Travel Insurance for Portugal
From the seaside to historical castles, learn how travel insurance can benefit Americans traveling to Portugal.
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As featured in:
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.
At a glance:
- Travel insurance benefits for Portugal may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across Portugal (surfing included!)
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Portugal?
- Travel insurance for activities in Portugal
- Travel insurance for medical emergencies in Portugal
- Travel insurance for lost bags in Portugal
- Travel insurance for canceled, interrupted, or delayed trips to Portugal
- Tips for traveling to Portugal from the United States
Whether you want to listen to Fado music and sip ginja in Lisbon, wander the medieval streets of Coimbra, lounge at the beach on the Alentejo Coast, island hop in the Azores, or take a road trip through the wineries of the Duoro Valley, Portugal welcomes thousands of Americans each year.
While a vacation to Portugal is an amazing opportunity, there are some things to be aware of when you’re visiting from the US. Our nomads have experienced everything from lost baggage to natural disasters. We’ve learned quite a bit in our travels, and we encourage you to consider investing in travel insurance* to protect your adventure to Portugal.
Do I need travel insurance for Portugal?
International travel can bring all kinds of unexpected surprises - like the roaring waterfalls you can find on the island of Madeira.
Some surprises are not as great. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you get injured while trying to surf a major swell in Nazare, you may then wish that you had travel insurance for Portugal.
World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in Portugal
From its wild coast to its jagged mountains, Portugal has many fun adventures awaiting travelers. World Nomads covers more than 250 activities for Americans traveling to Portugal and includes things like cycling around Portugal, hiking through the vibrant terrain of Parque Natural da Arrábida, and taking a journey inside a dormant volcano on Terceira Island in the Azores.
Before you get a quote for your travel insurance for Portugal, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.
Scuba diving in the subtropical waters around Madeira and surfing in the Algarve will be covered by all insurance plans, including the Standard Plan. If your daredevil side is itching to go cliff-jumping off some of Portugal’s amazing cliffs – such as at Praia do Carvalho, Benagil – you’ll want to upgrade to the Explorer or Epic Plan.
Travel insurance for medical emergencies in Portugal
Accidents are never anticipated or fun, but they’re a reality of travel. What if you’re on day three of your multi-day trek on the Madeira Island Ultra trail and you lose your footing and sprain your ankle? There’s a good chance you’ll need to seek medical attention.
If you have a medical emergency when traveling to Portugal, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your Portuguese medical team if there are language barriers.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Portugal may cover the costs to get you there.
To streamline your experience seeking medical treatment in Portugal, we recommend signing up for our Portable Health Records before your trip. This non-insurance service makes your documents, prescriptions, test results, and emergency contacts accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.
Travel insurance for lost bags in Portugal
Nobody plans for lost bags, but it happens. It’s less than ideal to arrive in Lisbon and realize that the airline lost your bag, including your swim suit that you brought to master waves in Ericeira – Portugal’s surfing capital. Your travel insurance for Portugal may reimburse you for the cost to replace your suit and other belongings (up to plan limits, conditions and exclusions apply).
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful. If your bag is delayed by more than 12 hours, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Travel insurance for canceled, interrupted, or delayed trips to Portugal
You may have planned every detail to your Portuguese vacation, down to hotel and car bookings, a road trip itinerary, and your excursions. Nonetheless, you can’t predict every element of your trip. Things happen that can cancel, interrupt, or delay your trip so it’s important to find an insurance plan that covers trip cancellation and delays.
Sometimes unexpected situations happen that can derail your plans. What happens if you get sick a few days before leaving for Portugal? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for Portugal that includes cancellation coverage could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
Travel insurance could help if you’re already on your trip and something happens. For example, you may need to go back to the United States early if an immediate family member has an unexpected medical emergency or dies.
The Explorer and Epic Plan also covers for a number of travel inconveniences that may arise during your trip to Portugal if you purchased your plan during the time sensitive period. You might be on a week-long cruise around the Azores and your port call at Sao Miguel gets canceled due to a storm. World Nomads travel insurance may compensate you for this inconvenience.
If you want an additional safety net for your trip, consider purchasing CFAR (cancel for any reason) as an add-on benefit to your Explorer or Epic Plan during the time sensitive period. Whether you simply change your mind or need to cancel your vacation for any reason not covered by the insurance plan, CFAR allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise or a cultural excursion.
Tips for traveling to Portugal from the United States
Before you leave the U.S., we encourage you to check out the U.S. government’s safety warnings for Portugal. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for Portugal, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Portugal is typically a welcoming country known for its hospitality. Having a sense of awareness and an eye on your belongings is always a good idea, especially in more crowded destinations like the palaces in Sintra or a busy nightclub in Lisbon.
It is helpful to learn a few Portuguese phrases so you can communicate with and connect to locals. While you’re at it, check out our team’s tips on things to know before you visit Portugal. Don’t be afraid to veer from the typical tourist spots, either. Portugal is famed for its coastal cuisine, vinho verde and Port wines (among other varietals), windy coasts, rolling farmland, and historic centers—have fun!
*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.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 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 teamSailing Travel Insurance Coverage
US Residents can sail with confidence with travel insurance protection
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At a glance:
- All World Nomads plans cover sailing, with some plans that offer higher limits of coverage.
- Coverage for injuries if you're seriously hurt while sailing. Transportation if your condition is severe, acute, or life-threatening and adequate treatment if not available in your immediate area. Additional terms apply.
- Gear & Baggage Protection helps cover lost, stolen, or damaged sailing gear and luggage.
- Choose from Standard, Explorer, Epic or Annual plans to match your sailing trip style, budget and activities.
- Plus, optional Cancel for Any Reason upgrade available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance for my sailing trip?
- Sailing travel insurance benefits
- Plan levels for sailing trips
- What's not covered
- Top safety tips we recommend for your sailing trip
- FAQs
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.
Whether you're planning to sail the crystal waters of the Galapagos Islands or keep pace with bottlenose dolphins along the Fumba Peninsula in Zanzibar, you're guaranteed an ocean adventure when you set sail on the open waters. But whenever you're surrounded by water, you should be prepared for the unexpected. Our travel protection plans include a range of travel insurance benefits and non-insurance services for sailing that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my sailing trip?
From wet decks to choppy seas, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for sailing may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're navigating the storied inlets of the French Riviera or the British Virgin Islands.
Travel insurance and non-insurance services for sailing: What may be covered?
World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the water. Plans may include:
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a slip on a wet deck -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen sailing gear, or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from setting sail.
Get a quote and compare the plans to see which level of coverage is right for you.
What level of travel insurance coverage do I need for my sailing trip?
World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go sailing, you’ll probably be doing other fun things like snorkeling or swimming. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences.
- The Standard and Annual plans include travel insurance coverage for incidents while sailing.
- The Explorer plan covers more activities, including shark cage diving to 165 feet/50 meters and free diving up to 196 feet/60 meters. It also has higher limits of coverage for most benefits.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cliff diving and deep-water soloing. It also has the highest benefit limits of coverage.
Get 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
What may not be covered when sailing?
Some things we may not cover include:
- Sailing under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Sailing or traveling within 100 miles of your home
- Damage to your sailboat
- Sailing in a competition or for salary/compensation
Top safety tips we recommend for your sailing trip
- Research your tour operator: If you’re going on a sailing excursion, research the tour company’s credentials ahead of time.
- Take a boating safety class: If you’ll be the one at the helm, take the time to learn as much as you can before hitting the water. There are several boating safety courses that are recommended by the U.S. Coast Guard.
- Check the weather: Before you leave, you’ll want to make sure there aren’t any storms headed your way. Weather conditions can change rapidly, so continue to monitor the weather once you’ve hit the high seas.
- Put on a life jacket: Think less about your tan lines, and more about your safety. Rough water can happen at any time, and you won’t have time to grab that if you unexpectedly go overboard.
- Wear the right shoes: Look for shoes with good traction and a non-slip sole. If your shoes are also made from water resistant material, that’s even better.
- Get a good dry bag to hold a copy of the documents showing your sailing travel insurance coverage and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance Emergency Assistance Team easily accessible, as well as your plan number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover 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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Can sailing be covered under World Nomads Travel Insurance?
Yes, sailing may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while sailing abroad?
If your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable sailing tours that you paid for in advance. If you slip and fall on the deck and you require medical assistance, emergency medical expense coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a sailing excursion, you’ll need to buy your insurance at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for sailing outside of the United States?
Yes, there are so many great places to sail around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for the Caribbean, you may have the opportunity to sail around several picturesque destinations like the Bahamas or Jamaica. When you get a quote for travel insurance and non-insurance services for sailing, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while sailing?
If you get hurt while sailing, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance Team is also included for support anytime, anywhere.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for your sailing adventure, you could be covered for more than 250+ other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, sailing tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add optional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for sailing, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next sailing trip?
Not sure where your next sailing adventure should take you? Check out some of our favorite places around the world to sail and get destination-specific travel insurance tips to help you plan with confidence.
Trinidad & Tobago Discoveries: Sailing the Caribbean
Kauai: 4 Adventures That Will Get You Off Your Beach Chair
20250730-4701181. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.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?
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 when sailing
Don’t let an accident take the wind out of your sails.
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When you’re sailing, you can navigate the storied inlets of the French Riviera or British Virgin Islands, using the wind as your guide.
Along with your boat shoes, boating license and guide to nautical terminology, it’s worth considering bringing travel insurance onboard. Having it in your (waterproof) pocket can help if you were to fracture your finger hoisting a sail or lose your wallet to the churning white caps in a squall.
- What’s covered for sailing?
- World Nomads water sports coverage
- What’s not covered for sailing?
- Frequently asked questions
What’s covered for sailing?
Even as a seasoned sailor, you don’t want to be caught up the creek without a paddle (or, in this case, a mast and jib). Here are a few eventualities typically covered in World Nomads plans for inland sailing and coastal waters:
Emergency medical
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 Assistance Team... a wonderful thing if you need to translate your medical needs to your kind, but non-English-speaking doctor.
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 24/7 Emergency Assistance Team, your World Nomads policy can transport you by air ambulance to get treatment at an appropriate medical facility if medically necessary.
Baggage 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.
Trip cancellation
Say a physician advises you to 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 your pre-paid, non-refundable travel expenses... handy when you’re ready to re-book the adventure.
World Nomads water sports coverage
Besides sailing, World Nomads covers other activities on island and coastal waters, such as:
- Yachting
- Parasailing
- Sailboarding
- Cruising
- Catamaran sailing
- Hydro foiling
- Hydrospeeding
- Water skiing
- Barefoot water skiing
- Deep Water soloing
- Kiteboarding (on land or water)
- Kayaking
- Sea Kayaking
- Wakeboarding
- Wake skating
- Scuba diving
Your coverage depends on your Country of Residence, and certain conditions may apply for coverage to be available. An additional premium may also apply. Check out the sports, activities and adventures covered by World Nomads for more details.
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, as specified in your policy
- 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.
Get a quote for your next sailing trip
Fill out the form below and navigate your way to the right travel insurance for your next boating adventure.
Got questions? We’re here to help. Get in touch and we can help get you set sail with peace of mind.
Frequently asked questions
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 country’s policy wording for details on what’s covered.
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. Check your country’s policy wording to see if your preferred destination is covered for sailing trips.
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.
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)
Travel Insurance for France
From the museums of Paris to the vineyards of Bordeaux, here’s how World Nomads travel insurance could help Americans in France.
- As featured in:
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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.
At a glance:
- Travel insurance benefits for France may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across France (including the Tour du Mont Blanc)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for France?
- Travel insurance for activities in France
- Travel insurance for medical emergencies in France
- Travel insurance for lost bags in France
- Travel insurance for stolen items in France
- Travel insurance for canceled, interrupted, or delayed trips to France
- Tips for traveling to France from the United States
Home to the Eiffel Tower, the Louvre, and Palace of Versailles, there’s plenty to see and do in France for American sightseers.
If you want to see medieval fairytale villages and prehistoric caves, you’ll enjoy getting outside of the city with a visit to the Pyrenees mountains. Meanwhile, water lovers can flock to the French Riviera, and foodies can make the trek to Lyon, which has earned the title of gastronomic capital of France.
While a trip to France is definitely a tres bien experience, there are some things to be aware of. Our nomads have dealt with currency conversion confusion, delayed flights, and pickpockets on the Metro. We encourage you to check out our team’s travel tips for France before leaving the US so you can be prepared—and look into travel insurance* for France to help you travel with peace of mind.
Do I need travel insurance for France?
For the most part, you can spend your days promenading along the River Seine or swooshing down the slopes of Mont Blanc without any incident. But if you twist your ankle or take a tumble on the slopes, you may then realize that travel insurance for France would have been a good idea.
With any overseas travel, there are going to be some things you can’t plan for - like canceled trips, natural disasters, medical emergencies, and delayed baggage. Because of these situations, travel insurance for France may be something you consider. There are four plans to choose from. When you get a quote, compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in France
The Tour de France has made the country famous as a cycling destination. Even if you’re not competing, you can still explore France on two wheels and check out amazing cycling routes along the Seine or in Corsica. If you’re more interested in exploring France on four wheels, you may be interested in a safari tour to see the flamingos in Camargue. You may even want to leave land and set sail on the blue waters of the Bay of Cannes.
World Nomads covers more than 250 activities for Americans traveling to France including cycling, sailing, and safari tours. It's best to have an idea of your planned activities and adventures before you get a quote for travel insurance for France.
Different plans cover different activities so this will help you choose the best coverage for your trip. For example, bikepacking in Provence is covered under all plans, including the Standard Plan. However, if you’re hoping to go cliff jumping in Calanques National Park near Marseille, you may want to choose the Explorer or Epic Plan.
Travel insurance for medical emergencies in France
If there’s an avalanche when you’re skiing in the French Alps and you get hurt, you may not know where to go for help. With travel insurance for France, you’ll have access to the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need.
Your international travel insurance for France could also offer evacuation coverage if you need to be transported to another place to get care. If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the United States to get medical treatment, the repatriation coverage that is included in your plan may cover the costs to get you there.
If you have an emergency and need to make a claim, call and report your emergency as soon as it happens, or as soon as you’re able. Also remember to save all paperwork and receipts for any unexpected medical expenses.
To streamline your experience seeking medical treatment in France, sign up for our Portable Health Records service. This non-insurance service is part of all plans and allows for your documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, this service can expedite the process.
Travel insurance for lost bags in France
What happens if you make it to Nice but your bags didn’t? If the airline loses your bag for 12 consecutive hours or more, you could be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
If that reunion never happens, you could be reimbursed for your lost bags and belongings with your travel insurance for France. The first step is to contact the airline to try and track down your bag.
If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
While baggage coverage is included in your travel insurance for France, know there are plan limits. If you’ve purchased expensive items in France, you may want to take it on the plane as carry on instead of checking it. If you have any questions, contact us and we can help explain what is covered.
Travel insurance for stolen items in France
Pickpocketing is something to watch out for when you travel to France - especially in crowded areas like Paris. One nomad found herself the victim of a pickpocketing scam in France in which her bag and sunglasses were stolen. While her travel insurance for France covered reimbursement for the stolen items, she would have preferred that this never happened to her in the first place.
This particular scam started with simple flattery from a stranger that distracted her. Check out our tips for avoiding travel scams in France before your trip, and always be aware of your surroundings. If anything does happen, make sure you contact the police and file a report. You’ll need that if you make a claim.
Make sure to do your part to keep your belongings safe too. If you’re in Bordeaux, overindulge at your wine tasting, and forget your purse at the vineyard, you won’t be covered.
Travel insurance for canceled, interrupted, or delayed trips to France
What happens if you get sick a few days before leaving for France? If your doctor tells you not to travel to France at that time, you could be forced to cancel your trip. Your travel insurance for France includes cancellation coverage and you could be reimbursed for those non-refundable flights, hotels, and activities you paid for in advance.
Sometimes situations happen that can disrupt your plans once you’re already in France. In the home of the French Revolution, strikes, protests, and demonstrations happen fairly frequently. If your train travel is affected by a strike and you can’t get from Paris to Reims, you may miss the hot air balloon ride you had booked. If you prepaid for your balloon ride and it’s non-refundable or transferable, your travel insurance for France may reimburse you for that excursion.
The Explorer and Epic Plans also cover various travel inconveniences you may encounter in France if you purchased during the time sensitive period. For example, if you planned a winter ski vacation to Chamonix, but the resort’s facilities are closed due to a lack of snow for at least a day, you may also get some compensation.
Tips for traveling to France from the United States
France is a beautiful country, and we’ve made many memories there. We think you’ll love it too. Any international travel comes with things to watch out for. Just be aware of your surroundings, and make sure to check out our travel safety tips for France before you go.
You’ll also want to check out the US government’s safety warnings for France before leaving the United States. Weather, safety, and political situations can change quickly, and this is where they list their up-to-date warnings on any advisories that may exist at that time.
If you purchase travel insurance for France, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Finally, learn a few French words and phrases—it will go a long way. Bon voyage and make some wonderful memories!
*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.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 teamTravel Insurance for volunteering
Don't let your good deeds go uncovered.
- As featured in:
As featured in:
Whether you have specific skills to offer or you’re in search of meaningful connections, volunteering abroad can be a life changing experience. While out in the world helping others, make sure you also look after yourself and consider buying travel insurance before you pack your bags.
World Nomads travel insurance can cover you when participating in a range of round-the-world volunteer activities and vacations, from summer teaching programs to clean water projects. Whatever the cause, we’re strong supporters of paying it forward and giving back.
What's covered
Want to step out into the world and volunteer your time? Depending on your Country of Residence and the plan you’ve selected, World Nomads travel insurance may provide cover for:
- Trip cancellation
- Trip interruption
- Emergency medical care
- Emergency evacuation and repatriation
- Trip delay
- Baggage and personal belongings cover
- Extend or buy more cover while traveling
- Cover for some Coronavirus-related events
Traveler tip 1: if you intend to work or study, you must have the appropriate visa to work or study under the local laws of the country you’re visiting.
Travel insurance cover on our Standard and Explorer plans
At World Nomads, we do our best to support volunteers, whether it's protecting endangered turtle hatching grounds or teaching school children in an under resourced village.
Before you take off on your next volunteer adventure, consider packing travel insurance that provides cover for the things you plan to do.
Volunteer activities our Standard Plan may cover include:
- Hospitality or work at bars.
- Farming such as fruit picking, WWOOFing or other manual labor.
- Wildlife or animal care.
- Environmental or conservation work.
- Au pair, nanny or other volunteer childcare.
- Teaching.
- Retail work such as shop assistant or store manager role.
- Office or clerical work.
Volunteer activities our Explorer Plan may cover include:
- Undertakings in construction or renovation projects, including painting, using power tools, operating machinery, or roadwork.
- NGO support and disaster relief.
- Medical and health care work (health education, medical services, medical practitioner).
Note: you can upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2 and 3) and pay any required additional premium at the time you buy your policy.
If you feel unsure about whether your volunteer activity is covered, you can get in touch with our Customer Service team and they will be able to assist you.
Am I covered for Coronavirus-related events?
While volunteer work is rewarding, getting sick while overseas can be costly in more ways than one, especially with Coronavirus still causing major issues worldwide. The cover you will have under our Standard and Explorer plans will depend on your Country of Residence. They include:
- Standard and Explorer plans: offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas (excluding pre-existing medical conditions, as defined in the policy wording) – cover includes medical assistance, repatriation, and hospitalization.
- Explorer Plan: additionally, offers cover for some Coronavirus-related events including but not limited to cancellation, trip interruption expenses and some quarantine costs, as well as additional cover for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus. Benefit limits apply.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, terms and conditions, and exclusions.
Traveler tip 2: do your research well in advance of your trip around vaccines needed for your intended destination. Make sure you follow government, health department, and World Health Organization preventative and precautionary measures, including any relevant vaccinations, hygiene, or social distancing guidelines. Please refer to who.int for further information.
What’s not covered?
Some volunteer activities may not be covered as they’re just too risky for us to cover. This includes volunteer work that includes:
- Taking part in activities such as base jumping, wingsuit flying, cliff diving, martial arts competitions, motor sports, and piloting an aircraft among others.
- Going on dangerous expeditions; mountaineering expeditions or expeditions to inaccessible regions of the Arctic, Antarctica, or Greenland, unless approved by us.
- Crewing of a vessel more than 60 miles (96.5km) from a protected body of water.
- Work as a guide where ropes or other specialist climbing equipment is required.
- Work offshore or underground, including in caves.
- Work operating machinery or heavy/industrial equipment.
- Work at height without proper safety equipment.
- Working with dangerous animals, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats, and deadly snakes.
Traveler tip 3: you must have the appropriate skills and training and hold the necessary licences and/or certificates for the work you undertake. You should only work from ground level up to two metres above ground, as the risk of injury is significantly increased when working at heights greater than two metres.
If you’re not sure about coverage, contact us and we’ll help you.
If haven't yet chosen a volunteer program, you can find inspiration in the following articles:
- Questions to Ask Before You Volunteer Abroad
- Tips on Choosing an Ethical Volunteer Program
- Voluntourism 101: How to Get Started
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered.
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 teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Will travel insurance cover me for countries other than those listed on my policy?
That depends on your policy and your country of residence. You may have to put in a request with the customer service team for a country to be added to your policy.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illnesses overseas. They don't stand in place of primary medical insurance or your home health system.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what happened. If it’s an emergency situation, where medical evacuation is required, World Nomads can cover these costs upfront (provided the incident is covered as per the policy wording and you get pre-approval from the Emergency Assistance team). You must contact World Nomads 24/7 Emergency Assistance if you have a medical emergency.
