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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.

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 fly to Laos, we recommend that you make an appointment with Runway Health – an online travel clinic and our non-insurance service partner. The telehealth service offers affordable 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. 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 Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags 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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  • 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.

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 Runway Health-- an online travel clinic and our non-insurance service partner. The telehealth service offers online consultations 24/7 and can help you obtain 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 Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags 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
Photo © Getty Images / © Marco Bottigelli
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Discover the exciting benefits of our enhanced travel insurance

    As featured in:

  • As featured in:

We're thrilled to announce a range of improved benefits, limits and services, for European travellers, designed to enhance your travel experience.

These new features bring you more coverage options and greater feature benefits, ensuring that every adventure is safeguarded. What hasn't changed is our commitment to the values and ideals that have always made World Nomads the preferred choice for adventure-minded travellers. Let’s dive in and explore what’s new.

New features added – even more on the way:

SmartDelay™: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more. The service is available on all Single Trip policies. The lounge pass will also be extended to up to 4 of your travelling companions, provided they’re listed on your policy and travelling on the same delayed flight. Check the Terms & Conditions to learn more about how the service works.

World Nomads Powered by Air Doctor: Air Doctor is a platform designed to connect travellers with trusted healthcare professionals around the world. Through this feature, World Nomads travel insurance customers will gain access to a network of carefully vetted doctors, ensuring they receive quality medical care wherever they may be. When seeking treatment for minor illnesses, travellers can rely on Air Doctor to provide them with access to medical professionals who speak their language and understand their needs, without having to navigate an unfamiliar healthcare system.

What type of cover do I get with World Nomads new Single Trip insurance policies?

When you choose a travel insurance policy, understanding the extent of coverage is paramount. Let's explore the benefits and limits associated with the updated Single Trip insurance plans offered by World Nomads (as of June 27, 2024).

Single Trip insurance (Standard):

  • Cancelling Your Trip: Benefit up to €4,000 for non-refundable costs incurred due to unexpected trip cancellation.
  • Cutting Short Your Trip: Benefit up to €3,500 for non-refundable costs and additional costs incurred due to unexpected early return.
  • Emergency Medical Expenses Overseas: Coverage of up to €5,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to €1,500 against loss, theft, or damage to personal belongings during travel (€150 per item; €300 overall limit for valuables & gadgets).
  • Travel Documents: Reimbursement of expenses up to €350 for replacing lost or stolen travel documents.
  • Delayed Baggage: Benefit of €125 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of €10,000 for accidental death or permanent total disablement (€5,000 accidental death benefit for individuals under 18).
  • Personal Liability: Protection of up to €2,500,000 for damages if legally liable for causing injury, death, or property damage to a third party.
  • Additional Upgrades: Optional upgrades available for high-value luggage items.

Single Trip insurance (Explorer):

  • Cancelling or Cutting Short Your Trip: Benefit up to €10,000 for non-refundable costs incurred due to unexpected trip cancellation.
  • Cutting Short Your Trip: Benefit up to €6,000 for non-refundable costs and additional costs incurred due to unexpected early return.
  • Emergency Medical Expenses Overseas: Coverage of up to €10,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to €3,000 against loss, theft, or damage to personal belongings during travel (€300 per item; €600 limit for valuables & gadgets).
  • Travel Documents and Money: Reimbursement of expenses up to £700 for replacing lost or stolen travel documents and €250 for lost or stolen money.
  • Missed Departure: Coverage of €1,500 for additional transport and accommodation expenses incurred due to a missed departure from xyour home country.
  • Delayed Baggage: Benefit of €250 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of €25,000 for accidental death or permanent total disablement (€10,000 accidental death benefit for individuals under 18).
  • Personal Liability: Protection of up to €2,500,000 (total for all insured persons per trip) for damages if legally liable for causing injury, death, or property damage to a third party.

Additional Upgrades: Optional upgrades available for higher-risk sports and activities, as well as high-value luggage items.

Remember, the coverage limits mentioned above are per insured person per trip unless otherwise stated. A €100 excess may also apply per person per event. It's essential to review the Policy Wording and Policy Certificate for complete details on benefits, limitations, and exclusions.

What if I purchased a World Nomads policy before June 27, 2024?

For European customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.

 

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
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • 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?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*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 © Getty Images / © Marco Bottigelli
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Discover the exciting benefits of our enhanced travel insurance

    As featured in:

  • As featured in:

We're thrilled to announce a range of improved benefits, limits and services, along with the introduction of our new Annual Multi-Trip travel insurance product for Irish travellers, designed to enhance your travel experience.

These new features bring you more coverage options and greater feature benefits, ensuring that every adventure is safeguarded. What hasn't changed is our commitment to the values and ideals that have always made World Nomads the preferred choice for adventure-minded travellers. Let’s dive in and explore what’s new.

New features added – even more on the way:

SmartDelay™: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more. The service is available on all Annual Multi-Trip and Single Trip policies. The lounge pass will also be extended to up to 4 of your travelling companions, provided they’re listed on your policy and travelling on the same delayed flight. Check the Terms & Conditions to learn more about how the service works.

World Nomads Powered by Air Doctor: Air Doctor is a platform designed to connect travellers with trusted healthcare professionals around the world. Through this feature, World Nomads travel insurance customers will gain access to a network of carefully vetted doctors, ensuring they receive quality medical care wherever they may be. When seeking treatment for minor illnesses, travellers can rely on Air Doctor to provide them with access to medical professionals who speak their language and understand their needs, without having to navigate an unfamiliar healthcare system.

What type of cover do I get with World Nomads new Annual Multi-Trip or Single Trip insurance policies?

When you choose a travel insurance policy, understanding the extent of coverage is paramount. Let's explore the benefits and limits associated with both the new Annual Multi-Trip and updated Single Trip insurance plans offered by World Nomads (as of June 27, 2024).

Annual Multi-Trip & Single Trip insurance (Standard):

  • Cancelling or Cutting Short Your Trip: Benefit up to €3500 for non-refundable costs incurred due to unexpected trip cancellation or early return.
  • Emergency Medical Expenses Overseas: Coverage of up to €5,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to €1,500 against loss, theft, or damage to personal belongings during travel (€150 per item; €300 overall limit for valuables & gadgets).
  • Travel Documents: Reimbursement of expenses up to €350 for replacing lost or stolen travel documents.
  • Delayed Baggage: Benefit of €125 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of €10,000 for accidental death or permanent total disablement (€5,000 accidental death benefit for individuals under 18).
  • Personal Liability: Protection of up to €2,500,000 for damages if legally liable for causing injury, death, or property damage to a third party.
  • Additional Upgrades: Optional upgrades available for high-value luggage items.

Annual Multi-Trip & Single Trip insurance (Explorer):

  • Cancelling or Cutting Short Your Trip: Benefit up to €6,000 for non-refundable costs incurred due to unexpected trip cancellation or early return.
  • Emergency Medical Expenses Overseas: Coverage of up to €10,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to €3,000 against loss, theft, or damage to personal belongings during travel (€300 per item; €600 limit for valuables & gadgets).
  • Travel Documents and Money: Reimbursement of expenses up to €700 for replacing lost or stolen travel documents and €250 for lost or stolen money.
  • Missed Departure: Coverage of €1,500 for additional transport and accommodation expenses incurred due to a missed departure from Ireland.
  • Delayed Baggage: Benefit of €250 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of €25,000 for accidental death or permanent total disablement (€10,000 accidental death benefit for individuals under 18).
  • Personal Liability: Protection of up to €2,000,000 (total for all insured persons per trip) for damages if legally liable for causing injury, death, or property damage to a third party.

Additional Upgrades: Optional upgrades available for higher-risk sports and activities, as well as high-value luggage items.

Remember, the coverage limits mentioned above are per insured person per trip unless otherwise stated. A €100 excess may also apply per person per event. It's essential to review the Policy Wording and Policy Certificate for complete details on benefits, limitations, and exclusions.

What if I purchased a World Nomads policy before June 27, 2024?

For Irish customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.

 

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
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • 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?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*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 © Getty Images / © Marco Bottigelli
  1. World Nomads
  2. Category
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Discover the exciting benefits of our enhanced travel insurance

    As featured in:

  • As featured in:

We're thrilled to announce a range of improved benefits, limits and services, along with the introduction of our new Annual Multi-Trip travel insurance product for UK travellers, designed to enhance your travel experience.

These new features bring you more coverage options and greater feature benefits, ensuring that every adventure is safeguarded. What hasn't changed is our commitment to the values and ideals that have always made World Nomads the preferred choice for adventure-minded travellers. Let’s dive in and explore what’s new.

New features added – even more on the way:

SmartDelay™: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more. The service is available on all Annual Multi-Trip and Single Trip policies. The lounge pass will also be extended to up to 4 of your travelling companions, provided they’re listed on your policy and travelling on the same delayed flight. Check the Terms & Conditions to learn more about how the service works.

World Nomads Powered by Air Doctor: Air Doctor is a platform designed to connect travellers with trusted healthcare professionals around the world. Through this feature, World Nomads travel insurance customers will gain access to a network of carefully vetted doctors, ensuring they receive quality medical care wherever they may be. When seeking treatment for minor illnesses, travellers can rely on Air Doctor to provide them with access to medical professionals who speak their language and understand their needs, without having to go through a unfamiliar healthcare system.

What type of cover do I get with World Nomads new Annual Multi-Trip or Single Trip insurance policies?

When you choose a travel insurance policy, understanding the extent of coverage is paramount. Let's explore the benefits and limits associated with both the new Annual Multi-Trip and updated Single Trip insurance plans offered by World Nomads (as of June 27, 2024).

Annual Multi-Trip & Single Trip insurance (Standard):

  • Cancelling or Cutting Short Your Trip: Benefit up to £3,000 for non-refundable costs incurred due to unexpected trip cancellation or early return.
  • Emergency Medical Expenses Overseas: Coverage of up to £5,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to £1,500 against loss, theft, or damage to personal belongings during travel (£125 per item; £250 overall limit for valuables & gadgets).
  • Travel Documents: Reimbursement of expenses up to £300 for replacing lost or stolen travel documents.
  • Delayed Baggage: Benefit of £100 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of £10,000 for accidental death or permanent total disablement (£5,000 for individuals under 18).
  • Personal Liability: Protection of up to £2,000,000 for damages if legally liable for causing injury, death, or property damage to a third party.
  • Additional Upgrades: Optional upgrades available for high-value luggage items.

Annual Multi-Trip & Single Trip insurance (Explorer):

  • Cancelling or Cutting Short Your Trip: Benefit up to £5,000 for non-refundable costs incurred due to unexpected trip cancellation or early return.
  • Emergency Medical Expenses Overseas: Coverage of up to £10,000,000 for medical assistance, treatment, evacuation, and repatriation.
  • Personal Baggage: Protection of up to £3,000 against loss, theft, or damage to personal belongings during travel (£250 per item; £500 limit for valuables & gadgets).
  • Travel Documents and Money: Reimbursement of expenses up to £600 for replacing lost or stolen travel documents and £200 for lost or stolen money.
  • Missed Departure: Coverage of £1,500 for additional transport and accommodation expenses incurred due to a missed departure from the UK.
  • Delayed Baggage: Benefit of £200 for purchasing essential items in the event of delayed baggage for more than 24 hours.
  • Personal Accident: Coverage of £25,000 for accidental death or permanent total disablement (£10,000 accidental death benefit for individuals under 18).
  • Personal Liability: Protection of up to £2,000,000 (total for all insured persons per trip) for damages if legally liable for causing injury, death, or property damage to a third party.

Additional Upgrades: Optional upgrades available for higher-risk sports and activities, as well as high-value luggage items.

Remember, the coverage limits mentioned above are per insured person per trip unless otherwise stated. A £100 excess may also apply per person per event. It's essential to review the Policy Wording and Policy Certificate for complete details on benefits, limitations, and exclusions.

What if I purchased a World Nomads policy before June 27, 2024?

For UK customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.

 

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
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • 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?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*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 © IStock/Getty
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Travel Insurance for 150+ Adventure Sports and Activities

Travel insurance designed for adventures while traveling

    As featured in:

  • As featured in:

For information relating to policies purchased before 27 June 2024, please check HERE for the list of covered activities.

For policies purchased from 27 June 2024, please see below for information:

Adventure Sports and Activities

For many travellers, one of the most exciting parts of planning an overseas holiday is deciding what activities and sports to play during their trip. Overseas holidays present the perfect chance to indulge in all your favourite sports; or try a new adrenaline pumping activity that you don’t get to do back home in the your country of residence.

No matter whether you’re packing your cricket bat or that expensive pair of hiking boots, it might be worth considering travel insurance when preparing for your trip.

Adventure sports, travel insurance and what’s covered by our plans

Whether you’re picking up a new sport or you’re a seasoned outdoors adventure person, World Nomads offers cover (up to the policy limits) for the following:

Activities and sports cover: travel and adventure go hand-in-hand, that’s why our policies offer cover more than 150 sports, experiences, and activities. While some activities are considered less dangerous, other types of activities such as rock climbing require an insurance upgrade and an additional premium.

Emergency medical and evacuation coverage – if you suddenly become sick or injured at any time during your holiday, seek medical assistance straight away. Contact our 24/7 Emergency Medical Assistance team to advise them of your situation and sort out any further care requirements. They can contact the hospital where you’re staying to arrange payment for your accommodation, treatment, and medications. We may also cover the cost of your repatriation back to your country of residence if your injury or illness is serious enough. However, this must be determined by your treating doctor in consultation with our Emergency Medical Assistance team. Exclusions, and in some cases excesses, do apply. These medical transport and repatriation benefits are payable, subject to our approval, for up to a maximum of 12 months from the date the sudden illness first manifested or the injury happened.

Baggage and personal belongings coverage – if any of your luggage or personal items are lost, stolen or damaged, then you may be covered for the costs of replacing these. Make sure you have your receipts as you will need to submit these when you claim. Always report any stolen belongings to the local police and request a police report. If there were any witnesses to the incident, then ask them to accompany you to the police station to give their statement. Witness statements should be included with your other supporting documentation.

Extended stays – if you’re having the time of your life on holiday and don’t want to return home to your country of residence just yet, then you may extend your Single Trip travel insurance policy accordingly. Extensions can be approved for up to a maximum of 12 months from the starting date listed on your policy certificate. Applications for policy extensions must be made prior to 11:59pm GMT/BST on the date that your existing policy expires, however we suggest not waiting to the last day to submit your request.

Trip cancellation costs – few things in life are more disappointing than having to cancel a long-awaited holiday due to unexpected sickness or a last-minute injury. Should you or one of your travel companions become injured or sick after making your holiday arrangements, and need to cancel your trip, then we may cover your non-refundable travel expenses such as accommodation and flights. You will need to provide medical evidence to substantiate your claim.

a couple snorkelling
A couple snorkelling. Photo credit: Getty images / isitsharp

What activities are covered?

While many Brits live and breathe their football and cricket, we also know that our travellers have a vast range of sporting preferences. That’s why we offer cover for over 150 different sports, activities, and experiences. While the list is long, by no means do we cover every single sport or activity.

Always make sure that any planned sports and activities that you’ll be doing are clearly stated. If you’re injured playing a sport that is not listed in your Policy Wording, then any claim you submit, may not be approved.

World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan. These plans both offer cover for expenses in connection with hospitalisation, lost luggage, repatriation, and more. However, the Explorer Plan costs more than the Standard Plan as it offers higher policy limits and more benefits.

Always read through the Policy Wording to decide which plan is best suited for the activities and sports that you have planned. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.

What level of sports and activity cover do I get?

Our travel insurance plans categorise sports and leisure activities into four separate levels. Travellers are covered for all sports and activities listed under the level of cover they select, as well as those leisure pursuits assigned to any lower levels. The following is just a small selection of the sports we cover. Please check your Policy Wording for the full list.

Level 1

  • Camping (to a maximum of 3,000 metres)
  • Cricket
  • Dance (ballet, ballroom, capoeira, salsa, and interpretive dance)
  • Roller skating

Level 2

  • Rock climbing
  • Rugby (League/Union)
  • Running (marathons)
  • Water skiing (barefoot)

Level 3

  • Mountain biking (downhill)
  • Skiing/snowboarding (includes cross country, Nordic on marked trails)

Level 4

  • Skiing/snowboarding (terrain park in resort; outside resort boundaries; back country; helicopter/snow; alpine touring)
  • Snow rafting
  • Mountaineering (to a maximum of 6,000 metres)
  • Hiking (to a maximum of 6,000 metres)
  • Triathlon (full distance)

Travel insurance tip 1: several of our covered activities or sports are listed on multiple levels to reflect the varying degrees of difficulty or intensity. Always check before you go that you have the right level of cover for your desired activities, as you cannot upgrade to a higher level or add any other sports, after your trip has begun.

What’s not covered

Here are just a few of our travel insurance exclusions. For the entire list, please check your Policy Wording.

  • If your behaviour was reckless, or your actions were in violation of the laws of that country.
  • Being intoxicated by alcohol or prohibited substances.
  • Unattended belongings and luggage that is stolen, lost, or damaged.
  • Pre-existing medical conditions unless otherwise expressly stated in your policy.
  • Dental treatment that is not undertaken to alleviate any constant pain or discomfort. An example could be an implant procedure to replace a tooth that had been extracted in a surgery that you had years ago.

Questions to ask when choosing a plan

Before selecting a plan, it’s best to know what types of sports and activities you and your travel buddies will be enjoying when you’re overseas. These are just some of the questions for you to consider when picking a travel insurance plan:

  • What sports and activities will I be engaging in on my holiday?
  • What sports and activities do my friends have planned? Make sure you ask them about their holiday plans to be certain that they don’t have any surprise activities up their sleeves. A spur of the moment decision to play a sport that you’re not covered for might be fun, but would you really want to take such a risk?
  • What types of equipment, footwear, or protective clothing will you need for your preferred activities?
  • Do you need a licensed tour guide or instructor for any of your leisure activities? If so, have you checked that the person is in fact certified?
  • What are the depths of my dives, altitudes of my hikes, or distances of my competitions? These types of details all need to be established before choosing your plan.

Travel insurance tip 2: Where urgent medical assistance is required, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs. For more information on what to do please refer to the section titled, ‘Health conditions & your policy’ in your Policy Wording.

A couple backpacking in the mountains
A couple backpacking in the mountains. Photo credit: Getty images / Jordan Siemens

Overseas activity tips to help you have a safer experience

Are you fit enough for that?

Overseas holidays offer a selection of leisure activities, many of which you may not have ever tried. Before you go trying new experiences, think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.

The right gear

When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a scooter. Before embarking on that mountain climbing expedition, ask yourself if you have the right equipment required for such an undertaking.

Your activity operator should be certified/accredited

Make sure operators are certified and/or accredited by the appropriate body. For example, diving instructors should be registered with the Professional Association of Diving Instructors (PADI). 

Keep a watch on your sporting equipment

Nothing beats the feeling of elation that comes from being victorious in a game of sport. Yet before you rush off to hit the bar with your teammates, it’s a good idea to lock up any sporting equipment first. All too often valuable sporting gear and bags are left unattended or even worse, forgotten about.

Opportunistic thieves can take advantage of these situations. No matter how safe you think your sporting gear is, never leave it unattended. If you can’t take your equipment with you or back to your hotel, then place it in a locker or keep it locked in a room.

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.

Get a quote today and find out if our policies are right for you.

World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it. You can read more about coverage for some specific activities to see the activities covered by the plans available to you.

We offer cover for:

  • 24/7 Emergency Assistance
  • Overseas medical assistance
  • Cancellation
  • Baggage

Important information

  • List of Adventure, Sport and Activities covered

    Adventure, Sport and Activities

    List of Activities covered; including Level 2, 3 and 4 Upgrades:

    UPGRADE FOR LEVELS 2, 3, 4 ACTIVITIES

    Adventure, sport, work, study and volunteer activities

    Level

    Special Conditions that apply

    Special Exclusions that apply

    Abseiling (rappelling, rapping, rap jumping, deepelling, abbing)

    1

    (a)

    (iv)

    Aerial safari

    1

    (a)

    (iv)

    Aerobics

    1

     

     

    Athletics

    1

     

     

    Badminton

    1

     

     

    Ballet

    1

     

     

    Banana boat rides

    1

    (a)

     

    Baseball

    1

     

     

    Basketball

    1

     

     

    Biking (see Cycling, Mountain biking)

     

     

    -

    Black water rafting (Cave tubing) (grades 1-3)

    1

    (a)

    (iv)

    Boating (inland and coastal waters); see also Speed boating and Sailing

    1

    (a) or (b)

    Excludes: white water; (v)

    Boating (outside coastal waters); see also Speed boating, and Sailing

    2

    (a) or (b) and (c)

    (iv); (v)

    Bowling / Bowls / Pétanque / Boules

    1

     

     

    Boxing (gym or outdoor training)

    2

     

    Excludes competition, bouts

    Bungee/Bungy jumping

    2

    (a)

     

    Camel riding (day tour)

    1

    (a)

    (v)

    Camel trekking (overnight/main mode of transport)

    2

    (a)

    (v)

    Camogie

    2

    A helmet must be worn.

    (iv); (v)

    Camping up to 3,000 metres (see also Hiking, and Mountaineering)

    1

     

     

    Camping up to 4,500 metres (see also Hiking, and Mountaineering)

    2

     

     

    Camping up to 6,000 metres (see also Hiking, and Mountaineering)

    4

     

     

    Caving (sightseeing/tourist attraction/recreational only)

    1

    (a)

    Excludes: where ropes, picks or other specialist climbing equipment is required

    Cheerleading

    1

     

     

    Clay pigeon shooting

    1

    (a) or (b)

    (v)

    Cricket

    1

     

     

    Cruising (cruise ship)

    1

     

     

    Curling

    1

     

     

    Cycling/Biking (incidental to the trip)

    1

     

    (v)

    Cycling (independent cycle touring)

    3

     

    (v)

    Cycling (on an organised tour)

    2

    (a)

    (v)

    Dance (ballet, ballroom, capoeira, salsa, interpretive dance)

    1

     

     

    Darts

    1

     

     

    Dogsledding / Sleigh rides (horse drawn): on recognised trails

    1

    (a)

    Excludes: remote areas; racing; time trials; endurance events

    Dragon boating (inland or coastal waters only)

    1

     

     

    Elephant riding

    1

    (a)

     

    Elephant riding (overnight/main mode of transport)

    2

    (a)

    (v)

    Fishing/Angling (ice)

    1

    (a) or (b)

     

    Fishing (inland or coastal waters): sports / leisure only

    1

     

     

    Fishing (outside coastal waters, deep sea fishing): sports / leisure only

    2

    (a) or (b); and (c)

     

    Fitness training

    1

     

     

    Flag football / rugby / soccer / gridiron: non-contact

    1

     

     

    Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter)

    1

    (a)

     

    Football (Gaelic football)

    2

     

    (iv)

    Football (Soccer) including 5 a side

    1

     

     

    Frisbee / Ultimate Frisbee

    1

     

     

    Glacier walking / Ice walking

    2

    (a)

     

    Go karting

    1

    (a)

    (v)

    Golf

    1

     

     

    Gym training (aerobics, spinning, Zumba, body pump, weight training, cross training, cross fit) (See also Boxing, and Martial arts)

    1

     

    Excludes power lifting

    Gymnastics

    1

     

     

    Handball / Tchoukball

    1

     

     

    Hiking / trekking / rambling / bushwalking / fell walking: up to 3,000 metres, on recognised routes

    1

     

     

    Hiking / trekking / rambling / bushwalking / fell walking: up to 4,500 metres, on recognised routes

    2

     

     

    Hiking / trekking / rambling / bushwalking / fell walking: up to 6,000 metres, on recognised routes

    4

     

     

    Hockey

    1

     

     

    Horse riding (leisure/social /non-competitive riding)

    1

    (a); a helmet must be worn

    Excludes: hunting; (v)

    Hot air ballooning (ballooning) as passenger only

    1

    (a)

    (v)

    Hurling

    2

    A helmet must be worn

    (iv); (v)

    Hydro foiling / Kite foiling

    1

    (a) or (b)

    Excludes: jumping; (v)

    Ice skating (indoor); excludes ice hockey

    1

     

     

    Ice skating (outdoor) on a commercially managed rink; excludes ice hockey

    1

    (a)

     

    Jet boating: as a passenger, inland / coastal waters only

    1

    (a)

     

    Jet skiing: inland / coastal waters, grades 1-2 only

    2

    (a) or (b)

    (v)

    Kayaking / Canoeing / Sea kayaking / Sea canoeing: inland/coastal waters, grades 1-3 only

    1

     

     

    Kite boarding / Kite surfing (on land or water); land surfing

    2

     

    (v)

    Kite buggy

    2

     

    (v)

    Kite flying

    1

     

     

    Lacrosse

    1

     

     

    LARP (Live action role play)

    1

     

    Excludes: battle re-enactments; (v)

    Martial arts (Judo & Karate only)

    2

    (a)

    (iv) (v)

    Martial arts training (non-contact)

    1

     

     

    Moped riding/Scooter biking on road under 125cc

    2

    (b); a helmet must be worn

    (v)

    Motor racing experience (passenger only)

    1

    (a)

     

    Motorbiking on road under 125cc, including pillion

    2

    (b); a helmet must be worn

    (v)

    Mountain biking - downhill (using downhill trails and/or mechanical lifts)

    3

     

    (v)

    Mountain biking - general (off road/cross country)

    1

     

    (v)

    Mountaineering to 6,000 metres (with ropes, picks or specialist climbing equipment)

    4

    Do not venture into any area without taking local advice and appropriate rescue equipment.

    (iii) (iv)

    Netball / Korfball

    1

     

     

    Orienteering

    1

     

     

    Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 3 miles

    1

     

     

    Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 8 miles

    3

     

     

    Outrigger canoeing (inland or coastal waters only)

    2

     

     

    Outward Bound, up to 3,000 metres

    1

    (a)

     

    Paint balling/Airsoft

    1

    (a) or (b)

    (v)

    Parasailing: over water only

    1

    (a) or (b)

    (iv) (v)

    Rambling. See Hiking if above 3,000 metres

    1

     

     

    Rifle range/sports shooting

    1

    (a) or (b)

    (v)

    River boarding / Hydro speeding (grades 1-3); see also Canoeing.

    1

    (a)

     

    Rock climbing (indoor)

    1

     

    (v)

    Rock climbing: outdoor / traditional / bouldering / sport climbing / bolted / aid climbing / free climbing; see also Mountaineering

    2

     

    (iv)

    Rollerblading / Roller Skating / In-line skating

    1

     

     

    Rowing / Sculling (inland/coastal waters)

    1

     

    Excludes: white water rowing; (v)

    Rugby (League/Union)

    2

     

    (iv) (v)

    Running, up to marathon distance; racing exclusion doesn't apply

    2

     

     

    Running/jogging: half marathon distance or less; racing exclusion doesn't apply

    1

     

     

    Safari tours

    1

    (a)

    Excludes: firearms; handling and/or work with dangerous animals; e.g. big cats, crocodiles, alligators, snakes, elephants etc.

    Sail boarding (see wind surfing)

     

     

     

    Sailing / Yachting (inland/coastal waters)

    1

    (a) or (b)

    (v)

    Sailing / Yachting (outside coastal waters)

    2

    (a) or (b); and (c)

    (v)

    Sandboarding / Sand skiing

    2

     

    (v)

    Scuba diving, including Shark cage diving; to 30 metres

    1

    (e)

    Excludes: free diving; cliff diving; (ii)

    Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor)

    1

    (a)

    Excludes: free diving; cliff diving; (ii)

    Segway tours

    1

    (a); a helmet must be worn, safety gear

    (iv) (v)

    Skateboarding (ramp, half pipe, skate park, street)

    1

    a helmet must be worn, safety gear

     

    Skiing (cross country/Nordic skiing on marked trails)

    3

    (d)

    (i)

    Skiing (snowblading)

    3

    (d)

    (i)

    Skiing / Snowboarding

    3

    (d)

    (i)

    Skiing / Snowboarding: (backcountry/outside of resort boundary/alpine ski touring)

    4

    (d)

    (i) (iv)

    Skiing / Snowboarding: (by helicopter/snow cat)

    4

    (d)

    (i) (iv)

    Skiing / Snowboarding: (dry slope)

    3

    (d)

    (i)

    Skiing / Snowboarding: (terrain park within resort)

    4

    (d)

    (i) (iv)

    Skydiving/Parachuting (tandem jumps only)

    4

    (a) or (b)

    (iv) (v)

    Sledding / Tobogganing / Snow sleds / Snow sleighs (on snow)

    3

     

    (iv) (v)

    Snooker

    1

     

     

    Snorkelling

    1

     

     

    Snow rafting / Tubing on snow

    4

    (a)

    (iv) (v)

    Softball / Rounders

    1

     

     

    Spearfishing

    2

     

    (v)

    Speed boating, passenger only: inland/coastal waters only

    1

    (a)

    Squash / Racquetball

    1

     

     

    Stand up paddle surfing/paddle boarding

    1

     

     

    Surfing

    2

     

     

    Swimming (pool; enclosed, inland or coastal waters only)

    1

     

     

    Swimming with whales/whale sharks (inside or outside coastal waters)

    1

    (a)

     

    Table tennis

    1

     

     

    Tennis / Pickleball

    1

     

     

    Theme parks / Fairgrounds

    1

    (a)

     

    Trampolining

    1

     

     

    Triathlon up to full distance / Ironman; racing exclusion doesn't apply

    4

     

     

    Triathlon up to middle distance; racing exclusion doesn't apply

    2

     

     

    Triathlon up to sprint distance; racing exclusion doesn't apply

    1

     

     

    Tubing on rivers (grades 1-2 only)

    1

    (a)

    (iv)

    Tuk Tuk (as a passenger)

    1

    (a)

     

    Via Ferrata

    2

     

     

    Volleyball

    1

     

     

    Water skiing / Wake skating / Wakeboarding

    1

    (a) or (b)

    Excludes: jumping; (v)

    Walking (see Hiking)

     

     

     

    War games (online gaming)

    1

     

     

    War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)

     

     

     

    Water polo

    1

     

     

    Water skiing (barefoot)

    2

    (a) or (b)

    Excludes: jumping; (v)

    Weight training (see also Gym training)

    1

     

    Excludes powerlifting.

    White water rafting (grades 1-3)

    1

    (a)

     

    Windsurfing / Sailboarding (inland or coastal waters only)

    1

     

    (v)

    Working: professional, clerical or administrative work; working as a classroom teacher, classroom assistant; au pair, nanny or child minder.

    1

     

    (v)

    Working: retail, bar or hospitality work involving light duties only.

    1

     

    (v)

    Working: general work and manual work not involving the use of mechanical or industrial machinery, and not working at a height exceeding 2 metres above ground level.

    2

     

    (v)

    Yoga

    1

     

     

    Zip line

    1

    (a)

     

    Zorbing

    2

    (a)

    (iv) (v)
  • Special Conditions

    Special Conditions:

    1. You must be with a professional, qualified and licensed guide, instructor or operator.
    2. You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate licence or certification, relevant to the vehicle in use, in your country of residence and you must hold any other licence for the vehicle and any other licence required by law in the country of operation.
    3. You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
    4. This policy covers conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; and you should not venture into back country areas without taking local advice and appropriate rescue equipment.
    5. This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.

  • Special Exclusions

    There is no cover for:

    1. Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski/snowboard racing or national squad training, the use of skeletons.
    2. Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres under any circumstances.
    3. Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions, or expeditions to the Arctic or Antarctica or of a dangerous nature.
    4. Personal Accident (Section 10 cover excluded)
    5. Personal Liability (Section 10 cover excluded)
  • Definitions

    Work; working: any work, including volunteer work, work placements, incidental work and work experience, whether paid or unpaid, which can be classified as either:

    1. Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or
    2. Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities.

    Level 1 activities in the List of Activities are automatically covered. Your policy can be upgraded to include cover for Level 2, 3 and 4 adventure, sport, work, study and volunteer activities when you select the activity(ies) and pay the additional premium. All activities are subject to the General Conditions:

  • List of Activities NOT Covered under any level
    • Acrobatics
    • Activities at a professional or semi-professional level
    • American football (Gridiron)
    • Base jumping; Wingsuit
    • Boating on white water
    • Bobsled/Bobsleigh
    • Boxing competitions or bouts
    • Canyoning
    • Caving/spelunking: other than sightseeing or tourist attraction
    • Cliff diving
    • Climbing: exploratory expeditions, new routes, remote or inaccessible regions
    • Climbing: high altitude, over 6,000 metres
    • Competing; competing at international events as national representative
    • Crewing a vessel over 60 miles from a safe haven
    • Cycling/biking: intercontinental touring, with a tour operator or independent
    • Cycle jumping / BMX / racing / time trial
    • Diving/scuba diving: unaccompanied dive / in overhead environments / for gain or reward
    • Dogsledding / Sleigh rides (horse drawn): remote areas / racing / time trials / endurance events / on unrecognised trails
    • Expeditions to the Arctic / to Antarctica / of a dangerous nature
    • Extreme pursuits / Hazardous activities (other than listed)
    • Fishing/angling: commercially / rock fishing
    • Flying: gliding / ultralight / private light aircraft / stunt flying
    • Free Mountaineering
    • Free-style skiing / Free-style snowboarding
    • Hang gliding
    • High diving
    • Hiking / trekking / rambling / bushwalking / fell walking / fell running: where ropes, picks or other specialist climbing equipment is required.
    • Horse riding (equestrian, dressage, show jumping, eventing)
    • Horse riding: racing / jumping / competing
    • Hunting
    • Ice climbing
    • Ice hockey
    • Kite wing (land, water, snow)
    • Martial arts competitions or bouts
    • Moped riding / Scooter biking / Motorbiking: touring, or main mode of transport
    • Motorbiking over 125cc
    • Motorbiking / Trail biking: off-road
    • Motor sports
    • Mountaineering expeditions
    • Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 13 miles
    • Paragliding / parapenting / parascending
    • Potholing
    • Quad biking / ATVs
    • Rock climbing: soloing
    • Rollerblading, roller skating and in-line skating stunting / roller derby / roller hockey
    • Running: over marathon distance
    • Scuba diving / cage diving: deeper than 30 metres
    • Skeleton
    • Skiing / Snowboarding: (jumping / stunting / ski-flying / acrobatics)
    • Skiing / Snowboarding: (racing / competition / national squad training)
    • Snowmobiling / Snow kiting / Snow biking
    • Speed boating outside coastal waters
    • Speed trials
    • Work: offshore / underground, including as a guide
    • Work: with mechanical / industrial machinery
    • Work: with dangerous animals; e.g. big cats, crocodiles, alligators, sharks, snakes, elephants, etc.
    • Work as instructor or guide: diving / skiing/ snowboarding / underground, in caves / where ropes or other specialist climbing equipment is required.
    • Work: dangerous or extreme pursuits
    • Work: at height from 2 metres above ground level

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.
Claim paid: USD $82.33
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 in an accident?
  • Sudden death of an immediate relative?

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?

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
  • Injured abroad?
  • Need a hospital urgently?
  • Medical evacuation 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

FAQ

Here are our most frequently asked questions about adventure activities and sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. 

Photo © Getty Images / Mike Powell
  1. World Nomads
  2. Category
  3. Lifecycle
  4. Planning

Annual Multi-Trip vs Single Trip Travel Insurance

Delve into the details to help you make an informed decision.

    As featured in:

  • As featured in:

Whether you’re a frequent flyer or someone planning one big far-flung trip, the choice between an Annual Multi-Trip and a Single Trip policy can have a significant impact on your cover, as well as your bottom line. Let’s delve into the details to help you make an informed decision.

What is Annual Multi-Trip?

Annual Multi-Trip travel insurance is designed for Irish globetrotters who embark on multiple journeys within a year. With this type of policy, you’re covered for an unlimited number of trips within a specified region during the policy period. It's a cost-effective and convenient option for those who travel frequently.

What are the benefits and considerations of Annual Multi-Trip?

Benefits:

  • Cost-effective: Instead of purchasing a separate policy for each trip, you pay once for year-round coverage.
  • Convenience: We get it. Travel insurance isn’t the most exciting part in planning a trip. Say goodbye to the hassle of arranging insurance every time you travel with Annual Multi-Trip.
  • Kids go free: World Nomads Annual Multi-Trip policies offer free coverage for children under the age of 18 travelling with an adult, making year-round family travel more affordable.
  • Domestic travel: Our Annual Multi-Trip policy offers cover for both international and (subject to some restrictions – check your policy wording for more information).

Considerations:

  • Trip duration limits: Each trip is capped at a certain number of days (31 days with the Standard plan, 45 days with the Explorer plan).
  • Initial cost: While cost-effective in the long run, the upfront payment may be higher than a Single Trip policy.
  • Policy renewal and auto-renewal: Annual Multi-Trip policies do not auto-renew. You'll need to purchase a new policy each year, but don't worry we will write to you 28 days before expiry so you can get another quote. On the other hand, Single Trip policies expire after each journey, requiring a new purchase for any subsequent trips.

What is Single Trip travel insurance?

As the name suggests, Single Trip insurance provides coverage for a single journey. It's ideal for travellers embarking on one-off vacations or business trips outside their home country.

What are the benefits and considerations of Single Trip?

Benefits:

  • Flexibility: Tailored coverage for a specific trip, allowing you to customize your policy based on the destination, duration and planned activities.
  • Less restrictions on trip duration: Enjoy the freedom to choose the length of your trip without worrying about exceeding coverage limits. Single trip policies have a 365-day limit, but if you wish to continue your trip you can simply purchase a new policy.
  • Simplicity: (depending on your travel plans of course). You only need to focus on the details of one trip at a time.
  • Less commitment: If you’re an occasional traveller rather than a frequent flyer a Single Trip policy offers cover when you need it, without the commitment or expense of an Annual Multi-Trip policy.

Considerations:

  • Potentially higher costs: While cheaper for a Single Trip, multiple Single Trip policies can add up to more than an Annual Multi-Trip policy over time.
  • Need for repeated purchases: You'll need to buy a new policy for each trip.
  • No cover for domestic travel: Single Trip policies do not have cover when travelling within the UK.

Other factors to consider when choosing a travel insurance policy: 

Cover type: Annual Multi-Trip and Single Trip policies share some similarities, including benefits like trip cancellation, emergency medical expenses, and personal baggage cover. However, the limits and exclusions may vary between Standard and Explorer plans, so it’s essential to review the policy details carefully.

Trip duration: With Annual Multi-Trip insurance, each trip is typically limited to a specific number of days. Ensure the maximum trip duration aligns with your travel plans to avoid gaps in coverage. Single Trip policies offer more flexibility in trip duration. 

Travel companions: With an Annual Multi-Trip policy your children (aged under 18), if named on the policy, will also be covered (for free) when travelling with another adult for the full duration (365 days). A Single Trip policy will also include free cover for your children. However, cover ends when the Single Trip policy expires. 

Pre-existing medical conditions: Pre-existing medical conditions are not covered under either Annual Multi-Trip or Single Trip insurance policies. A pre-existing medical condition is defined as any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last). 

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions. 

Get a quote today for either an Annual Multi-Trip or Single Trip insurance policy.

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
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • 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?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*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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Renewing a passport may seem complicated, but it’s not something that should be put off if you’re a regular traveler. These tips are mostly for US citizens but are useful no matter what country you’re from.
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