Seguro Viagem para surfistas brasileiros
Chegaram as férias, é hora de surfar! Pegue uma onda no paraíso dos surfistas – mas não se esqueça do seu seguro.
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Você já conhece tudo que o litoral brasileiro tem a oferecer e agora é hora de partir para Gold Coast, Indonésia, Oahu ou todas aquelas ondas com as quais você sempre sonhou. Mas um caldo inesperado ou um encontro com uma rocha submersa podem impor uma pausa ou prematura ao seu sonho. Portanto, antes de buscar as ondas, é uma boa ideia contratar um Seguro Viagem.
Seguro Viagem para surfistas brasileiros
Você pode até ser um surfista tarimbado e conhecer os riscos, mas surfar sabendo que está protegido em caso de acidente só melhora sua experiência. Uma apólice de viagem da World Nomads para surf pode cobrir:
Perda de bagagem: E se a companhia aérea extraviar sua valiosa prancha e outras bagagens antes mesmo que você veja o mar? Certifique-se de informar imediatamente a perda à companhia aérea e obter comprovante por escrito, preenchendo o formulário P.I.R (Property Irregularity Report).
Documentos perdidos: Perdeu seus documentos de viagem e carteira pulando de uma cidade litorânea para outra na Nicarágua? Você pode contar com seu Seguro Viagem para garantir que as substituições sejam mais tranquilas.
Atendimento médico de emergência: em um minuto você está voando sobre as ondas, no próximo você leva um caldo. Fazer um Seguro Viagem para questões médicas de emergência no exterior pode ter sido a melhor decisão que você tomou antes de viajar.
Transporte: as melhores ondas do mundo não necessariamente ficam próximas ao hospital. Seu Seguro Viagem pode ajudá-lo a sair do paraíso isolado do surfista e se dirigir ao centro médico mais próximo para tratamento.
Cancelamento de viagem: Se você ou um acompanhante sofrer um acidente nas ondas ou ficar doente, o que significa que sua viagem terá que ser interrompida, sua apólice pode ajudá-lo a voltar para casa e recuperar suas despesas de viagem pré-pagas.
Além do surf, sua apólice World Nomads também pode cobrir:
- Surf terrestre
- Stand-up paddle surf (SUP)
- Windsurf
- Sandboard
- Kiteboarding
- Wakeboarding
Leia sua apólice de Seguro Viagem detalhadamente, pois certas formas complementares de tratamento médico podem não ser cobertas por acidentes relacionados ao surfe.
O que não está coberto pelo Seguro Viagem para surf?
A World Nomads quer contribuir para que as pessoas possam explorar tudo que o mundo tem a oferecer. Mas você não deve visitar regiões que forem consideradas inseguras ou desaconselháveis para viajar, e você sempre precisa ser sensato e tomar cuidado. A World Nomads não pode cobrir tudo, portanto, esteja ciente de alguns pontos, como:
- Não vá para o mar depois de beber ou usar drogas.
- Não podemos oferecer cobertura se você não seguir as orientações de seu médico após um acidente.
- Você deve sempre cuidar de seus objetos pessoais.
- Se algo acontecer com você como resultado de uma condição médica pré-existente, seu tratamento não poderá ser coberto.
Se você é iniciante, faça aulas em uma escola de surf. Não procure um tubo ou uma rampa direto!
Como aproveitar ao máximo seu Seguro Viagem
Como surfista, há uma boa chance de você querer experimentar outros esportes ou atividades de aventura durante as férias.
A World Nomads oferece cobertura para mais de 150 esportes e atividades diferentes e emocionantes que você pode experimentar enquanto viaja pelo exterior. Mas você deve estudar os diferentes planos - Standard, Explorer e Explorer Plus - para decidir qual é o certo para você.
Aproveitar suas férias ao máximo geralmente significa tomar as decisões certas. Então, ao sair para surfar:
- fique de olho nos alertas de tempestade
- reconheça os seus próprios limites e respeite os sinais de alerta do oceano
- verifique a área com antecedência e fique atento a rochas e recifes submersos
- pode ser uma boa ideia surfar com outras pessoas para que vocês possam se revezar para ficar com as coisas de todos na praia. Seu seguro não cobrirá a perda de seus pertences se eles forem deixados sem vigilância.
Obviamente, em férias de surf, é para isso que você deseja uma cobertura específica. Mas os planos de Seguro Viagem da World Nomads cobrem muitas outras situações inesperadas e às vezes inevitáveis que podem acontecer quando você está viajando.
Você pode precisar de cuidados médicos depois de torcer o tornozelo subindo a colina para outra praia ou depois de comer frutos do mar locais que não caíram muito bem. Ainda existe a possibilidade de você pegar o COVID-19. Aconteça o que acontecer, o Seguro Viagem para emergências médicas é importante, pois pode fornecer assistência e atenção médica quando você estiver longe de casa.
A equipe de assistência de emergência da World Nomads também pode oferecer ajuda 24 horas por dia, 7 dias por semana, em diversos eventos inesperados. Isso pode incluir ajudar a encontrar o hospital ou delegacia de polícia mais próximos ou informar sua família no Brasil sobre qualquer emergência e ajudá-lo a receber valores de maneira rápida e fácil se você estiver em dificuldades.
Obviamente, este é apenas um breve resumo de por que é uma boa ideia ter um Seguro Viagem se você estiver de férias para surfar. Para obter informações mais detalhadas, leia atentamente as opções de apólice disponíveis. Se você tiver alguma dúvida, entre em contato.
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 hospitalised?
- 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?
- Medivac 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)
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotação
What to do if your flight is delayed or cancelled
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So you’re stuck at the airport … we’ve all been there. If your flight has been delayed or cancelled, or you’ve missed your connection, your airline should always be your first port of call. But travel insurance may be able to help in certain circumstances, so you can get on with your trip.
World Nomads travel insurance plans include trip interruption and trip delay coverage if your trip is interrupted or delayed due to one of the covered risks under the policy.
What to do if your flight has been cancelled or you’ve missed a connection
In many cases, if your flight has been cancelled or you miss a connection, your airline will automatically rebook you. Before you leave home, download your airline’s app, and refresh the app as soon as you realize you have flight issues.
If your airline has not automatically rebooked you, head to the service desk or call their customer care line. But don’t rush to buy a new flight, as neither the airline nor travel insurance are likely to reimburse you for a new flight.
Talk to your airline about rebooking, compensation or a full refund
Your airline is obligated to rebook you if your flight has been cancelled or you’ve been bumped from an oversold flight. Travel insurance won’t reimburse you if you’ve been bumped, so seek compensation directly from your airline. If they can’t get you on a new flight until tomorrow, ask to be rebooked on another carrier, or request meal and hotel vouchers. You must accept any reasonable alternative options offered by the airline. If you do end up making a travel insurance claim, you’ll need proof that you first sought reimbursement from your airline.
Get the essential details in writing from your airline
If the airline is unable to provide meal or hotel vouchers, you may be able to claim for reimbursement of out-of-pocket meal and lodging expenses under your trip delay benefit. You’ll need written confirmation from your airline that includes:
- The reason for the delay
- Scheduled departure and return times
- Actual departure and return times.
Head straight to the airline desk to get this critical information or ask a telephone agent to email you these details on the spot.
Keep your receipts for reasonable expenses
Remember to keep receipts for any out-of-pocket expenses you incur during your delay – you’ll need these to make a claim. Your trip delay benefit may cover taxi fares, lodging and meals while you’re delayed. And if your bags are delayed too, by more than 12 hours, keep receipts for the essential toiletries and a change of clothes that you’ll need until your trip resumes and you’re reunited with your bag.
If you do need to make a claim, check out our how to make a claim article for step-by-step guidance.
How might travel insurance help if your flight is delayed or cancelled?
Travel insurance may be able to step in where your airline falls short. Here are some situations where travel insurance may be able to provide some relief.
- If your trip is interrupted due to a covered risk under your plan, such as a strike halting all travel services at your departure point or destination, you may be able to claim for reimbursement of unused, prepaid, nonrefundable trip costs and for additional transportation expenses to your next destination.
- If you miss a connection due to a schedule change of the airline that is providing transportation for a portion of your trip due to inclement weather , you may be eligible for reimbursement of the change fee charged by the airline carrier or up to $2,000 for the extra cost of airfare to continue to your next destination Once you reach your destination, if your checked baggage is delayed by your airline or ground carrier for more than 12 hours, you may be eligible to claim for reimbursement of necessary personal effects such as essential toiletries and a change of clothes under your baggage delay benefits.
Before you leave home, you’ll want to be sure to choose the right travel insurance plan for your needs. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
What’s excluded if your flight is delayed or cancelled
Travel insurance isn’t designed to cover everything. Exclusions include, but are not limited to:
- Running late, getting stuck in traffic or standing in the security line so long that you miss your flight.
- Purchase of a new flight because you didn’t want to wait to be rebooked by your airline.
- Luxury hotel suites and ordering the most expensive thing on the menu. Travel insurance is meant to cover reasonable out-of-pocket expenses if you’re delayed. Opting for expensive delay accommodation may push you past the daily limits of your delay benefits.
- Baggage delays of less than 12 hours.
- Expenses that have been reimbursed by your airline.
- Transportation expenses to return you to your home province if, prior to your effective date, you did not purchase a return air ticket to return to your home province as part of your trip.
Handy tips for flight delays and cancellations
We know delays and cancellations are frustrating, whether you’re leaving Canada to set off on your trip, are mid-way through your adventure, or trying to get home. Follow these tips to help smooth the journey.
- Prepare in advance. Download your airline’s app. Print or save a copy of your travel insurance plan documents. Check-in online if you can.
- Allow plenty of time to get to the airport and through the security line (usually a minimum of two hours for domestic and three hours for international flights, but check with your airline for guidance).
- Get to the airport earlier during peak travel periods like school holidays and long weekends, or at busy airports or major hubs. If you’re flying to the US, additional screening may apply so you may want to plan some time in that circumstance too.
- Be ready for delays and cancellations. Wear comfortable clothes; bring snacks; have reading, watching or listening material handy or downloaded for when you need it; bring a charger for your devices.
- Carry-on if you can. Having everything with you will minimize the chances of baggage loss if you miss a connection or your flight is cancelled. If you need to check your bag, carry the essentials, including medications and a change of clothes, with you.
- Know what your plan does and doesn’t cover, and when.
- Be patient and kind. Delays and cancellations are frustrating. Be kind to the customer service agents who are dealing with the demands of dozens, if not hundreds, of other passengers.
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)
Travel Insurance for Ecuador
What Americans need to know before travelling to Ecuador
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At a glance
- World Nomads offers four travel protection plans for your trip to Ecuador and the Galapagos Islands. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Ecuador like diving, hiking and mountain biking
- Plans for Americans include protection for medical emergencies, trip interruptions and lost luggage.
Don’t let its size fool you – Ecuador delivers a whole lot in a small package. In Quito, colonial architecture and high-altitude views set the scene, while the nearby cloud forests offer misty trails, birdlife and lush, green landscapes. Head to the Andes for volcanoes, hiking tracks and traditional villages, or drop down to the Amazon for rainforest lodges and river expeditions. Off the coast, the Galápagos Islands are a major draw, with close-up wildlife encounters that are nothing short of extraordinary. Back on the mainland, colorful markets, coastal towns and a strong food culture add to the experience.
Plan Comparisons
Choosing the right travel protection coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
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Ideal for: Coverage Includes:
Covering the basics for your trip to Ecuador. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
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Travel insurance for adventure activities in Ecuador
Start in Baños, where you can canyon down rock faces, zipline across river gorges or raft the Pastaza River. Up in the Andes, Cotopaxi’s near-perfect cone sets the scene for hiking and climbing, while mountain biking routes drop fast through high-altitude terrain. In the Amazon, guided treks through dense rainforest, river journeys by canoe and night walks bring the jungle to life while, along the coast, travelers and locals alike come to Montañita to surf and to party – and there’s no reason you can’t do both. In the Galápagos, snorkel with sea lions, swim alongside turtles and reef sharks, then head ashore to commune with birdlife on volcanic trails – it’s like stepping into a wildlife documentary.
Coverage for activities in Ecuador
Common insurance considerations for Ecuador
Accidents and emergencies
No one likes imagining the worst, but if you do get sick or have an accident that sends you to the hospital, you’ll be glad you purchased travel protection before you left home. Fell over hiking in the Galápagos Islands? Wiped out on a mountain bike descent and ended up in the hospital? Ate ceviche past its prime and got a bad bout of food poisoning? Emergency assistance is a phone call away. All World Nomads plans include non-insurance services like portable health records. This enables medical staff to access your records 24/7. Having that information available may be critical if you experience an unexpected medical emergency while travelling.
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel protection plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about traveling? There’s no judgment here. Just make sure you purchase the Cancel For Any Reason benefit within 7 days of making your first trip payment (like booking a hotel or flight) and remember to cancel no later than two days before your departure date. Additional cost, terms and conditions apply; not available to New York residents.
Emergency evacuation
If you get sick or injured and your condition is acute, severe, or life threatening and you’re far from suitable medical facilities, emergency evacuation and repatriation coverage may help get you the care you need. It may cover, up to the maximum benefit amount, to get you to the closest suitable medical facility or to your primary residence for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 non-insurance Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies.
Trip interruption
No matter how good of a time you’re having in Ecuador, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get injured or sick while you're traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips we recommend for traveling to Ecuador
- Altitude can take time to adjust to in places like Quito, so take it easy on arrival and stay hydrated
- Weather varies widely by region, so pack layers for cooler highlands and lighter clothing for the coast and Amazon
- Tap water isn’t recommended for drinking, so stick to bottled or filtered water
- Keep an eye on your belongings in busy areas, especially cities and on public transport
FAQ
Here are our most frequently asked questions about cover for Ecuador. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do Americans need a visa to visit Ecuador?
US travelers don’t need a visa for short stays in Ecuador (typically up to 90 days). Entry requirements can change, so check before you go.
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Is Ecuador safe for travelers?
Ecuador can be safe to visit, but petty theft and opportunistic crime can occur, particularly in cities like Quito and Guayaquil. Political protests in recent years have also gotten violent. Stay aware of your surroundings and follow US Department of State travel advisories*. You may want to consider travel insurance for those unexpected situations that arise.
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What is the best time to visit Ecuador?
Ecuador can be visited year-round, but conditions vary by region. June to September is generally drier in the highlands, while the Amazon is humid year-round. The Galápagos Islands are good to visit at any time.
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Can I drink tap water in Ecuador?
Tap water is not recommended for drinking in Ecuador. Stick to bottled or filtered water.
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What currency is used in Ecuador?
Ecuador uses the US dollar. Credit cards are accepted in many places, but it’s useful to carry cash for smaller purchases.
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Do I need a permit to visit the Galápagos Islands?
Visitors to the Galápagos must pay an entry fee and may need a transit control card. Travel is typically done through licensed operators to protect the environment.
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How do I avoid getting sick in Ecuador?
Take sensible precautions with food and water and check which vaccinations are recommended well in advance of your trip. All World Nomads plans for US residents include insurance benefits and additional non-insurance services like access to pre-trip medical support. A telehealth consultation can help you with a customized medical plan based on your destination. This may help you prepare for health concerns before you go and the best ways to avoid things like altitude sickness, malaria, yellow fever and traveler’s diarrhea.
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Do I need travel insurance for Ecuador?
Visiting the Galápagos Islands may not require travel insurance, but the rules and regulations change somewhat regularly. Double check with your tour provider before setting out. Even if it’s not mandatory, benefits for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
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What if my bags are lost or stolen?
Travel insurance benefits for lost, damaged, destroyed, stolen or delayed bags are included in all World Nomads plans. Also, our non-insurance service included in every plan assists with tracking and delivering missing checked bags.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload and get started. If you get stuck, you can call us collect on +1 844-207-1930 and we can assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 non-insurance Emergency Assistance partners at Generali Global Assistance are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 (877) 289-0968 (toll-free from the Continental US); or
Phone: +1 (954) 334-8143 (collect from anywhere else in the world)
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What if my passport gets stolen in Ecuador?
World Nomads travel protection plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the plan towards the replacement of your passport or one or more other travel documents mentioned above.
Need inspiration for your travels in Ecuador?
Not sure where your next adventure should take you? Take a look at these travel and safety ideas and get destination-specific travel insurance tips to help you plan with confidence.
Visiting Cuenca, Ecuador: Things to See and Do
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)
Travel Insurance for 180+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling.
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- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
World Nomads covers more than 180 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
Adventure sports, travel insurance and what’s covered by our plans
It’s a wide, wide world, and that can only mean one thing – Adventure! Here at World Nomads, we believe in helping you get the most out of your vacation and the most out of what the planet has to offer. That’s why we offer travel insurance covering more than 180 adventure sports and activities. So if you’re planning on scuba diving in Mexico or mountain biking the Himalayas, it may be a good idea to get travel insurance to cover your adventures.
Everyone envisages the end of a fun day skiing telling stories around a log fire, but what if it ends up with you telling the doctor how you hit a tree or broke your leg? Things don’t always go as planned, so all our policies include round-the-clock professional emergency assistance in the form of a support hotline.
Some of the situations covered by your adventure travel insurance may include:
Emergency Medical Care and Evacuation
If you tumble out of a dune-buggy miles from anywhere, we can help direct you to the nearest hospital and may even be able to arrange the transportation to get you there as soon as possible. Our Emergency Assistance team may also be able to contact your family back in Brazil to let them know what might have happened and how you are getting on.
Lost documents
If you’re out deep-sea fishing when your documents fell overboard while hauling in a 110kg tuna, your travel insurance may be able to arrange replacements to ensure your vacation continues and you’ll be able to get back home. Our Emergency Assistance team may be able to help here as well, offering guidance on getting money wired from overseas.
Baggage Loss
All ready to hit the Alpine slopes only to discover the airline has lost your skis and all your winter clothing? Unfortunately, it can happen, so your adventure travel insurance may be able to reimburse you for replacement gear while the airline sorts things out. Just remember to complete all the proper paperwork at the airport and keep it safe for when you’re ready to claim.
You might have finished the day’s trekking across Northern Spain without a hitch, but one of your buddies might not have been so lucky. If one of your traveling companions injures themselves or falls ill and you have to cut your trip short, your policy may be able to help you get back home and cover you for lost expenses.
What activities are covered?
There are some radical sports which we in Brazil particularly love, such as surfing and rappelling. While many forms of these sports are included in our policies, there are others which are popular amongst Brazilians, such as skydiving and mountain climbing, which may not be.
We cover 180 activities you love + more
- Scuba diving
- Surfing
- Snowboarding
- Skiing
What’s not covered
While World Nomads may provide insurance for a wide range of sports and unforeseen events, it can’t cover everything. The following are some situations that won’t be covered:
- Healthcare emergencies related to any pre-existing medical conditions.
- Sports or activities not covered in the policy you have chosen.
- Professional participation in an activity or sport (e.g.: professional mountain biking or surfing).
- Anything that happens if you have taken drugs or alcohol. Water and wine don’t mix!
- Reckless behavior or taking needless risk.
- Sports equipment damaged while traveling to your vacation destination may be covered, but damage while in use won’t be.
Adventure activity tips to help you have a safer experience
Choose the right guide
Even if you’re just floating on a tube in the hotel pool, you should always be aware of the risks surrounding you. So if you’re planning to tube down some canyon rapids, you should be that much more aware of risks you face!
When choosing a tour operator, always check they are properly certified and registered to guide you through your exciting new adventure.
Choose the right gear
Make sure you are properly protected for the adventure sports you plan on doing. Double-check the harness on that high-speed yacht and pop on your helmet and pads when going skateboarding.
Be aware of your own limitations
You may ride around town every day at home, but that doesn’t mean that your body will be ready for a full day’s mountain biking in the high Pyrenees. Always take a step back and sensibly consider whether the activity you want to get involved in is suitable for your specific levels of fitness.
If you have any questions about coverage, just ask us – we’re happy to help.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 hospitalised?
- 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?
- Medivac 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)
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 teamGet 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 quoteFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
What To Do if Your Flight Is Delayed or Cancelled
Follow these travel insurance tips if your flight is delayed or cancelled.
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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.
- What to do if your flight has been canceled or you’ve missed a connection
- Talk to your airline about rebooking, compensation or a full refund
- Get the essential details in writing from your airline
- Keep your receipts for reasonable expenses
- How might travel insurance help if your flight is delayed or canceled?
- Handy tips in case your plans get affected by a delayed or canceled flight
So you’re stuck at the airport … we’ve all been there. If your flight has been delayed or canceled, or you’ve missed your connection, your airline should always be your first port of call. But travel insurance* may be able to help in certain circumstances. Read on for more info.
What to do if your flight has been canceled or you’ve missed a connection
In many cases, if your flight has been cancelled or you miss a connection, your airline will automatically rebook you. Before travel, download your airline’s app, and refresh the app as soon as you realize you’ve got flight issues.
If your airline has not automatically rebooked you, head to the service desk or call their customer care line. But don’t rush to buy a new flight, as the airline is not likely to reimburse you for a flight purchased on your own and travel insurance can only reimburse you if your flight is canceled for a reason specified by your plan.
Talk to your airline about rebooking, compensation or a full refund
Your airline is obligated to rebook you if your flight has been canceled or you’ve been bumped from an oversold flight. Travel insurance won’t reimburse you if you’ve been bumped, so seek compensation directly from your airline. If they can’t get you on a new flight until tomorrow, ask to be rebooked on another carrier, or request meal and hotel vouchers. You must accept any reasonable alternative options offered by the airline. If you do end up making a travel insurance claim, you’ll need proof that you first sought reimbursement from your airline or other travel provider.
Get the essential details in writing from your airline
If the airline is unable to provide meal or hotel vouchers, you may be able to claim for reimbursement of out-of-pocket meal and lodging expenses under your trip delay benefit. You’ll need written confirmation from your airline that includes:
- the reason for the delay
- scheduled departure and return times
- actual departure and return times.
Head straight to the airline desk to get this critical information or ask a telephone agent to email you these details on the spot.
Keep your receipts for reasonable expenses
Remember to keep receipts for any out-of-pocket expenses you incur during your delay – you’ll need these to make a claim. Your trip delay benefit may cover local transportation, lodging and meals while you’re delayed. And if your bags are delayed too, by more than 12 hours, keep receipts for the essential toiletries and a change of clothes that you had to buy until your trip resumes, and you’re reunited with your bag. As soon as you realize your bag has been misplaced by the airline, you should also contact our Delayed or Lost Baggage Tracking and Delivery service. This non-insurance service partner will get on the case and will update you every step of the way as they find and retrieve your bags
If you do need to make a claim, check out our how to make a claim article for step-by-step guidance.
How might travel insurance help if your flight is delayed or canceled?
Travel insurance may be able to step in where your airline falls short. Here are some situations where travel insurance may be able to provide some relief.
- If an airline refused to provide meal or lodging vouchers, you may be able to claim for reimbursement of those expenses after a delay of six or more hours.
- If your delayed or canceled flight caused you to miss pre-paid accommodation or tours, you may be able to claim for reimbursement of those unused, prepaid, nonrefundable trip costs.
- If your flight is canceled or delayed for at least 24 consecutive hours due to a strike, you may be able to claim reimbursement for new flight tickets that you had to purchase out of pocket.
- If you miss the start of your trip due to a covered missed connection reason, you may be eligible for reimbursement to ‘catch up’ and join, instead of having to cancel your plans.
- If you’re stuck overnight and your airline can’t deliver your checked baggage for more than 12 hours, you can claim for reimbursement of essential toiletries and a change of clothes under your baggage delay benefits. Remember to also get in touch with our Delayed or Lost Baggage Tracking and Delivery service. This non-insurance service partner may be able to retrieve your lost bags quickly.
World Nomads offers four plans, which each have different per day and maximum benefit limits. Read your chosen plan thoroughly to understand the benefit limits.
Traveler tip 1: Remember, travel insurance is for the unexpected. If a storm or strike, or any other event, was known when you bought your travel insurance plan, coverage may not apply.
What’s excluded:
Travel insurance isn’t designed to cover everything. Exclusions include, but are not limited to:
- You running late, getting stuck in traffic or a long security line and missing your flight.
- Purchase of a new flight because you didn’t want to wait to be rebooked by your airline.
- Luxury hotel suites and the most expensive thing on the menu. Travel insurance is meant to cover reasonable out-of-pocket expenses if you’re delayed.
- Flight delays of less than six hours.
- Baggage delays of less than 12 hours.
- Expenses that have been reimbursed by your airline.
Traveler tip 2: if you are going to miss your flight because you’re just running late, contact your airline. Travel insurance won’t be able to reimburse you for your missed flight if you overslept.
Handy tips in case your plans get affected by a delayed or canceled flight.
We know delays and cancellations are frustrating, but here are a few tips to help smooth the journey.
- Prepare in advance. Download your airline’s app. Print or save a copy of your travel insurance plan documents. Check-in online if you can.
- Allow plenty of time to get to the airport and through the security line (usually a minimum of two hours for domestic and three hours for international flights, but check with your airline for the most up-to-date guidance).
- Be ready for delays and cancelations, which are increasingly common these days. Wear comfortable clothes; bring snacks; have reading, watching or listening material ready when you need it.
- Carry on if you can. Having everything with you will minimize the chances of baggage loss if you miss a connection or your flight is canceled. If you need to check your bag, carry the essentials, including medications and a change of clothes, with you.
- Know what your plan does and does not cover, and when. Trip delay benefits for U.S. resident plan holders start at six hours. Baggage delay benefits start at 12 hours. Know what types of delays are (e.g. weather) and are not (e.g. airline staffing issues) covered.
- Be patient and kind. Delays and cancelations are frustrating. Be kind to the customer service agents who are dealing with dozens, if not hundreds, of other angry passengers.
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 hospitalised?
- 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?
- Medivac 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)
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
