Does Travel Insurance Cover Dental?
Learn how travel insurance may cover emergency dental treatment abroad.
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Broken or chipped teeth can happen at any time. It can be seeded bread in Berlin, olives in Athens or dried fish in Krasnodar. If pain suddenly strikes, World Nomads travel insurance can cover the emergency dental treatment you need to get relief so you can keep traveling.
What does travel insurance cover for overseas dental?
If you have to see a dentist while traveling for the immediate relief of sudden pain to healthy, natural teeth you can be covered if:
- You get an unexpected infection.
- You've broken your tooth.
- You injure your mouth or jaw in an accident.
- Your pre-existing condition leads to a clinical emergency.
Not all of our policies are the same. Limits, terms and conditions of cover vary depending on the policy you buy and your past dental history.
What’s not covered
Travel insurance isn’t designed to cover everything. Terms, conditions and exclusions apply, so be sure to read your full policy wording to avoid surprises. Here are the main things that aren't covered:
- General check-ups.
- Getting your teeth straightened in Thailand.
- New teeth or fillings following pain relieving treatment.
- Major dental work, such as crowns, dentures, bridges and implants.
- If you've bought a policy after the pain has set in.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
If you purchase your policy after you’ve already left your home country, there is a 72 hour waiting period before cover begins.
This is not a full list of what's covered and what's not covered. It is important that you read and understand your policy before you travel as your coverage is subject to certain limitations and exclusions.
How to get dental assistance
If you're in a serious accident, it’s essential that you get in contact with our emergency assistance teams as soon as possible so that our teams can support you.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number
- The nature of your problem
- Your location
If you've already visited a dentist and received emergency treatment, you can submit your claim online.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Travel Insurance for Backpacking
US residents can stay protected on the trail - essential travel insurance coverage for backpackers
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At a glance:
- Backpacking travel insurance may help if your trip is interrupted, your gear is stolen, or you’re injured on the trail.
- World Nomads offers plans with coverage for emergency medical expenses, baggage loss, trip cancellations, and 250+ adventure activities.
- Coverage varies by plan, including treks up to 26,247 feet/8,000 meters with the Epic Plan.
- Optional Cancel for Any Reason (CFAR) coverage adds flexibility if plans change unexpectedly (must be added within 7 days of first deposit for your trip).
- Access pre-trip telehealth to get essential meds, like altitude sickness pills or necessary vaccinations, before you go.
- How can I protect my backpacking trip with travel insurance coverage?
- Why you may want to consider travel insurance to protect your backpacking trip
- Backpacking Travel Insurance Benefits
- What's not covered
- Top tips for backpackers
- FAQs
Just you, your pack, and the open road. Backpacking is a rite of passage for nomads chasing big experiences on a small budget.
Whether you're out to find your crew or yourself, travel insurance coverage can help if things go off track.
World Nomads Travel Insurance covers backpackers exploring Thailand, Vietnam, South America, Europe and beyond.
How can I protect my backpacking trip with travel insurance coverage?
Backpacking looks different for every traveler—maybe you're hostel-hopping across Europe and want protection in case your gear gets stolen, or you’re trekking through the Andes where emergency medical expense coverage could be very helpful. That’s why World Nomads Travel Insurance offers flexible travel protection plans for backpackers, with coverage designed to match your style of adventure. From safeguarding your belongings to covering accidents at high altitudes, we’ve got your back.
-
Standard Plan
covers backpacking trips up to
19,685 feet/6,000 meters -
Explorer plan
covers backpacking trips up to
21,325 feet/6,500 meters -
Epic plan
covers backpacking trips up to
26,247 feet/8,000 meters -
Annual plan
covers backpacking trips up to
19,685 feet/6,000 meters
Plus, our plans include coverage for 250+ other activities you might do along the way, so you can explore confidently, wherever your backpack leads you.
Why you may want to consider travel insurance to protect your backpacking trip
Backpacking is all about freedom and spontaneity—but that flexibility also comes with risk. From sprained ankles on rocky trails to food poisoning in rural villages or stolen gear on overnight buses, the unexpected can derail your trip fast. That’s where travel insurance for backpackers can help—covering emergency medical expenses, trip interruptions, evacuations from high-altitude regions, and lost or stolen passports. And if your plans change before you even leave, optional Cancel For Any Reason (CFAR) coverage may reimburse you for non-refundable, unused trip costs—ideal for travelers who like to keep their options open. Whether you're trekking through South America or hopping between hidden towns in Southeast Asia, having the right coverage gives you the confidence to go wherever the trail takes you. Certain conditions and limitations apply.
What travel insurance benefits could cover you and your backpacking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses:if you get hurt while backpacking and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations. Want even more freedom to cancel? Check out the optional ‘Cancel for Any Reason’ benefit available on some plans (additional cost applies; not available in NY).
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
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 quoteWhat may not be covered by the travel protection plan for backpackers?
Here are a few things we may not cover:
- Being under the influence of narcotics.
- Travel within 100 miles of your home.
- Unattended baggage, sporting equipment or personal items.
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
Top tips for backpackers
Here are some pointers to help keep you covered while backpacking.
- For you, does backpacking = hiking or mountain climbing? Make sure you select the right plan for your adventure sport or activities. Our article on covered sports and activities should help you decide on whether to buy a Standard, Explorer, Epic or Annual plan, as they have different levels of coverage.
- Going wherever the breeze blows? If you want to cross the border, check with our customer service team first as your plan may not apply in all countries.
- Traveling long-term: You can buy another plan for more travel insurance coverage while abroad (waiting periods may apply) even if you don’t have a return ticket. And if you plan to take numerous trips during the year, then the Annual Multi-Trip plan could be best for you.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our non-insurance service partner to initiate an online consultation to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip (costs may apply).
- Keep your receipts and paperwork:any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for backpacking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
What does travel insurance cover for backpacking trips?
Travel insurance for your backpacking trip can help cover emergency medical expenses, trip cancellations, stolen gear, emergency evacuations, and more. World Nomads offers flexible plans that include coverage for 250+ activities you might encounter on the road.
-
Do I need travel insurance for a backpacking trip?
Only you can decide your travel insurance needs however our plans were created with backpackers – and their unique circumstances - in mind. Whether you're trekking in high altitudes or navigating unfamiliar cities, the right travel insurance coverage can protect you from unexpected bills due to injuries, illness, theft, and trip disruptions.
-
Is emergency evacuation included in backpacking travel insurance?
Yes, our travel insurance coverage includes emergency evacuation. If you’re seriously injured or become unexpectedly ill while backpacking. If you’re in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost – which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plans’ elevation limits and covered activities to make sure you’re protected for your specific adventure.
- The Standard and Annual plans cover hikes up to 19,685 feet (6,000 meters)
- The Explorer plan covers up to 21,325 feet (6,500 meters)
- The Epic plan extends coverage up to 26,247 feet (8,000 meters)
-
Does the travel insurance coverage include protection for stolen backpacks or gear?
Yes, backpacking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it’s lost, stolen, or accidentally damaged during your trip. Coverage maximum benefits amounts and conditions vary by plan, so be sure to review your chosen plan documents – especially if your carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear, or gear damaged during use. Additional terms and conditions apply.
-
Can I cancel my backpacking trip and get reimbursed?
If you need to cancel your trip for a covered reason—like an unexpected illness or injury—your plan may reimburse the pre-paid, unused, non-refundable trip costs with the ‘trip cancellation’ benefit. Want more flexibility? World Nomads offers optional Cancel For Any Reason (CFAR) coverage if you buy it within 7 days of your first trip deposit. Optional ‘Cancel for Any Reason’ benefit is available on some plans (additional cost applies; not available in NY).
-
Am I covered for high-altitude trekking while backpacking?
Yes, but coverage depends on your plan. World Nomads offers multiple plans that cover hiking and trekking at different altitudes—from lower elevation hikes to epic multi-day routes up to 8,000 meters (26,247 feet).
-
Can I buy travel insurance after my backpacking trip has started?
Yes, with World Nomads you can purchase travel insurance and non-insurance services even if you’ve already started your trip. Waiting periods may apply for certain benefits, so it’s best to buy coverage early.
-
What should I do if I get sick while backpacking abroad?
If you become ill while backpacking, your travel protection plan may help with reimbursement of medical expenses. If Emergency Medical Evacuation is required it must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
Need destination inspiration for your next backpacking trip?
When you buy a World Nomads Travel Insurance plan, rest assured that your coverage has been crafted by passionate travelers who have lugged backpacks, battled bedbugs, and fought with food poisoning along the way as well. For trip ideas and tips, check out our article on backpacking dos and don’ts, as well as some of our favorite backpacking trips:
Climbing Kilimanjaro: What to Know and How to Prepare
6 Backpacking Tips for Staying Safe in Thailand
2 Week Thailand Itinerary: Get Your Day-by-Day Travel Guide
How Traveling Cheaply Can Also Be Good for the Planet
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 for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
- As featured in:
As featured in:
Protecting your gadgets is an important part of travel, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. That's why our travel insurance plans have been designed for digital nomads.
Double check the specific terms and conditions of your policy as there may be limits to what you can claim depending on the premium you have paid and what happens to your equipment while on the road.
- Why travel insurance is important for digital nomads?
- How are my electronics covered?
- Countries offering digital Nomad visas to travelers globally
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- FAQs for digital nomads
Why travel insurance is important for digital nomads?
Travel insurance may not always be required, but when that illness, injury, baggage delay or trip interruption occurs, and you’re left out in the cold in a foreign country it could come in very handy. World Nomads may offer travel insurance for several events, some of these include:
- Hospitalization due to a severe injury or illness
- A flight is delayed or canceled.
- If your bags and valuables are delayed, stolen or damaged.
- When you urgently need 24-hour Emergency Assistance.
- If you’re planning to be active and doing outdoor adventures (we offer over 200+ activities, sports and experiences).
- If you need cover for a multi-destination trip.
- If you’re travelling with family and need cover for dependants.
- Cover for some Coronavirus-related events.
How are my electronics covered?
World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).
Remember, depreciation and wear and tear on your gear are taken into account when we review your claim, and claims are subject to per item limit and total maximum benefit amount, which can be found in your policy wording.
In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.
You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.
Get a travel insurance quote from World Nomads today.
Countries that offer digital Nomad visas to travelers globally
- Portugal – Digital Nomad Visa
- Estonia – Digital Nomad Visa
- Croatia – Digital Nomad Temporary Stay Visa
- Germany – Freelance "Freiberufler" Visa
- Spain – Digital Nomad Visa (part of the Startup Act)
- Mexico – Temporary Resident Visa
- Costa Rica – Rentista Visa
- Iceland – Long-Term Remote Work Visa
- Barbados – Welcome Stamp Program
- Dubai (UAE) – Virtual Working Program
- Malta – Nomad Residence Permit
- Georgia – Remotely from Georgia Program
- Greece – Digital Nomad Visa
- Mauritius – Premium Travel Visa
- Norway – Independent Contractor Visa
- Czech Republic – Zivno Visa
- Hungary – White Card Visa
- Romania – Digital Nomad Visa
- Bermuda – Work from Bermuda Certificate
- Anguilla – Work from Anguilla Program
For more information on digital nomad visas please refer to the visa guide website.
Does my insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport).
- Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier.
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (you'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions may apply so please read your policy carefully.
If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Tips for digital nomads
- travelling, understand the requirements for digital nomad visas and ensure your World Nomads travel insurance policy aligns with the country’s health and travel regulations.
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 protection for tech gear and digital nomad travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
-
Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in the foreign country.
-
If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel Insurance For Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
- As featured in:
As featured in:
New Zealanders are taking advantage of digital nomad visas to explore new countries while working remotely. Whether you're headed to Bali, Portugal, or Mexico, it’s essential to consider the right travel insurance to keep you covered on your international adventure.
World Nomads offers flexible travel insurance plans designed to protect New Zealanders working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and exploring.
Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.
Always take some time out to double check the specific terms and conditions of your policy as there may be limits to what you can claim depending on the premium that you have paid and what happens to your equipment while on the road.
- Why travel insurance is important for digital nomads?
- How are my electronics covered?
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- Countries offering digital Nomad visas to New Zealanders
- FAQs for digital nomads
Why travel insurance is important for digital nomads?
Working overseas under a digital nomad visa offers incredible freedom, but it also comes with risks. From lost luggage to unexpected health issues, travel insurance can offer cover when things don’t go to plan. Whether you’re a freelancer, remote worker, or running your own business from a beachside café, World Nomads travel insurance can offer key benefits like:
- Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured.
- Bags and valuables: We offer cover for your valuables and bags in case they are stolen, damaged or go missing while in transit.
- Trip cancellation: If your plans change unexpectedly due to a family emergency or illness, cancellation cover can help recover some of your costs.
- 24/7 Emergency Assistance: Access to worldwide support whenever and wherever you need it.
- And many more!
How are my electronics covered?
World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).
Remember, depreciation and wear and tear on your gear are considered when we review your claim, and claims are subject to per item limit and a total maximum benefit amount, which can be found in your Policy Document.
In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.
You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.
Does my travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport).
- Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier.
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (you'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
Get a travel insurance quote from World Nomads today.
Countries offering digital nomad visas to New Zealanders
- Portugal – Digital Nomad Visa
- Estonia – Digital Nomad Visa
- Croatia – Digital Nomad Temporary Stay Visa
- Germany – Freelance "Freiberufler" Visa
- Mexico – Temporary Resident Visa
- Spain – Digital Nomad Visa (part of the Startup Act)
- Costa Rica – Rentista Visa
- Iceland – Long-Term Remote Work Visa
- Barbados – Welcome Stamp Program
- Czech Republic – Zivno Visa
- Georgia – Remotely from Georgia Program
- Malta – Nomad Residence Permit
- Greece – Digital Nomad Visa
- Dubai (UAE) – Virtual Working Program
- Mauritius – Premium Travel Visa
For more information on digital nomad visas please refer to the visa guide website.
All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Document will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
Tips for digital nomads
- Before travelling, understand the requirements for digital nomad visas and ensure your World Nomads travel insurance policy aligns with the country’s health and travel regulations.
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in the foreign country.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
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Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
- As featured in:
As featured in:
Working remotely as a digital nomad means the world is your office. That means after spending an hour on your laptop, you can go on an African safari or a trek in the Alps.
World Nomads offers flexible travel insurance plans designed to protect Australians working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and keep exploring after hours.
Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.
Double check the specific terms and conditions of your policy as there may be limits to what you can claim, depending on the premium that you have paid and what happens to your equipment while on the road.
- Why travel insurance is important for digital nomads?
- How are my electronics covered?
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- Countries offering digital Nomad visas to Australians
- FAQs for digital nomads
Why travel insurance is important for digital nomads?
Working overseas under a digital nomad visa offers incredible freedom, but it also comes with risks. From lost luggage to unexpected health issues, travel insurance may offer cover when things don’t go to plan. Whether you’re a freelancer, remote worker, or running your own business from a beachside café, World Nomads travel insurance may offer key benefits like:
- Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured overseas.
- Bags and valuables: We offer cover for your valuables and bags in case they are stolen, damaged or go missing while in transit.
- Trip cancellation: If your plans change unexpectedly due to a family emergency or illness, cancellation cover can help recover some of your costs.
- 24/7 emergency assistance: Access to worldwide support whenever and wherever you need it.
How are my electronics covered?
World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).
Remember, depreciation and wear and tear on your gear are considered when we review your claim, and claims are subject to per item limit and a total maximum benefit amount, which can be found in your Product Disclosure Statement (PDS).
In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.
You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.
Does my travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport).
- Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier.
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (you'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
Get a travel insurance quote from World Nomads today.
Countries offering digital nomad visas to Australians
- Portugal
- Estonia
- Croatia
- Mexico
- Spain
- Costa Rica
- Germany
- Iceland
- Barbados
- Czech Republic
For more information on digital nomad visas please refer to the visa guide website.
This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully.
If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Tips for Digital Nomads
- Before traveling, understand the requirements for digital nomad visas and ensure your World Nomads travel insurance policy aligns with the country’s health and travel regulations.
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 digital nomads travel 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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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
-
Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in the foreign country.
-
If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
-
What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel Insurance for Mountain Biking Adventures
Ride prepared: Learn how travel insurance for mountain biking can help when the unexpected happens to Canadians
- As featured in:
As featured in:
Article at a glance:
- Mountain biking travel insurance plans may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world.
- Coverage includes off-road mountain biking, BMX, cycling—plus 250+ other adventure sports.
- Emergency medical expenses, 24/7 assistance, and baggage protection are included in World Nomads plans.
- Choose from the Standard or Explorer plans with optional additional activity level coverage to match your biking trip style, budget, and adventures.
- Stay safe with proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly.
- Why should you consider travel insurance coverage for your mountain biking adventure
- What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
- Mountain Biking Travel Insurance: What’s Covered?
- What level of travel insurance coverage do I need for my mountain bike trip?
- What's not covered when mountain biking?
- Top safety tips for your mountain biking adventure
- Frequently asked questions
Why should you consider travel insurance coverage for your mountain biking adventure
Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for Canadians. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens.
What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
As long as you're not doing anything reckless, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers coverage for:
- On or off road/downhill/cross country up to 3,000 metres in elevation
- On or off road/downhill/cross country up to 6,000 metres in elevation
- BMX – on road
- BMX - off road/on-track/cross country
- Quad biking
- Scooter biking/riding
- Triathlons and endurance races (non-professional) may also be covered!
Note: Special conditions and exclusions, in addition to the General Conditions and General Exclusions, may apply while taking part in certain sports or activities.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
Mountain Biking Travel Insurance: What’s Covered?
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Emergency Medical Expenses
For broken bones, cuts, and sprains after an epic crash on the trail. -
Non-insurance Emergency Assistance
Your first call in any emergency situation -
Baggage & Gear Coverage
Broken or stolen biking gear (no coverage for in-use damage, though)
Get a quote and compare the plans to see which level of coverage is right for you.
At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance plans for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer two travel insurance plans with different coverage levels to match your trip style, budget, and adventure sports coverage to match your appetite for adventure. Be sure to check out our (extensive!) list of covered activities to pick the plan and activity level that fits everything you’re planning to do.
*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!
What level of travel insurance coverage do I need for my mountain bike trip?
- Standard Plan – Best suited for backpackers, budget travellers and families. Includes up to $5,000,000CAD in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
- Explorer Plan – For those trips you’ll be talking about for years to come! Our plan with the highest benefit limits, including up to $500 for baggage delay and $5,000 for trip cancellation.
You can compare plans and coverage limits when you get a quote. .
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a mountain biking 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's not covered when mountain biking?
While we can offer coverage for mountain biking, there are some things we just won't cover. These include, but are not limited to:
- Participating in any activity or sport as a professional athlete.
- If you travel against medical advice.
- Bicycles and other sporting equipment that are damaged while in use.
- Search-and-rescue missions.
- Unattended baggage, sporting equipment or personal items.
- Biking while under the influence of alcohol or drugs.
Top safety tips for your mountain biking adventure
- Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it and consider seeing a doctor prior to your trip.
- Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
- Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If something doesn't feel right, then don't go.
- Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is mountain biking travel insurance coverage, and why do I need it?
Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
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Does travel insurance cover off-road mountain biking and BMX riding?
Yes! World Nomads travel insurance plans offer coverage for a wide range of biking styles, including off-road mountain biking, BMX and quad biking. Be sure to check this list to confirm that your specific activity is included.
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What travel insurance benefits are included for mountain biking trips?
Coverage may include emergency medical expenses, baggage and gear protection, trip delays, cancellations, and 24/7 non-insurance emergency assistance. This means if you crash on the trail, miss a flight, or your bike gear is stolen, you may be covered depending on your plan.
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What happens if I get injured while mountain biking abroad?
If you're hurt while biking overseas, World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval). Access to a 24/7 Emergency Assistance team is also included for support anytime, anywhere.
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Can travel insurance cover stolen or damaged biking gear?
Yes—World Nomads plans offer baggage and personal effects protection, which can help reimburse the cost of stolen or damaged biking gear, such as helmets, pedals, or tools. There is no coverage for damage that occurs while the gear is in use.
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What types of travel insurance plans are available for mountain bikers?
World Nomads offers two plans tailored to your adventure style and budget:
- Standard Plan – Great for budget-conscious riders. 3,000 meters maximum ride elevation
- Explorer Plan – Has higher benefit limits that may be best for someone pushing the limits, or mountain biking in more remote locations. 3,000 meters maximum ride elevation
- Optional additional activity level coverage – provides coverage for rides up to 6,000 meters in elevation
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What are some exclusions in mountain biking travel insurance?
Travel insurance may not cover:
- Professional competition biking
- Damage to gear while in use or from wear and tear
- Search-and-rescue costs
- Incidents involving drugs or alcohol abuse.
- Unattended gear or personal items
Always read your plan details to understand what’s not included.
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Are there altitude limits for mountain biking insurance coverage?
Yes, both travel insurance plans have elevation limits for covered activities. If you're planning to bike at high altitudes (like in the Andes or Himalayas) of up to 6,000 metres, you will need to pay an additional premium. If you need help, give our customer service team a call.
Need destination inspiration for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
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 team
