The world of travel has changed, there is no doubt about that. Travelers are still interested in discovering new places. The appeal of busy hotels and big crowds has made way for vacations that involve immersion and intimacy.

Never before have we yearned for space and privacy on our own terms as we do now, which is why vacation rentals are coming into their own. But it’s unknown territory for many, that’s why you should consider World Nomads Travel Insurance, it can help you when the unexpected happens and let you focus on the good stuff.

• What's covered
• Why should I consider travel insurance?
• Travel insurance highlights
• What's not covered

What's covered?

World Nomads offers two plans – Standard and Explorer – each providing different levels of coverage depending on your Country of Residence and what level of cover you need. You can purchase your policy as soon as you know where you’re going and what the plans are, or if it’s all too hectic before you leave home, you can do it in transit. Our policies, include coverage for:

• Extended stays
• Emergency overseas medical
• Cancellation and interruption coverage
• Baggage and personal belongings
• Cover for more than 150 activities, sports and experiences
• Cover for some Coronavirus-related events (Explorer only)
• Rental vehicle insurance (Explorer only)
• Single, duo, or family plans

Why should I consider travel insurance?

While we don’t like to think about it, things can and do go wrong when we’re far from home, even for the most seasoned of travelers.

As with most vacation rentals, the primary renter will be expected to put down a deposit to secure the lease, travel insurance can help you keep that payment secure, and possibly recoup a refund should you be forced to cancel at the last-minute as a result of illness, or due to a natural disaster in the area.

Same goes if you are booked into a beachside rental that costs you a fortune and a day or two into a week-long stay you get a call from home to say your mother has taken ill and you need to return to your country of residence immediately.

Travel insurance tip: vacation rentals have various house rules about occupancy, minimum age requirements for the primary renter and so on. Do ensure you understand what you're agreeing to before booking to avoid potentially incurring any extra fees or losing your deposit.

Travel insurance highlights:

Of the two plans we offer, while there are plenty of similarities, the Explorer option provides additional cover for things like Rental Vehicle Excess, Covid-related events, personal accident and missed connection.

It’s up to you to choose the policy that best suits your needs, but it is worth noting once you have booked a Standard policy you can’t upgrade it.

• Cancellation of your trip - if there’s a family emergency during your trip, or before you set off you find out that as a health worker you are required to assist with a further outbreak of Covid-19 and have to cancel the trip, your policy may allow you to recoup any pre-paid, non-refundable costs. Your plan may be able to recover the unused, non-refundable expenses of cancelling your trip.
• Coverage for extended stays - so long as your policy hasn’t lapsed, you may opt to extend your cover at the cute little mountainside chalet you are enjoying so much. Your plan can be extended while still travelling for up to 12 months from your departure date (terms and conditions apply). We are happy to extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.
• Natural disasters - if the unexpected occurs and there is an earthquake or volcanic eruption in the area you are booked to stay in, and evacuation is necessary you may be able to claim for the loss of funds. Terms and conditions apply.
• Emergency medical and evacuation - seeking medical help can be an expensive exercise in countries that aren’t your own. If you need to see a doctor or are forced to go to hospital, we may be able to assist with some of the costs. You must call the 24-hour Emergency Assistance Team, before incurring any medical costs.
• Baggage and personal belongings - if someone breaks into your holiday house and steals your laptop or Go-Pro camera, insurance may assist you in recouping the cost of the equipment at the time of the theft. A copy of the police report is required when lodging your claim. You’ll need to submit receipts, police reports and witness details (if your belongings were stolen). Claims without any substantiating documents may not be approved. Baggage delays may also be covered, so long as delays are more than 24 hours.
• Cover for COVID-related events - both plans offer cover for emergency medical assistance if you get sick with COVID-19 overseas. Under the Explorer plan you may be able to claim against cancellation, trip interruption expenses and some quarantine costs if you are diagnosed with COVID-19. For all the terms, conditions, limitations and exclusions relating to our Covid cover, please read our Coronavirus cover article.
• Renting a car - aside from the insurance a rental company will require you to have, it’s handy to have rental car excess as a policy inclusion. Our Explorer plan provides you up to the value of USD$2000 and comes into play if your hire car is damaged, stolen or involved in an accident during the rental period. This cover does not replace the need to take out rental car insurance or a damage waiver (CDW). If you’re planning to drive you must hold the correct licence, adhere to local laws, and have the necessary vehicle insurance.

What's not covered?

Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered for. Some, but not all, of the events we don’t cover include:

• Pre-existing medical conditions as explained in your policy wording.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a US Department of State or your local government’s ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
• Illness associated with a failure to comply with preventative measures for the travel region, as outlined by the World Health Organization.
• Participation in a sport or activity not listed in the policy wording or where you haven’t paid the required additional premium.
• Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.

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.

Often knackered after a long day of sightseeing and can’t think of anything better than ditching the jandals and settling in for a sunset drink on your private terrace? If this sounds like you, a private holiday crib is likely more your speed than a crowded hotel.

Whether renting out a cabin in the woods or a beach house there’s always the chance that the unexpected could happen and that’s where World Nomads Travel Insurance comes in.

• Do I need travel insurance?
• What's covered?
• How can travel insurance help?
• What's covered by travel insurance
• What's not covered?

Do I need travel insurance?

Hopefully, the worst thing that happens when you’re staying at your cosy chalet in France is eating the free cheese and enjoying the wine too fast. But, if you find yourself in a pinch, travel coverage can save your sanity. When an emergency happens, it is as much a headache preventer as any dose of medicine. Think of good travel protection as having back-up on standby.

What's covered?

Booking hotels often seems so easy, but that’s just because it’s what we’re familiar with. As world travellers ourselves the team at World Nomads understands that steering toward a private rental may be a little nerve-wracking.

Following are just some of the things covered by World Nomads travel insurance. World Nomads offers coverage (up to the policy limits) for:

• Coverage for extended stays
• Emergency medical and evacuation
• 21 day cooling-off period to decide if the cover is right for you
• Baggage and personal belongings
• Activities cover for 150+ activities
• World Nomads’ Family Plans
• Coronavirus-related events

Travel insurance tip: holiday homes have various house rules about occupancy, minimum age requirements for the primary renter and so on. Do ensure you understand what you're agreeing to before booking to avoid potentially incurring any extra fees or losing your deposit.

How can travel insurance help?

Private holiday rentals differ greatly, not just when it comes to facilities and location, but also who you’re dealing with, what’s included and of course, what it will set you back financially.

World Nomads offers two plans – a Standard Plan and an Explorer Plan – each with different benefits, limits, and sub-limits of coverage.

Which policy you choose is up to you, but aside from any issues with your accommodation, the explorer plan can help if you’re planning on renting a vehicle or hiring sporting equipment; want to be covered for issues related to Coronavirus; and want reassurance that if you wind up in hospital you won’t be facing exorbitant out-of-pocket expenses.

What's covered by travel insurance?

• Cancellation of your trip - If you need to cancel your trip due to a family emergency or find up you’ve been called up for jury duty back home your policy may allow you to recoup any pre-paid, non-refundable costs. Depending on your plan, you may be able to recover your travel expenses.
• Coverage for extended stays - Sometimes we don’t anticipate just how much we’re going to love a place. If the chalet you booked in Canada is that good and you wish to extend your stay, then you may extend your travel insurance policy for a maximum of one year past the start date listed on your Certificate of Insurance. This must be done prior to the current expiration date of your policy. Terms and conditions apply.
• Natural disasters - It’s not something we like to think about, but if a natural disaster occurs in and around where you are staying and evacuation is necessary, you may be able to claim for the loss. Terms and conditions apply.
• Emergency overseas medical: Emergency medical coverage can help when you need urgent medical treatment. Get to a doctor for treatment and medication and you can submit a claim to recover the costs (up to your benefit limit). If you are forced to go to hospital, our policies can assist in covering some of the medical costs. You must give our 24/7 Emergency Team a call to ensure the proper processes are met.
• Baggage and personal belongings - If someone breaks into your holiday house and makes light work of your laptop or Go-Pro camera, insurance may help you recoup the cost of the equipment, but you need to file a police report and show proof of that when you lodge your claim.
• Activities cover - Whether renting in Corfu, Malibu or in the English countryside you may be enjoying activities like sailing, roller-blading and even hiking. We offer cover for more than 150 different activities, sports, and experiences. If your favourite sport or activity isn’t on the list get in touch with our Customer Assistance Teamand they will let you know if we cover it. An upgrade for certain activities and sports may be required, see the Policy Document for details.  

Travel insurance tip: make sure you do your research on the countries you’re looking to visit to ensure that there are no government warnings or restrictions. Your policy will be jeopardised if something goes wrong and you fail to adhere to the warnings. Find out more at Safe Travel NZ and keep updated on the World Health Organisation information regarding COVID-19.

What's not covered?

• Injury or illness arising from negligent or reckless behaviour.
• Costs related to damage caused to the rental property as a result of being under the influence of drugs or alcohol.
• Loss of enjoyment or deciding that you don’t like the rental location or offerings. If you have entered into an agreement, you cannot claim costs associated with shifting accommodation.
• Loss of goods if you leave the premises unlocked and return to find all your belongings missing.
• Unattended baggage or personal items, including any items left in a locked car overnight.
• Any existing medical conditions which are not listed as an automatically covered pre-existing medical condition as per your Policy Document. Check your Policy Document carefully.
• Costs associated with travelling to, planning to travel to, or choosing to remain in a country or region that is subject to the New Zealand government issuing a ‘Do Not Travel’ or ‘Avoid Essential Travel’ warning. Find out more at Safe Travel NZ.

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 Document 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.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

Most Aussies enjoy the creature comforts they’re afforded Down Under, so when it comes to travelling overseas many of us choose to bunk down in a holiday home rather than a run-of-the-mill hotel or resort. But sometimes booking from a private homeowner could add a layer of “What if?”. That’s where World Nomads Travel Insurance comes in.

Whether you’re renting a cabin in the woods in Alaska or have secured that fancy unit in London for a week, we can offer you travel insurance that can assist you and your loved ones when you need it the most.

• What's covered
• Why should I consider travel insurance?
• Travel insurance highlights
• What's not covered

What's covered?

When travelling overseas, it is understandable that you may feel a little uncertain about what to expect when booking a private rental over a hotel or a resort, especially as it is sight unseen.

At World Nomads we know how you feel, that’s why we aim to support you in your travels. Below are just some of the reasons why you should consider travel insurance when you’re planning a trip that will include a private vacation rental, no matter the destination.

World Nomads offers coverage (up to the policy limits) for:

• Coverage for extended stays
• Emergency medical and evacuation
• 21-day cooling-off period to decide if the cover is right for you
• Baggage and personal belongings
• Activities and sports cover for 150+ activities
• World Nomads’ Family Plans
• Coverage for some Coronavirus-related events

Travel insurance tip: Holiday homes have various house rules about occupancy, minimum age requirements for the primary renter and so on. Do ensure you understand what you're agreeing to before booking to avoid potentially incurring any extra fees or losing your deposit.

Why should I consider travel insurance?

Private holiday rentals differ greatly, not just when it comes to facilities and location, but also who you’re dealing with, what’s included and of course, what it will set you back financially.

It is important to consider travel insurance regardless of the sort of trip and the length of trip you're taking. World Nomads offers two plans – a Standard Plan and an Explorer Plan – each with different benefits, limits and sub-limits of coverage.

Which one you choose is up to you and your specific needs, but if you are planning on renting a vehicle or hiring sporting equipment; want cover for issues related to Coronavirus; and want reassurance that if you wind up in hospital you won’t be facing exorbitant out-of-pocket expenses, the Explorer plan is worth checking out.

Travel insurance highlights:

• Cancellation of your trip - If you need to cancel your trip due to a family emergency or you’ve been called up for jury duty back home, your policy may allow you to recoup any pre-paid, non-refundable costs.
• Coverage for extended stays - Sometimes we don’t anticipate just how much we’re going to love a place. If the chalet you booked in Canada is that good and you wish to extend your stay, then you may extend your travel insurance policy for a maximum of one year past the start date listed on your Certificate of Insurance. This must be done prior to the current expiration date of your policy. Terms and conditions apply.
• Natural disasters - It’s not something we like to think about, but if a natural disaster occurs in and around where you are staying and evacuation is necessary, you may be able to claim for the loss. Terms and conditions apply.
• Emergency medical and evacuation - If you need to see a doctor or are forced to go to hospital, our policies can assist in covering some of the medical costs. You must give our 24/7 Emergency Team a call to ensure the proper processes are met.
• Baggage and personal belongings - If someone breaks into your holiday house and makes light work of your laptop or Go-Pro camera, insurance may help you recoup the cost of the equipment, but you need to file a police report and show proof of that when you lodge your claim.
• Activities cover - Whether renting in Corfu, Malibu or in the English countryside you may be enjoying activities like sailing, roller-blading and even hiking. We cover more than 150 different activities, sports and experiences. If your favourite sport or activity isn’t on the list get in touch with our Customer Assistance Teamand they will let you know if we cover it. An upgrade for certain activities and sports may be required, see the PDS for details.  

Travel insurance tip: Make sure you do your research on the countries you’re looking to visit to ensure that there are no government warnings or restrictions. Your policy will be jeopardised if something goes wrong and you fail to adhere to the warnings. Find out more at Smartraveller and keep updated on the World Health Organization information regarding COVID-19.

What's not covered?

• Injury or illness arising from negligent or reckless behaviour.
• Costs related to damage caused to the rental property as a result of being under the influence of drugs or alcohol.
• Loss of enjoyment or deciding that you don’t like the rental location or offerings. If you have entered into an agreement, you cannot claim costs associated with shifting accommodation.
• Loss of goods if you leave the premises unlocked and return to find all your belongings missing.
• Costs associated with travelling to, planning to travel to, or choosing to remain in a country or region that is subject to the Australian Government issuing a ‘Do Not Travel’ or ‘Avoid Essential Travel’ warning. Find out more at Smartraveller.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.