Travel Insurance for South America
From trekking the Peruvian Andes to diving off the Galapagos Islands, learn how travel insurance for South America could help Canadians
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- Do I need travel insurance for South America?
- Travel insurance for activities in South America
- Travel insurance for medical emergencies in South America
- Travel insurance for lost bags in South America
- Travel insurance for stolen items in South America
- Travel insurance for cancelled, interrupted, or delayed trips to South America
- Tips for Canadians travelling to South America
Whether you want to stand in awe of the stunning Hill of Seven Colors in Purmamarca, adventure into the depths of the Amazon Rainforest, or salsa all night in Cali, South America is a continent of so many thrills. City, culture, and nature travelers alike can relish the offerings of this mesmerizing continent.
While a trip to South America is an amazing experience, there are some things to be aware of when you’re visiting from Canada. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels, and we encourage you to explore travel insurance plans for South America.
Do I need travel insurance for South America?
International travel can bring all kinds of unexpected surprises - like the hidden petroglyphs that you can find in the Atacama Desert.
Some surprises are not as great though. Nobody wants to think about things like cancelled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you twist your ankle, fall, and get hurt while doing the El Choro trek in Bolivia, you may then wish that you had travel insurance for South America.
Travel insurance provides coverage for some of the sudden, unexpected and unforeseeable circumstances you may experience while on your trip. World Nomads offers two plans, the Standard plan and the Explorer plan, to choose from and provides cover designed for different types of travellers and adventures.
Travel insurance for activities in South America
Famed for adventures like hiking the Inca Trail to Machu Picchu and sandboarding in Atacama Desert, South America offers many thrills for the intrepid traveller. World Nomads covers more than 250 activities for Canadians travelling to South America and includes things like rafting the Rio Futaleufu in Chile, kayaking in the Amazon, surfing in Mancora, Peru, and rock climbing in Patagonia.
It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.
Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both of our Standard and Explorer Plans. To have coverage for adventures sports, work, and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium. Note: Special conditions and exclusions apply to certain sports and activities. For the full policy terms and conditions please review the policy wording.
Travel insurance for medical emergencies in South America
Many popular destinations are at high altitudes including the Salar de Uyuni salt flats in Bolivia and Lake Titicaca. It’s no fun to be experiencing altitude sickness while you’re hiking in the Andes or exploring the markets of Cusco. Take some time to get acclimated to the new heights and stay hydrated—this means drinking plenty of water and avoiding alcohol, as tempting as it might be to have that second Pisco Sour.
Accidents can happen to anyone. Maybe you’re hiking across Perito Moreno Glacier in Patagonia when you slip, fall, and injure yourself. Your travel insurance for South America can help you out.
If you have a medical emergency when travelling to South America, you can call the 24/7 Emergency Assistance Team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.
If your attending physician and the 24/7 emergency assistance team determine that it’s best for you to go home to Canada to get medical care, the repatriation coverage that is included in your travel insurance for South America may cover the costs to get you there.
Travel insurance for lost bags in South America
What happens if you land in Cartagena, Colombia and your bag never arrives? If you were planning on doing the Ciudad Perdida Teyuna– the Lost City Hike—, you probably packed your hiking boots. Your insurance for South America may help you be reimbursed for your trekking gear. The other belongings in your lost checked bag may be covered as well (up to plan limits, conditions and exclusions apply).
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens for 12 consecutive hours or more, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited by your airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you file a lost luggage claim.
The obelisk on Ave 9 de Julio in Buenos Aires, Argentina. Photo credit: Getty Images / Andrew Peacock
Travel insurance for stolen items in South America
Theft is something to watch out for when you travel to South America- especially in crowded touristy areas or busy cities like Sao Paolo or Bogota. Be aware of your surroundings and avoid putting anything valuable in your back pockets. You may also want to carry handbags across your body, and wear backpacks on your front.
Keep an eye on your bags at bus terminals, train stations, and airports. We’ve heard about organized scams where a visitor gets sprayed with something and then a “good Samaritan” points it out and offers to help. It’s really a ploy to divert your attention while someone else comes up and steals your belongings.
If anything does happen, make sure you make a police report. You’ll need that to make a claim for those stolen goods.
It’s important that you do your part to keep your belongings safe as well. If your purse gets stolen while having a few too many drinks during a wild night out in Buenos Aires, your World Nomads travel insurance may not cover your loss.
Travel insurance for cancelled, interrupted, or delayed trips to South America
Even if you have the perfect getaway planned, unexpected situations happen that can derail your plans.
What happens if you get sick a few days before leaving for South America? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for South America that includes cancellation coverage may reimburse you for those unused, non-refundable flights, hotels, and activities you paid for in advance.
If you’re already on your trip, and something happens to delay or interrupt your vacation, your World Nomads travel insurance may provide reimbursement if your trip was delayed or interrupted by one of the covered reasons under your policy.
Tips for Canadians travelling to South America
Before you head south for your grand adventure, we encourage you to check out the Canadian government’s travel warnings for each country you plan to visit. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for South America, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your phone so you don’t have to search for that if an emergency happens.
There are so many great tours that Canadian visitors can book in South America. When you’re researching options, try to find an eco-friendly tour operator. With the vast amount of untouched natural land and waterways in South America, it’s up to us nomads to do our part to protect it for years to come.
Before you take off, brush up on a few key Spanish phrases—and Portuguese if you’re heading to Brazil! You may also want to read up on some cultural do’s and don’ts, like insider etiquette tips for Argentina and check out our regional guides like this first-timer’s guide to Salvador, Brazil.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- 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 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 150+ Adventure Sports and Activities
Travel insurance designed for adventures while travelling.
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As featured in:
Whether you’re planning on going to Brazil, Spain, Thailand or the USA, make sure you’re prepared for any adventure activities you plan to do while abroad. Our plans offer coverage for more than 150 adventure sports and activities, from hiking, snowboarding, scuba diving, hot-air ballooning, skiing, and more. Before you go, be sure you understand the sports cover that is included with your selected World Nomads travel insurance policy, check your itinerary and the weather, and bring the correct gear to ensure you have a safe experience.
- What adventure sports activities are covered by travel insurance?
- What benefits are available for adventure activities?
- What’s not covered?
- FAQs
- Can I extend my policy?
What adventure sports activities are covered by travel insurance?
During your trip, you may want to try activities and sports that aren’t commonly done in Canada. You are automatically covered to participate in various activities under both the Standard Plan and Explorer Plan, however you must add any adventure, sports, work or volunteer activities that you think you’ll be doing while on your trip, at the time you purchase your policy, to make sure you are covered. Check the selected policy before you complete your purchase for the selected limits, as an upgrade for certain sports may be required and terms and conditions, limitations and exclusions apply.
As long as the activity is listed on your policy, if something goes wrong, your coverage may include benefits for:
World Nomads provides travel insurance for more than 150 activities, sports and experiences but it doesn’t cover everything so don’t assume every activity is included and covered.
If you’re planning on doing a specific sport or activity that isn’t listed as Level 1, then you may need to upgrade your policy. Sports and activities listed as Level 2 or Level 3 require an upgrade and an additional premium. Upgrades must be purchased when you buy your policy. Some activities have special conditions and special exclusions. You can contact us if you have any questions around coverage for any activities you plan to do.
What benefits are available for adventure activities?
World Nomads plans offer a variety of benefits that can help when doing adventure sports while overseas, and your coverage benefit limit will vary depending on whether you choose our Standard Plan or our Explorer plan. Read your policy for details on terms and conditions, maximum benefit limits, and any exclusions:
Emergency medical expenses while outside Canada: Our plans offer cover for expenses incurred resulting from injury, sickness or death while on your trip. If at any time during your holiday, you or any of your traveling companions become sick or injured, you’ll need to contact our 24/7 Emergency Assistance team as soon as possible. Our team can assist to locate the nearest hospital or medical facility and may transport you back to Canada if a treating doctor determines this to be medically necessary.
Trip cancellation: If you must cancel your trip due to a covered risk, we cover up to the maximum limit under the policy for your non-refundable prepaid trip costs of your unused travel arrangements. For example, if you or any of your travel companions get sick or injured and you need to cancel your holiday, we may cover prepaid and non-refundable expenses. Please note that you’ll need to submit documents when filing a trip cancellation claim for a covered reason. Depending on your case, you'll need copies of:
- Receipts
- Itineraries
- Doctors/death certificates
- Medical history
- Written documentation from your travel provider outlining any refund you received and their cancellation penalties
Coverage for baggage and personal belongings: The policy provides coverage if your baggage or personal belongings becomes lost or damaged by your Common Carrier or stolen. You’ll need to have receipts, along with reports from the authorities or an incident report from your airline or other carrier (if your belongings were lost in transit) in order to submit a claim.
What’s not covered?
Here are some examples of what is not covered under our plans. Please refer to your policy for the complete list:
- Pre-existing medical conditions (Please refer to the Exclusions for Emergency Medical and Dental Coverage section of the policy wording for more information on coverage for pre-existing medical conditions).
- If you do not use a professional qualified and licensed guide or operator where required.
- Any search or rescue operations to find or rescue you from a life-threatening situation.
- If you refuse to be repatriated or evacuated.
- Damage to any sports or activity equipment while in use.
- Unattended baggage or personal items.
- If you participate in any sport or engage in any activity on a professional basis.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
FAQs
What questions should I ask when choosing a plan?
When purchasing your travel insurance policy you may be tempted to take the most cost-effective option without reading the policy first. Whilst reading the policy document can be a time-consuming task, it’s best to familiarize yourself with all the benefits, policy limits and exclusions before you buy your policy.
World Nomads offer two travel insurance plans, the Standard Plan and the Explorer Plan. Both plans offer levels of protection for many of the same types of risks and offer cover for, hospitalization, repatriation, lost, stolen or damaged baggage, and other unexpected costs.
However, the Explorer Plan offers higher policy benefit limits. For example, the Standard Plan offers a maximum benefit limit for emergency medical expenses of $5M, whereas the Explorer Plan offers a maximum benefit limit of $10M.
When choosing which policy is best matched to your needs you should ask yourself:
- How much trip cancellation coverage do I need? (Our Standard Plan covers a maximum limit of $2,500 and our Explorer Plan covers a maximum limit of $5,000)
- How much emergency medical coverage do I need?
- What kind of activities will I be doing on holiday?
- What activities is my travel party planning?
- What coverage do the two different plans offer for these activities?
- What exclusions might apply?
Note: choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Can I buy travel insurance? I’ve already started traveling.
If you forgot to buy travel insurance before you left home, you can still purchase while you’re travelling. Note that a waiting period may apply for some benefits.
Can I extend my policy?
Your policy may be extended up to a maximum 12 months (365 days) from your original policy start date. To qualify and apply for a policy extension:
- You must not have made a claim, or have a reason to claim, on your original policy.
- The request for an extension must be made through, and approved by, World Nomads prior to your original scheduled return date.
You may qualify for a policy extension if you have sought emergency medical treatment or filed a claim for emergency medical treatment prior to extending your trip, however any subsequent medical treatment related to your emergency will not be covered under the extension of coverage.
You must have been eligible for the insurance that you seek to extend at the time of your original booking of your trip and at the time of the request for the extension.
Please note that:
- Policy extensions are not eligible to be refunded.
- The 10-day ‘Right to Examine’ period does not apply.
If you are travelling and want to extend your trip, you can purchase a policy extension by logging into your World Nomads membership account. Select your current policy and follow the prompts to extend your policy.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel insurance for water sports and activities
What to know when getting your adrenaline rush in and around the water
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As featured in:
Making the most of stand-up paddle-boarding SUP in Asia, a casual reef snorkeling experience in Hawaii, or maybe you want to dial up the adrenaline and go parasailing in Canada.
As fun as they sound, water sports activities aren’t always smooth sailing. World Nomads travel insurance can help you keep your head above water if the unexpected occurs.
- What does World Nomads travel insurance cover?
- What types of water activities and sports are covered?
- Different levels of cover and optional extras
- What's not covered
- Tips for your water activity and sports trip
What does World Nomads travel insurance cover?
As a team of professional travel tragics ourselves, we know how important it is to cover yourself against the unexpected. Medical costs in overseas hospitals can be exorbitant, and that’s just the tip of the iceberg.
Depending on your Country of Residence and your selected plan, travel insurance may help if:
- You’re injured and need medical transport or evacuation home.
- You want cover for your bags and valuables in case they’re lost, stolen or damaged. Keep the paperwork and receipts for your gear.
- You need to cancel yout rip or your trip is unexpectedly delayed.
- You’ve already left home and need to buy travel insurance.
- You want cover for some Coronavirus-related events.
- You need cover for overseas medical expenses and hospitalization costs.
- You’re looking for cover for adventure sports, activities, and experiences.
Your coverage will vary according to your country of residence and whether you choose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage.
What types of water activities and sports are covered?
Whether you want to be in, on or under the water, having insurance as a safety net can be a good idea. These are just some of the many water sports covered under our plans:
- Wakeboarding
- Kiteboarding
- Windsurfing
- Boating (inland and coastal waters)
- Parasailing
- SUP
- Rowing/sculling
- Jet skiing
- Water skiing
- Tubing
and many more activities, sports and experiences…
*All plans are different and may require an upgrade for some water activities and sports. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or water sport option for your trip.
Differents levels of cover and optional extras
With cover for more than 200 activities, sports and experiences, our team of travel experts are all about supporting you as you venture into the global depths.
When considering the specific water or non-water related activities, it’s vital that you decide on what you’ll be doing before going overseas. You cannot add sports or activities after purchasing a policy.
World Nomads has several Level 1 activities, sports and experiences which you’ll be covered for automatically and are usually lower risk activities. For example, snorkeling, parasailing (over water only), water skiing and whitewater rafting are automatically covered under both Standard and Explorer plans.
You may want to push some boundaries and add some more intense activities and sports that are categorised as Level 2 or above. For example, parasailing, deep sea fishing, and water skiing (barefoot) require an additional premium under either plan. The Explorer Plan covers you for higher risk activities and sports and will cost you an additional premium.
Travel insurance tip: World Nomads provides travel insurance for more than 200 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
When choosing World Nomads, you’ll have access to two simple and flexible plans – Standard and Explorer. Both plans have several coverage options and optional extras. We offer cover (up to the policy limits) for:
- Overseas medical expenses: whether you’re in a raft traveling at break-neck speed or gliding along behind a boat on skis, if you’re new to these activities, the wobbles are a given. It only takes one fall or jolt to see you wind up with a jarred back, neck or a twisted ankle. Emergency medical bills can ruin your holiday, that’s where insurance comes in.
- 24-hour Emergency assistance: if you’re in a remote area and find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Assistance. Our staff can assist you all the way from needing directions to a medical facility, helping with multi-lingual services, to urgent medical evacuation off a mountain.
- Unexpected weather conditions may interrupt/delay your plans: crazy weather such as tornadoes or cyclones, huge swells, and in some cases tsunami warnings, can delay flights and force operators to cancel pre-booked activities. Our plans may cover unexpected conditions, including natural disasters, trip cancellation and delays.
Whichever plan you go with, you agree to take reasonable care and not put yourself at needless risk while participating in these adventure sports. You must follow any local government or health authority warning or advice.
What's not covered?
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Participation in a water sports competition as a professional athlete
- Sporting equipment damaged from use
- Search-and-rescue mission
- If you travel against medical advice or neglect to adhere to government warnings
- Any adventure activities or sports that aren’t covered by our policies
- Any existing medical conditions, except as may be noted in the policy wording
- Any claims resulting from the violation of local laws
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent or criminal acts.
Tips for your water activity and sports sports trip
- Cover for stolen baggage and sports gear: travel insurance may be able to help if your water sports equipment is damaged or lost in transit. Note: it won’t be able to help if you break something while you’re using it, like your SUP paddle breaks, as exclusions apply to sports equipment in use.
- Monitor weather conditions and consider your fitness: you may want to reconsider your plans for a water-based holiday if you’re traveling to an island nation during the least optimal season weather-wise. You also need to ensure you are fit enough to take on any water-related activities or sports that you plan on doing. There’s no point signing up for cage-diving for instance if you’re prone to panicking or aren’t a proficient swimmer.
- Ensure your activity operators are certified and/or accredited – you should make sure that any activity you do is covered by the appropriate body or you must have the right experience level and accreditation. For example, if you’re scuba diving you must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant association, club or confederation rules and guidelines at all times. Or you must only dive under the constant supervision of a properly licensed diving instructor.
- Do your research regarding vaccinations and entry requirements: if you’re going somewhere remote, ensure you’re up to date with your vaccinations and have taken preventative measures for exotic diseases like malaria, as required by the World Health Organization. Some destinations require proof of these on arrival. Remain up to date with global health warnings by monitoring int and follow the advice of your government.
- Cover for Coronavirus-related events: we offer cover for some Coronavirus-related events that may assist if your trip is derailed by COVID-19. To find out more, read our What’s Covered for Coronavirus article, which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
This is only a summary of cover 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.
True Claims Stories
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 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?
- Airline lost your gear?
- 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 when visiting Great Britain
What to know when planning your British getaway.
- As featured in:
As featured in:
If you’re planning a holiday to Great Britain - home to our British royals, historic castles, sprawling country-sides and Shakespearian folklore settings, you may want to consider travel insurance, so that you can enjoy your British adventure.
Your World Nomads’ policy includes coverage for:
- Lost, damaged or stolen baggage coverage
- Delayed baggage
- Overseas emergency medical coverage
- Coverage for activities and sports when in Great Britain
What should you look out for when travelling to Great Britain?
Lost or stolen or damaged baggage cover
It can be upsetting to touch down at Heathrow airport and find your baggage isn’t on the carousel when you arrive. There’s also the chance that your sporting gear could get stolen on public transport or from your hotel. This is where World Nomads Travel Insurance may help ease the pain and may provide coverage (up to the policy limits) for loss, theft or damage to baggage or personal items if your specific situation falls within the covered risks insured by the policy.
What to do if your bags are stolen or damaged: if your bags have been stolen or damaged you’ll need to file a report with your airline or travel carrier, tour operator, or lodging provider. In the case of a theft, you’ll need to report it to the local police or relevant authority. Be sure to obtain a copy of the policy report, written reports, luggage receipts, travel documents and all correspondence with the carrier or service provider. Insurance won’t cover things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). So, if you left your backpack on a tour bus while visiting Stonehenge that’s a loss you most likely won’t be reimbursed for.
You may also need to take depreciation into account, so read your policy to understand how depreciation will affect your claims.
Delayed baggage
You may be covered for the replacement of necessary personal effects if your bags were lost in transit to Great Britain. There is a waiting period of 12 hours before your benefits begin. Your plan may cover the cost of toiletries, and some basic clothing until you are reunited with your luggage.
What to do if your bags are delayed: You’ll need to report the incident and file a claim directly with the air carrier first. Do your best to get copies of all receipts, written reports, luggage receipts, travel documents and all correspondence with the carrier or service providers. If needed, you can make a claim.
Travel insurance tip 1: Don’t leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices, valuables, travel documents, cash and credit cards with you at all times. Remember that if you buy anything, before or during your trip, keep all receipts.
Overseas emergency medical coverage
It’s important to know that Canada and the UK do not have reciprocal healthcare agreements. You may want to consider travel insurance for overseas emergency medical emergencies before you enter the UK. If you’re injured in an accident or suddenly get sick while travelling, and you've bought a policy for the activities you're doing, you may be covered for emergency medical treatment including:
- Direction to the closest appropriate care
- Hospitalization
- Out-patient treatment for medical emergencies
- Prescribed medicines, X-rays, and laboratory tests
- Being brought home if medically necessary
You must contact us before seeking medical attention, emergency evacuation or repatriation. If your situation is life-threatening, seek medical help immediately and call us as soon as medically possible or have someone contact us on your behalf.
Your policy may also be able to help with these travel related issues
- Trip cancellation: You may recover non-refundable, pre-paid holiday costs should you need to cancel your trip due to a covered reasons such as a confirmed and documented diagnosis of sickness, as certified by a doctor, before your departure.
- Trip interruption: During your holiday, you might have to return home early because of sudden or unforeseen events affecting you, a travel companion, or an immediate family member. With trip interruption coverage, you may be eligible for reimbursement for a one-way, economy-fare ticket home to Canada and any pre-paid, unused portions of your trip that you would forfeit due to a covered reason. Please refer to the Trip Interruption section of your policy for more information.
Travel insurance tip 2: In some parts of the UK (including Wales, Scotland and Northern Ireland) the local inhabitants may speak in Gaelic, Welsh or Irish language. In the event you suffer a medical emergency, our 24/7 assistance team can provide assistance with corresponding with hospital staff when you don’t speak the local language.
Coverage for activities and sports when in Great Britain
If you’re thinking of trekking or hiking in remote parts of the UK like Pembrokeshire in Wales’ southwest, or kitesurfing in Troon, on the west coast of Scotland, World Nomads may provide you with the coverage you need for your adventure activities. World Nomads offers travel insurance coverage for more than 150 activities and sports. Carefully examine your policy documents to make sure your planned activities are included. If the adventure sport isn’t listed, you may need to upgrade your policy to ensure you’re covered for everything you plan to do. All adventure, sports, work or volunteer activities must be added when you purchase your policy. If you have any questions our customer service team can also assist you.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- 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
- 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)
True Claims Stories
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 the United Kingdom
Discover how travel insurance for US residents traveling to the UK may cover medical emergencies, lost baggage, cancelations, and plenty of thrilling activities.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- Do I need travel insurance for the United Kingdom?
- Travel insurance for activities in the United Kingdom
- Travel insurance for medical emergencies in the United Kingdom
- Travel insurance for lost and stolen bags in the United Kingdom
- Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
- Tips for traveling to the United Kingdom from the US
- Tips for traveling to Japan from the United States
Famed for its high tea and theater (hello, Shakespeare!), historic cities like Edinburgh and Bath, edgy nightlife in East London, idyllic countryside, and the remote, rugged islands of Scotland like the dreamy Isle of Skye, the United Kingdom draws millions of Americans every year.
You can taste smoky whisky across Scotland’s Speyside, pub hop in Manchester, relax in a stone cottage in the Cotswolds, celebrate at Notting Hill Carnival in West London, and amble through castles and along coasts in Wales.
While a trip to the United Kingdom is an amazing experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels, and we encourage you to look into travel insurance* to protect your adventures to the United Kingdom.
Do I need travel insurance for the United Kingdom?
International travel can bring all kinds of unexpected surprises - like stumbling across centuries-old ruins along the Scottish coast.
Some surprises are not as great though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you fall and injure yourself while hiking in Cairngorms National Park, you may then wish that you had travel insurance for the United Kingdom.
World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in the United Kingdom
You may be planning some hikes in West Midlands or hoping to catch some waves in Cornwall. The United Kingdom is filled with all sorts of adventures such as stargazing in Northumberland International Dark Sky Park. World Nomads covers more than 250 activities for Americans traveling to the United Kingdom and includes things like surfing, camping, and hiking.
Before you get a quote for your travel insurance for the United Kingdom, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.
For example, rock climbing in the Peak District is covered under all World Nomads insurance plans. Kayaking, windsurfing, and paddle boarding in the Lake District, among other water sports, are covered as well. If you’re planning to cliff jump in scenic Port Gaverne off the coast of North Cornwall, though, you’ll need to upgrade from the Standard Plan and purchase the Explorer or Epic Plan.
Travel insurance for medical emergencies in the United Kingdom
While the United Kingdom doesn’t have as high as peaks as some other destinations, accidents can still happen. You might be trying to ascend Snowdonia—a popular climbing area in Wales—and slip and fall. If you need to seek emergency medical attention, your travel insurance for the United Kingdom may help you get the care you need.
If you have a medical emergency when traveling to the United Kingdom, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. In general, the United Kingdom has reliable health care, and your World Nomads travel insurance can help you navigate the system.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for the United Kingdom may cover the costs to get you there.
To streamline your experience seeking medical treatment in the United Kingdom we recommend signing up for FootprintID before your trip. This non-insurance service is a portable personal health record where your documents, prescriptions, test results, and emergency contacts are accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.
Travel insurance for lost and stolen bags in the United Kingdom
Nobody plans for lost bags, but it happens. If you’re planning to climb Ben Nevis, the UK’s highest peak, you probably packed your new pair of hiking boots. If you get to Glasgow and realize that your bag hasn’t arrived, your travel insurance for the United Kingdom may reimburse you for the cost to replace your hiking boots and other belongings.
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim.
Generally, the United Kingdom is a safe destination. Pickpockets can happen occasionally, though, especially in larger cities. You’ll especially want to be careful with public transportation like the Tube in London, which can get super crowded. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for United Kingdom.
You’ll need to do your part in keeping your belongings safe as well. If you have a few too many pints of Guinness during a pub crawl in Belfast and lose your wallet, World Nomads travel insurance won’t cover your loss.
Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
Even if you have the perfect getaway planned, things happen that can cancel, interrupt, or delay your trip. Before you get a quote, make sure your insurance plan for the United Kingdom covers trip cancelation and interruptions so you can be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.
Sometimes unexpected situations happen that can derail your plans. What happens if you get sick a few days before leaving for the UK? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for the United Kingdom that includes cancelation coverage may reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
With the Explorer or Epic Plan, several travel inconveniences are covered as well. For instance, if you’re on a road trip through the colorful villages and wild coast of Northern Ireland and your rental car breaks down, causing you to be at least 12 hours late to your scheduled destination or return destination, you may be reimbursed for covered expenses incurred.
Tips for traveling to the United Kingdom from the US
Although the UK is typically a safe country, we encourage you to check out the US government’s safety warnings for the United Kingdom before you leave for your trip. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for the United Kingdom, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Not exactly known for its sunny skies, the weather in the UK can change at the drop of a hat. Come prepared for rain, sun, and chilly, windy days. While a change in weather might just mean ducking into a cozy pub if you’re wandering around London, be careful with weather in Wales, Scotland, and other coastal and mountainous regions. Weather can change without notice, which can create dangerous conditions if you’re on a slippery peak or windy cliff.
Consider exploring the United Kingdom by train! The region is well-connected by short- and long-distance routes. Train travel is a fun way to slow down and reduce your carbon footprint, while watching the green pastures of farms and forests flicker by.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.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
- 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)
True Claims Stories
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 250+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What adventure sports and outdoor activities does travel insurance cover?
- What will I be covered for if something goes wrong on my trip?
- Questions to ask when choosing a plan
- What’s not covered?
Whether you’re going rafting in Costa Rica, doing a multi-day hike in Iceland, or taking on the epic bike trails of New Zealand, the more you do to prepare for your adventure ahead of departure, the more enjoyable your trip is likely to be. Learning as much as you can about your route and packing the right gear is essential to have the best possible chance of having a safe, comfortable experience – especially if you’re planning something extreme like a cold-weather camping trip.
Travel insurance* is a smart move no matter what you plan to get up to, but it’s especially important if getting active outdoors is big on your itinerary. Our plans offer coverage for more than 250 adventure sports and activities ranging from hiking and snowboarding to scuba diving, rock climbing, and more.
Be sure to check your plan because your level of activity and sports coverage is subject to terms and conditions, limitations and exclusions.
What adventure sports and outdoor activities does travel insurance cover?
The sweet anticipation of adventure can be intoxicating, but there are some practical tasks to check off before you get too excited. Before purchasing your travel insurance plan, it’s important to ensure that all the sports and activities you intend to do are covered.
All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences, and the Explorer and Epic Plans cover even more than that. The Explorer and Epic Plans offer coverage for more adventurous activities as well, like high altitude hiking or cliff diving. It's important that you know all the activities you may want to do before picking a plan and then making sure your level of protection covers all possible scenarios on your trip. If your plans include hiking, look up the elevations of the highest mountain you plan to climb and then purchase the plan that will cover that. You can contact us if you have questions. We can assist you with making sure you're covered for the activities you plan to do.
Oh, and if you forgot to buy travel insurance before you left home, rest assured that you can still purchase while you’re traveling. Note that a waiting period may apply for some benefits.
What will I be covered for if something goes wrong on my trip?
Once you know your chosen activities are covered, here are some of the benefits that may be available to you (up to benefit limits) if your plans are derailed:
Emergency medical and evacuation: If during your trip, you or your traveling companion becomes sick or injured, then you’ll need to contact the 24/7 Emergency Assistance team as soon as possible. The team may be able to help locate the nearest suitable medical facility or even help get you back to your home to the US if your attending physician and the 24/7 Emergency Assistance Team deems this to be medically necessary.
Trip cancellation: If you, your traveling companion or immediate family member gets sick or injured and you need to cancel your plans, we may cover prepaid and non-refundable travel expenses up to the plan limits. You’ll need to submit documentation when filing a trip cancellation claim for a covered reason listed in your plan.
Our single-trip and annual travel insurance plans all include trip cancellation coverage. Our Epic and Explorer plans also offer the optional ‘cancel for any reason’ benefit. When you get a quote, you can compare the plans side-by-side to determine which one might be right for you.
Coverage for extended stays: if you’re having a great time on your trip and choose to delay your return to the US, you may easily buy a new plan online that will cover the remainder of your trip. You can manage your plans on our member portal, which you will have access to once you purchase a plan.
Coverage for baggage and personal belongings: if your checked baggage has been delayed or lost by the airline, our non-insurance service Blue Ribbon Bags may be able to track and expedite its return so you can get on with your travels. The service covers every flight on every airline anywhere in the world, and you’ll be updated every step of the way. Simply report your delayed or lost airline bags and Blue Ribbon Bags will take it from there.
If your baggage or personal items can’t be located, or they’ve been damaged or stolen, you’ll need to submit receipts, along with police reports or an incident report from your carrier (if your belongings were lost in transit). Your coverage will vary according to your insurance plan. Read your plan for details on terms and conditions, maximum benefit limits, and exclusions of your coverage.
Travel inconvenience: not everything is predictable when you’re on the road, but if you’ve purchased an Explorer and Epic travel insurance plan, you may be covered for many of the hiccups you could encounter. If, for example, you’ve booked a ski or snowboarding trip but the resort facilities are closed during the time you are there, you may be eligible for $250 compensation. Travel inconvenience could also cover expenses related to tarmac delays, rental car breakdowns, cruise diversions and more. There is a time-sensitive period related to this benefit, so be sure to purchase your insurance plan within seven days of making the first payment or deposit towards your trip to be eligible.
Questions to ask when choosing a plan
It may be tempting to consider the cheapest coverage option without reading the plan wording. However, you’ll want to pick the best plan for your trip. A weekend camping trip in a neighboring state will warrant different coverage than a month-long trek through Asia. Although reading the plan documents can be a tedious task, it’s best to familiarize yourself with all the benefits, limits and exclusions before you buy.
When deciding which plan is best matched to your adventures you might want to ask yourself:
- What kind of activities will I be doing on vacation?
- What activities are my travel companions planning?
- What coverage do the different plans offer for these activities?
- What exclusions might apply?
Note: please choose your plan carefully as you can’t upgrade from a Standard plan to an Explorer or Epic plan mid-trip.
What’s not covered?
Here are some examples of what is not covered under our plans. Please refer to your policy for the complete list.
- Any medical bills related to a pre-existing condition, unless you purchased the Explorer or Epic Plan during the time-sensitive period were medically able to travel at the time of purchase.
- If you do not use a professional qualified and licensed guide or operator where required.
- Damage to any sports or activity equipment while in use.
- Unattended baggage or personal items.
- You’re behaving in a reckless manner, or your actions are in breach of the local laws.
- If you participate in any sport on a professional basis (you are getting paid as a professional athlete).
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 teamAdventure awaits
Be prepared with simple and flexible trip insurance for international travel.
- As featured in:
As featured in:
Travel Insurance
Travel insurance for independent travelers and intrepid families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.
A true claim story
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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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
