What Does Domestic Travel Insurance Cover?
Four travel benefits you shouldn't leave home without
- As featured in:
As featured in:
Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Brazil doesn’t mean that you won’t need backup if your travels take a turn for the worst.
World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road.
Why do I need travel insurance if I'm travelling domestically?
It doesn’t matter if you’re on a distant continent or in an adjacent state – you could sprain your ankle, get into a car accident, or get delayed by inclement weather just about anywhere. A good travel protection plan can help prevent any of these unexpected events from turning into full-blown disasters.
Benefits
Accidents and emergencies can happen in your own backyard – which is why it’s important to consider these four main benefits of domestic travel insurance.
- Unexpected trip cancellation: An illness of an immediate family member or a work emergency can cause you to cancel your trip, and World Nomads travel insurance can help you recover your pre-paid non-refundable trip costs for these and other covered reasons.
- Medical emergencies: Hospital bills and emergency office visits can really add up, especially when your health insurance won’t cover you out of state. These costs alone are a reason to purchase travel insurance for your domestic travels.
- Trip interruption: Sometimes you can hit a bump in the road – in a literal and figurative sense. Maybe the Brazilian government issued a ‘defer travel’ warning or maybe your travel companion got sick. This benefit covers meals, hotel stays and any other surprise expenses you could incur as a result of the setback.
- Medical evacuation and repatriation: Sometimes the best place to get medical treatment is at a hospital back home. Be sure to call the 24/7 Emergency Assistance team to get approval.
Exclusions
It is important that you read and understand your coverage. There are limits and exclusions that apply to all insured travellers.
- Alcohol- and drug- related incidents: There is no coverage for any alcohol-related sickness, death or injury or the abuse of medication, drugs or any other toxic substance.
- Any losses related to the participation in illegal activities: For example, if you get injured while looting a store during a riot.
- Select personal belongings, such as bicycles, professional equipment, and musical instruments.
- Travel supplier cancellations: If your airline or tour operator decides to cancel, you should seek refunds and credits or reschedule your trip directly with your supplier.
Why World Nomads travel insurance?
Along with the benefits above, World Nomads travel insurance also includes important assistance services and features such as:
- 24/7 Emergency Assistance team that can help you rebook flights, locate lost luggage, or replace stolen credit cards.
- Our global network of security experts are on call 24/7. You can consult them for safety advisories and evacuation assistance.
- Our adventure sports and activities coverage is part of our plans. Read our article on what adventure travel insurance covers.
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?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Seguro Viagem Nacional
As coberturas e o serviço que você já conhece, agora também para viagens domésticas. Cobertura em todo o território brasileiro.
- As featured in:
As featured in:
Talvez sua próxima viagem não inclua cruzar um oceano ou embarcar em uma longa viagem de avião. Mas só porque você está viajando dentro do Brasil, isso não significa que você não precisará de apoio se algo der errado.
A cobertura da World Nomads para viagens domésticas começa quando você sai de sua casa e fornece proteção essencial contra uma ampla gama de contratempos que você pode encontrar na estrada.
Por que preciso de um seguro viagem se estou viajando em território nacional?
Não importa se você está em um continente distante ou em um estado adjacente – você pode torcer o tornozelo, sofrer um acidente de carro ou atrasar-se pelo mau tempo em qualquer lugar. Um bom plano de proteção de viagem pode ajudar a evitar que qualquer um desses eventos inesperados se transforme em um desastre.
Coberturas
Acidentes e emergências podem acontecer no seu próprio quintal – e é por isso que é importante considerar esses quatro principais benefícios do seguro viagem doméstico.
- Cancelamento de viagem: uma doença de um familiar imediato ou uma emergência de trabalho pode fazer com que você cancele sua viagem e o Seguro Viagem World Nomads pode ajudá-lo a recuperar algum de seus custos de viagem pré-pagos não reembolsáveis por esses e outros motivos cobertos.
- Emergências médicas: despesas hospitalares e as visitas ao pronto-socorro podem ser consideravelmente mais caras, especialmente quando seu plano de saúde não possui cobertura fora do estado que você mora. Esses custos, por si só, são um ótimo motivo para comprar um Seguro Viagem para suas aventuras pelo Brasil.
- Interrupção de viagem: Às vezes, você pode encontrar um obstáculo na estrada – no sentido literal e figurado. Talvez o governo brasileiro tenha emitido um alerta de perigo ou seu companheiro de viagem tenha ficado doente. Este benefício cobre refeições, estadias em hotéis e outras despesas surpresas que você possa ter durante a sua viagem em território nacional.
- Evacuação médica: Às vezes, o melhor lugar para receber tratamento médico é em um hospital pertinho de casa. Certifique-se de ligar para a equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, para obter mais informações e as devidas aprovações.
Exclusões
É importante que você leia e entenda sua cobertura. Existem limites e exclusões que se aplicam a todos os viajantes segurados.
- Incidentes relacionados com álcool e drogas: Não há cobertura para qualquer doença, morte ou lesão relacionada ao álcool ou abuso de medicamentos, drogas ou qualquer outra substância tóxica.
- Quaisquer perdas relacionadas à participação em atividades ilegais: Por exemplo, se você se machucar ao saquear uma loja durante um tumulto ou manifestações.
- Pertences pessoais: Por exemplo, bicicletas, equipamentos profissionais e instrumentos musicais.
- Cancelamentos por parte de fornecedores de viagens: Se a companhia aérea ou operadora de turismo decidir cancelar sua viagem, você deve solicitar reembolsos e créditos ou remarcar sua viagem diretamente com seu fornecedor.
Este é apenas um resumo da cobertura e não inclui todos os termos e condições da apólice. É importante que você leia e entenda sua apólice, pois ela contém benefícios, condições, exclusões e exclusões de condições pré-existentes. Se você não entender sua cobertura ou se tiver dúvidas, basta nos perguntar.
Por que comprar o Seguro Viagem da World Nomads?
Além dos benefícios acima, o Seguro Viagem World Nomads também inclui importantes serviços e recursos de assistência, como:
-
Equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, que pode ajudar você a remarcar voos, localizar bagagem perdida ou substituir cartões de crédito roubados.
-
Nossa rede global de especialistas em segurança está disponível 24 horas por dia, 7 dias por semana. Você pode consultá-los para obter dicas de segurança e assistência paraevacuação.
-
A cobertura de diversos esportes e atividades de aventura faz parte de todos os nossos planos. Leia o artigo com mais detalhes sobre nossa cobertura de esportes e atividades de aventura.
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
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
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
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
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
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotaçãoWhat to do if you’re hurt in an accident
- As featured in:
As featured in:
- Safety comes first
- Seek medical attentiont
- Get it in writing
- Hold on to your receipts
- Need to know more?
- How does my travel insurance policy help me in an emergency?
1. Safety comes first
If you are seriously hurt during your overseas holiday, then make sure you attend a local medical centre or hospital immediately to receive medical attention.
2. Seek medical attention
If you’re experiencing an emergency our 24/7 Emergency Assistance Team can advise you of the nearest medical facility if you are unsure where to go, or if you need help navigating a foreign language.
Once you’re able to contact our 24/7 Emergency Assistance Team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location.
Once you’ve been admitted to hospital or reviewed by a doctor in a medical centre, you’ll need to contact our 24/7 Emergency Assistance Team to update them on your situation. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, then our Emergency Assistance Team will liaise with the hospital on your behalf to arrange payments.
For injuries where treatment costs are not expected to exceed AUD$2000, you pay all your medical fees, and then submit all your receipts to our claims department for reimbursement.
3. Get it in writing
If you’re injured and wish to claim for your medical expenses, always remember to collect as much supporting documents as possible. Some examples of documentation that you may need to provide include:
- Treating doctor’s report stating how the injury occurred and the diagnosis.
- Hospital admission report.
- Report from the emergency medical transport service (if taken to hospital by ambulance or helicopter).
- Medical imaging reports from any scans or tests that were conducted.
- If the police attended the scene of your accident, ask them for a police report.
- Medical centre or hospital invoices showing a list of the individual costs associated with your care and treatment.
4. Hold on to your receipts
Make sure you retain all your receipts if you intend on claiming for medical expenses. This includes receipts for any pharmaceutical products that you purchased in relation to your injury. If you cannot provide receipts to substantiate your treatment expenses, then your claim may be dismissed, or any payments that you do receive might not be for the full amounts.
It’s always a good idea to keep all documentation relating to your holiday in general, not just for your accident. As well as medical receipts, make sure you keep your itinerary, correspondence from airlines or hotels regarding cancellations, as well as all hospital, police and doctor’s reports.
5. Need to know more?
Always read your PDS carefully so that you will be clear about the limits, exclusions and benefits of your plan. Our Standard and Explorer plans both have different levels of cover. It’s your responsibility to know the details of your policy, including what is and what isn’t covered, in case you need to make a claim. Your PDS will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 teamWhat to do if you suddenly fall ill
- As featured in:
As featured in:
- Seek medical attention
- Get any reports in writing
- Retain all your receipts
- Cover for some Coronavirus-related events during your holiday
- Need to know more?
- How does my travel insurance policy help me in an emergency?
1. Seek medical attention
If you suddenly feel unwell at any time during your overseas trip, go to the nearest medical centre or hospital. An emergency transport service provider can carry you to the nearest hospital if you’re in too much pain to walk or take public transport.
In case you don’t know the whereabouts of your nearest hospital or doctor’s surgery, you can call our 24/7 Emergency Assistance Team who will direct you where to go. You’ll need to tell them your policy number, what seems to be wrong with you and your current location.
After being examined by a hospital or medical centre doctor, call our 24/7 Emergency Assistance Team again to update them on your situation. If you’re admitted to hospital, our Emergency Assistance Team will correspond with the Admissions Department regarding payments and care arrangements.
2. Get any reports in writing
You will need to provide copies of all reports in relation to your illness. Cover is only provided for illnesses that happen during your trip and not for any existing medical conditions. We may request a report on your medical history from your General Practitioner in Australia if we require further information. Types of reports you’ll need to obtain include:
- Emergency medical transport report (if taken to hospital by ambulance or helicopter).
- Treating doctor’s report stating the date you fell ill, the diagnosis and prognosis, as well as the causation of your illness.
- Hospital admission report stating the dates you were admitted and discharged from hospital.
- Other medical reports such as lab reports, specialist’s reports and public health emails confirming a Coronavirus (COVID-19) diagnosis.
- Any correspondence from airline, hotel or railway firms confirming cancellations of any accommodation or journeys that you had paid for.
3. Retain all your receipts
If you wish to claim for any expenses you incurred because of falling ill on your overseas holiday, then you’ll need to be able to provide your receipts. While it’s always necessary to keep receipts for your medical expenses, make sure that you keep any other receipts from your holiday as well. Receipts for hotel stays, flights and even dining receipts (if you experienced food poisoning) may be required to substantiate your claim. Examples of receipts that you should keep include:
- All hospital and doctor’s receipts
- Receipts for pharmaceutical products that you may have purchased
- Pathology receipts
- Hotel, airline, railway, bus company and/or restaurant receipts
4. Cover for some Coronavirus-related events during your holiday
If you or one of your travelling partners contracts COVID-19 at any time during your holiday, and you need to cancel your travel plans, then you may be able to claim for any non-refundable expenses that you had incurred. Your Explorer Plan cover must already be in effect (having already passed your 72-hour waiting period), at the time that you or one of your companions caught COVID-19.
To support your claim, you’ll need to obtain a treating doctor’s report or medical certificate stating the Coronavirus diagnosis. Other documents that you’ll need to provide include pathology reports or official health statements indicating a positive COVID-19 result for you or anyone in your travelling party. Any claims for non-refundable expenses will need to be supported by copies of your receipts.
Please note: Coronavirus cover varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
5. Need to know more?
This information may help if things go wrong and you want to make a claim. All 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. Your PDS will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 teamWhat to do if you have to cancel your trip due to illness or injury
- As featured in:
As featured in:
- Rearrange or cancel your bookings straight away
- Provide all written documents
- Don’t forget your receipts
- Cover for some COVID-19-related events
- Need to know more?
- What does my travel insurance cover?
1. Rearrange or cancel your bookings straight away
If you’re injured or get ill during your overseas holiday, ask your treating doctor to give you a report or medical certificate stating your diagnosis and period that you will be unfit for travel. Then contact the airlines and hotels with whom you have bookings as soon as reasonably possible. Try to make alternative arrangements for when you’ll be fit to resume your holiday.
If your doctor believes there is no option but to cancel your holiday and return home, then you may be covered for any of your previously paid, non-refundable expenses. However, if you are only unfit for a brief period, then your expenses may only be covered for the time stated on your medical certificate, not for the remainder of your holiday.
Don’t leave it to the last minute to cancel or rearrange your hotel or airline bookings as this may lead to additional costs. If you delay notifying these organisations, then your claim for expenses may not be approved.
Any cover offered for accommodation and flights will only be made up to the maximum benefit limits stated in your PDS. That’s why it’s important to read through your policy so that you know the applicable terms, limits, exclusions, and benefits.
2. Provide all written documents
To submit a claim for expenses, you’ll need to submit all the medical reports related to your illness or injury, as well as general correspondence regarding your cancellations. Examples of reports you’ll need to provide include:
- The treating doctor’s report or medical certificate must state the diagnosis, date of injury or when you first noticed the symptoms of your illness, and period that you’ll be unfit to travel.
- The specialist’s report and other medical reports including any medical imaging and pathology reports.
- A hospital admission report confirming the dates that you were admitted and discharged.
- Emergency medical transport reports if you were taken to hospital by an ambulance or helicopter.
- Police report (if the police were called to the scene of your accident).
- Emails or letters from hotels or airlines regarding your cancellations.
- Your itinerary.
3. Don’t forget your receipts
If you cannot provide receipts for your accommodation, flights, and treatment expenses, then your claim may be dismissed, or any payment that you do receive might only be for a minimal amount. Types of receipts that you’ll need to provide include the following:
- Receipts for doctor’s consultations, hospital stays, medical imaging tests, and consultations with any allied health providers.
- Pharmaceutical products.
- Accommodation, flights, train or bus journeys.
4. Cover for some COVID-19-related events
If you or one of your travelling companions’ contracts Coronavirus (COVID-19) during your overseas holiday, and have to cancel the rest of your trip, then your pre-paid, non-refundable travel expenses may be covered if you have selected the Explorer Plan.
You’ll need to ask your treating doctor for a report stating the diagnosis of COVID-19, as well as a pathology report or public health statement indicating a positive COVID-19 result.
If you are diagnosed with COVID-19 within the 72-hour waiting period after being issued with your Certificate of Insurance, then your non-refundable travel expenses may not be covered.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover varies between plans.
5. Need to know more?
This information may help if things go wrong and you want to make a claim. All 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. Your PDS will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
What does my travel insurance cover?
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 a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
- As featured in:
As featured in:
Travel Insurance when visiting Croatia
Always exciting and beautiful, Croatia has enjoyed a surge in tourism in the last decade, especially in the summer. Croatia has incredible national parks, such as those in Krka and Northern Velebit, a vibrant capital, Zagreb, and picturesque beaches on the Adriatic coast.
- Lost, stolen or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our 24/7 Emergency Assistance Team
- Cover for activities and sports when in Croatia
- Are you looking for more travel inspiration for Croatia?
While you dream of exploring the popular TV show locations in Dubrovnik, take in the bustling restaurants and bars of Split, or delve into the history and museums located in Zadar, you may want to consider some travel insurance for any unexpected events that may occur.
Lost, stolen or delayed baggage cover
It can throw a spanner in the works to arrive in Zagreb and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. If you're bags get lost in transit, or are stolen or damaged along the way, baggage insurance may be able to help.
Note: all 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.
World Nomads may offer cover (up to the policy limits) for loss, theft or damage to baggage or personal items depending on your specific situation, see below:
- Bags stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged, please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. Insurance won’t cover bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- Bags delayed: you may be covered if your bags were lost in transit. You’ll need to report the incident and get a Property Irregularity Report, or a similar official report, in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your country of residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to Croatia, travel insurance may help if you become unwell or have an accident, especially in these uncertain times of traveling and dealing with Coronavirus (COVID-19). 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.
With Coronavirus causing travel disruptions globally, it’s also important that you follow any government guidelines while in Croatia. It’s always a good idea to wear a face mask when visiting any of Croatia’s popular hotspots.
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 Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team
Dealing with a medical emergency can be frightening and confusing, but you don’t have to go through this experience on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, need help with a foreign language, help out with admin and arrange for payment of expenses if necessary. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Croatia
If you’re looking to get your adrenaline levels up and you go hiking, backpacking, or rock climbing in one of Croatia’s eight incredible National parks, World Nomads offers travel insurance cover for 150+ activities and sports. Please check your Policy Wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
New Entry/Exit System (EES) starts October 2025
If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.
The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.
Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
ETIAS delayed until 2026
The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.
Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go.
The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.
While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.
Learn more about the ETIAS by checking out our Travel Wiser article.
Are you looking for more travel inspiration for Croatia?
World Nomads has various articles that cover a range of fun topics on Croatia, such as 7 places in Croatia you haven’t heard of , 7 safety tips for travel around Croatia, and the latest travel alerts for Croatia.
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.
Travel insurance tip 1: never leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices (tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices), jewelry, specified high- value items, travel documents, cash and credit cards with you at all times. If you can’t, then leave them in a secure place such as a locked safe. Remember that if you buy anything, before or during your trip, to keep all receipts.
Traveler Tip 2: undetonated landmines from the Croatian War of Independence in the 1990s are littered throughout some mountains and woodland areas, so it’s best to stick to the commonly used hiking trails.
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 team
