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
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
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:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation, delay and interruption
- Stolen or delayed baggage
- More than 150 activities and adventures
- some Coronavirus-related events
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:
- Skiing in Italy’s Dolomites: 8 important safety tips
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
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.
-
Does World Nomads cover existing medical conditions?
We can’t cover existing medical conditions. You can still purchase a policy, just be aware that there’s no cover for any claim made as a result of a pre-existing condition.
-
How do I make a claim?
You can make a claim online from anywhere in the world – it’s fast and easy.
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)
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 teamTravel 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
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
What's covered
Depending on the plan you choose our trip insurance for Italy can cover you (up to benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation and delay
- Stolen or delayed baggage
- More than 220 activities and adventures
- Some Coronavirus-related events
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.
Looking for more travel inspiration for Italy?
Get more travel inspiration for Italy:
- Italy travel tips: 6 things to know before visiting
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
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.
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Does World Nomads cover existing medical conditions?
Our policies can cover more than 40 existing medical conditions. Special terms and conditions may apply. Check the PDS for details.
-
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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How do I make a claim?
You can make a claim online from anywhere in the world.
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Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
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)
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 teamAwards and accolades
Best Travel Insurance Companies Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Cancel for Any Reason Travel Insurance Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Annual Travel Insurance Gold Badge
Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Travel Insurance –
Overall-Product
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Travel Services Marketing -
Campaign-Advertising/Marketing Campaign
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Best Customer Service Winner
British Youth Travel awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2024
GRIST Service Excellence Award Winner
Auscontact awards, 2024
Customer Experience Initiative of the Year Process Transformation Winner
Auscontact awards, 2023
Best for Adventure Travel Winner
Men's Journal Travel Awards, 2025
Social Impact award for accomplishments for The Footprints Network Finalist
The Bessie awards, 2024
Extraordinary experience Winner
Global Youth Travel Awards, 2023
Best Responsible Tourism Campaign and Outstanding SDG Contribution, Winner
WYSE Travel Confederation's Global Youth Travel Awards, 2021
Service Excellence Award Winner
Auscontact awards, 2022 & 2021
Best Travel Safety Initiative Winner
WYSE Travel Confederation’s Global Youth Travel Awards, 2019
Sea Turtle Conservation in Costa Rica video shortlisted
Animal and Wildlife category, Shorty Social Good Awards, 2019
Best Use of Social/MobileMedia category, Silver Award Winner
British Youth Travel Awards, 2018
Memberships
Recent reviews
Travel Insurance for Multi-Destination Trips
When your bags are packed and your passport is ready to go, start off your multiple-destination trip with travel insurance.
- As featured in:
As featured in:
- Benefits of multi-destination travel insurance
- How it works
- Why choose World Nomads
- Five ways travel insurance can cover multiple destination trips
- FAQs
Exploring multiple countries in one trip can be an unforgettable adventure. But with added excitement comes extra complexity, from navigating different transit systems to understanding local safety risks.
That’s where World Nomads travel insurance can help.
Benefits of multi-destination travel insurance
With World Nomads you can be covered for multiple destinations under one policy, giving you access to:
- Continuous coverage across borders: coverage for every country listed on your policy.
- Emergency medical cover: our flexible travel insurance for multiple destinations means you can get medical help wherever you are.
- Streamlined claims: whether it’s lost luggage in Rome or a hospital visit in Bangkok, World Nomads is here to help.
Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.
Read over your Policy Wording carefully and always check the terms and conditions, limitations and exclusions for full details of what is and isn’t covered.
How it works
Travel insurance for multi-stop trips covers you for every country listed on your policy. Simply add the countries you’re planning to visit when you get a quote.
Our policies can cover you, up to policy limits, and depending on your country of residence, for benefits including:
- Overseas medical emergencies and evacuation
- 150+ adventures and activities
- Baggage and personal belongings
- Trip delays, interruption and cancellation
World Nomads offers two travel insurance plans - Standard and Explorer. You can choose which plan has the right level of coverage and benefits to meet your travel needs.
Why choose World Nomads
Whether you visit two or twenty countries on your adventure, we provide coverage for unexpected events while travelling.
- We have over 25 years of industry experience and thousands of satisfied customers
- Our dedicated Emergency Assistance team is available 24/7
- You can buy, extend and claim online anywhere in the world
Want all the details?
You can compare the Standard and Explorer plans and prices through getting an instant online quote.
Five ways travel insurance can cover multiple destination trips
Medical Emergencies
If you become sick or injured overseas our policies may cover you for medical treatment, hospitalisation, doctor’s visits, medical evacuation, repatriation to your country of residence and more.
Trip delay
If your trip is delayed our policies may cover the costs of extra accommodation, meals, local transport and other expenses you incur as a result.
Your baggage and personal effects
If your baggage or personal items are lost, damaged or stolen, we may cover your items, up to policy limits. We can also offer cover if your bags are delayed in transit.
Adventure activities and sports
Our policies offer cover for more than 150 activities including hiking, scuba diving, surfing, and mountain biking.
Rental vehicle excess
Going on a road trip? Our Explorer plan can cover you for rental vehicle excess if your vehicle is damaged or stolen.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Policy Wording.
Need to know more?
When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
Traveling to multiple countries? Here are ways World Nomads can help:
- Translation and interpreting services
- Flight rescheduling
- Physician referrals
- Pre-trip information
Please note: some World Nomads services may not be available for all destinations. If you have any questions around what services are available for your destination(s) please get in touch.
FAQs for travellers visiting multiple countries
Here are our most frequently asked questions about multi-destination trips. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
When does my cover for each trip start and end?
The start of cover depends on when you purchase your policy. Cover ends on the end date shown on your Certificate of Insurance or when you return home, whichever happens first.
-
Can I cover multiple people on the one policy?
Yes! We offer coverage for up to 2 adults and 8 children per policy.
-
Do I need cover if I’m making a stopover and not leaving the airport?
Our policies may cover you during a stopover where you don’t leave the airport. If you leave the airport, you will need to list the destination when purchasing your policy to be covered. Find out more.
-
Do I need to list every country I’m visiting?
To make sure you’re covered for all the countries you’re visiting, select them when purchasing your policy as you can’t add them after.
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 teamTravel 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?
- Got into an accident?
- 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 medication?
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 to get to 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 stolen?
- Luggage lost?
- Tech trashed?
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 Multi-Destination Trips
When your bags are packed and your passport is ready to go, start off your multiple-destination trip with travel insurance.
- As featured in:
As featured in:
- Benefits of multi-destination travel insurance
- How it works
- Why choose World Nomads
- Five ways travel insurance can cover multiple destination trips
- FAQs
A trip to multiple countries offers more opportunities for fun and adventure. But it can also mean more unfamiliar cultures, safety issues to consider, and transit systems to navigate.
If you’re an Aussie travelling to multiple destinations, you may want to consider travel insurance for multiple destinations.
Benefits of multi-destination travel insurance
With World Nomads you can be covered for multiple destinations under one policy, giving you access to:
- Continuous coverage across borders: coverage for every country listed on your policy.
- Emergency medical cover: our travel insurance for multiple destinations means you can get medical help wherever you are.
- Streamlined claims: whether it’s lost luggage in London or a hospital visit in Hanoi, World Nomads is here to help.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement (PDS).
How it works
Travel insurance for multi-stop trips covers you for every country listed on your policy. Simply add the countries you’re planning to visit when you get a quote.
Our policies can cover you, up to policy limits, for benefits including:
- Overseas medical emergencies and evacuation
- 220+ adventures and activities
- Baggage and personal belongings
- Trip delays and cancellations
World Nomads offers two travel insurance plans - Standard and Explorer. You can choose which plan has the right level of coverage and benefits to meet your travel needs.
Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.
Read over your Product Disclosure Statement (PDS) carefully and always check the terms and conditions, limitations and exclusions of your policy for full details what is and isn’t covered.
Why choose World Nomads
Whether you visit two or twenty countries on your adventure, we provide coverage for unexpected events while travelling.
- We have over 25 years of industry experience and thousands of satisfied customers.
- The Emergency Assistance team is available 24/7.
- You can buy and claim online anywhere in the world.
Want all the details?
You can compare the Standard and Explorer plans and prices through getting an instant online quote.
Five ways travel insurance can cover multiple destination trips
Medical emergencies overseas
If you become sick or injured overseas our policies may cover you for medical treatment, hospitalisation, doctor’s visits, medical evacuation, repatriation back to Australia and more.
Trip delay
If your trip is delayed our policies may cover the costs of extra accommodation, meals, local transport and other expenses you incur as a result.
Your baggage and personal effects
If your baggage or personal items are lost, damaged or stolen, we may cover your items, up to policy limits. We can also offer cover if your bags are delayed in transit.
Outdoor activities and sports
Our policies provide cover you for more than 220 activities including hiking, scuba diving, kayaking, and scooter riding.
Natural disasters
if you need to re-arrange or cancel your travel plans due to a covered severe weather event, we may cover your non-refundable travel expenses.
Note: The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the PDS.
Need to know more?
When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement. If you have any questions, please get in touch.
Traveling to multiple countries? Here are ways World Nomads can help:
- Translation and interpreting services
- Flight rescheduling
- Physician referrals
- Pre-trip information
Please note: some World Nomads services may not be available for all destinations. If you have any questions around what services are available for your destination(s) please get in touch.
FAQs for travellers visiting multiple countries
Here are our most frequently asked questions about multi-destination trips. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
When does my cover for each trip start and end?
The start of cover depends on when you purchase your policy. Cover ends on the return date shown on your Certificate of Insurance or when you return home, whichever happens first.
-
Can I cover multiple people on the one policy?
Yes! We offer coverage for up to 2 adults and 8 children per policy.
-
Do I need cover if I’m making a stopover and not leaving the airport?
Our policies may cover you during a stopover for up to 72 hours. Find out more information about stopovers.
-
Do I need to list every country I’m visiting?
To make sure you’re covered for all the countries you’re visiting, select them when purchasing your policy as you can’t add them after.
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 teamTravel 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?
- Got into an accident?
- 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 medication?
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 to get to 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 stolen?
- Luggage lost?
- Tech trashed?
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 domestic travel
Domestic travel insurance for Brits explained.
- As featured in:
As featured in:
- What are the benefits of domestic trip insurance?
- Trip disruption
- Medical cover
- Personal belongings
- Extra benefits of World Nomads Travel Insurance
- Exclusions of domestic travel insurance
Not all adventures require a passport stamp - sometimes, the best getaways are right on your doorstep. A weekend hiking in Snowdonia, a coastal escape to Cornwall, or a city break in Edinburgh – there’s so much to explore right here in the UK.
But whether you’re hiking the Scottish Highlands, exploring Cornwall’s rugged coastline, or city-hopping from London to Edinburgh, unexpected travel mishaps can still happen.
With a World Nomads Annual Multi-Trip (AMT) policy, you can get cover for domestic trips if you’ve pre-booked and paid for at least two nights of accommodation. Here’s what you need to know about what’s covered and what’s not.
What are the benefits of domestic trip insurance?
Here’s what’s covered (and why it matters).
-
Trip disruption
Life happens, and sometimes your trip doesn’t go as planned. Whether it’s a storm cancelling your weekend in the Lake District or a family emergency forcing you to cut a trip short, your insurance may help with:
- Cancelling your trip: If you suddenly fall ill before departure or must cancel for a covered reason, you may be able to claim back non-refundable costs:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
- Cutting your trip short: If you need to return home early, we may help with unused accommodation and travel expenses up to:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
-
Medical cover
Yes, the NHS has your back, but that doesn’t mean medical issues won’t derail your trip. Your insurance may help with:
- Medical repatriation: if you break your leg hiking Ben Nevis and need to be moved closer to home for specialist care, your cover may include up to £10,000,000 (Explorer Plan).
- Extra accommodation and travel expenses: Where it is medically necessary following an insured event, we can offer cover for some additional costs incurred. For example, expenses incurred for a friend or family member to travel from the UK to stay with you in hospital.
- Hospital benefit: If you end up admitted for more than 24 hours, you could receive a daily payout to help with extra costs:
- £20 per 24 hours (Standard Plan), max £200
- £50 per 24 hours (Explorer Plan), max £1,000
- Repatriation of remains: In the worst-case scenario, cover includes up to £25,000.
-
Personal belongings
Lost bags, stolen wallets, and broken cameras aren’t just international travel problems. If your gear goes missing during your UK trip, you could be covered for:
- Personal baggage: If your luggage is lost or damaged on a train to London, you could claim up to:
- £1,500 (Standard Plan)
- £3,000 (Explorer Plan)
- Single Item Limit £125 per item (Standard) | £250 per item (Explorer)
- Money & travel documents: If your wallet disappears at a music festival, your cover includes:
- Travel documents: £300 (Standard) | £600 (Explorer)
- Money: £0 (Standard) | £200 (Explorer)
-
Other cover
- Personal Accident: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £10,000 (Standard Plan)
- £25,000 (Explorer Plan)
- Personal Liability: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £2,000,000 per trip (for all insured persons per policy, per trip)
-
Extra Benefits of World Nomads Travel Insurance
SmartDelay™: relax while you wait
Flight delays are a nightmare - especially when you're stuck in an airport with nowhere to sit and overpriced sandwiches for company. That’s where SmartDelay comes in. If your departure is delayed beyond a set time, you may get free access to an airport lounge, where you can stretch out, grab a snack, and wait in comfort.
Exclusions of domestic travel insurance
Travel insurance is a lifesaver when things go wrong - but it doesn’t cover everything under the sun. Your policy spells out the fine print, but here are a few key exclusions to keep in mind:
- Pre-existing conditions: If you’ve had tests or treatment for a condition in the 180 days before buying or extending your policy, it won’t be covered.
- Alcohol & drugs: Had one too many at the pub and ended up in A&E? If an incident happens while under the influence, you’re on your own.
- Illegal activities: If you’re breaking the law and things go sideways, don’t expect your insurance to bail you out.
- Some personal belongings: Items like bikes or sporting equipment (whilst in use), won't be covered under the policy. If you are mountain biking in the Scottish highlands and require cover for your mountain bike, check your policy first.
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 teamTravel insurance for South Africa
What UK Travellers Need to Know About Safety in South Africa
- As featured in:
As featured in:
- Why Should British Travellers Consider Travel Insurance for South Africa?
- Air Doctor: When You Need a Doctor, But Not a Hospital
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- 5 Key Safety & Travel Tips for UK Travellers in South Africa
From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.
Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.
Why Should British Travellers Consider Travel Insurance for South Africa?
While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.
Our Standard and Explorer plans can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
- Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
- Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
- Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
- Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Air Doctor: When You Need a Doctor, But Not a Hospital
A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.
With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.
Ready to explore the wild plains of Africa? Grab your travel insurance quote here.
Annual Multi-Trip (AMT) Policy
If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.
A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:
- Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
- Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
- Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
- Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
- Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!
5 Key Safety & Travel Tips for UK Travellers in South Africa
- Stay street-smart in cities: Petty crime is common, especially in Cape Town and Johannesburg. Avoid flashing valuables, use ATMs inside banks or malls, and take Uber or Bolt instead of street taxis - especially at night.
- Keep your car doors locked: Whether self-driving or in a taxi, keep windows up and doors locked, particularly at traffic lights. Carjackings can happen, so stay alert and avoid stopping in isolated areas.
- Tap water? It depends. It’s generally safe in major cities but stick to bottled or filtered water in rural areas. Avoid ice cubes in smaller towns and be mindful when brushing your teeth.
- Don’t be that tourist: Self-driving through Kruger? Stay in your vehicle when on safari tours. Tempted to feed a monkey for a photo? Don’t - those little guy’s bite. Wildlife is unpredictable, and you’re in their territory.
- Know the common scams: Watch out for fake "helpful locals" at ATMs, taxi drivers claiming your hotel is “fully booked,” and overpriced souvenir shops where guides get a kickback. Trust your instincts and book activities through reputable sources.
Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!
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?
- Been made redundant?
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
- Luggage lost?
- Passport pilfered?
- Tech trashed?
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
