Travel Insurance when visiting Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks
- As featured in:
As featured in:
Thailand should be on every global travelers’ radar as it offers a mix of white sand beaches, ornate temples, and lush forests. With so much to explore, you may want to consider the benefits of travel insurance for you and your travel companions.
With World Nomads, you can buy travel insurance as soon as your trip is locked in and you're ready to go, or while you're on the road traveling around Thailand.
What’s Covered
World Nomads has two plans which cover an array of activities ranging from mountain biking to snorkelling, hiking, kayaking, surfing, scuba diving and more. Depending on your Country of Residence and the plan you choose, World Nomads plans offer cover (up to the benefit limits) for:
- Emergency medical: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while in Chiang Mai.
- Evacuation: approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Assistance team.
- Trip cancellation: has a sick or injured traveling companion put a stop to your Thailand trip? Your plan may be able to recover the unused, non-refundable travel expenses.
- Gear protection: had your camera stolen while trekking in Thailand? Our gear coverage can help with replacing belongings swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
- Lost, stolen, or damaged baggage cover: we offer cover for baggage and items which you take with you or buy during your trip if they are stolen, damaged or destroyed, or if lost or damaged by a carrier. You must report all theft or loss to the police as well as to the common carrier, service provider or other local authority as soon as possible.
- Coronavirus cover: we offer cover for some Coronavirus related events. To find out more click here.
Traveler tip 1: if you’ve suffered a theft, get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report. You should also have copies of the original receipts for your valuables and any luggage tickets.
Why should I consider insurance for Thailand?
World Nomads has two travel insurance plans to choose from, Standard vs Explorer. Both plans can help if you suddenly up in hospital with a bad case of food poisoning, or if you’ve had bags or valuables stolen. A worst-case scenario is if you are badly injured and need to be repatriated back to your Country of Residence as this can be very costly.
Traveler tip 2: To travel to Thailand, you’ll need to seek permission using the Royal Thai Government’s online platform – Thailand Pass and be approved before entering. Requirements for a Thailand Pass include a vaccination certificate, a negative COVID test from three days before departure and travel insurance with a minimum coverage of US$50,213 (AUD$70,000). For the latest Thailand travel alerts and restrictions click here.
What to look out for when traveling around Thailand
Beware theft and pickpockets
While Thailand is amongst the safest places to travel, there is always the chance that you could be the victim of a theft. Make sure you keep a copy of your receipts as you’ll need proof of ownership for any claims should your items get stolen. All World Nomads travel insurance plans will have some baggage coverage if your bags and valuables are stolen or damaged. However, with any insurance plan, benefit limits, conditions and exclusions may apply.
Keep an eye on your gear 24/7
It’s very important that you NEVER leave your valuables out of sight. You can find out more about our travel cover for tech gear and other high value items here. Make copies of all key documents such as, passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets, and keep them separate from the originals so you’ll have proof of purchase if the originals go missing. Exercise caution in crowded areas and on public transport; padlocking your bags to the luggage rack if you’re on an overnight train or bus is always a good idea.
Surviving Thailand’s food markets
You're going to find a variety of delicious food while traveling in Thailand, but food preparation standards can vary. Gastro and its unpleasant side effects are one of the more common medical complaints our travelers have experienced while in Thailand.
Our 24/7 Emergency Assistance team can help you find a doctor, particularly useful in Thailand’s remote areas, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation. Hospitals in Thailand (especially around Bangkok or Phuket) are well-equipped to treat you even if they may seem less modern than facilities you’d find at home.
Here are some simple actions that can help in case of gastro:
- Always wash your hands before and after eating or use a hand sanitizer.
- Never eat anything that's been sitting around, even for a short while.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding Motorbikes and Scooters
It’s easy to rent a motorcycle, so it’s not surprising that we see everything from exhaust pipe burns to extreme injuries caused by crashes, which can sometimes be fatal.
If you choose to ride, be sure to select a travel insurance plan that covers motorbike and scooter use.
Depending on your Country of Residence and the plan you’ve selected, we may offer coverage for global travelers hurt in motorcycle accidents for:
- Emergency medical expenses for treatment at the hospital or by a doctor at the local medical centre.
- Evacuation to more suitable medical facility if it’s urgent, medically necessary and if you’re fit to travel.
- Repatriation if you’re seriously ill or injured and unable to continue your trip.
For your coverage to take effect, certain conditions apply:
- You must have a valid driver’s license from your country of residence and as required in the relevant country where you're traveling.
- You need to comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive drunk).
Traveler tip 3: if you’re intending to rent a car or motorbike you must check the licensing and local laws for the country you’re going to. You must also be adequately insured elsewhere, as you are not covered under this insurance for third party liability in respect of any mechanical or motorized vehicle.
If you need medical treatment, evacuation, or repatriation, you or a travel companion MUST contact our 24-hour Emergency Assistance team as soon as possible. Limits and exclusions to coverage will apply so read your policy carefully for full details.
For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.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.
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 visiting Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks
- As featured in:
As featured in:
With its beautiful beaches, vibrant cities, and rich cultural heritage, it’s easy to see why New Zealanders want to visit Thailand. However, unexpected issues can arise during any trip.
Here’s why you should consider travel insurance for your Thailand adventure.
- What’s covered in Thailand
- Why should I consider travel insurance for Thailand?
- What to look out for when travelling around Thailand
- What’s not covered
- FAQs for travel to Thailand
What’s covered in Thailand
Our policies can offer cover (up to policy limits) for benefits including:
- Emergency medical treatment
- Medical evacuation and repatriation
- More than 150 activities, sports, and experiences
- Trip cancellation and delay
- Baggage and personal belongings
- Cover for families
- Cover for extended stays and if you’re working
For over 20 years, World Nomads has helped adventurous travellers like you with travel insurance tailored for your journey. With our policies, you can enjoy emergency medical treatment, medical evacuation, trip cancellation benefits, baggage protection, cover for over 150 sports and activities, and many more benefits.
World Nomads offers two plans – Standard and Explorer. Each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.
Why should I consider travel insurance for Thailand?
With affordable accommodation, delicious food and adventures from scuba diving in Phuket to hiking Khao Luang - Thailand is a traveller’s dream. Our policies may cover you if your passport is stolen whilst browsing the Pattaya floating market or if your trip is cancelled due to extreme weather.
Our policies also offer cover for families looking for a relaxing break and digital nomads remote working in Chiang Mai.
What to look out for when travelling around Thailand
Beware of theft and pickpockets
While Thailand is a relatively safe place to travel, pickpockets are active in tourist areas. World Nomads travel insurance plans have some coverage if your bags and valuables are stolen or damaged.
Traveller tip 1: Make copies of all key documents such as passport, ID, travel insurance, receipts, vouchers and transportation tickets so you’ll have proof of purchase for any claims.
Keep an eye on your gear 24/7
It’s very important that you NEVER let your valuables out of sight. Exercise caution in crowded areas and on public transport.
Traveller tip 2: if you’re a victim of theft, get a Property Irregularity Report or other incident report so you can submit it with your claim, as well as a police report.
Surviving traveller's diarrhea
If you eat something that doesn’t agree with you and need medical assistance our 24/7 Emergency Assistance Team is here to help. The multi-lingual team can help you find a doctor or a, particularly useful in Thailand’s remote area, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation.
Stay healthy and avoid gastro with these tips:
- Always wash your hands or use hand sanitizer.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding motorbikes and scooters
Our policies may cover you (up to policy limits) if you ride a motorbike or scooter in Thailand for:
- Emergency medical expenses
- Evacuation to suitable medical facility if required
- Repatriation if you’re seriously ill or injured
To be covered for motorbike, scooter or moped use you must:
- select the activity when you purchase your policy. Activities cannot be added after policy purchase.
- have a valid driver’s license for the same class of vehicle in New Zealand, and as required in Thailand.
- comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive under the influence of alcohol or drugs).
What do I do if I’m sick or injured and need assistance?
If you need emergency medical help, contact the 24-hour Emergency Assistance Team as soon as possible. They will contact suitable assistance and arrange medical care.
If you have general questions about your policy, you can contact us.
What’s not covered
There are some things we can’t cover, including, but not limited to:
- Participation in any activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
- Existing medical conditions
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government (see SafeTravel)
- Unsupervised baggage or personal items
- Being intoxicated by alcohol or drugs or acting illegally.
Always check the terms, conditions limits and exclusions of your policy. If you’re not sure about something or have any questions, contact us.
Are you looking for more travel inspiration for Thailand?
World Nomads has various articles that cover a range of fun topics on Bali, such as:
- Planning a Trip to Thailand: What to Know Before You Go
- Bangkok, Thailand: Insider Tips for Planning Your Trip
- 5 Ways to Get Off the Beaten Path in Thailand
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.
FAQs for travel to Thailand
Here are our most frequently asked questions about Thailand and travel insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
-
Do I need a Visa for Thailand?
From 2025 travellers from 93 visa-exempt countries including New Zealand will have to apply for a mandatory electronic travel authorisation (ETA) permit. A pilot phase is due to begin in December 2024, with a full roll-out by June 2025.
Travellers will need to apply for the free ETA online before arriving for tourist visits up to 60 days.
For more information visit the Thailand e-visa website.
-
I’m in Thailand right now – can I buy, change or upgrade my policy?
You can purchase a World Nomads policy online while you’re travelling, although a 72-hour waiting period may apply. You can also make some changes to your existing policy online via your World Nomads membership, or by contacting us. You can also extend your policy if you want to keep travelling. Be aware there are some policy changes you can’t make.
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 Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks.
- As featured in:
As featured in:
With white sandy beaches, beautiful temples, and island hideaways, Thailand is a top destination for Aussies looking to unwind. Although Thailand is a friendly country the unexpected can happen, so consider taking World Nomads travel insurance with you.
- What’s covered in Thailand
- Why should I consider travel insurance for Thailand?
- What to look out for when travelling around Thailand
- What’s not covered
- FAQs for travel to Thailand
What’s covered in Thailand
Our policies can offer cover (up to policy limits) for benefits including:
- Emergency medical treatment
- Medical evacuation and repatriation
- More than 150 activities, sports, and experiences
- Trip cancellation and delay
- Baggage and personal belongings
- Coronavirus-related events
- Cover for families
- Cover for extended stays and if you’re working
For over 20 years, World Nomads has helped adventurous travellers like you with travel insurance tailored for your journey. With our policies, you can enjoy emergency medical treatment, medical evacuation, trip cancellation benefits, baggage protection, cover for over 150 sports and activities, and many more benefits.
World Nomads offers two plans – Standard and Explorer. Each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.
Why should I consider travel insurance for Thailand?
With affordable accommodation, delicious food and adventures from scuba diving in Phuket to hiking Khao Luang - Thailand is a traveller’s dream. Our policies may cover you if your passport is stolen whilst browsing the Pattaya floating market or if your trip is cancelled due to extreme weather.
Our policies also offer cover for families looking for a relaxing break and digital nomads remote working in Chiang Mai.
What to look out for when travelling around Thailand
Beware of theft and pickpockets
While Thailand is a relatively safe place to travel, pickpockets are active in tourist areas. World Nomads travel insurance plans have some coverage if your bags and valuables are stolen or damaged.
Traveller tip 1: Make copies of all key documents such as passport, ID, travel insurance, receipts, vouchers and transportation tickets so you’ll have proof of purchase for any claims.
Keep an eye on your gear 24/7
It’s very important that you NEVER let your valuables out of sight. Exercise caution in crowded areas and on public transport.
Traveller tip 2: if you’re a victim of theft, get a Property Irregularity Report or other incident report so you can submit it with your claim, as well as a police report.
Surviving traveller's diarrhea
If you eat something that doesn’t agree with you and need medical assistance our 24/7 Emergency Assistance Team is here to help. The multi-lingual team can help you find a doctor or a, particularly useful in Thailand’s remote area, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation.
Stay healthy and avoid gastro with these tips:
- Always wash your hands or use hand sanitizer.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding Motorbikes and Scooters
Our policies may cover you (up to policy limits) if you ride a motorbike or scooter in Thailand for:
- Emergency medical expenses
- Evacuation to suitable medical facility if required
- Repatriation if you’re seriously ill or injured
To be covered for motorbike, scooter or moped use you must:
- select the activity when you purchase your policy. Activities cannot be added after policy purchase.
- have a valid driver’s license for the same class of vehicle in Australia, and as required in Thailand.
- comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive under the influence of alcohol or drugs).
What do I do if I’m sick or injured and need assistance?
If you need emergency medical help, contact our 24-hour Emergency Assistance Team as soon as possible. They will contact suitable assistance and arrange medical care.
If you have general questions about your policy, you can contact us.
What’s not covered
There are some things we can’t cover, including, but not limited to:
- Participation in any activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
- Existing medical conditions
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see www.smartraveller.gov.au)
- Unsupervised baggage or personal items
- Being intoxicated by alcohol or drugs or acting illegally.
Always check the terms, conditions limits and exclusions of your policy. If you’re not sure about something or have any questions, contact us.
Are you looking for more travel inspiration for Thailand?
World Nomads has various articles that cover a range of fun topics on Bali, such as:
- Planning a Trip to Thailand: What to Know Before You Go
- Bangkok, Thailand: Insider Tips for Planning Your Trip
- 5 Ways to Get Off the Beaten Path in Thailand
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.
FAQs for travel to Thailand
Here are our most frequently asked questions about Thailand and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
-
Do I need a Visa for Thailand?
From 2025 travellers from 93 visa-exempt countries including Australia will have to apply for a mandatory electronic travel authorisation (ETA) permit. A pilot phase is due to begin in December 2024, with a full roll-out by June 2025.
Travellers will need to apply for the free ETA online before arriving for tourist visits up to 60 days.
For more information visit the Thailand e-visa website.
-
I’m in Thailand right now – can I buy, change or upgrade my policy?
You can purchase a World Nomads policy online while you’re travelling, although a 72-hour waiting period may apply. You can also make some changes to your existing policy online via your World Nomads membership, or by contacting us. You can also extend your policy if you want to keep travelling. Be aware there are some policy changes you can’t make.
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 rock climbing
Check out World Nomads travel insurance plans when rock climbing. Be adequately covered if injuries or extreme weather issues strike.
- As featured in:
As featured in:
Travel insurance when rock climbing
When looking for a mix of thrills, adventure and breath-taking natural landscapes, rock climbing delivers on all three. With so many top rock climbing destinations globally such as the Dolomites in Italy, Kalymnos in Greece, and Yosemite National Park in the USA, adrenaline junkies don’t have to look far.
Whether you’re a beginner or an experienced climber you may want to consider travel insurance as rock climbing can test your physical and mental abilities.
Insurance is essential if you are injured, severe weather derails your trip, or your equipment is lost or damaged.
- What's covered when rock climbing?
- Cover for more than 150 adventure and sports activities on both World Nomads plans
- What am I covered for?
- What's not covered?
- Key insurance tips for your rock climbing trip
What's covered when rock climbing?
World Nomads covers most rock climbing activities whether it is an indoor rock climbing day with friends or a week away at Yosemite National Park. However, we will not be able to cover you for rock climbing over 6,000 metres (19,685 feet) or if you plan on free soloing.
Depending on your Country of Residence and whether you’ve selected the Standard or Explorer plan, we may offer coverage for rock climbing for the following:
- Rock climbing (indoor)
- Rock climbing (bouldering)
- Rock climbing outdoor under 6,000m (19,685 feet)- multi-pitch climbing / sport climbing / bolted / aid climbing / traditional climbing / top or bottom rope climbing.
Residents of some countries may require an upgrade to include certain rock climbing activities and at certain altitudes.
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.
Travel insurance tip: to have cover for an adventure sport or activity, 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, 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.
What am I covered for?
Travel insurance is designed for many reasons, for example if extreme weather derails your rock climbing trip, However, there are specific reasons why it’s important for a rock climbing trip. World Nomads offers coverage (up to the policy limits) for:
- Baggage protection: had your ropes or rappelling gear stolen while rock climbing? Our gear coverage may help to replace belongings that were swiped.
- Emergency medical: rock climbing and fresh air can be great for the body and soul but not if it ends up in a bad fall. Emergency medical coverage will help in the case of an accident or when you need urgent medical treatment for an injury. 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 next rock climbing 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. Please note that remote travel is not covered.
- Trip cancellation: has a sick or injured traveling companion put a stop to your rock climbing adventure? Depending on your plan, you may be able to recover your travel expenses.
- Coverage for some Coronavirus (COVID-19)-related events: depending on your Country of Residence and the plan you’ve selected you may be covered for some Coronavirus-related events. To find out more, read our What’s Covered for Coronavirus article.
What's not covered?
Some things we may not cover include:
- Training for and/or participating in an activity at a professional level.
- Competing at an international event as a national representative.
- Going against local authority warnings by entering closed or restricted areas or places or putting yourself in an unsafe or dangerous situation.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Any remote search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe).
- Unattended baggage or personal items.
Key insurance tips for your rock climbing trip
- Got your paperwork?: you’ll need the right visas and permits wherever you go to climb – insurance doesn’t cover you for not doing your paperwork.
- Know where to go… and where not to: check you can camp / climb or just generally be wherever that ‘hot’ climbing spot is. You don’t want to find yourself spending dinner in the local police station instead of the local bar… and insurance doesn’t cover you for illegal acts,
- Proof of purchase: yep, any claim you make will need supporting documentation such as receipts of your purchases.
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your climbing instructor (if it’s a group climb) – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a rock climbing destination or activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your gear: don’t leave your expensive rock climbing gear or any other baggage unattended -those 'I spaced out” moments might not qualify for coverage.
- Be responsible: Choose a tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
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 & exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
True Claims Stories
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 teamEssential tips for first-time World Nomads travel insurance buyers
- As featured in:
As featured in:
You may be weighing up the pros and cons of travel insurance for your next trip overseas, especially if you’ve never used it before. With Coronavirus adding an extra level of uncertainty, now could be the right time to consider travel insurance.
World Nomads offers insurance for travelers aged between 18 and 69. Our policies are available to travelers from more than 100 countries worldwide. You can get a quote online and be covered in no time.
If you’ve never had the need for travel insurance but you are thinking about buying it for your next trip, some of the scenarios where it may help include:
- If you need to cancel or curtail your trip because you’re sick.
- If you want your tech gear, valuables, and baggage covered.
- If you need emergency treatment during your trip due to an unexpected illness or injury.
- If you plan to do several activities and sports and need that extra level of cover.
- If you end up stuck at the airport for an extended period due to a travel delay or trip interruption.
What to look out for when considering travel insurance
Get a doctor to approve your fit to travel: know your own medical needs, for example, whether you have pre-existing medical condition(s) that may invalidate your cover. You may need to have a doctor’s sign off that you’re fit to travel, for example, if you’re pregnant and having pregnancy-related complications or if you’re unsure about a specific medical condition.
Research all your travel destinations: always do your research on the countries or regions you plan to visit. Check government travel advisories as they can change rapidly. Check out our travel alerts, and health organizations advisories, such as the World Health Organization.
Take time out to read the fine print: check your policy’s benefit limits, terms and conditions and exclusions to ensure you are getting the right level of cover for your travel plans and destinations to cover any potential claims. You can always get in touch with the Customer Service team who can help answer any questions.
Ensure all activities and sports are covered: our plans include cover for more than 200 activities globally, from backpacking to kayaking, hiking, and bungee jumping, but not all are covered under every plan – you can find out what is available for your Country of Residence here. You may need to pay an additional premium for higher-risk activities or choose a different plan. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
We’re here to help in case of emergency: make sure to know what to do in case of an emergency, which you can discuss with our 24/7 Emergency Assistance Team.
I have never bought World Nomads travel insurance. Why should I consider it?
For many first-time buyers, buying travel insurance can be daunting and confusing. At World Nomads, we have made choosing a travel insurance plan less time-consuming and stressful by offering two travel insurance plans with different levels of cover depending on your travel needs.
Standard Plan: includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities.
Explorer Plan: has all the benefits of a Standard Plan and a few more, but it is more expensive.
Check out our Standard vs Explorer article for information on coverage, benefit limits, terms and conditions and exclusions.
Can I buy or extend my travel insurance while overseas?
With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere or want to change direction on a whim, we are happy to extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.
Traveler tip: if you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated. The maximum duration available for any policy, including extensions, is 12 months from the start date.
Does World Nomads travel insurance include cover for Coronavirus-related events?
We offer cover for some Coronavirus-related events, however level of coverage under our Standard and Explorer Plans will depend on your Country of Residence and the plan you’ve selected.
If you are diagnosed with Coronavirus while overseas, your benefits may include:
- 24/7 access to our Emergency Assistance Team, who can help you access local medical care.
- Medical costs including hospitalization.
- Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.
Some of our Explorer plans offer cover for some additional Coronavirus-related insured events, such as cancellation following a COVID-19 diagnosis, to assist our travelers.
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, conditions and exclusions.
Things to look out for when buying travel insurance:
- Make sure you correctly choose the right trip dates, age limit, and level of cover.
- Ensure all your destinations are covered.
- Make sure you understand what a pre-existing medical condition is under our policy.
- Some activities and sports may require extra level of cover or may not be covered.
- Make sure you clearly understand the benefit limits and the excess as per the level of cover you’ve selected.
- Understand that there will be General Exclusions in your cover for which you won’t be covered under any circumstances.
- Make copies of travel documents and keep receipts in case you need to make a claim.
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.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
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 teamTravel Insurance for Natural Disasters
How Americans can safeguard their travel plans from extreme weather with insurance coverage for natural disasters.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- Does travel insurance provide coverage for natural disasters?
- What qualifies as a natural disaster?
- How does it work?
- What is not covered under natural disasters?
Yes, there’s coverage for US residents if a natural disaster such as a tornado, flood, cyclone, hurricane, tsunami, wildfire or earthquake affects your travel plans and/or injures you.
It’s one thing if a rainy day washes out your trekking expedition, but what if a hurricane blows the roof off your hotel? When a natural disaster strikes, it’s hard to classify your trip as anything but… a disaster. World Nomads can offer some much-needed weatherproofing, with protection for trip cancellations, medical emergencies and more.
Does travel insurance provide coverage for natural disasters?
While the forces of nature are unpredictable, your travel insurance* should be a sure thing you can count on. However, you need to have purchased your plan before these forces of mass destruction have become known events. If you did that, then you may be eligible for coverage if:
- Trip cancellation or trip interruption: say a tornado rips through your hotel, leaving it in a state unsuitable for guests. Or the company where you work gets ravaged by a flood and you’re part of the team that has to put things back together again. Understandably, you may want to put a stop to your travels and get your money back for the parts you missed.
- Trip delays: if a blizzard (or other inclement weather) delays your common carrier transportation for at least six hours, this coverage may offer reimbursement for incidentals to help you manage while you’re waiting.
- Emergency medical expense and emergency evacuation: if you get caught in the aftermath of an earthquake or hurricane, you could get seriously injured. What could help if you’re injured or in imminent physical danger? Emergency medical benefits, which may help protect you from hefty out-of-pocket medical bills.
- Non-medical emergency transportation: our plans cover evacuation up to the specified maximum benefit amount to get you away from an area impacted by a recent natural disaster. Benefits may cover all reasonable natural disaster evacuation expenses and related costs incurred for your transportation, up to your plan’s maximum limits.
- Baggage return: If you are evacuated and have to leave your baggage behind (because there are weight limits on the aircraft evacuating you, for example), we may reimburse you (up to maximum benefits) for the cost of transporting your baggage home or to the destination you’ve been taken to.
You can find out more about what’s covered in each of our single-trip and annual plans in our article, What travel insurance plan is right for you?
What qualifies as a natural disaster?
A natural disaster is a natural event that causes destruction or loss, such as an earthquake, flood, wildfire, hurricane, blizzard or volcanic eruption. It could also include naturally occurring wildfires, snow, rain, wind or related weather that causes severe and widespread damage, triggering a travel advisory from the US Government or a ‘natural disaster’ declaration at your trip destination. For more details on the definition of a natural disaster, read the details of your plan.
How does it work?
Whether it be trip interruption, cancellation or baggage, you’ll need to inform us of your situation as soon as possible. We may be able to assist in helping you figure out an emergency plan. In terms of filing a claim, be sure to gather the following documentation, as it pertains to your case:
- Proof of all non-refundable, prepaid deposits or payments;
- Complete unused transportation tickets and vouchers;
- Original receipts for any expenses incurred because of the natural disaster;
- Original receipts for any new tickets;
- Invoices and original receipts from travel service providers.
What is not covered under natural disasters?
- If a natural disaster was already forecast or announced when you purchased your plan (it’s on the news, for example).
- Any extreme weather that’s not defined as a natural disaster under the plan.
- Fear of traveling to a destination where a natural disaster is looming (in other words, unless the natural disaster occurs, you won’t be eligible for benefits).
- Search-and-rescue missions, like during an avalanche.
- Any weather conditions that only cause a loss of enjoyment (such as if a storm ruins your beach day but doesn’t cause any major destruction.)
- Storm-chasing activities. You must not have put yourself in the path of danger.
If you’re worried about travelling and have purchased our Explorer or Epic plan along with the optional add-on ‘Cancel For Any Reason’ insurance during the time-sensitive period, changing your mind is perfectly ok. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Did you know?
Following the 2004 Indian Ocean tsunami, which overwhelmed large parts of Indonesia, World Nomads launched our travel philanthropy program, Footprints, which has gone on to raise millions for community projects including disaster risk management in the developing world.
Our responsible travel section has more information on our Footprints program.
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 hospitalized?
- 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 teamReady to reconnect?
Reunite with your family. Reconnect with nature. Disconnect from the daily grind. Whatever your reason for traveling, we’re here to help protect your trip.
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As featured in:
In this unpredictable world, it’s important to travel safer and smarter. Whether you’re planning your reunion or your escape, let us help you travel with confidence. We're ready when you are.
Travel insurance benefits: how we can take care of you
Emergency medical coverage
If you get sick or injured, our plans have emergency medical coverage and other related benefits to help.
Trip cancellation
If you need to unexpectedly cancel for a covered reason, we may be able to help you recover your investment.
Adventure sports and activities
We love to explore our boundaries when we travel, which is why we cover more than 150 adventure activities.
Buy cover while traveling
If you’re traveling and forgot your travel insurance, you can buy a plan online at any point of your journey.
24/7 Emergency Assistance
Our team can help you out in a crisis at any hour of the day, no matter where you are in the world.
Support local communities
Though our Footprints micro-donation program, you can help support good causes and communities in need.
