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Travel Insurance for Africa

From the savannah to the sea, learn how travel insurance can help Canadians travelling to Africa.

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Home to mesmerizing wildlife, extraordinary natural grandeur, tribes rich with tradition, and contemporary urban centres, a trip to Africa is often considered to be a once-in-a-lifetime vacation by many Canadian travellers.

Whether you adventure to ancient ruins in Egypt, search for the Big 5 on safari, trek through leafy jungle abundant with primates, get soaked by the spray at Victoria Falls, or learn to roast coffee in a mountain village in Ethiopia, every traveller will find their own kind of fun on this abundantly diverse continent.

As you prepare for your adventure, we encourage you to consider travel insurance for Africa, as you may experience the unexpected.

Do I need travel insurance for Africa?

International travel can bring all kinds of unexpected surprises - like watching a lion sunbathe while on safari in South Africa’s Kruger National Park or spotting mountain gorillas while climbing a volcano in Rwanda.

Some surprises aren’t so great, though. Nobody wants to think about things like cancelled trips and medical emergencies, but these things can happen. You might come down with malaria symptoms and need to see a doctor. Or perhaps you fell and broke your ankle while climbing through the forest terrain of Odzala National Park in Congo Brazzaville and need to be transported to a hospital. You may wish then you had travel insurance for Africa.

World Nomads has two plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Africa

From white water rafting down the Nile River in Uganda to going for a bush walk with San Bushmen in Botswana’s Makgadikgadi Pans, the African continent is filled to the brim with thrilling adventures. World Nomads covers more than 250 activities for Canadians travelling to Africa and includes things like scuba diving in the Quirimbas Archipelago off the coast of Mozambique, undertaking a volunteer project in a local school or wildlife rescue center, and hiking Mount Kenya.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan— if something happens during an activity you didn’t list on your plan, then you won’t be covered. For example, if you go surfing while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen while catching a wave. You may want to consider overshooting and listing out all possible activities you may do, just in case.

Keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. For coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need upgrade your adventure sports coverage to pay an extra premium. Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.

Travel insurance for medical emergencies in Africa

Before you take off on your African adventure, we recommend that you visit a travel medical clinic or your local doctor’s office to make sure you are up to date on all vaccines you may need. You may also want to ask your doctor about malaria medication.

We also recommend packing a few basic supplies for your trip, as some basic things aren’t always available, especially in rural areas on the continent. Strong mosquito repellant to help prevent malaria, sunscreen (it can be hard to find outside of South Africa), and bandages, are a good place to start.

Water and food sanitation vary widely across the continent. Water is safe to drink in Cape Town and the Western Cape, but it generally isn’t safe to drink throughout the rest of the continent. Make sure to drink bottled or filtered water outside of those regions. Malaria is prevalent in many areas, so if you suspect that you have malaria symptoms, contact our 24/7 Emergency Assistance for assistance in finding  a local clinic. Malaria is something that most clinics in Africa can test and treat, whereas Canadian clinics may not have that same level of expertise.

Health care varies widely across the African continent and typically will be quite different than what you’re used to in Canada. Emergency medical care and medical facilities with the right equipment are often hard to find. If you have a medical emergency when travelling in Africa, you can call the 24/7 emergency assistance team and they can refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there is a language barrier. 

Maybe you fall and hurt yourself while hiking in Morocco’s Atlas Mountains and your doctor determines that it’s best for you to go home to Canada to get medical care. The emergency evacuation and repatriation coverage that is included in your travel insurance for Africa may cover the costs to get you there. 

However, there is an important thing to note: you must have GHIP coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefits. Without GHIP coverage, your total limit for all emergency medical expenses is limited to CAD$40,000.

Travel insurance for lost and stolen luggage in Africa 

Nobody plans for lost bags, but it happens. If you’re heading to South Africa for a surfing vacation, you may have packed your favorite surfboard. When you land in Durban and realize that the airline lost your bag, your travel insurance for Africa may reimburse you for the cost to replace your belongings. 

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited. If you incur expenses because you need rent a surfboard until your favorite one arrives, you may be eligible for reimbursement under the sporting equipment delay coverage included in your insurance plan.

Travel insurance for crime and political unrest in Africa


Safety varies widely across Africa. The best thing you can do is have a sense of awareness around yourself, your surroundings, and your belongings. Leave the flashy jewelry at home to avoid unwanted attention and store your credit cards and valuables in a safe in your accommodations.

Take particular care in crowded areas like markets and bus stations. Keep your bags in front of you and avoid flashing valuables like smart phones if possible. In most major cities, like Nairobi and Kampala, it is also best to avoid walking at night— we encourage you to take motorized transportation instead.

If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for Africa.

Travel insurance for cancelled, interrupted, or delayed trips in Africa

When you’re searching for the best travel insurance for Africa, make sure it has coverage for trip cancellation, trip delay, and trip interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.

If you get sick before leaving Canada and your doctor tells you not to travel at that time, you could be forced to cancel your trip. Or, if an immediate family member back home has an unexpected medical emergency while you’re on your adventure, you may need to go back to Canada early. Travel insurance for Africa may provide reimbursement for your prepaid, nonrefundable insured trip costs and may provide additional benefits to help you cover expenses you incur to get back home.

Sometimes situations happen that disrupt your plans once you’re already in Africa. Certain countries in Africa experience frequent political unrest. If possible, avoid travelling during elections, when tensions may be high, and protests and unrest can break out.

Tips for travelling to Africa from Canada

Before you leave Canada, we encourage you to check out the Canadian government’s travel advisories for each country you plan to visit. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Africa, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

With 54 nations and over 2,000 languages, cultural customs, transport, and everything in between in Africa are pretty different country-to-country. We recommend that you read up on each place you intend to visit ahead of time Also, keep in mind that most African countries are more culturally conservative than Canada. Modest dress is recommended in rural areas—a great rule of thumb is to cover your knees and shoulders out of respect for local culture.
Whether you’re heading to Ethiopia, Morocco, South Africa, or Tanzania, do some pre-trip reading for destination inspiration—you’ll be wowed by how much there is to do beyond a safari vacation. And speaking of safaris, we encourage you to look for ethical wildlife and cultural experiences so your experience doesn’t harm the environment or people involved.

Check out our tips for photographing wildlife and keep those camera batteries charged to make sure you’re ready for those gorilla, lion, and other wildlife shots!

This is only a summary of coverage and does not include the full terms and conditions of the plan. It is important you read and understand your plan as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, 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
  • 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?

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?
  • Need to get to 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
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
Photo © Shutterworx/IStock
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Travel insurance for Spain

Discover how World Nomads Insurance can help you travel better

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Tapas, wine, sunshine and fiestas. Olé!

From hiking the scenic trails of the Pyrenees, to marvelling at the Alhambra in Granada, or cheering for FC Barcelona, Spain has something for everyone. If you’re a New Zealander heading on an adventure to La Roja, you should consider World Nomads travel insurance when packing your bags.

Barcelona
Barcelona skyline at sunrise. Image credit: Pol Albarrán

What's covered

Our policies can offer cover (up to policy limits) for benefits including:

World Nomads offers two plans – Standard and Explorer – each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.

Why should I consider travel insurance for Spain?

Travel insurance could help if you land in Barcelona but your baggage doesn’t, you suffer a travel delay, or you need to be medically evacuated.

Backpacking in Spain

With plenty of affordable accommodation, delicious food and a never-ending list of famous sights, Spain is a backpacker's dream! Our policies may cover you if your wallet is stolen whilst browsing the El Rastro markets, for travel delays or if your trip is cancelled.

Adventuring in Spain

Our policies can cover injuries and accidents for more than 150 activities, sports and experiences - whether you’re cycling the Basque country, kayaking in Costa Brava or hiking in the Pyrenees. Just be sure to specify the activities you intend to do when you purchase your policy, as you can’t add them afterwards.

Medical Mishaps

Our policies can cover you if you get sick from a dodgy prawn in your paella, or are in a serious accident that requires emergency treatment, evacuation. We can even bring you home for treatment. We can cover hospitalisation, evacuation, treatments and more.

What should I look out for when travelling around Spain

As fun and fascinating as Spain can be, there are some things you should be aware of:

Crime in Spain’s hotspots

Wandering the streets of Madrid, Barcelona, and Seville can be a wonderful experience, but remember to remain vigilant and keep your valuables in sight. Watch out for bag snatching, pickpockets, and theft from cars. If you’re taking tech gear and other high value items our policies can cover you with an upgrade.

Natural disasters in Spain

Spain experiences earthquakes, severe storms, and wildfires. Our policies offer cover for natural disasters. To be covered you’ll need to purchase your policy before the natural disaster event is known.

Have fun at festivals but don’t overdo it

Spain has some of the best party spots in the world – Ibiza anyone? When going to party hotspots and festivals be aware of your surroundings, especially if you’re travelling solo and don’t know the language. Don’t overdo it when it comes to drinking and be careful of accepting drinks from strangers.

Remember that benefits limits apply, and benefits may differ depending on the plan you purchase. If you’re unsure of anything, contact us.

Exterior of the Cathedral of Plasencia, Extremadura, Spain.
Cathedral of Plasencia. Image credit: Emerson Mendoza Ayala

What's not covered

While there are several things we offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government (see www.safetravel.govt.nz)
  • Any activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
  • The Running of the Bulls
  • Unsupervised baggage or personal items
  • Being intoxicated by alcohol or drugs or acting illegally.

Travel insurance and safety tips when visiting Spain

  • Running with the bulls in Pamplona? It’s a no from us - our policies do not cover this activity.
  • Keep your personal items close: petty crime is a problem in big cities like Barcelona. Take care at busy tourist spots, beaches and on public transport.
  • Be mindful of tourist scams: common scams include the flower scam and pigeon poo scam.
  • Keep copies of all receipts, tickets, paperwork: you’ll need to provide these in the event of a claim.
  • Prepare for the outdoors: make sure you have adequate gear including sunscreen and water. Spain has a warm climate – you don’t want to ruin your holiday with severe sunburn or heatstroke!

New Entry/Exit System (EES) starts October 2025

If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.

The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.

Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

ETIAS delayed until 2026

The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.

Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go. 

The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.

While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.

Learn more about the ETIAS by checking out our Travel Wiser article.

Have more questions?

If you have more questions about travel insurance, feel free to contact us.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy 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.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

FAQ

Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team. 

  • Do I need a Schengen Visa to travel to Spain?
    Yes! When in Spain, it’s very important to have a valid passport and a Schengen visa if you’re not a European citizen as this will help you move freely around the 27 EU member states. If you’re travelling to Spain on a short trip, you will likely need to apply for a Schengen short-stay visa for Spain. Consult the Schengen Visa website for more details.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
Photo © Shutterworx/IStock
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Travel Insurance for Spain

Discover how World Nomads travel insurance plans could help you travel better.

    As featured in:

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From catching waves on the beaches of San Sebastian, to exploring the vibrant streets of Barcelona, or touring the tapas scene in Valencia, Spain has something for all Australian travellers. If you’re heading on an adventure to La Roja, learn how travel insurance could help.

Barcelona
Barcelona skyline at sunrise. Image credit: Pol Albarrán

What's covered

Our policies can offer cover (up to policy limits) for benefits including:

World Nomads offers two plans – Standard and Explorer – each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.

Why should I consider travel insurance for Spain?

Travel insurance could help if you land in Barcelona but your baggage doesn’t, you suffer a travel delay, or you need to be medically evacuated.

Backpacking in Spain

With plenty of affordable accommodation, delicious food and a never-ending list of famous sights, Spain is a backpacker's dream! Our policies may cover you if your wallet is stolen whilst browsing the El Rastro markets, for travel delays or if your trip is cancelled.

Adventuring in Spain

Our policies can cover injuries and accidents for more than 150 activities, sports and experiences - whether you’re cycling the Basque country, kayaking in Costa Brava or hiking in the Pyrenees. Just be sure to specify the activities you intend to do when you purchase your policy, as you can’t add them afterwards.

Medical Mishaps

Our policies can cover you if you get sick from a dodgy prawn in your paella, or are in a serious accident that requires emergency treatment, evacuation. We can even bring you home for treatment. We can cover hospitalisation, evacuation, treatments and more.

What should I look out for when travelling around Spain

As fun and fascinating as Spain can be, there are some things you should be aware of:

Crime in Spain’s hotspots

Wandering the streets of Madrid, Barcelona, and Seville can be a wonderful experience, but remember to remain vigilant and keep your valuables in sight. Watch out for bag snatching, pickpockets, and theft from cars. If you’re taking tech gear and other high value items our policies can cover you with an upgrade.

Natural disasters in Spain

Spain experiences earthquakes, severe storms, and wildfires. Our policies offer cover for natural disasters. To be covered you’ll need to purchase your policy before the natural disaster event is known. Check your policy carefully as benefit limits apply and vary between plans.

Festivals

Spain has some of the best party spots in the world – Ibiza, anyone? When travelling to party hotspots and festivals be aware of your surroundings, especially if you’re travelling solo and don’t know the language. Don’t overdo it when it comes to drinking and be careful of accepting drinks from strangers.

Remember that benefits limits apply, and benefits may differ depending on the plan you purchase. If you’re unsure of anything, contact us.

Exterior of the Cathedral of Plasencia, Extremadura, Spain.
Cathedral of Plasencia. Image credit: Emerson Mendoza Ayala

What's not covered

While there are several things we offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

  • Travelling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see Smartraveller)
  • Any activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
  • Participation in a sport or activity not listed in the Product Disclosure Statement (PDS) or agreed by World Nomads where you haven’t paid the required additional premium.
  • Unsupervised baggage or personal items
  • Being intoxicated by alcohol or drugs or acting illegally.
  • Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
  • Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.

New Entry/Exit System (EES) starts October 2025

If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.

The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.

Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

ETIAS delayed until 2026

The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.

Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go. 

The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.

While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.

Learn more about the ETIAS by checking out our Travel Wiser article.

Travel and safety tips when going to Spain

  • Running with the bulls in Pamplona? It’s a no from us - our policies do not cover this activity.
  • Keep your personal items close: petty crime is a problem in big cities like Barcelona. Take care at busy tourist spots, beaches and on public transport.
  • Be mindful of tourist scams: common scams include the flower scam and pigeon poo scam.
  • Keep copies of all receipts, tickets, paperwork: you’ll need to provide these in the event of a claim.
  • Prepare for the outdoors: make sure you have adequate gear including sunscreen and water. Spain has a warm climate – you don’t want to ruin your holiday with severe sunburn or heatstroke!

Have more questions?

If you have more questions about travel insurance, feel free to contact us.

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.

Frequently asked questions about travel insurance for Spain

Here are our most frequently asked questions about buying travel insurance for a trip to Spain. Find answers to common questions in our Help Centre. 

  • Do I need a Schengen Visa to travel to Spain?
    Yes! When in Spain, it’s very important to have a valid passport and a Schengen visa if you’re not a European citizen as this will help you move freely around the 27 EU member states. If you’re travelling to Spain on a short trip, you will likely need to apply for a Schengen short-stay visa for Spain. Consult the Schengen Visa website for more details.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
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Travel Insurance for Chile

Geysers, glaciers and Chilean wine awaits. Learn how travel insurance can help Americans visiting Chile.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

Chile offers countless opportunities to see some of the world’s most iconic natural wonders. Many Americans enjoy visiting El Tatio - a geothermal area that consists of geysers, fumaroles, and other geological structures. You can also cruise to the El Brujo Glacier, venture out to see some of the amazing national parks in Patagonia, kayak to take in the beauty of the Marble Caves in the Aysen region, or see the Moai statues at Easter Island.

While a trip to Chile is an amazing experience, there are some things to be aware of when you’re visiting from the US. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels, and we encourage you to check out our team’s tips on things to know before you visit Chile —and look into travel insurance* options for Chile.

Do I need travel insurance for Chile?

International travel can bring all kinds of unexpected surprises - like the hidden petroglyphs that you can find in the Atacama Desert.

Some surprises are not as great. Nobody wants to think about things like canceled trips, delayed baggage and medical emergencies, but these things can happen unexpectedly. If you fall and get hurt while hiking the Guatin Canyon in the Atacama Desert, you may then wish that you had travel insurance for Chile.

There are four plans to select from, and when you get a quote, you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Chile

While you’ll have an out-of-this-world time hiking through the desert, Chile offers many thrilling adventures beyond Atacama. World Nomads covers more than 250 activities for Americans traveling to Chile and includes things like rafting the Rio Futaleufu and rock climbing in Patagonia.

Before you get a quote for your travel insurance for Chile, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.

Glacier walking in Torres del Paine will be covered by all insurance plans, including the Standard Plan. However, if you’re an avid climber and wish to summit Ojos del Salado— Chile’s highest peak that reaches over 22,615 feet—you’ll need to purchase the Epic Plan, which covers high altitude mountaineering up to 26,247 feet.

Travel insurance for medical emergencies in Chile

One of the coolest (or should we say hottest) things to see in Chile are the geysers. It’s fascinating to see the eruption of the steaming water shooting high into the air. As you can imagine, it also comes with its own set of dangers. Although it doesn’t happen a lot, we’ve heard reports of travelers falling into geysers and being severely burned.

Watch your steps when you’re near geysers. The thick fog from the fumaroles and glares from the sun can sometimes make it difficult to see where you’re stepping. Accidents do happen a travel insurance plan for Chile may help reimburse you for those unexpected medical emergencies.

If you have a medical emergency when traveling to Chile, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your Chilean medical team if there’s language barriers.

If your doctor (and the 24/7 Emergency Assistance Team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Chile may cover the costs to get you there.

To streamline your experience seeking medical treatment in Chile, we recommend signing up for FootprintID before your trip. This non-insurance service is a portable personal health record where your documents, prescriptions, test results, and emergency contacts are accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.

Travel insurance for lost bags in Chile

Nobody plans for lost bags, but it happens. If you’re planning to trek through the Andes Mountains, you may be bringing along your new pair of hiking boots. What happens if you get to Santiago and then realize that the airline lost your bag? Your travel insurance for Chile may reimburse you for the cost to replace your hiking boots and other belongings.

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful. If your bag is delayed for at least 12 hours, you may be reimbursed for a change of clothes and toiletries until it gets back to you.

If that bag goes missing at the airport, the first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact Blue Ribbon Bags, our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim.

Travel insurance for stolen items in Chile

Theft is something to watch out for when you travel to Chile - especially in crowded touristy areas like Santiago and Valparaiso. Be aware of your surroundings and avoid putting anything valuable in your back pockets. You may also want to carry handbags across your body, and wear backpacks on your front.

Keep an eye on your bags at bus terminals, train stations, and airports. We’ve heard about organized scams where a visitor gets sprayed with something and then a “good Samaritan” points it out and offers to help. It’s really a ploy to divert your attention while someone else comes up and steals your belongings.

If anything does happen, make sure you make a police report. You’ll need that to make a claim.

Travel insurance for canceled, interrupted, or delayed trips to Chile

When you’re searching for the best travel insurance for Chile, check to make sure it has coverage for trip cancelation, trip delay, and trip interruption. If it does, you mayh be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.

Chile is located on the Pacific Ring of Fire –earthquakes and volcanoes can happen anytime. The government has been known to restrict access to Conguillo National Park because of concerns about flare-ups of the Llaima volcano.

If your trip is canceled because a volcano erupts and makes it impossible for you to get there, your travel insurance for Chile may help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance. You’ll need to have purchased your plan before the eruption (once it erupts, it’s no longer unexpected and travel insurance doesn’t cover “known events”).

Travel insurance may also help if you’re already on your trip and something happens. For example, you may need to go back to the United States early if an immediate family member has an unexpected medical emergency or dies.

The Explorer and Epic Plan can also cover various travel inconveniences. Perhaps you’ve booked a ski vacation at Valle Nevado in the Andes, but the snow isn’t great. If the resort closes all or part of its facilities for at least one day during your visit due to lack of snow, you may be eligible to be paid for the inconvenience.

Tips for traveling to Chile from the United States

Before you leave the US, we encourage you to check out the US government’s safety warnings for Chile. Weather, safety, and political situations can change at any time, and this is where they list any advisories that may exist at that time.

If you purchase travel insurance for Chile, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Take extra camera batteries. The worst feeling is to get set up for the perfect shot of an Andean Condor, only to find out you have a dead battery. If you make the journey to see the penguins, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.

There are so many great tours that American visitors can book in Chile. When you’re researching options, try to find an eco-friendly tour operator. With the vast amount of untouched natural land and waterways in Chile, it’s up to us nomads to do our part to protect it for years to come.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel Insurance for Argentina

Hanging with penguins by day and tangoing at milongas all night, learn how travel insurance could help Americans in Argentina. 

    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.

It’s no wonder Argentina is a popular destination for Americans. Whether you’re taking a road trip to see glaciers, experiencing the nightlife in Buenos Aires, rafting the Mendoza River, or visiting the hot springs in Concordia, there are countless adventures for our World Nomads travelers.

While a trip to Argentina is an amazing experience, there are some things to be aware of when you’re visiting from the United States. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels and we encourage you to check out our team’s tips on what to know before you go to Argentina—and also consider getting travel insurance* to protect your trip.

Do I need travel insurance for Argentina?

International travel can bring all kinds of unexpected surprises. Some are great, like the new friendships made while sipping mate or discovering that the flower shop in Retiro is actually a secret speakeasy.

Some surprises are not so great. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you fall and get hurt while enjoying some of the great hiking spots in Argentina you may wish that you had travel insurance.

There are four plans to select from, and when you get a quote, you can compare the options to determine which international travel insurance plan for Argentina fits your needs.

Travel insurance for activities in Argentina

From surfing at Mar del Plata to riding horses with the gauchos in Bariloche, World Nomads covers more than 250 activities for Americans traveling to Argentina. You could even be covered for rock climbing in Piedra Parada and camping in Los Glaciares National Park.

When you get a quote for your travel insurance for Argentina, it’s helpful to have an idea of your planned activities. Each plan covers different activities so if you know what you’ll be doing ahead of time, you can select the best insurance for your Argentinian adventure.

If you plan to hike and camp in the Argentinian Patagonia, all plans will cover your adventures if you stay under 19,685 feet. However, if you’re dreaming of a hot air balloon ride over Mendoza wine country, you’ll need to purchase the Explorer or Epic Plan to be covered.

Travel insurance for medical emergencies in Argentina

Our nomads all agree that one of our favorite activities is visiting Perito Moreno glacier in Patagonia. While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. You may need to get medical care if you slip and fall on the ice-- and travel insurance for Argentina can help you get the treatment you need.

If you have a medical emergency when traveling to Argentina, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. You’ll need to call and report your emergency as soon as it happens, or as soon as possible. They can also help communicate with your Argentinian medical team if language is a barrier.

If your attending physician (and the 24/7 Emergency Assistance Team) determines that it’s best for you to go home to the United States to get medical care, the repatriation coverage that is included in your travel insurance for Argentina may cover the costs to get you there.

To streamline your experience in seeking medical treatment in Argentina, we recommend signing up for FootprintID before your trip. This non-insurance service is a portable personal health record where your documents, prescriptions, test results, and emergency contacts are accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.

Travel insurance for lost bags in Argentina

Nobody plans for lost bags, but it happens. If you’re planning to hike the Cerro de Siete Colores (the stratified Hill of Seven Colors), you may be bringing along your new pair of hiking boots. If you get to Jujuy and realize that the airline lost your bag, your travel insurance for Argentina may reimburse you for the cost to replace your hiking boots and other belongings.

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If you bag is delayed by 12 hours or more, you may be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If they’re unable to locate your bag, the second step is to contact Blue Ribbon Bags, our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline.

Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim. Baggage information and receipts for lost bags and goods are needed to complete the claim.

Travel insurance for stolen items in Argentina

Theft is something to watch out for when you travel to Argentina - especially in crowded tourist areas like Buenos Aires. Be aware of your surroundings and avoid putting anything valuable in your back pockets.

Smartphones and iPads are expensive in Argentina. Try not to use these in public, and definitely don’t leave them sitting around. Expensive jewelry can also be appealing, so you may want to leave the bling locked up in your hotel room safe.

Another thing to be aware of in Argentina is motochorros (motorcycle robberies). This is where two people on a motorcycle grab your belongings from your hand as they are passing by you, and then speed off.

Many American visitors don’t have any problems at all when visiting Argentina, but it’s always important to be vigilant. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim with your travel insurance for Argentina.

Do your part to keep your belongings safe too. Argentina is famous for its wine and there are plenty of opportunities to taste Argentinian varietals. However, if you’re in Cafayate, overindulge at your wine tasting, and forget your purse at the vineyard, you won’t be covered by your travel insurance for Argentina if it’s not there waiting for you the next day.

Travel insurance for canceled, interrupted, or delayed trips to Argentina

Sometimes you have the perfect getaway planned, but things happen. When you’re searching for the best travel insurance for Argentina, check to make sure it has coverage for trip cancellation, trip delay, and trip interruption.

Argentina is in an active seismic zone, and there’s the possibility of natural disasters that can affect your travels. If your trip to Salta is canceled because an earthquake makes it impossible for you to get there, your travel insurance for Argentina may help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance.

Travel insurance may also help if you’re already on your trip and something happens. For example, you may need to go back to the US early if an immediate family member has an unexpected medical emergency or dies.

The Explorer and Epic Plan also can cover various travel inconveniences you may encounter. If you’re on a cruise expedition exploring the wild southern coast of South America and you encounter a storm, causing you to miss your port call in Ushuaia, you may be eligible to be paid for the inconvenience.

Tips for traveling to Argentina from the United States

Before you leave the US, we encourage you to read up on laws in Argentina and check out the US government’s safety warnings for Argentina. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist.

If you purchase travel insurance for Argentina, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Take extra camera batteries. The worst feeling is to get set up for the perfect shot of the Magellanic penguins on Punta Tombo, only to find out you have a dead battery. If you do decide to make the journey to see the penguins, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.

Enjoy the adventures but make time for a little rest and relaxation too. In many areas, siestas are a part of the culture in Argentina. So, do as the locals do, and don’t feel bad about squeezing in a little nap time between all your awesome adventures and activities.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
Photo © YinYang/IStock
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel Insurance for Cambodia

From its ancient wonders to its sandy beaches, learn how travel insurance can help Americans traveling to Cambodia. 

    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.

At a glance:

  • Travel insurance benefits for Cambodia may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across Cambodia (hiking included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

From catching sunrises over Angkor Wat to relaxing on the shores of Koh Rong, Cambodia is home to ancient wonders, mouthwatering dishes like fish amok, and beautiful jungle and coastal landscapes. Thousands of Americans make the trip to Cambodia every year to dive deeper into the wonders this Southeast Asian country has to offer.

Sample pepper straight from the trees in Kampot, fill up on crab in Kep, and visit the floating villages on Tonle Sap. Admire the gilded Royal Palace in Phnom Penh, wander through the markets of Siem Reap, and explore ancient temples beyond Angkor Wat. Unwind on peaceful Koh Thmei or drink Angkor beers and dance the night away in Sihanoukville.

While a trip to Cambodia is an incredible experience, there are some things to be aware of when visiting from the US, including theft and motorcycle accidents. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Cambodia.

Do I need travel insurance for Cambodia?

International travel can bring all kinds of unexpected surprises - like swimming in bioluminescence waters along on the Cambodian coast.

Some surprises are not as great though. Nobody wants to think about canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you get into a motorcycle accident while cruising around Siem Reap, you may then wish that you had travel insurance for Cambodia.

World Nomads has four plans to choose from, and when you get a quote you can compare the options to choose the best international travel insurance for your needs.

Travel insurance for activities in Cambodia

Cambodia has plenty of adventures to offer the active traveler. Nature lovers will particularly be enthralled by Cambodia’s wild east, where you can look for endangered river dolphins, go wild swimming, and visit tribal villages and waterfalls. World Nomads covers more than 250 activities for Americans traveling to Cambodia and includes things like scuba diving in Koh Kon, hiking through the remote jungles of Virachey National Park, and kayaking down the Mekong River.

When you get a quote for your travel insurance for Cambodia, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing your activities in advance will help you choose the best insurance for your trip.

Ziplining over the spectacular Bousra waterfall, cycling around Koh Trong Island, and volunteering at the ethical Elephant Valley Project are covered under all plans, including the Standard Plan. If you want to climb via ferrata in the rock formations around Kampot, though, you’ll need to invest in an Explorer or an Epic Plan.

Travel insurance for motorbiking in Cambodia

Motorbiking is common in Cambodia, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.

We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Cambodia because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The rules of the road can be very different from back home in the United States and traffic can be hectic. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Cambodia won’t cover you.

If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Cambodia before you leave the US. You can get specific license requirements for Cambodia on the U.S. government’s website. You’ll also want to review your plan wording carefully when you get a quote for travel insurance for Cambodia.

Travel insurance for medical emergencies in Cambodia

Before you take off on your Cambodian adventure, we recommend that you make an appointment with our Pre-Departure Telehealth Service. Our non-insurance partner offers online consultations 24/7 and can help you obtain necessary vaccinations or medications, such as medication to help with traveler’s diarrhea or malaria prevention. We also recommend you pack a strong mosquito repellent and sunscreen to keep you protected on your travels.

Medical care in Cambodia looks a bit different than what you’re used to in the US. If you crash your bike while cycling around the temples of Angkor Wat, you may need to seek medical attention. In the event of a medical emergency while traveling in Cambodia, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.

If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Cambodia may cover the costs to get you there.

Travel insurance for lost and stolen bags in Cambodia

What happens if your bags don’t show up at baggage claim when you land in Phnom Penh? If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is at least 12 hours delayed, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service, Delayed or Lost Baggage Tracking and Delivery. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Petty theft, crime, and pickpockets can take place in Phnom Penh and touristy spots like Angkor Wat and Sihanoukville. Motorcyclists have been known to grab bags as they drive by people on the street. Watch out for scams, as well. A common one is a child or mother asking you to buy them formula from a store, which they’ll return for money.

Keeping your bag in front of you, having an eye on your belongings, and leaving your valuables locked in a safe at your hotel minimize the risk of theft. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim.

It's important that you do your part to keep your belongings safe. If you have a few too many beers during a night out in Phnom Penh, leave your belongings unattended at a nightclub, and your purse is stolen, your travel insurance for Cambodia won’t cover you.

Travel insurance for canceled, interrupted, or delayed trips to Cambodia

Even if you’ve booked all your hotels and excursions for Cambodia, unexcepted things can happen that might disrupt your trip. When looking for travel insurance plans for Cambodia, consider getting one that covers trip cancelation, delays, and interruptions.

Cambodia is vulnerable to natural disasters and can experience things like flooding, cyclones, and landslides throughout the year. If an unforeseen cyclone hits Cambodia before you leave for your trip and the US government issues a warning for travel there, your travel insurance for Cambodia may reimburse you for pre-paid, non-refundable flights, tours, and accommodation.

Cambodia is quite a journey from the United States so if you want an additional safety net for your trip, consider purchasing CFAR (cancel for any reason) as an add-on to your Explorer or Epic Plan during the time-sensitive period. Whether you simply change your mind or need to cancel your vacation for any reason not covered by the insurance plan, CFAR allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise or a cultural excursion.

Tips for traveling to Cambodia from the United States

Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Cambodia. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Cambodia, it is 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.

Remember that Cambodia has a complicated history, and the majority of the population has been impacted by the Khmer Rouge in some capacity. Visit sites like Choeung Ek Killing Fields to learn more about this side of Cambodia’s history and be respectful when discussing these topics. You can also check out our tips on how to be a responsible traveler in Cambodia.

If it aligns with your schedule, visit during the Khmer New Year in April, which is a colorful, family-centric celebration and a fantastic way to experience Khmer culture.

*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.
Photo © Getty Images / John Elk III
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel insurance for Laos

Whether you’re chasing waterfalls or Buddhist temples, learn how travel insurance can benefit Americans traveling to Laos.

    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.

At a glance:

  • Travel insurance benefits for Laos may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across Laos (kayaking and rafting included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

Also known as the “Land of a Million Elephants,” Laos offers an intriguing blend of Buddhist culture, French colonial history, Khmer ruins, scenic landscapes, and laidback villages. Whether you want to go caving in Tham Nam, learn from remote mountain tribes like the Hmong and the Karen, or visit Buddhist monasteries like Pha That Luang, Laos has plenty of highlights that rival its more well-visited neighbors. You can chase islands, caves, and waterfalls in Southern Laos or head to Northern Laos for hiking, cultural, and cycling adventures.

In Vientiane, you can kick back at a trendy café, admire colonial era architecture, step back in time at historic Buddhist temples, and sample Laotian specialties like Khao Piak Sen (rice noodle soup). Beyond its buzzy cities, Laos is also a wonder for nature seekers. You can refresh in waterfalls, look for river dolphins, or take a boat ride in Nong Kiau.

While a trip to Laos is an incredible experience, there are some things to be aware of when visiting from the US, including lost luggage and motorcycle accidents. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Laos.

Do I need travel insurance for Laos?

International travel can bring unexpected surprises, like coming across a mountain covered in ancient stone jars in Xiangkhoang Plateau. However, some surprises are not as exciting. Nobody wants to think about delayed flights or lost bags, but these things can happen unexpectedly.

If you get into a motorcycle accident while biking around Luang Prabang, you may need to see a doctor. You may then wish that you had travel insurance for Laos.

World Nomads has four plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance plan for your needs.

Travel insurance for activities in Laos

From the meandering Mekong River to the rolling mountains, Laos is plentiful with adventures. Seventy percent of the country’s geographic area is made up of mountains, highlands, and plateaus, after all. While you may not be able to go tubing in Vang Vieng anymore, the area remains a hub for rock climbing, mountain biking, kayaking, and other outdoor adventures. World Nomads covers more than 250 activities for Americans traveling to Laos and includes things like climbing Phou Bia—the highest mountain in Laos--, rafting on the Lao River, and canyoning in Nam Sa Nam.

When you get a quote for your travel insurance for Laos, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing your activities in advance will help you choose the best insurance for your trip.

You can volunteer with ethical wildlife non-profits like Lao Conservation Trust for Wildlife or motorbike the Bolaven Plateau Loop—home to waterfalls and coffee plantations—with any plan, including the Standard Plan. If taking a hot air balloon ride over the cliffs of Vang Vieng is on your bucket list, though, you’ll need to invest in the Explorer or the Epic Plan.

Travel insurance for motorbiking in Laos

Motorbiking is common in Laos, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.

We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Laos because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The rules of the road can be very different from back home in the United States. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Laos won’t cover you.

If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Laos before you leave the US. You can get specific license requirements for Laos on the U.S. government’s website and will want to review your plan wording carefully when you get a quote for travel insurance for Laos. We also recommend that you read up on how to safely motorbike in Laos.

Travel insurance support for medical emergencies in Laos

Before you leave the United States, we recommend you book an appointment with our Pre-Departure Telehealth service. This non-insurance service offers online consultations 24/7 and can help you obtain necessary medications before you take off for Laos, such as certain vaccinations or antimalarial medication.

We also recommend you pack a strong mosquito repellent and sunscreen to keep you protected on your travels. You should avoid drinking tap water and instead stick with boiled or bottled water. Trust us, food poisoning is a sure way to throw off your travel plans!

Medical care in Laos looks a bit different than what you’re used to in the US. If you get injured while climbing Pha Daeng, you may need to seek medical attention. In the event of a medical emergency while traveling in Laos, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.

If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Laos may cover the costs to get you there.

Travel insurance for lost and stolen bags in Laos

What happens if you land in Vientiane to find that your bags haven’t arrived? It’s no fun to be waiting at the luggage carousel wondering if your bag is on its way. If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

While Laos is generally a safe place, petty theft and pickpockets can happen in crowded tourist spots or on public transportation. Like anywhere you travel, it’s smart to keep your belongings where you can see them and store your valuables in a safe at your accommodation. If anything does happen, make sure you file a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for Laos.

Travel insurance for canceled, interrupted, or delayed trips to Laos

Even if you’ve booked all your hotels and excursions for Laos, unexcepted things can happen that might disrupt your trip. When looking for travel insurance plans for Laos, make sure to get one that covers trip cancelation, delays, and interruptions.

What happens if you get sick a few days before leaving for Laos? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for Laos that includes cancelation coverage could reimburse you for those non-refundable or transferable flights, hotels, and activities you paid for in advance.

If you’re already on your trip, and something happens to interrupt your vacation, World Nomads travel insurance may compensate you for covered reasons. For example, if your travel companion gets in a motorcycle accident and needs to stay in the hospital for at least 24 hours, your expenses (up to plan limits) could be covered, too. Make sure to keep all documentation and receipts for things you paid for in advance- you’ll need those if you make a claim.

Tips for traveling to Laos from the United States

Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Laos. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Laos, it is 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.

Laotians have a reputation for being warm and welcoming towards tourists. Beyond a warm welcome, you have stunning scenery and rich culture to look forward to. To help prep for your trip, you may want to read up on the things to know before you visit Laos. Brush up on some local phrases and embrace the spirit of slow travel to help you get off the beaten path in Laos and enjoy this surprising country.

*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.
Photo © Getty Images / John Coletti
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Travel Insurance for Vietnam

From street eats in Hanoi to sailing around Halong Bay, learn how travel insurance can help Americans traveling to Vietnam.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

At a glance:

  • Travel insurance benefits for Vietnam may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across Vietnam (kayaking and hiking included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

Slurping down bowls of steaming Pho on a corner in Ho Chi Minh City, cruising along the coast from Hanoi to the Mekong Delta, and hiking through terraced rice fields in Sapa are probably a few of the visions you have of exploring vibrant Vietnam. This Southeast Asian country draws thousands of American visitors each year to adventure through storied landscapes, buzzing cities, and, of course, to sample its famed cuisine.

You can get lost in a sea of motorcycles in busy Ho Chi Minh, check out the evolving underground scene in Hanoi, get a history lesson at war memorials such as the Cu Chi Tunnels and at ancient Confucius sites like the Temple of Literature, and unwind on a boat trip down the Mekong River. Nature travelers might want to explore Northern Vietnam, where lush hills, waterfalls, and tiny mountain villages like Mai Chau are in abundance.

While a trip to Vietnam is an incredible experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Vietnam.

Do I need travel insurance for Vietnam?

International travel can bring all kinds of unexpected surprises - like tasting the banh mi from a legendary sandwich shop in Hoi An.

Some surprises are not as great though. Nobody wants to think about canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If crash your bicycle while cycling through the mountains around Dalat, you may then wish that you had travel insurance for Vietnam.

World Nomads has four plans to choose from, and when you get a quote you can compare the options to choose the best international travel insurance for your needs.

Travel insurance for activities in Vietnam

From cruising in Halong Bay to exploring the caves in Phong Nha-Kẻ Bàng National Park, Vietnam is brimming with adventures for the adrenaline seekers and outdoor travelers. World Nomads covers more than 250 activities for Americans traveling to Vietnam and includes things camping on Cat Ba Island, canyoning in Dalat, and swimming in the ocean.

When you get a quote for your travel insurance for Vietnam, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing which activities you’ll do in advance will help you choose the best insurance for your trip.

Things like kayaking in beautiful Tu San Gorge and rock climbing in Hữu Lũng are covered under all plans, including the Standard Plan. However, if you’re hoping to go cliff jumping in Nha Trang, you’ll need to purchase the Explorer or the Epic Plan for coverage.

Travel insurance for motorbiking in Vietnam

Motorbiking is common in Vietnam, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.

We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Vietnam because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The roads are often narrow and windy, and in the cities are clogged with traffic. The rules of the road can be very different from back home in the United States. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Vietnam won’t cover you.

If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Vietnam before you leave the US. You can get specific license requirements for Vietnam on the U.S. government’s website. You’ll also want to review your plan wording carefully when you get a quote for travel insurance for Vietnam.

Travel insurance support for medical emergencies in Vietnam

Before you take off on your adventure to Vietnam, we recommend that you make an appointment with our Pre-Departure Telethealth Service. This non-insurance service offers online consultations 24/7 and can help you obtain necessary vaccinations or medications, such as medication to help with traveler’s diarrhea. Depending on which region of Vietnam you’ll be visiting, they can also recommend whether you should take an anti-malarial medication.

Let’s face it—eating street food is practically synonymous with a vacation in Vietnam. We certainly can’t blame you for wanting to try bun cha, bot chien, and banh xeo, but street food can be a gamble and you should choose your vendors carefully. Food poisoning is no fun when traveling. Also remember to drink filtered or bottled water, as tap water is generally not recommended to drink.

Your travel insurance may also come into handy if you fall and injure yourself while hiking one of the many beautiful trails in Vietnam. If you have a medical emergency while traveling in Vietnam, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. If you’re traveling in a remote area, they may be able to help transfer you to a suitable facility for care and can also help communicate with your local medical team if there are language barriers.

In the event that your attending physician (and the 24/7 Emergency Assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for South America may cover the costs to get you there.

Travel insurance for lost and stolen bags in Vietnam

What happens if you land in Ho Chi Minh City to find that your bags didn’t arrive at the same time you did? If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bags are delayed for at least 12 hours, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our Delayed or Lost Baggage Tracking and Delivery non-insurance service. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Petty theft and pickpockets can happen in Vietnam’s urban centers. Pay attention if you’re in a crowded market or walking along the streets. Motorcyclists have been known to grab bags as they drive by people on the street. Keeping your bag in front of you, keeping an eye on your belongings, and leaving your valuables locked in a safe at your hotel minimize the risk of theft. If anything does happen, make sure you make a police report. You’ll need to make a claim and get reimbursed for stolen goods with your travel insurance for Vietnam.

Travel insurance for canceled, interrupted, or delayed trips to Vietnam

Even if you’ve booked all your hotels and excursions for Vietnam, unexcepted things could happen that might disrupt your trip. When looking for travel insurance plans for Vietnam, consider getting one that covers trip cancelation, delays, and interruptions.

Vietnam is prone to natural disasters, particularly flooding and landslides during monsoon season, which runs from June through November. If a flood closes roads and makes it impossible to get to your destination, your travel insurance for Vietnam may help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance. Or, if a landslide destroys your accommodation and makes it uninhabitable, World Nomads travel insurance may also be able to help.

What happens if your travel companion gets in a motorcycle accident and needs to stay in the hospital for at least 24 hours? Your expenses (up to plan limits) could be covered, too, under the Trip Interruption benefit. Make sure to keep all documentation and receipts for things you paid for in advance- you’ll need those if you make a claim.

Tips for traveling to Vietnam from the United States

Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Vietnam. Weather, safety, and political situations can change at any time, and this is where they list any current advisories. You also may want to read up on our tips for traveling to Vietnam.

If you purchase travel insurance for Vietnam, it is 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.

Learn a few Vietnamese phrases before you take off—these can help you bargain and order the best food! Read up on Vietnam’s complex history, both ancient and contemporary, to give you some context for your trip. And don’t be afraid to venture into the unknown. Vietnam has plenty of lesser-visited spots beyond its most popular destinations. Check out our recommendations for getting off the beaten track in Central Vietnam for some inspiration!

*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.

Get a quote

Before you pack your bags to explore Vietnam’s wonders get a quote for travel insurance. It may come in handy if you need it in an overseas emergency.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
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