Horseback Riding Travel Insurance Coverage
US Residents can protect their adventures on horseback
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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.
- Why should I consider travel insurance for my horseback riding trip?
- Horseback riding travel insurance benefits
- Plan levels for horseback riding trips
- What's not covered
- Top safety tips we recommend for your horseback riding trip
- FAQs
Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my horseback riding trip?
From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain.
Horseback riding travel insurance benefits and non-insurance services: What may be covered?
As equestrians ourselves, we’ve designed our plans to cover horseback riding while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a horseback riding accident -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off a horse -
Baggage & Gear Coverage
Damaged or stolen riding gear -
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.
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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
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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.
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What types of incidents may be covered while horseback riding abroad?
If your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), 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 may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a horseback riding tour, you’ll need to buy your insurance at least the day before you need coverage.
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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.
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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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping could all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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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.
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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.
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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)
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
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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
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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.
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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.
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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
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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.
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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
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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.
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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 Cruises
Travel insurance may help Canadians protect their cruise vacations to destinations like the Caribbean, Alaska, Europe, Antarctica and more
- As featured in:
As featured in:
At a glance
- Cruise with confidence: All World Nomads Travel Insurance plans cover cruises, with some plans that offer more benefits and higher limits of coverage
- From tropical waters to polar seas: Coverage may apply to cruises visiting a variety of locations – including the Caribbean, Alaska, Europe and even Antarctica
- Adventure onboard and ashore: You may be covered for more than 250+ activities that you participate in onboard your ship or during shore excursions
- Well-rounded cruise protection: Benefits may include trip cancellation, emergency medical expenses, emergency medical evacuation, baggage protection and more
- Extra protection when plans change: You may have access to additional benefits if your cruise doesn’t stop at a scheduled port of call for a covered reason (available on the Epic, Explorer, and Annual Multi-Trip plans)
- Why should you consider travel insurance for cruises?
- What’s Covered for Cruises
- Exclusions
- Maximum Limits
- Cruising Tips
- FAQs
Why should you consider travel insurance for cruises?
There are plenty of exciting opportunities for Canadian residents hoping to vacation on the high seas. According to recent data, Caribbean cruises are the most popular, making up 43% of all cruise passengers. However, you could also take a river cruise through the wine regions in France or cruise to remote destinations like Antarctica.
Hopefully your cruise will be smooth sailing, but there’s always the possibility of unexpected surprises that you can’t plan for. What if there’s an unexpected hurricane that prevents your ship from sailing? Nobody wants to think about getting hurt or sick while on a cruise, but that happens, too. Because of the unanticipated situations that can arise when cruising, you may want to get a quote for travel insurance that includes cruises
What’s Covered for Cruises
- Unexpected Medical Emergencies
- Trip Cancellation
- Trip Delay
- Trip Interruption
- Natural Disasters
- Emergency Evacuation and Repatriation
- Lost, Stolen or Delayed Baggage
- 250+ Adventure Sports and Activities
- 24/7 Emergency Assistance
- Cruise Diversion and Disablement (included in the Explorer, Epic, and Annual Multi-Trip plans)
Exclusions
- Losing track of time while at a port of call and missing your boat
- Participation in activities that aren’t covered in your plan
- Injuries that happen while under the influence of drugs or alcohol
- Pre-existing medical conditions that are excluded in the policy
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Emergency Evacuation and Repatriation: Up to $250,000 Trip Cancellation: Up to $2,500 Travel Inconvenience (Including Cruise Diversion or Disablement): Not Available Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $10,000,000 Emergency Evacuation and Repatriation: Up to $750,000 Trip Cancellation: Up to $15,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $750 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Cruising Tips
As cruise travellers ourselves, we’ve learned a few things along the way during our time on the open seas. Before you set sail, we encourage you to get a quote for cruise travel insurance coverage. We also want to share a few of our other tips for having a great cruise.
- Arrive at your departure city at least a day before your cruise sets sail. While cruise travel insurance benefits could help with cancelled or delayed flights on your way to your departure port, your ship isn’t going to wait on you if you’re running behind. To avoid the possibility of your ship sailing away without you, try to arrive in your departure city with plenty of time to spare. You may even find some fun things to do there before your cruise.
- Book excursions before you leave home. If there’s a shore excursion that you have your heart set on, make sure you book it early. If you’ve been dreaming of whale watching in Juneau and wait too long to book it, you may be super bummed if you miss out. Excursions can sell out quickly and there may be limited options once you’re onboard.
- Take a carry-on bag. You’ll be boarding the ship before your luggage reaches your cabin, so take along a small bag that includes medication, phone chargers, and anything else you may need. If you’re planning to head straight to the pool, go ahead and throw your swimsuit and some sunscreen in your bag as well.
- Don’t assume that everything is included in the price of your cruise. Before your trip, review exactly what is included in your cruise package. Some cruises are all-inclusive, but many have drink packages or certain onboard activities that may cost extra. It’s best to know beforehand so you’re not surprised once you get onboard. Sometimes you can also save money if you purchase those packages ahead of time.
- Save the phone number and plan number for your travel insurance plan in your phone. It’s not a bad idea to have a printed copy of this in your cabin as well, but we know our phones rarely leave us. If something happens on the ship or at one of your ports of call, you’ll be able to easily contact us.
World Nomads offers single trip and annual multi-trip plans for Canadian residents that may include travel insurance for cruises to Antarctica. Cheaper isn’t always the best option, though, so do your research and pick the plan that is best for you. If you have any questions about what is covered, don’t hesitate to contact us.
FAQ
Here are our most frequently asked questions about cover for cruises. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
If cruise insurance is offered by my cruise line, should I buy that?
When you book your cruise, your cruise provider may offer you an opportunity to add cruise insurance at that time. It is important to consider protecting not just the investment of your cruise, though. Also think about all of the other components of your cruise travel vacation. The travel insurance offered by the cruise line may only provide coverage for the cruise itself, and not for any non-refundable prepaid flights and hotel accommodations you booked separately. Be sure to compare your coverage options.
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Do all World Nomads plans include cruise insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include benefits for cruises and may cover a variety of unplanned situations such as trip cancellation, emergency medical expenses, and more. Coverage and maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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Can I get ‘Cancel for Any Reason’ travel insurance for a cruise?
Yes, but the ‘Cancel for Any Reason’ travel insurance coverage isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate (up to maximum benefits as shown in your policy documents).
While trip cancellation benefits are included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents, you’ll only be able to make a claim if you cancel your cruise for covered reasons. Cancel for Any Reason covers any reason – even just changing your mind.
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What is the best travel insurance plan for cruises?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare our plans side by side. Consider how much money you’ve spent on your cruise, as well as the activities you’ll be participating in on the ship and shore excursions. You can then review all of the plans to determine which is the best for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
The ‘Cancel for Any Reason’ travel insurance coverage allows you to cancel for any reason (even just changing your mind), but it isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip, as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate (up to maximum benefits as shown in your policy documents).
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Can I buy cruise insurance when I’m already on my cruise?
Yes, most ships have Wi-Fi available, and you just need a good internet connection to purchase cruise insurance after you’ve already set sail. Just head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging on the pool deck.
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Are cruises to Antarctica covered by travel insurance?
World Nomads offers single and annual multi-trip plans for Canadian residents that include travel insurance benefits for cruises to Antarctica. Since that’s a large investment, pay attention to the length of your cruise (since the Annual plan has a per-trip limit of 14 days), and the levels of coverage available on each plan when you get a quote for travel insurance for your Antarctica cruise. If you have any questions about what is covered, don’t hesitate to contact us.
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What happens if my cruise doesn’t stop at all of the places on my itinerary?
If your cruise does not stop at a scheduled port of call due to inclement weather, a terrorist incident, a medical incident involving another passenger on the ship, or a natural disaster, you may receive a one-time payment for one occurrence of each unforeseen event (up to maximum benefits shown in your policy documents).
The trip inconvenience travel insurance benefit may also help if you are confined for more than 24 hours on the cruise ship operating without power, food, water, and/or restroom facilities.
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)
