Travel Insurance for Surfing
Before you pack your surfboard, learn how travel insurance could help if things go wrong.
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For many Kiwis surfing isn’t just a hobby it’s a lifestyle. With the number of gnarly surf breaks and yet to be discovered beach spots worldwide it’s no wonder Kiwis are stoked to search far and wide for the next adrenaline-soaked surf trip. But with sun, surf and sand there are also dodgy stingray encounters, jagged coral reefs and (gulp!) shark attacks.
Along with your surfboard, wetsuit, sunblock and sunnies, don’t forget to pack your travel insurance. World Nomads can help get you back on your feet if your surfing adventure turns into a wipe-out.
Travel insurance for surfing
As surf enthusiasts, Kiwis can take on a six foot barrel without a worry by taking out World Nomads travel cover. Here is what we offer as part of our Standard and Explorer plans:
- Gear protection: Got your surfboard stolen while surf town-hopping in Costa Rica? Our gear coverage can help with replacing belongings that were swiped from under your nose.
- Emergency medical: Long lefthanders can be epic to ride but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
- Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from the 24/7 Emergency Assistance.
- Trip cancellation: Has a sick or injured travelling companion put a stop to your surf break? Your plan may be able to recover the travel expenses.
- Checked-in baggage: You’ll be covered if your surf gear is stolen, lost or accidentally damaged by a common carrier (e.g. airline or bus company). Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.
Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage.
Besides wave surfing, World Nomads may also cover:
- Land surfing
- Stand-up paddle surfing
- Windsurfing
- Sandboarding
- Kite surfing
- Wakeboarding
An upgrade for certain sports may be required and terms and conditions apply for each activity and sport. Check your Policy Document for details or contact us if you have questions.
What's not covered for surfing travel insurance?
Sorry – we won’t cover you if you do something reckless (like tackle big-wave off-shore surfing when you’re only a beginner). Some things we may not cover include:
- If you refuse to be repatriated or evacuated
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
- Any expenses that relate to a existing medical condition, as explained in the Policy Documents
- Expenses that can be recovered from another source
- The policy excess, deductible or co-pay amount as shown in the Policy Document
- If you surf while under the influence of alcohol or drugs… water and alcohol never mix!
- Search and rescue costs
- Professional competitive surfing
How to get the most out of your travel insurance
When it comes to any sport, safety should always come first. Your health ─ and your travel insurance cover─ depends on your responsible behaviour. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).
- Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
- Don’t go in over your head. Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing when you’ve only taken one lesson.
- Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
- No pro sports or athletic competitions. So cool that your 9-to-5 is spending time on the waves but unfortunately, professional sporting activities aren’t covered by travel insurance.
- Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for cover.
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.
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 Surfing
While searching for the ultimate surf breaks and sleepy beach towns, don't forget to consider travel insurance.
- As featured in:
As featured in:
For many Aussies surfing isn’t just a hobby it’s a lifestyle. With the number of gnarly surf breaks and yet to be discovered beach spots worldwide it’s no wonder Aussies are stoked to search far and wide for the next adrenaline-soaked surf trip. But with sun, surf and sand there are also dodgy stingray encounters, jagged coral reefs and (gulp!) shark attacks.
Along with your surfboard, wetsuit, sunblock and sunnies, don’t forget to pack your travel insurance. World Nomads can help get you back on your feet if your surfing adventure turns into a wipe-out.
Travel insurance for surfing
As surf enthusiasts, Aussies can take on a six foot barrel without a worry by taking out World Nomads travel cover. Here is what we offer as part of our Standard and Explorer plans:
- Gear protection: Got your surfboard stolen while surf town-hopping in Costa Rica? Our gear coverage can help with replacing belongings that were swiped from under your nose.
- Emergency medical: Long lefthanders can be epic to ride but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
- Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from the 24/7 Emergency Assistance.
- Trip cancellation: Has a sick or injured traveling companion put a stop to your surf break? Your plan may be able to recover the travel expenses.
- Checked-in baggage: You’ll be covered if your surf gear is stolen, lost or accidentally damaged by a common carrier (e.g. airline or bus company). Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.
Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage.
Besides wave surfing, World Nomads may also cover:
- Land surfing
- Stand-up paddle surfing
- Windsurfing
- Sandboarding
- Kite surfing
- Wakeboarding
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.
What's not covered for surfing travel insurance?
We won’t cover you if you do something reckless (like tackle big-wave off-shore surfing when you’re only a beginner). Some other things we may not cover include:
- If you refuse to be repatriated or evacuated
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
- Any expenses that relate to a pre-existing medical condition, as explained in the policy wording
- Expenses that can be recovered from another source
- The policy excess, deductible or co-pay amount as shown in the policy wording
- If you surf while under the influence of alcohol or drugs
- Search and rescue costs
- Professional competitive surfing.
How to get the most out of your travel insurance
When it comes to any sport, safety should always come first. Your health ─ and your travel insurance cover─ depends on your responsible behaviour. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).
- Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
- Don’t go in over your head. Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing when you’ve only taken one lesson.
- Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
- No pro sports or athletic competitions. Unfortunately, professional sporting activities aren’t covered by travel insurance.
- Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for cover.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions.
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 Road Trips
Discover the coverage options of travel insurance for Americans on your next road adventure.
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As featured in:
One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. World Nomads' Explorer plans offer damage collision waiver coverage.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems, whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves get into a locked car or break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
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.
- Choosing the right policy for you
- What are the benefits of travel insurance for road trips?
- What are the exclusions of travel insurance for road trips?
Hitting the road? Get your travel insurance sorted with World Nomads
Road trips are a great way to experience local culture, see sights off the beaten track and immerse yourself in your travel destination. But, with the unknowns of driving in an unfamiliar place, it pays to research and plan ahead.
Good News: World Nomads can cover your road trip
One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Our travel insurance* plans are designed by travelers for travelers, and they have some key benefits to make sure you’re protected on the open road.
Choosing the right plan for you
We offer four plans – Standard, Explorer, Epic and Annual Travel Insurance – each offering different levels of coverage. You’ll want to read about the differences between plans to make sure your all your adventures are covered under the plan you pick. Our single trip plans offer protection up to 180 days at a time. Our Annual Plan offers a full year of protection, with trip lengths up to 45 days at a time. You can compare our plans side by side to find out which one best matches your needs on your road trip.
What are the benefits of travel insurance for road trips?
Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Sudden trip cancellations
Anything from an unexpected illness, an accident or a call to do jury duty can prevent you from taking your trip. Trip cancellation coverage may help you recuperate your pre-paid, non-refundable trip deposits when an emergency happens.
Unexpected medical emergencies on the road
Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. Many health insurance plans won’t cover you when you’re a certain distance from home or when you’re using out-of-network providers, so a travel insurance plan can make up for the gaps in emergency medical coverage. If your injuries are beyond minor bumps and scratches, you may need to check into a hospital. Our plans include emergency evacuation coverage for ambulances or transfers to an appropriate facility. Be sure to check the maximum benefit amount specified in your plan.
Rental car insurance for vehicle damage
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Our Explorer, Epic and Annual insurance plans offer rental car damage coverage, so you can head out on the road with an extra layer of security. While most cars are covered, certain vehicles are not including RVs, motorbikes, and luxury-model cars. Be sure to read your plan details for more information.
Emergency assistance at any hour of the day
When you’re in an unfamiliar place, it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to the 24/7 Emergency Assistance team to support you in a crisis. Whether you’re stranded in the middle of nowhere, need urgent medical attention or a referral for roadside assistance, the Emergency Assistance team can facilitate a range of services in whatever part of the world you’re traveling.
Road trip interruptions and delay
It’s a shame to make a big trip investment only to lose everything if an incident throws a wrench in your plans. Trip interruption and trip delay coverage can help salvage your pre-paid, non-refundable trip expenses that you’ve had to forfeit because of a covered event (like a natural disaster, inclement weather, sickness, rental car breakdown, etc) that has disrupted or delayed your travels.
You may also need help getting your trip back on track. If you get delayed, you may need a hotel or a meal as you catch up to your itinerary... that is where your trip delay insurance benefit can come in. Check your plan for any conditions you need to meet: your delay needs to be a certain number of hours and be caused by a covered reason.
Protection for stolen belongings and baggage
You may have coverage if your belongings and baggage are stolen during your road trip, up to the limits listed in your plan. But it’s important to note that theft from an unattended vehicle, even if locked, is not covered. So make sure you keep your valuables with you or locked in your hotel safe.
Coverage for more than 250 activities, sports and experiences
Road trips give you the flexibility to expand your adventures. Our plans cover more than 250 activities, sports and experiences including hiking, camping and surfing.
If you’re not sure whether the activity you want to do is covered, or have any questions about your plan, just ask us.
What are the exclusions of travel insurance for road trips?
- Any pre-existing medical condition, unless you purchased your plan within the time-sensitive period and have a waiver.
- Fancy Vehicles: Check your plan carefully as some vehicles are not covered, including luxury cars, camper vans and RVs.
- Incidents that are a result of acting irresponsibly under any sort of intoxication or influence.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.
Handy tips for a safe and fun road trip
- Be sure to drive to the conditions – take your time, especially on unfamiliar roads.
- Don’t ever drink alcohol and drive - not only is it extremely dangerous but it could invalidate your plan.
- Don’t leave valuable items in the car, even for a short time; they are not covered.
- Have your GPS handy and bring back-up directions (such as a printed map!).
- Check out more tips for driving in remote areas in our article How to Plan a Safe Road Trip.
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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?
- 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
- Need medication?
- Suddenly sick?
- Accidentally injured?
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
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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 flexcations
Travel protection for when you’re mixing work and leisure
- As featured in:
As featured in:
It’s never been easier to unplug and take off, and many people are now able to work and study remotely anywhere, anytime assuming there’s good Wi-Fi, of course.
- What is a flexcation?
- Why should I consider travel insurance for flexcations?
- What's covered for flexcations?
- What's not covered for flexcations?
But travel glitches can come in all shapes and sizes, even with the most meticulous planning. If you’re planning on traveling whilst also working remotely, it might be worth considering how travel insurance could help if things don’t quite go to plan.
What is a flexcation?
As work and schooling is becoming more flexible – especially since Covid – there is an emerging trend of more travelers and their families opting to take 'flexcations',extended stays away from home that are mixture of leisure and work, and even going to school remotely, either domestically or abroad.
Why should I consider travel insurance for flexcations?
If you’re planting yourself in a different place while working remotely and playing locally, you might want to consider the following when it comes to travel insurance. How long am I staying? Where am I staying? What kind of medical coverage might I need? Am I taking along personal belongings that I can’t stand to lose? Is my entire family covered? How much am I spending on pre-paid deposits?
Just as planning a trip requires a jumble of components, there is a lot to consider about travel insurance when taking a flexcation. The good news is that there are several ways that that travel insurance may be able to help on a trip that combines business and pleasure.
What's covered for flexcations?
Whether you’re seeking a quiet haven or an outdoor adventure for your flexcation, World Nomads can offer coverage (up to the policy limits) for:
- Repair or replacement of personal-use electronics, including mobile phones, laptops, and tablets you own, subject to depreciation and a per-item and total maximum limit.
- Trip cancellation and trip interruption benefits for emergencies such as a member of your traveling party falling ill or a severe weather event. For more details, be sure to check your individual policy. Your coverage will vary according to your Country of Residence.
- Emergency medical expenses for sudden injuries and sicknesses, including medical repatriation and access to our 24/7 Emergency Assistance team.
- Family coverage or group plans for up to 2 adults and 8 dependent children, depending on your country of residence.
- Feeling adventurous? Our policies can cover up to 150 sports and adventure activities, including scuba diving, cycling and camping, depending on your Country of Residence and the plan you choose.
We know that no two travelers are alike, so World Nomads offers two plans you can select to protect you and your family on your flexcation – Standard and Explorer. Each policy provides different levels of coverage depending on what you need.
Be aware that your travel insurance may only cover trips beyond a certain distance from your home, depending on your country of residence.
Check to see what geographic regions are covered under your specific plan, and whether your country of residence has a reciprocal healthcare agreement with the countries you’re visiting and what these agreements cover.
What's not covered for flexcations?
Travel insurance isn’t designed to cover everything. These are some things that don’t fall under the scope of your plan:
- Any pre-existing medical conditions
- A sudden loss of your job leaves you unemployed
- Any items lost, stolen or damaged that are unsupervised or unattended
- Any adventure sports that aren’t covered by our policies
- Any costs related to illegal activities or being under the influence of drugs or alcohol
Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details that there are no surprises if you need to use it. If you’re not sure if something is covered, 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 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 Costa Rica
What coverage do I need as an entry requirement to Costa Rica?
- As featured in:
As featured in:
- Do I need travel insurance to enter Costa Rica?
- What's covered when traveling around Costa Rica?
- Getting adventure sports coverage
- What to do if you are siock or injured while traveling in Costa Rica
- Road safety
- Keeping your gear safe
- What's not covered while traveling in Costa Rica?
- Want some more travel inspo for your Costa Rican adventure?
Rainforest treks, volcanic hot springs, cloud forest canopy tours, world-class surf breaks – Costa Rica is an adventurer’s dream! But before you head into the amazing nature on offer to experience La Pura Vida, check out our travel tips to ensure you stay safe and have a great trip.
Do I need travel insurance to enter Costa Rica?
Visitors to Costa Rica may need to show proof of travel insurance coverage before entering the country. Contact your World Nomads representative to see if your plan meets the minimum requirements and to obtain a letter or certificate to present with your Health Pass.
What’s covered when traveling around Costa Rica?
All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your travel plans.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Getting adventure sports coverage
Whether you are river tubing near Arenal, mountain biking near San Jose, or snorkeling for sea turtles in Tortuguero National Park, World Nomads covers you for more than 150 activities, adventures and sports.
Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: treks may only be covered up to a certain elevation, or scuba dives only to a certain depth for example.
Traveler tip: be sure to check your policy for any exclusions, such as search and rescue missions and professional sports.
What to do if you sick or injured while traveling in Costa Rica
Costa Rica is a well-known adventure travel destination, but there have been reports of visitors being seriously injured, or worse.
All our policies offer coverage up to policy limits for medical emergencies, and our 24/7 Emergency Assistance team can get you help on the ground with translation services when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
As avid adventurers ourselves, we know that some adventures in Costa Rica may take you far from medical facilities, and our policies may also cover you for emergency evacuation and repatriation.
Traveler Tip: get in touch with the EA team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation.
Road safety
Road conditions can be poor around in Costa Rica, with huge potholes and other road hazards being commonplace. Some of our plans have damage collision waiver coverage for rental cars, depending on your Country of Residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for any claims.
Our Emergency Assistance team has your back and is available 24/7 to help locate nearby hospitals, medical providers, or pharmacies if you need assistance while you’re on the road.
Keeping your gear safe
Whilst a relatively safe country, street crime and petty theft such as pickpocketing can occur in Costa Rica. Should that happen to you, get to safety first and go to the local authorities to report the incident (don’t forget to get a copy of the report, and have copies or original receipts, which you’ll need if you make a claim).
Our 24/7 Emergency Assistance team can provide support in a crisis, such as helping you get in contact with an embassy or providing local consular details and information, provide multi-lingual support and translation services when needed, and keeping you in touch with relatives and friends.
If your personal belongings get swiped, you may be able to make a claim for replacement or reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions, limitations and exclusions apply, so be sure to check your policy wording.
Traveler tip: if you forgot to buy travel insurance before you left home, you can purchase while you’re traveling (a waiting period may apply for some benefits).
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.,
What’s not covered while traveling in Costa Rica?
Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended
- Not following doctor’ orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Want some more travel inspo for your Costa Rican adventure?
Check out our handy guides and tips to get the insider scoop on Costa Rica
- 6 epic outdoor adventures in Costa Rica
- Costa Rica Do’s and Dont’s: tips for travelers
- Experience the Virgin of the Sea Fiesta in Costa Rica
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions outlined in the policy wording. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, 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 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?
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- 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)
Stolen Device
I was renting a room in Costa Rica. Before I left for an excursion, I put my valuables out of sight. When I returned, my trip my device was gone. There were a few other items moved throughout the house, but that was the only item that was taken.
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 Mexico
White sand beaches, colorful cities, dense jungles and desert landscapes. Mexico has something for everyone. Be ready for it all with travel insurance.
- As featured in:
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.
- Do I need travel insurance for Mexico?
- Travel insurance for activities in Mexico
- Travel insurance for medical emergencies in Mexico
- Travel insurance for lost or stolen bags in Mexico
- Travel insurance for crime in Mexico
- Travel insurance for canceled, interrupted, or delayed trips to Mexico
- Tips for traveling to Mexico from the United States
What’s the first thing that comes to mind when you think of Mexico? Sun-kissed beaches, delicious tacos, and a welcoming, friendly culture all come to mind for us. Travelers also come for the all-inclusive resorts, river kayaking, hiking to Mayan ruins, exploring colorful cities, or simply as a stop on a cruise. Whatever your dream vacation looks like, Mexico is a place of endless adventure and rich culture.
With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Americans in Mexico. International travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance* for Mexico before you set forth on your journey.
Do I need travel insurance for Mexico?
World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft or bad weather.
Travel insurance for Mexico can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as diving in cenotes near Tulum or surfing off the coast of Sayulita.
Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip. Keep in mind that certain parts of Mexico are more dangerous than others. Before booking a ticket, make sure you are comfortable with the government-issued safety warnings.
We have four plans to choose from for different types of travelers and adventures.
Travel insurance for activities in Mexico
Once you’ve done sampling those street vendor tacos, we’ve got you covered for more than 250 activities in Mexico, like snorkeling, kayaking, and hiking.
Not all activities are covered under every plan, so it’s a good idea to know your general travel itinerary before you get a quote. Some activities will require an extra level of coverage, depending on the risk involved.
For example, you can take your PADI course to learn scuba diving on Cozumel and be covered by all plans. However, if you’re interested in going cave diving to explore the famed cenotes around Tulum, you’ll need to purchase an Explorer or Epic Plan and read plan documents carefully to make sure your adventure is covered.
Travel insurance for medical emergencies in Mexico
In Mexico, the healthcare system can differ region-to-region and may not be what you are familiar with back home. In small clinics, you may have to pay before being seen by a medical professional. You can protect yourself from loss due emergency medical expenses by purchasing a travel insurance plan for your trip to Mexico.
Before your trip, you may want to make an appointment with Runway Health-- an online travel clinic and our non-insurance service partner. The telehealth service offers online consultations 24/7 and can help you obtain any necessary prescriptions such as medication for traveler’s diarrhea or motion sickness.
In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.
A common ailment affecting travelers to Mexico is gastrointestinal disorders. The water system is not the same as back home in the United States, and it could make you sick. Travelers should not drink water straight from the tap without double-checking that it’s been filtered. The same goes for ice in drinks.
And, while many travelers recommend trying street food in Mexico, make sure you pick a cart that looks clean and doesn’t have food sitting out in the sun for too long. Simple common sense can save you a bad stomachache later on!
Travel insurance for lost or stolen bags in Mexico
A common claim we get is for lost or stolen bags in Mexico. Whether the airline lost your luggage, or your purse was stolen, these things do happen.
Did you arrive in Cancun but your bag—packed with your new swimsuit and snorkeling gear for your beach vacation—didn’t? The first step is to contact the airline.
If the airline can’t track your bag, the second step is to contact Blue Ribbon Bags, a non-insurance service 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 Blue Ribbon Bags.
If someone stole your bags in Mexico, the first step is to file a police report. Then, give the 24/7 Emergency Assistance Team a call. You may be reimbursed for your stolen bags and personal belongings, minus depreciation and up to your plan limits. Certain qualifying factors would have to have occurred, as well. For instance, you couldn’t have left your belongings alone by the pool or have been intoxicated when the theft took place.
Travel insurance for crime in Mexico
Mexico is a beautiful place to visit year-round. However, there are certain areas that you may want to reconsider visiting. Travelers worldwide are often targeted by criminals looking to take advantage of tourists who look out of place or are just in the wrong place at the wrong time. When in Mexico, be aware of your surroundings and stay away from areas known to have high crime.
We’ve written pretty extensively about various scams and common crimes in Mexico in our Destination Guide. It all comes down to avoiding bad areas, protecting your stuff, and staying vigilant.
However, crime can happen at any time. If this happens to you, and you’re injured in an assault or are a victim of theft, seek assistance from the local authorities and contact the 24/7 Emergency Assistance Team for help. You’ll need to get a police report from the police immediately or as soon as reasonably possible, and a written confirmation of the loss from the hotel manager, tour guide, or transportation authorities, where relevant.
Travel insurance for canceled, interrupted, or delayed trips to Mexico
Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses.
Fleeing the American winter for a sunny escape down to Mexico is a popular choice. Traveling during winter runs the risk of snowstorms in the US and potential missed connections. If you’re flying from Chicago to Cancun and your flight is delayed by more than three hours, causing you to miss your cruise departing in the Riviera Maya, you may have to pay to get to the next port of call. If you purchased an Explorer or Epic plan, your travel insurance for Mexico may reimburse you for those travel expenses to the next port in addition to any prepaid, non-refundable activities that you missed.
We never anticipate natural disasters interrupting our vacation to Mexico, but they can happen. The most likely months for hurricanes are August and September. The Yucatan Peninsula is especially at risk, but hurricanes have hit Baja California on the Pacific side. Storms are impossible to predict so the best thing you can do is protect yourself with travel insurance to Mexico.
If you bought your travel insurance plan prior to the storm developing into a major event (before the storm was given a name), your travel insurance for Mexico may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster.
Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in the United States. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, plan limits) hotel expenses or airfare that you can no longer use.
Tips for traveling to Mexico from the United States
As much as you may have planned each detail of your Mexican adventure, the unexpected can still happen. We encourage you to check out the US government’s safety warnings for Mexico before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.
It’s also 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. Learning a few Spanish words and phrases will also go a long way.
Finally, we recommend checking out our travel tips for Mexico. You may also want to read up on some destination inspiration and download our free guide to Mexico to help you discover the lesser-known side of this country rich in art, culture, and nature.
*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.Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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 medication?
- Accidentally injured?
- Suddenly sick?
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Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Hurt abroad?
- Need to get to a hospital urgently?
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Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
