Travel Insurance for Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Vietnam is a land of breathtaking landscapes, vibrant culture, and mouthwatering cuisine. Whether you're wandering through Hanoi's bustling streets, cruising Halong Bay, or exploring the lush Mekong Delta, Vietnam offers something for every traveller. But as with any international trip, having the right travel insurance should be top of mind throughout your journey.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- Why consider travel insurance for Vietnam?
- What’s not covered
- Safety and travel tips for Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Medical emergencies: Healthcare costs can add up quickly in a foreign country. If you fall ill or get injured, travel insurance covers medical expenses, including evacuation if necessary.
- Trip cancellations or delays: Unforeseen events like flight cancellations or delays can disrupt your plans. World Nomads can help you recoup non-refundable expenses.
- Adventure activities: Planning to go motorbiking through Vietnam or exploring its caves? World Nomads offers coverage for a variety of adventure activities.
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need. If you’re not sure about something, you can contact our customer service team.
Why consider travel insurance for Vietnam?
Travel insurance provides coverage for unexpected events that can disrupt your trip. From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go quite right on your Vietnam trip.
Imagine hiking the Fansipan mountain and you trip and injure yourself, requiring a local hospital transfer or even medical evacuation. Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. We may help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- 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.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Safety and travel tips for Vietnam
- Beware of traffic chaos: Traffic in cities like Hanoi can be overwhelming. Stay vigilant when crossing streets.
- Drink responsibly: Vietnam’s nightlife is exciting, but always keep an eye on your drinks to avoid spiking.
- Stay hydrated: Vietnam’s tropical climate can be draining. Carry bottled water to avoid dehydration.
- Secure your belongings: Petty theft can happen in tourist areas. Use anti-theft bags and avoid displaying valuables.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online. You can even purchase coverage after you’ve already left New Zealand for your trip.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
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.
FAQ
Here are our most frequently asked questions about buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need a visa to go to Vietnam from New Zealand?
Yes, New Zealand passport holders need a visa to enter Vietnam. You can apply online for an e-visa or through the Vietnamese Embassy.
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Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your Policy Document details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
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Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
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Does travel insurance cover pre-existing medical conditions?
New Zealand travellers may be covered for up to 40 existing medical conditions. To find out whether or not you are covered or a specific existing medical condition check out our FAQ which has all of the information you need. Be sure to disclose your health history when purchasing a policy.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Whether you’re cruising Ha Long Bay, trekking in Sapa’s terraced hills, or wandering the lantern-lit streets of Hoi An, Vietnam is a blend of vibrant cities, lush landscapes, and rich traditions. If you’re visiting the Land of the Blue Dragon, consider packing travel insurance to help keep your trip on track.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- How can travel insurance help when travelling to Vietnam?
- What’s not covered
- Handy tips when travelling to Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Overseas medical emergencies and hospital expenses
- Baggage and personal belongings
- Travel delays and trip interruption
- More than 150 activities and experiences
- Trip cancellation
- Extended stays
- Family coverage plans
- Coronavirus-related events
- And many more optional benefits…
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need.
How can travel insurance help when travelling to Vietnam?
Vietnam is an adventurer’s paradise, but even the best-planned trips can encounter unexpected hiccups. Imagine hiking the Fansipan mountain when you trip and injure yourself, requiring a local hospital transfer or even medical evacuation.
Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. Travel insurance can help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go right on your Vietnam trip.
Get a quote 24/7
With World Nomads you can get an instant quote anytime, anywhere, before you leave Australia or while you’re on the road.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- 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.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Handy tips when travelling in Vietnam
- Stay safe on scooters
Our policies offer cover for cover riding on scooters and motorbikes as long as you always wear a helmet, you have a valid license for the same type of vehicle in Australia and as required in Vietnam, and you follow local laws. If you’re a passenger, make sure the driver has a valid license and you’re both wearing helmets. Check out our detailed guide on motorbiking in Vietnam.
- Best time to visit Vietnam
Vietnam is a wonderful destination to visit year-round. July and August are the best time for beach trips, December to March brings cooler temperatures perfect for bustling city visits, and the low season allows a more timid look at this vibrant country.
- How to avoid gastro
It’s advisable to avoid drinking tap water while in Vietnam. Water can be contaminated and can result in gastrointestinal upset and other more serious disease such as hepatitis A and typhoid. It’s best to avoid raw fruits and vegetables with the skin on, as well as ice cubes in your drinks.
- Be aware of petty crime
While Vietnam is generally a safe place to travel, low level crime does exist.
As with many other destinations petty crime remains an issue in Vietnam. Stay alert and keep your belongings close.
- We’re here to help 24/7
If you experience an emergency and need help while travelling in Vietnam, our multi-lingual team is here to help 24/7. We can direct you to the nearest hospital, organise medical transport and even consult with your family back home.
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
FAQ
Here are our most frequently asked questions about buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does my travel insurance cover my medical costs upfront?
It depends. If you’re in an emergency situation that requires medical evacuation, we may cover these costs upfront provided the incident is covered by your policy. Contact us for more information.
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Do I need a visa to travel to Vietnam from Australia?
Yes, you need a visa to travel to Vietnam from Australia. You can apply for a visa online for tourism or business purposes. You can also request a visa at the airport on the day of travel, but this is more expensive. Your passport must be valid for at least six months after your planned stay and have at least one blank visa page. Check with your travel adviser prior to departure.
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Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your PDS details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
-
Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance when sailing
Don’t let an accident take the wind out of your sails.
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For UK adventurers drawn to the sea's call, the promise of slicing through the waves along the storied coasts of the French Riviera or exploring distant archipelagos is an alluring one. Before you embark, consider anchoring your trip with travel insurance. Packing World Nomads travel insurance could ensure you're prepared; whether you’re dealing with a sprained wrist from handling the sails or facing unexpected stormy weather.
- Should I consider travel insurance when undertaking sailing?
- What’s covered for sailing?
- World Nomads water sports coverage
- What’s not covered for sailing?
- Frequently asked questions
Should I consider travel insurance when undertaking sailing?
Let's set sail with realism: while we're not predicting rough waters, the unpredictable nature of sailing brings inherent risks. Imagine dealing with a sudden storm or a navigational mishap in unfamiliar waters – the challenges are magnified far from home. Coupling these potential scenarios with the complexities of international maritime response, costs can skyrocket quickly. Whether it’s a minor accident or a major emergency, having travel insurance helps you prepare for whatever the sea might throw your way.
Traveller tip #1: Verify that your UK boating and, if applicable, driving licences are valid in the destinations you plan to visit. Some countries may require international permits or specific local licenses.
What’s covered for sailing?
From medical emergencies to lost gear overboard, ensure your sailing journey is memorable for all the right reasons. Let's make your nautical dreams a safe reality—hoist the sails, but anchor your risks first!
Under our Standard and Explorer plans, Level 1 coverage automatically includes sailing in inland or coastal waters and non-manual work related to your sailing adventures. Just make sure you’re guided by a certified professional or possess the necessary UK qualifications to manage the sailboat yourself.
If your nautical aspirations push you beyond coastal waters, consider upgrading to Level 2 coverage. There’s still rules though – you need to stay within 60 miles of a safe haven, and personal liability under Section 11 of the policy wording is not covered.
Here are a few more eventualities typically covered in World Nomads plans for inland sailing and coastal waters:
Emergency medical assistance
Even without wet decks and choppy seas, you could find yourself with a medical emergency, be it an ankle sprain or a collarbone fracture. Our coverage may help cover everything from the services of a physician to ambulance services and x-rays in the case of an accident or injury at sea or on shore. World Nomads policy holders also have access to 24/7 Emergency Medical Assistance Team. The Standard Plan offers cover of up to £5,000,000 for emergency medical expenses and medical repatriation, and £10,000,000 on the Explorer Plan. Additional accommodation and travelling expenses are also included under both the Standard and Explorer plan.
Evacuation
Most of our earth is covered in water... which means you have plenty of places to sail but could easily hit a snag in a far-flung destination. Subject to approval of or 24/7 Emergency Medical Assistance Team, your World Nomads policy may transport you by air ambulance to get treatment at an appropriate medical facility if deemed medically necessary.
Baggage & Gear protection
Maybe your backpack slipped off the sopping wet stern, or your windbreaker got stolen right off the port. Our gear coverage can help replace your stuff, up to its actual cash value at the time of the loss. World Nomads provides baggage protection for lost or stolen items of up to £3,000 with the Explorer Plan and £1,500 with the Standard Plan. For high-value gear, consider upgrading for coverage up to £750 per item on the Explorer Plan and £400 per item on the Standard Plan, with maximum upgrade limits of £2,250 and £1,200 respectively.
Trip Disruption
Say a physician advises you not to travel until your health improves, or a hurricane at your destination renders your chartered course and your pre-sail accommodation totally unusable, you may be able to recoup some of your pre-paid, non-refundable travel expenses... handy when you’re ready to re-book the adventure. The Standard Plan provides up to £3,000 for trip cancelation and £5,000 under the Explorer Plan. These limits also apply if you have to cut your trip short.
Traveller tip #2: Always check weather and maritime forecasts before sailing, and plan your route with safe havens. Inform someone onshore of your itinerary. No matter your experience, review local navigation rules, tides, and hazards. Consider a refresher course if needed.
World Nomads water sports coverage
Besides sailing, World Nomads can offer cover for other water-based activities on island and coastal waters, such as:
- Yachting
- Parasailing
- Sailboarding
- Cruising
- Catamaran sailing
- Hydro foiling
- Hydrospeeding
- Water skiing
- Barefoot water skiing
- Kiteboarding (on land or water)
- Kayaking
- Sea Kayaking
- Wakeboarding
- Wake skating
- Scuba diving
For UK travellers, World Nomads extends its safety net far beyond the deck, offering coverage for over 150+ sports and activities. Whether you’re rockclimbing or rollerblading, check our comprehensive list of activities to ensure your adventure is covered.
What’s not covered?
Not every day is smooth sailing, but if you check the weather forecast, you can avoid some choppy waters. The same is true for travel insurance: if you know what’s excluded beforehand, you’ll be better equipped to navigate any unexpected losses. And sorry, we may not be able to cover you for:
- Sailing beyond the allowed distance from a safe haven or shore (60 miles for Brits)
- Racing and/or professional sailing
- Boat rental damage or loss
- Search-and-rescue missions
- Extreme sport sailing
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent and criminal acts
- Any claims resulting in the violation of local laws
- Any losses related to non-compliance with a license, contract or permit
- Sports equipment such as scuba, snorkel and scuba gear if it’s damaged while in-use
In addition to life jackets, floatation devices and other safety gear, be sure to BYO sunscreen. For more travel info, read our Explore, Travel Safety, and Responsible Travel articles.
Traveller tip #3: Familiarize yourself with the details of your travel insurance policy to understand what activities are covered and any applicable conditions or exclusions.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Work emergency?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- 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)
FAQ
Here are our most frequently asked questions about buying travel insurance for sailing. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Should I consider insurance to sail while overseas?
Without the right cover, you could be setting sail for disaster. Consider choosing travel insurance that covers you for all the water-based adventures you plan to enjoy overseas, even sailing. Securing travel insurance specifically for sailing means you and your vessel will be protected for a wide variety of unforeseen disasters. Check your policy wording for details on what’s covered.
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Which destinations am I covered for when sailing?
Depending on your Country of Residence and the policy you choose, your boating in your desired destination could be just a gust of wind away. Get a quote today to see if your preferred destination is covered for sailing trips.
Travel Insurance when horse riding
Make your horse riding adventure a memorable one for all the right reasons
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Ready to rein in some adventure? Whether you're planning to trot through the rolling vineyards of France or gallop along the sunlit shores of Spain, World Nomads has your back. Our travel insurance caters to UK globetrotters eager to immerse themselves in leisurely rides.
- Why should I consider travel insurance for horse riding?
- What's covered
- Coverage for more than 150 activities, sports, and experiences
- What's not covered?
- Frequently asked questions
Why should I consider travel insurance for horse riding?
Dreaming of galloping across the sandy beaches of Portugal or exploring the rugged trails of South America on horseback? Remember, while horse riding can put the epic into your travel experience, it also brings risks—risks that our travel insurance is designed to address.
From unexpected falls to equipment loss, we’re here to ensure your ride remains memorable for the right reasons. World Nomads provides tailored coverage for leisurely horse-riding activities.
Note: Before you saddle up, review our plans to select the right coverage level for your itinerary and ensure your chosen activities are included. Stay protected and focused on the joy of riding, not the potential pitfalls.
Horse riding can be a rewarding and exciting experience. If it’s your first time horse riding, you might want to keep the following handy tips in mind:
- Have the right gear: Before saddling up, thoroughly inspect your horse-riding gear. Ensure your helmet fits snugly and your footwear is appropriate for riding to avoid any mishaps.
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your riding instructor (if it’s a group ride) – if they’re not good then reconsider if it’s a smart move to go.
- Keep an eye on your gear: don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases.
- Saddle up properly: make sure you and your children’s saddles are fitted properly. If the saddle is the wrong size, you or your child could be more likely to slip out of it and fall and it could end up being a costly mistake.
- Ask for the right horse: If it’s your first time, ask for a horse that matches your skill level—typically a calm, experienced horse.
Check your policy wording carefully as terms and conditions and special exclusions may apply for horse riding activities.
What's covered
At World Nomads, we've got two travel insurance plans to suit your style. Go for the Standard Plan for the essentials, or level up with the Explorer Plan if you’re after broader coverage and higher limits.
- Trip cancellation or disruption: Things happen – and sometimes out best laid plans mice (and men) go awry. The Explorer Plan covers cancellations up to £5,000, while the Standard Plan covers up to £3,000. These figures also apply if you are forced to cut your trip short. Please note events must be unexpected and unforeseen.
- Baggage delays and personal belongings: if you arrive at your destination but your baggage doesn’t, our policies cover baggage delays that of 24 hours or more.
- Emergency medical: horse-riding and fresh air can be great for the body and soul, but not if it you’re on the wrong end of a feisty hoof and require medical assistance. Emergency medical coverage could come in handy in the case of an accident or injury that results in you going to hospital.
- Evacuation cover: your horse-riding adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us. If your injuries are worse than first thought, you could be repatriated back to the UK if it's medically necessary.
- Natural catastrophe: If you find yourself amid a natural disaster or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location.
Keep in mind that benefit limits, terms and conditions, and exclusions apply, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.
Traveller tip: always carry water, especially on longer rides. Staying hydrated is crucial to maintain your concentration and overall health during the journey.
Coverage for more than 150+ activities, sports, and experiences
At World Nomads, we know that adventurous activities go hand-in-hand with travelling abroad. That’s why World Nomads offers cover for 150+ adventure activities, sports, and experiences, everything from hot-air ballooning, rafting, hiking, and of course – horse riding.
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans.
If your favourite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
Traveller tip: if things go wrong during your horse-riding trip and you intend to make a claim, please be aware that, in most cases, a claim will require that you prove you acted responsibly, used the recommended safety clothing and equipment, and were guided by a professional, qualified, and licensed guide, instructor, or operator.
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:
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Pre-existing medical conditions.
- 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.
- Expenses you incur after you return to the United Kingdom.
- Losses arising from unattended baggage or personal items.
This is not a full list of what’s covered and what’s not; please check your policy 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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- 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)
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 buying travel insurance for horse riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What does the World Nomads travel insurance cover for horse riding?
Our policies can offer cover for leisure horse riding. You can get a quote here.
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Can I get coverage for competitive horse-riding events with World Nomads?
Unfortunately, our policies exclude activities like dressage and show jumping. Please review the policy details or contact our customer service for more information.
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What should I do if I injure myself horse riding?
If you get injured while horse riding, immediately call our 24/7 Emergency Medical Assistance Team for help. Make sure you were using all the recommended safety equipment and following safety guidelines, as this will be important for any potential claims.
Travel insurance when cycling
Take life by the handlebars and check out World Nomads travel insurance plans when cycling on your next overseas adventure.
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Ready to swap the UK drizzle for sunnier cycles abroad? Whether you dream of dodging sheep in New Zealand's trails or weaving through Tuscany's vineyards, consider packing World Nomads travel insurance with your helmet. It could be your backup plan for when those quaint cobbled streets throw a spoke in your wheel, covering everything from scrapped knees to swiped gear. Gear up, get insured, and go!
- How you may benefit from World Nomads travel insurance cover
- What's covered for cycling?
- Know where you’re going and what to do if the unexpected happens
- What's not covered
- Frequently asked questions
How you may benefit from World Nomads travel insurance cover
Hitting the road on two wheels is exhilarating, but every turn brings the unknown – especially abroad. While cycling lets you connect with landscapes and cultures intimately, it also exposes you to risks not present back home. From navigating unfamiliar traffic rules and road conditions to potential mishaps like a fall or a collision with a vehicle, the physical risks are real. And then there's theft – bicycles are a popular target.
When choosing World Nomads products, you’ll have access to two simple and flexible plans – Standard and Explorer. We offer cover (up to the policy limits) for:
- Baggage & Gear protection: With our travel insurance, whether it’s the Standard or Explorer plan, you're protected. If your baggage is delayed for more than 24 hours, we cover the cost of essential items. And if your prized cycling gear is lost or stolen, we’re here to help cover replacement costs. For high-value gear, consider upgrading for coverage up to £750 per item on the Explorer Plan and £400 per item on the Standard Plan, with maximum upgrade limits of £2,250 and £1,200 respectively.
- Emergency overseas medical: cycling through the Alps and taking in the fresh air can be great for the body and the mind, but not if it ends up in a bad injury. Emergency medical coverage will come in handy in the case of an accident, illness or injury.
- Evacuation: your cycling route may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from World Nomads. Note, there is no cover for search and rescue expenses.
- Trip disruption: has a sick or injured travelling companion put a stop to your cycling abroad? You may be able to recover your unused, prepaid travel expenses.
- 24-hour emergency medical assistance: if you find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Medical Assistance.
Traveller tip: always carry enough water, especially in hot climates, and use sunscreen and sunglasses to protect against sunburn and glare.
What’s covered for cycling?
Under both of World Nomads plans – Standard and Explorer – you may be automatically covered. However you may need to upgrade and pay an additional premium depending on the type of cycling activity you'll be doing. United Kingdom travellers could be covered for the following cycling activities:
- Cycling (incidental to the trip): level 1 activity
- Cycling (on an organised tour): Level 2 activity – upgrade required
- Cycling (independent cycle touring): level 3 activity - upgrade required
Note: all our plans are different and may require an upgrade to include cycling at certain altitude. In some instances, you must be with a professional, qualified and licensed cycling guide, instructor or operator. Terms and conditions, limits and exclusions, apply. Read your policy wording carefully to choose the right plan and cycling option for your trip.
For more information on cycling and mountain biking coverage check out our Help Centre article, ‘Am I covered if I'm cycling or mountain biking?’ in the Help Centre which explains what you need to know to be adequately covered. Choose your “for European residents” and you’ll access the most up to date information.
Traveller tip: keep your essential documents (passport, travel insurance details, and emergency contacts) secure in a waterproof pouch.
Know where you’re going and what to do if the unexpected happens
Before you hit the road with your bike, helmet and gear, it pays to arm yourself with these cycling tips for a safer trip:
- Include all countries you’re visiting or traveling through on your policy: as well as all the adventure activities you’re planning to do or participate in. With World Nomads you’ll have a choice of more than 150+ activities, sports and experiences to choose from.
- Check you have all your paperwork: you’ll need to have all the appropriate paperwork, these may include any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting,
- Be responsible when choosing a cycling destination or activity: does the cycling tour your planning suit your experience level? Are there any travel or weather alerts for your destination? Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Do you need to use an accredited tour provider or operator? Can our 24/7 Emergency Medical Assistance Team reach you if you get into trouble?
- Wear a helmet and visible clothing: this should be a no brainer, but it’s still worth mentioning, as in many countries around the world, the locals don’t wear helmets when cycling. Another no brainer is if you’re planning to ride at night, you should have high vis clothing on yourself, your bike, or both to make sure other riders and vehicles see you.
- Proof of purchase: remember that any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
Travel insurance tip: World Nomads provides travel insurance for more than 150+ 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.
What's not covered?
Some things we may not cover include:
- Costs incurred if you refuse to be repatriated after being declared medically unfit to continue your trip.
- Costs incurred if you ignore the advice of your doctor or our 24/7 Emergency Medical Assistance Team.
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
- Pre-existing medical conditions.
- Expenses that can be recovered from another source, e.g., transport carriers or accommodation providers
- Unattended baggage or personal items
- Participating or training in activity or sport at a professional level
- Any search or rescue operations as explained in the policy wording
- Misuse or being under the influence of alcohol or drugs.
- Fraudulent or criminal acts.
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.
Traveller tip: keep a list of local emergency contacts, including medical facilities and the local police, on your person when cycling – just in case.
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)
FAQ
Here are our most frequently asked questions about buying travel insurance for cycling. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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How do I claim if my bike or cycling gear is stolen while travelling?
While our policies excludes cover for bicycles, if your cycling equipment is stolen, making an online claim is simple. This article will take you through all the necessary steps (including documentation and timelines).
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Can I upgrade my cycling coverage mid-trip?
Good news is, if you already have World Nomads travel insurance, all our plans cover incidental cycling adventures (T&Cs apply). However, if you’re planning some independent cycling touring, you will need to plan and purchase an appropriate activity cover and pay an additional premium from the beginning, as you cannot upgrade mid-trip.
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What should I do if I need emergency medical assistance while cycling abroad?
Contact our 24/7 Emergency Medical Assistance Team straight away, and they’ll help get you sorted.
Travel Insurance for Trip Delays
What happens if I hit a scheduling snag?
- As featured in:
As featured in:
Imagine this: you booked your dream trip months ago and have been counting down the days to takeoff. Finally, the day has come! Your bags are packed, itinerary checked, boarding pass in hand. You arrive at the airport only to find the word ‘DELAYED’ splashed across the screen next to your flight number.
While situations like these can be disappointing, World Nomads travel insurance may help you handle the unexpected and keep your travel plans moving forward (even if it’s a little later than planned).
Cover depends on your country of residence, and the limits depends on the policy that you choose, so make sure you read your policy carefully.
- Does World Nomads cover trip delays?
- Can I claim for trip delays?
- What is not covered under trip delays?
- Need to know more?
Does World Nomads cover trip delays?
Whether it’s your flight or your cruise, there’s more than one way to be caught off guard by a trip delay when you’re on holiday.
If your trip gets delayed by the minimum time mentioned in your policy wording, you may be covered for accommodation, meals, local transportation, and other basic expenses that you’ve had to incur as a result of the trip delay. We would recommend that you check your individual plan, as coverage varies according to your country of residence.
In order to qualify for this benefit, your travels must have been delayed by a reason mentioned as covered under the policy.
A World Nomads travel insurance policy also provides access to the 24/7 Emergency Assistance team, ready to help if you need to claim.
Travel insurance tip: Be sure to keep a copy of all of your receipts so that you can submit them with your claim. If the travel delay happened on commercial transportation, you’ll need to file a claim with your carrier before asking for reimbursement under your travel insurance.
Can I claim for trip delays?
If your trip delay meets the conditions outlined in your policy, you may be able to file a claim for things like:
- Basic expenses that you had to pay for because of the delay. Terms and conditions, exclusions and limitations apply.
- Any non-refundable, pre-paid portions of your trip that you’ve had to forfeit because of the delay (such as a hotel night or a tour).
To file a claim you’ll need to:
- Retain all documentation from your airline, transport, and/or tour provider detailing the cause and duration of the delay
- All receipts and documentation for expenses you incur
- And any other relevant documents for your claim
What is not covered under trip delays?
Travel insurance is designed to help when your trip is affected by the unexpected, but not all delays qualify for coverage. Some examples of when you’re not covered include:
- Delays that are less than the minimum amount of time specified in your policy
- Delays caused by expected events
- Costs that are unnecessary or extravagant
- Expenses that are covered by your common carrier.
Get a travel insurance quote from World Nomads today.
It’s important to read over your policy wording carefully, and always check the terms and conditions of your policy for full details what is and isn’t covered.
Need to know more?
When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the Policy Wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Trip Delays
What happens if I hit a scheduling snag?
- As featured in:
As featured in:
You’ve been buzzing about your trip to Bali for weeks. Cozzies and sunscreen are packed, and your boarding pass is in-hand. But just as you’re about to board, your flight is delayed because there’s a volcanic ash cloud shrouding the island. While trip delays like these are a buzz kill, travel insurance with World Nomads may help ease the stress.
- Does World Nomads cover trip delays?
- Can I claim for trip delays?
- What is not covered under trip delays?
- Need to know more?
Does World Nomads offer cover for trip delays?
Whether it’s your flight or your cruise, there’s more than one way to be caught off guard by a trip delay when you’re on holiday. If your trip gets delayed by the minimum time listed in your policy, you may be covered for accommodation, meals, local transportation, and other basic expenses that you’ve had to incur as a result of the trip delay.
In order to qualify for this benefit, your travels must have been delayed by a reason listed as covered under the policy.
Travel insurance tip: Be sure to keep a copy of all of your receipts so that you can submit them with your claim. If the travel delay happened on commercial transportation, you’ll need to file a claim with your carrier before asking for reimbursement under your travel insurance.
A World Nomads travel insurance policy also provides access to the 24/7 Emergency Assistance team, ready to help if you need to claim.
Get a travel insurance quote from World Nomads today.
Can I claim for trip delays?
If your trip delay meets the conditions outlined in your policy, you may be able to file a claim for things like:
- Basic expenses that you had to pay for because of the delay. Terms and conditions, exclusions and limitations apply.
- Any non-refundable, pre-paid portions of your trip that you’ve had to forfeit because of the delay (such as a hotel night or a tour).
To file a claim you’ll need to:
- Retain all documentation from your airline, transport, and/or tour provider detailing the cause and duration of the delay
- All receipts and documentation for expenses you incur
- And any other relevant documents for your claim
What is not covered under trip delays?
Travel insurance is designed to help when your trip is affected by the unexpected, but not all delays qualify for coverage. Some examples of when you’re not covered include:
- Delays that are less than the minimum amount of time specified in your policy
- Delays caused by expected events
- Costs that are unnecessary or extravagant
- Expenses that are covered by your common carrier.
It’s important to read over your Product Disclosure Statement (PDS) carefully, and always check the terms and conditions of your policy for full details what is and isn’t covered.
Need to know more?
When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.
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
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
