your personal items, especially on public transport and busy tourist sites such as The Colosseum.

If your gear is stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.

24/7 Emergency assistance

If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is accepted.

Top travel tips for Italy

  • Travel documents for travel to Italy: The Department of Foreign Affairs and Trade (DFAT) states that you should have a valid passport with at least six months’ validity. For example, you can’t enter some countries if you have less than 6 months validity on your passport from the date you intend to leave that country. This may apply when you’re transiting or stopping over in the country.
  • Australia has a Reciprocal Health Care Agreement with Italy. You may be able to get treated in public medical facilities if you show your Medicare card and Australian passport. You should still consider travel insurance for medical emergencies abroad as there may be differences in what's covered. Check what is covered under the RHCA and travel insurance as there may be differences in cover available under each.
  • How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have solid Wi-Fi.
  • Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.
  • The new European Entry/Exit System (EES) for all non-EU nationals, including Australians, travelling in or out of the Schengen Area is expected to start in October 2025.
  • Stay informed with Smartraveller for country-specific alerts.

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This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

FAQ for a trip to Italy

Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Do I need a Schengen Visa for Italy?

    Australians can travel to Italy and other Schengen countries without a visa for up to 90 days within a 180-day period. You may be asked to provide evidence of sufficient funds for your stay, a return or onward ticket, and proof of accommodation according to travel advice websites. For more information on what Australians should know before going to Italy and the Schengen area go to the Smartraveller website.

  • What if my baggage or tech gear is stolen in Italy?
    Our travel insurance plans may cover personal belongings that are stolen or accidentally damaged, including phones, laptops, and cameras—but be aware of the terms and conditions, limitations and exclusions including depreciation, as well as item limits and sub-limits. You also have the option to add high value items when you get a quote.

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*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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