Aloha! It’s time to put the Irish weather in the rear-view mirror and get ready for a sunny adventure in Hawaii. Whether you’re planning to hike the rugged Kalalau Trail on Kauai, or a more sedate saunter to the Blue Room (also known as Waikapalae), Hawaii will restore that Irish winter pallor to a healthy glow in no time.

• What’s Covered?
• Why do I need travel insurance when visiting Hawaii?
• What to look out for when travelling around Hawaii
• What’s not covered?

What’s Covered?

Of course, whenever we plan a holiday, we hope everything goes smoothly, but that isn’t always the case. The right insurance can come in handy when a hiccup, or something more serious, interrupts your holiday.

World Nomads has two levels of cover – Standard and Explorer – they offer different benefits, limits, and sub-limits, so it’s best to compare them. For Irish travellers with their sights set on Hawaii, our policies include cover for:

• Emergency overseas medical and dental: One of the main reasons travellers buy insurance is for medical cover. Travelling to a country such as the US, where there is no reciprocal healthcare agreement in place, health costs can quickly become exorbitant.
• Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Assistance Team first.
• Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in Hawaii. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy.

All our Standard and Explorer plans will offer cover for emergency overseas dental and medical assistance, medically necessary evacuation and repatriation if you get sick or die from COVID-19 while travelling overseas. The difference will often be the excess or the maximum payable limit.

World Nomads travel medical insurance can cover expenses such as:

• Hospitalisation
• Out-patient treatment (no hospital admission)
• Prescribed medicines
• Transport to get you home for ongoing treatment if it’s decided that it’s medically necessary.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits and exclusions

Here are some of the highlights of our coverage, depending on the plan you’ve selected:

• Activities: World Nomads has cover for more than 150 activities, sports and experiences. For those considered higher risk you may be asked to upgrade your cover or pay an additional premium. When participating in an activity, always act sensibly, use safety equipment, and undergo the required training.
• Lost or delayed bags: You saw your bags get tagged and loaded onto the conveyor at Dublin, but when you landed in Hawaii you found yourself watching an empty luggage carousel. Travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep copies. If your bags are delayed longer than 12 hours you may be able to claim for basic necessities, such as a toothbrush, clean underwear, to tide you over until your bags can begin their holiday with you.

Why do I need travel insurance when visiting Hawaii?

While stunning scenery abounds, travel to any country does bring a level of risk and Hawaii is no different. The Hawaiian Islands can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.

While making your dive plan, it’s important to also think about your insurance, in case something goes wrong (which can happen, even to the most experienced divers). When getting the right scuba diving level of insurance, you’ll need to know the depth you’re diving, your level of dive qualifications and you may be required to dive only under constant supervision.

If you’re planning on some tropical scuba diving, just know that solo diving, cave diving or any dive below 30 metres (or 50 metres if the appropriate premium has been pad) is not covered.

Always check your Policy Wording carefully to make sure all your chosen activities are covered. You may need to upgrade your level of cover for a specific activity when you purchase.

What to look out for when travelling around Hawaii

One of the reasons Hawaii is so exciting is that it’s so different to home. No persistent cloud cover or gently rolling hills. It can be steamy and hot, with rugged, sometimes explosive, terrain. This can affect the type of cover you choose.

Natural catastrophes, such as volcanoes, tropical thunderstorms, and even cyclones and tsunamis, are known to happen in Hawaii. If you find that you cannot use your booked accommodation because of a natural catastrophe, the Explorer Plan may cover you for reasonable additional accommodation and transport costs. The Standard Plan does not offer coverage for natural catastrophes.

Kayaking on the Wailua River, Hawaii’s only inland river, is a relaxing way to spend a few hours as you paddle upstream, before hiking to a stunning secluded waterfall. However, if your kayak capsizes (the most common kayaking accident) and you hurt yourself as you get flipped into the water, travel insurance may be helpful in getting medical costs covered. Kayaking is a Level 1 activity and is covered in both the Standard and Explorer policies, but make sure you read the safety information to ensure you comply.

What’s not covered?

When taking out insurance, understanding what’s not covered is just as important as what is covered. Every policy is different, so make sure you read the wording carefully.

• If you are under the influence of drugs or alcohol you won’t be covered for any accidents.
• Whenever participating in any kind of sports, if you don’t follow all safety measures, such as wearing a helmet or wearing full safety harness where required, you may not be covered.
• Loss or damage to luggage due to age, wear and tear, loss of value. Damage to sporting equipment caused while in use.
• Pre-existing medical conditions as explained in the Policy Wording.
• Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government Do Not Travel or Avoid Non-essential Travel warning.
• Change of mind, disinclination, or reluctance to travel.

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.

If you’re planning to say farewell to gloomy skies and travel to Hawaii, be prepared for one of the world’s most incredible adventure destinations. Whether you plan to hike the rugged Kalalau Trail on Kauai or snorkel the Blue Room (also known as Waikapalae), Hawaii will restore that sun-deprived British complexion to a healthy tan in no time.

• What’s Covered?
• Cover for more than 150 adventure and sports activities on both World Nomads plans
• What to look out for when travelling around Hawaii
• What’s not covered?

What’s Covered?

Whenever you plan a holiday, you hope everything goes smoothly, but that isn’t always the case. The right travel insurance can come in handy when a hiccup, or something more serious, interrupts your holiday. If you’re thinking of buying travel insurance to cover yourself and your loved ones, you should make sure you read the Policy Wording carefully to understand what’s included.

World Nomads offers two plans – our Standard or our Explorer policy – and the benefits differ so read the detail carefully before deciding. For British travellers with their sights set on Hawaii, our policies include cover for:

• Emergency overseas medical and dental: One of the main reasons travellers buy insurance is for medical cover. Travelling to a country such as the US, where health costs can quickly become exorbitant, can be a compelling reason to get insurance.
• Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Assistance Team first.
• Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in Hawaii. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy.

All our Standard and Explorer plans will offer cover for emergency overseas dental and medical assistance, emergency overseas medical assistance, medically necessary evacuation, and repatriation if you get sick or die from COVID-19 while travelling overseas. The difference may be the excess or the maximum payable limit.

World Nomads travel medical insurance can cover expenses such as:

• Hospitalisation
• Out-patient treatment (no hospital admission)
• Prescribed medicines
• Transport to get you home for ongoing treatment if it’s medically necessary.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits and exclusions.

Here are some of the highlights of our coverage, depending on the plan you’ve selected:

• Activities: World Nomads has cover for more than 150 activities. For those considered higher risk you may be asked to upgrade your cover or pay an additional premium. When participating in an activity, always act sensibly, use safety equipment, and undergo the required training.
• Lost or delayed baggage: You saw your bags get tagged and loaded onto the conveyor at Heathrow, but when you landed in Hawaii you found yourself watching an empty luggage carousel. World Nomads travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep all receipts and copies.

Cover for more than 150 adventure and sports activities on both World Nomads plans

While there are many activities available on the Standard Plan, those feeling adventurous can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.

Hawaii can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.

For example, the crystal-clear waters of Lana’i, where some of the world’s best scuba diving can be found, are a must-see for scuba fans. When thinking about your dive plan, it’s important that you are getting the right level of activity cover, so you’ll need to know the depth you’re diving, and the qualification you have achieved. You may be required to dive only under constant supervision, so talk to us if in doubt.

What to look out for when travelling around Hawaii

One of the reasons that Hawaii is so exciting is its unique landscape and changing climate. It can be hot with rugged, sometimes explosive, terrain. Volcanoes, tropical thunderstorms, and even cyclones and tsunamis are known to happen in Hawaii. This can affect the type of cover you choose.

Natural catastrophes can mean your booked accommodation is no longer suitable or you need to move to safety. If this happens to you our Explorer Plan may cover some costs for alternative accommodation.

Water sports are a major drawcard in Hawaii. Kayaking out into the bay to get a different perspective of the Napali Coast with its jagged and jutting natural formations is a great adventure. But one of the most common kayaking accidents is capsizing, with many kayakers hitting their head. It might be a good idea to consider either Standard or Explorer cover to help with expenses related to the accident, such as transport to a medical facility or other medical costs such as medical evacuation if it’s a serious accident.

What’s not covered?

When taking out insurance, understanding what’s not covered is just as important as what is covered. Some things we won’t not cover include:

• If you participate in adventure sports but are under the influence of drugs or alcohol.
• Taking unnecessary risks will also result in no coverage for any accidents that may happen.
• You must also follow all safety requirements, such as wearing a helmet or wearing full safety harness. When driving a motorised vehicle, you must be appropriately qualified with a UK driver’s licence. If you’re not, any accidents while operating the motorised vehicle won’t be covered.
• Pre-existing medical conditions as explained in your Policy Wording.
• Any expenses which World Nomads or the Emergency Assistance Team determine are not medically necessary.
• Change of mind, disinclination, or reluctance to travel.

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.

If a tropical island is calling your name, then get to Hawaii for the adventure of a lifetime. You may want to hike the rugged Kalalau Trail on Kauai or go scuba diving in Maui. With so much to explore, you may want to consider the benefits of travel insurance for you and your travel companions.

• What’s Covered?
• Cover for more than 150 adventure and sports activities on both World Nomads plans
• What to look out for when traveling around Hawaii
• What’s not covered?

What’s Covered?

The right travel insurance can come in handy when a hiccup, or something more serious, interrupts your trip. While travel insurance isn’t designed to cover every eventuality, it may be a life saver if you end up ill, injured, stuck in a natural catastrophe, or if your bags go missing.

Always make sure you read the policy wording carefully to understand what’s included (and what’s not) as our travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose, and any options or upgrades you buy.

Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:

• Overseas medical insurance: One of the main reasons travelers buy insurance is for medical cover, especially in times of Coronavirus (COVID-19). Traveling to a country such as the US, where health costs can rise very quickly, can be a good enough reason to get insurance. World Nomad Standard and Explorer plans may offer cover for emergency overseas dental and medical assistance and medically necessary evacuation and repatriation if you get sick or get COVID-19 while traveling overseas. The difference will often be the excess or the maximum payable limit.
• Trip cancellation: One of the biggest questions with any international travel currently is related to cancellations. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your policy carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.
• Lost bags: You saw your bags get tagged and loaded onto the conveyor at the start of the trip, but when you landed in Hawaii you found yourself watching an empty luggage carousel. World Nomads travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep all receipts and copies.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, terms and conditions, and exclusions.

Cover for more than 150 adventure and sports activities on both World Nomads plans

While there are many activities available on the Standard Plan, those feeling adventurous can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.

Hawaii can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.

For example, the crystal-clear waters of Lana’i, where some of the world’s best scuba diving can be found, are a must-see for scuba fans. When thinking about your dive plan, it’s important that you are getting the right level of activity coverage, so you’ll need to know the depth you’re diving, and the qualification you have achieved. You may be required to dive only under constant supervision, so talk to us if in doubt.

What to look out for when traveling around Hawaii

Hawaii is known for its stunning and dramatic terrain. Volcanoes, tropical thunderstorms, and even cyclones and tsunamis are known to happen in Hawaii. This can affect the type of cover you choose.

Natural catastrophes could force you to abandon your booked accommodation and if you have the Explorer Plan you may be able to claim for accommodation and some limited travel costs. Equally, expenses incurred getting to safer ground may also be covered with the Explorer Plan. World Nomads offers cover for natural catastrophes, but cover will depend on your Country of Residence and varies between plans. We can assist with all these situations and the right policy can go a long way to reducing the stress involved in international travel.

Water sports such as kayaking, canoeing or jet skiing are popular in Hawaii. Paddling out into the bay to see the natural formations along the Napali Coast is breathtaking. However, accidents happen, and kayakers commonly capsize and hit their head. If this happens to you both Standard and Explorer policies will cover this and assist with getting you to a medical facility for treatment or have you evacuated if it’s a serious injury.

Jet skiing carries greater risk, and our Standard and Explorer plans will require you to be traveling with a suitably qualified instructor for you to be covered in the event of an accident.

Just remember, you’ll need to list all the activities and sports you plan to do at the time of purchasing your cover and the activities you nominate will be listed on your Certificate of Insurance.

What’s not covered?

When taking out insurance, understanding what’s not covered is just as important as what is covered.

• If you are under the influence of drugs or alcohol you won’t be covered for any accidents that happen.
• With any sports or adventure activity you must follow all safety measures, such as wearing a helmet or wearing full safety harness where required, or you may not be covered.
• Pre-existing medical conditions as explained in your policy wording.
• Any expenses which World Nomads or the Emergency Assistance Team determine are not medically necessary.
• Change of mind, disinclination, or reluctance to travel.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government Do Not Travel or Avoid Non-essential Travel warning issued by the US Department of State.

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.

With eight dramatic islands, a culture rich with traditions, and beautiful weather, Hawaii is a dream location. You might be going to relax on a beach or hit the world-famous surf, or perhaps you’re volunteering or want to learn about Hawaii’s history – whatever the reason, you may want to consider buying travel insurance for any unplanned or unexpected events.

• What am I covered for?
• More than 150 activities and sports covered on World Nomads plans
• Overseas medical insurance and Coronavirus cover
• Lost or delayed baggage cover
• What’s not covered?

What am I covered for?

Travel insurance is designed for many reasons, for example medical emergencies, lost or stolen bags, unforeseen injuries, unexpected bad weather, or travel delays derail your trip. World Nomads offers coverage (up to the policy limits) for:

• Emergency overseas medical: surfing in Hawaii can be great for the body and soul but not if it ends in an accident. 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).
• Evacuation: your upcoming family hiking trip might take you far away from medical facilities. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us. Please note that remote travel and search and rescue expenses are not covered.
• Trip cancellation: has a sick or injured traveling buddy put a stop to your scuba diving trip to Molokai? Depending on your plan, you may be able to recover your travel expenses.
• Coverage for extended stays: if you’re having too much fun in Hawaii and want to extend your trip, we can help keep you get covered. Just sign into your World Nomads membership, select your current policy and follow the links to extend your cover online. Terms and conditions apply.

More than 150 activities and sports covered on World Nomads plans

Are you ready to experience some amazing outdoor activities in Hawaii? With World Nomads Travel insurance there are many outdoor activities, sports, and experiences that are automatically covered and available on the Standard Plan. But, if you’re feeling extra adventurous, you can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports on your next Hawaiian adventure trip.

To have cover for an adventure, sport or activity such as surfing, scuba diving, kayaking, hiking, volunteering, even bungee jumping, you may need to add it to your policy or select a plan with more benefits/coverage when you buy and pay the extra premium, and depending on your Country of Residence. Remember, you can’t upgrade your coverage after you buy, so it’s important to get this right on the first go.

Whatever your choice of overseas vacation, it’s important to choose the right level of coverage. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan.

You may have to pay an additional premium for an adventure sports upgrade or purchase the Explorer plan instead of a Standard. Remember, you can’t upgrade your activities coverage after you buy, so it’s important to get this right on the first go.

Overseas medical insurance and Coronavirus cover

When traveling to Hawaii, medical insurance could be helpful in case of an accident when doing an activity or a sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your country of residence.

The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your country of residence. Check out our Coronavirus cover article which goes into more detail on all the Coronavirus cover benefits, including benefit limits and exclusions.

Lost or delayed baggage cover

Arrived in Honolulu but your bags haven’t? It can throw a massive spanner in the works if you’re at the baggage carousel watching it go around and your bags don’t appear. You could also get your gear stolen on public transport or in a hostel, which is why baggage insurance is a good idea.

Baggage travel insurance may offer cover for stolen or damaged luggage. If this happens, you must report it to the police, carrier, or local authority as soon as possible and get a copy of the report.

Insurance won’t cover things such as losing baggage that was left unattended, this includes if it’s been left unattended in a car (even if the car is locked). You may be able to get compensation from the transport carrier if your bags were lost in transit and you’ll need to show you’ve attempted this if you decide to put in a claim.

You may also need to take depreciation into account, depending on your country of residence and the plan you purchase. Please be aware that an excess may apply to any claim made.

If your policy offers Baggage Delay cover, you may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. Check your policy for details as the time delay varies depending on your country of residence and between plans and benefit limits apply.

What’s not covered?

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

• Pre-existing medical conditions: see the policy wording for details.
• Activities and sports: Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
• Not following doctor’ orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
• Leaving valuables unattended: stolen, lost or damaged personal belongings that were left unguarded.
• Recovering expenses: Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

If your idea of a European adventure is wandering through lush pine forests and ancient ruins during the day and partying in Zagreb nightclubs until dawn, then you’re sure to fall in love with Croatia. However, before you set off for the hiking trails of Paklenica National Park or the galleries and museums of Sibenik, you might want to consider purchasing travel insurance first.

• What’s covered?
• Why should I consider travel insurance when visiting Croatia?
• What to look out for when travelling around Croatia
• What’s not covered?

What’s covered?

World Nomads offer two travel insurance plans, the Standard and Explorer Plan. These plans both offer cover for accidents, medical emergencies, theft, and lost or stolen luggage. However, the Explorer plan offers a wider scope of cover, with higher limits and sub-limits.

The following is only a summary of the cover on offer. When selecting your plan, always read through the Policy Wording first, to become familiar with the full list of benefits, exclusions, and general conditions.

• Overseas emergency medical – if you get sick or injured and require urgent hospitalisation (either as an in-patient or an out-patient), you must let our 24/7 Emergency Assistance Team know straight away. They will inform you of treatment options in your area and they will consult with your treating doctor regarding your ongoing care requirements.
• Overseas emergency dental– this cover only relates to dental emergencies that occur during your trip. Cosmetic procedures or check-ups will not be covered.
• Extended stays – having too much fin in Croatia and don’t want to return to Ireland just yet? You may extend your travel insurance policy for a maximum of twelve months past the commencement date indicated on your Certificate of Insurance.
• Medical evacuation and repatriation – if your badly injured and need to be repatriated back home, and your treating doctor and our 24/7 Emergency Assistance Team both agree that your repatriation back to Ireland is medically necessary, then your policy may cover the costs involved in this.
• Lost or stolen luggage and personal belongings – if you lose your suitcase or any personal items during your holiday, then you may claim for these. Please make sure you submit any supporting evidence such as receipts and police reports. Claims without supporting documents may be harder to be approved.
• Cover for some Coronavirus-related events – check out our Coronavirus cover articleto find out about the limits, sub-limits, terms, and exclusions relating to this type of cover.

Why should I consider travel insurance when visiting Croatia?

Irish travellers might want to buy travel insurance before leaving for Croatia due to the following reasons:

Natural catastrophes – Croatia is prone to occasional earthquakes which cause severe damage to buildings, including hostels and hotels.

Travel insurance tip: if your hotel or hostel is damaged by an earthquake, or other type of natural disaster, you may be covered for accommodation with a different provider and any transport expense you incur (Explorer Plan).

Crime – although not regarded as a country with a high crime rate, travellers do need to be mindful when carrying bags or wearing expensive jewellery.

Adventure activities - World Nomads offers cover for over 150 adventure activities. Please read your Policy Wording beforehand to know exactly what activities are covered, as well as the actual terms, conditions, benefit limits and exclusions. While many of these activities are covered by both the Standard and Explorer Plans, the limits and sub-limits will be different for each policy.

If you’re planning to trek across the Velebit Mountains, you might not be covered if you've bought the wrong plan for your hike. You would need to know the altitude limit for hiking listed within your policy. Our plans have different levels of cover for hiking at altitudes of 3,000 metres (Level 1), 4,500 metres (Level 2) and 6,000 metres (Level 3). Certain exclusions apply to every policy. An example of an exclusion would be search-and-rescue missions.

These are just some of the 150 adventure activities that are covered:

• Sandboarding
• Backpacking
• Snorkelling
• Hiking & trekking
• Surfing
• Scuba diving
• Mountain climbing

What to look out for when travelling around Croatia

No matter what type of holiday you’re seeking, Croatia has something to satisfy even the most intense cases of wanderlust. Although generally safe and tourist friendly, travellers to Croatia do need to be cautious when exploring its mountain ranges and coastal regions.

When hiking across any one of Croatia’s vast networks of mountain ranges, it’s always best to stick to the main walking tracks. There are believed to be unexploded landmines scattered throughout some forest regions, planted during the Croatian War of Independence that ran from 1991 to 1995.

Hikers should also try to avoid walking on the outermost edges of trails when crossing over mountains as the earth can often be soft and unstable in places. Hikers can easily lose their footing and take a fall if walking too close to the edge of a path.

Make sure that you’ve selected the right travel insurance plan for your specific needs. Buy a quote, make a claim, or extend your policy online anytime, from anywhere in the world.

What’s not covered?

Some things we don’t cover include:

• Pre-existing conditions as explained in your Policy Wording.
• Travelling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
• Participation in a sport or activity not listed as covered in the Policy Wording or agreed by World Nomads or where you haven’t paid the required additional premium.
• Additional costs incurred because of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip.
• Loss or damage to luggage due to age, wear and tear, loss of value.

This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.