Our comprehensive travel insurance
Not everything is covered, so read on....
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As featured in:
For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
Looking for comprehensive travel insurance to cover your (or your child’s) adventure overseas? World Nomads has designed our travel insurance cover with the adventurous in mind and covers many activities up-front.
Are you looking for comprehensive travel insurance?
While we won't say our travel insurance is comprehensive (because it doesn't cover everything), our travellers get up to all sorts of different things, so we offer two levels of cover - Standard and Explorer - with options to include extra activities to cover both the more, and less, adventurous.
As you'd expect, every policy is different and has multiple benefits. However, all of them include:
- Medical expenses abroad
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide emergency assistance
You also have access to World Nomads’ community of like-minded travellers, language guides, safety information, travel guides and more.
There are limits, conditions and exclusions which apply, so be sure to read the policy wording before you buy a policy.
What's not covered?
If you put yourself in danger then we won’t cover you. This includes going to places the Foreign Ministry of your Country of Residence tells you not to, doing activities that you’re not qualified for or are too dangerous. We have a list of covered activities in our policies and if you’re not sure, give us a call and we’ll let you know if we’ll cover it or not.
Other things we won’t cover include:
- Anything illegal (you didn’t really think we’d cover that did you?)
- Drugs or alcohol abuse
- Pre-existing medical conditions (however if you're pregnant, read the policy wording to understand cover that's available, including for 'complications of pregnancy')
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered. If you are unsure about your level of travel cover, please contact us for help.
Sore penis!
I noticed an abnormal infiammation of my penis. Initially I had also a little bit pain and I got scared. In the evening the pain and the itch were gone but I still was worried because the dermatitis started to get worse.
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 deceased?
- Close relative dropped dead?
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 to get to hospital urgently?
- Medivac home?
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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamComprehensive travel insurance
Not everything is covered, so read on....
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
Looking for comprehensive travel insurance to cover your (or your child’s) adventure overseas? World Nomads has designed our travel insurance coverage with the adventurous in mind, and covers more activities upfront than most.
What is comprehensive travel insurance?
While we won't say our travel insurance is comprehensive (because it doesn't cover everything), our travellers get up to all sorts of different things, so we offer two levels of coverage, Standard and Explorer. Both cover a wide range of adventurous activities, but the Explorer plan covers some activities that the Standard plan does not.
As you'd expect, the two policies offer slightly different benefits. However, both include:
- Overseas Medical
- Cancellation
- Travel delay
- Luggage/baggage cover
- 24/7 worldwide assistance
You also have access to world Nomads’ community of like-minded travellers, language guides, safety information, travel guides, and more.
There are exclusions and limits which apply, so be sure to read the Policy Document before you buy a policy.
What's not covered by travel insurance?
If you put yourself in danger, we won’t cover you. This includes doing activities that you’re not qualified for or are too dangerous, or acting irresponsibly. We have a list of covered activities in our policies and if you’re not sure, give us a call and we’ll let you know if we’ll cover it or not.
Other things we won’t cover include:
- Anything illegal (you didn’t really think we’d cover that did you?)
- If you've taken drugs or alcohol
- Certain existing medical conditions
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.
Giardia in Laos
I contracted giardia whilst in Laos. This was diagnosed at the Australian Embassy Clinic in Vientiane where the doctor prescribed me antibiotics - tinidazole, 500mg.
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
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- 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)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamDiscount travel insurance
It'll be a hard lesson if you get sick without it.
- As featured in:
As featured in:
For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
Looking for travel insurance that won’t break the bank?
World Nomads knows our travellers understand why a good travel insurance policy is important… but would really rather spend their money on a hotel upgrade or first class train tickets.
That’s why we’ve got a little secret we’re going to let you in on… from time to time World Nomads offers travellers a promotional 5% discount when they purchase a World Nomads policy.
How do I get a discount on my travel insurance?
If you’re a first time traveller contact our customer service teams who may be able to advise you if there is a Save Promo code available to get you a discount on your policy.
As a returning World Nomads traveller, if you log into your World Nomads membership you’ll get a discount as a thank you for your continuing loyalty.
Due to Financial laws in North America this offer is not available to residents of Canada and the United States.
What’s covered by travel insurance
World Nomads covers on all our policies those things our travellers tell us are most important… and which they most frequently access. This includes:
- Medical
- Luggage/baggage
- Cancellation
- 24/7 Worldwide emergency assistance
In addition we cover more than 150 activities and events depending on your policy. Our travellers also have access to an online community forum, travel guides, safety tips and destination videos.
What’s not covered
There’s a number of other exclusions so make sure you read your policy and know what you aren’t covered for. These include:
- Anything illegal (you didn’t really think we’d cover that did you?)
- If you've taken drugs or alcohol
- Where you've been acting in a reckless manner
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases)
- Ongoing treatment at home
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Testimonial Title
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
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)
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 teamSingle Trip Travel Insurance
For when you’re leaving on a jet plane and don’t know when you’ll be back.
- As featured in:
As featured in:
- What’s covered with one way travel insurance
- What you need to know if you plan to travel on a one way ticket
- What’s not covered when you travel one way
- Handy travel tips for one way trips
- Get a quote 24/7
- Buy while abroad
If you’re jetting off on an adventure with no end date in sight, you can still buy World Nomads travel insurance. Whether you’re thinking of being overseas for a few days, weeks, or a few months, one way travel insurance can help safeguard your adventure — even without a return ticket.
What’s covered with one way travel insurance
When you buy travel insurance with World Nomads, you have cover available for those common events that have a way of dampening an otherwise-good trip, such as:
- Trip delay, interruption, and flight delays
- Trip cancelation
- Overseas emergency medical insurance
- Hospitalization if you or a member of your traveling party suffer injury or illness
- Lost, stolen or damaged baggage and valuables cover
- Snow sports optional cover
- Adventure activities and sports cover (we offer cover for more than 150 activities)
- Medical evacuation and repatriation when necessary
And of course, single trip cover also provides access to the 24/7 Emergency Assistance team who can help you find a doctor or transport you to a medical facility, or if you or a member of your travel party become sick or injured.
It’s important to note that policy cover may vary depending on your Country of Residence and the travel insurance plan you choose — whether you’re planning a one way trip or return trip. So, it’s a good idea to do some research on where you’re going, so you can pick a policy that’s best for you.
What you need to know if you plan to travel on a one way ticket
One way travel insurance offers similar coverage to a policy taken out for a return trip. The main difference with single trip cover comes down to your flight home.
If you find yourself needing to return home for a covered reason, the cost you would have normally paid for an Economy Class airfare (at the carrier’s regular rate or actual cost incurred) will be deducted from your total claim.
What’s not covered when you travel one way
Overseas travel insurance isn’t designed to cover everything and there are some things we simply don’t cover. Some of the things not covered when you travel one way include:
- Your flight home
- Cancelation expenses if you simply change your mind and decide not to travel
- If you become injured while under the influence of drugs or alcohol
- Treatment for a condition, illness, or injury that is considered a non-emergency and can wait until your return home to your County of Residence
- Pre-existing conditions
It’s always a good idea to read the Policy Wording carefully and check the terms, conditions, limitations and exclusions when you buy travel insurance (or anything else for that matter!) so you have a good understanding of what is and isn’t covered for one way travel insurance.
Handy travel tips for one way trips
Select the plan that’s right for your one way trip
We offer two levels of cover, Standard and Explorer. Each plan comes with different benefit limits and sub limits. Take the time to consider which is the best option for your travel plans, so you clearly understand what’s included in the level of cover you select for your one way trip.
Working holidays
Many travelers who buy one way travel insurance are planning to move to another country for a working holiday for the foreseeable future. Our single trip cover is designed to cover you for up to 12 months, whether that means traveling somewhere like Australia for a year-long working holiday or an extended break in Europe.
And if you’re nearing the end-date of your trip and decide to extend your stay, you should consider extending your travel insurance too.
Get a quote 24/7
Get an instant quote 24-hours a day, 7-days a week.
Buy while abroad
Already left? With World Nomads, you can buy travel insurance even after you’ve left home. Get a quick quote and easily buy while abroad. If you buy a policy while already overseas there is a 72-hour waiting period from the date that you receive your Certificate of Insurance, before your cover comes into effect. This means that you may not be covered for certain events or losses that happen during this waiting period.
Be sure to check your Policy Wording for the complete list of what’s covered and what isn’t covered depending on your Country of Residence.
Need to know more?
The World Nomads team is here to help. Get in touch if you’re unsure what your next step should be and we can help get you there, whether that means deciding which policy is best for your trip, how to buy while abroad, or how to make a claim.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your Policy Wording for a full description of coverage.
Phone theft.
I was sitting on the grass in the Parc de la Ciutadella in Barcelona talking with some friends when a man crouched down next to me and tried to offer me narcotics. He had a jacket with him which he had set on the ground next to him and I later realised it covered my bag which was sitting next to me. I repeatedly refused to buy anything and told him to leave but he wouldn't go away. He finally left. I looked into my bag about 10 min later and realised he had stolen the phone out of my bag.
South African Nomad in Spain.
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 deceased?
- Close relative dropped dead?
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?
- Medivac home?
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)
We cover 200+ activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamLong term travel insurance
For those who aren't going home anytime soon.
- As featured in:
As featured in:
For information relating to policies purchased prior to June 27 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
What does long term travel insurance cover?
We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities, sports and experiences including casual bar work, skiing, zorbing and much more.
Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:
- Emergency medical expenses abroad
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide emergency medical assistance
What is the longest duration travel insurance can cover?
The maximum duration available for any policy, including extensions, is 12 months (365 days) from the start date shown on your Certificate of Insurance.
How do I buy more travel insurance cover?
You can buy more cover, even if you’re already on the road. Generally cover can be purchased for up to a year, but if you want to extend your trip beyond one year, you just need to jump online to get a quote.
You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.
Please note: if you plan to extend your policy you should do so several days before it expires, due to time differences and possible administrative delays. If your policy is extended, we will issue you with an updated Certificate of Insurance.
What’s not covered on long term travel insurance?
There’s a number of other exclusions so make sure you read your policy and know what you aren’t covered for. Exclusions include but aren't limited to:
- Anything illegal (you didn’t really think we’d cover that did you?)
- If you're under the influence of drugs or alcohol
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Ongoing medical treatment at home
It’s important to remember that World Nomads offers travel insurance… not private health/medical insurance. That means our policies won’t cover you for pre-existing medical conditions or ongoing medical care.
This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that may apply. Always read your policy wording carefully before you buy and make sure it’s right for you. If you have more questions get in touch.
Pregnancy Complications
My wife, pregnant 8 weeks and 3 days, had abdominal pain went to the doctor for a check-up. The doctor diagnosed that the pregnancy is at risk and that therefore she can't travel and needed complete rest.
Italian Nomad.
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 deceased?
- Close relative dropped dead?
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 to get to hospital urgently?
- Medivac home?
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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamDoes Travel Insurance Cover Pre-existing Conditions?
Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
If you're worried about how your existing medical condition can affect your trip, make sure you read the policy when you get a quote so there are no surprises.
Existing medical conditions and World Nomads travel insurance
The World Nomads policies for New Zealand residents cover for more than 40 existing medical conditions which are specifically mentioned in the policy, where you meet all criteria for that condition. Terms and conditions and benefit limits apply. For travellers whose conditions aren't listed, or where all criteria are not met, there is no cover.
The good news for New Zealand residents is not only are you covered in some circumstances if you have existing medical conditions that meets the criteria for automatic cover, but you can also be covered in relation to existing medical conditions of a member of your travelling party and your close relatives who are not listed on your policy. This includes cover for:
- Pre-trip cancellation expenses
- Doctor’s visits overseas
- Hospitalisation overseas
- Medication overseas
- Costs to get you home by air if medically necessary.
There is a policy limit for all claims combined that relate to the existing medical condition of a close relative or member of your travelling party. All policies exclude cover for existing medical conditions, so make sure you read through your policy when you go to get a quote.
What's not covered by World Nomads travel insurance?
Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:
- Existing medical conditions unless specifically mentioned in the policy and where all criteria is met.
- Any medical expenses in New Zealand, or once you return home.
- Any existing medical condition you had in previous periods of insurance, unless it meetes the criteria for automatic cover.
- The sickness you caught overseas, right before you remembered to buy a policy.
This isn't a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information check out our article on existing medical conditions.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Document to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
If your existing medical condition isn't covered and you're not worried about covering it, you can still purchase a policy online through World Nomads.
Just be aware there's no cover for any claim made as a result of this condition.
Mosquitos.
Upon arrival to Spain on the 4th of April I had been displaying fever, headache, exhaustion and dizziness. This lasted for a week, so I went to the doctor at the hospital in Malaga, Andalucia where they gave me a consultation and blood test showing results that indicated a mosquito-bourne virus which makes sense as I arrived in Europe from Mexico a week before the symptoms started.
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
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- 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)
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 teamLong Term Holiday Insurance
For those who aren't going home anytime soon
- As featured in:
As featured in:
What does long term travel insurance cover?
We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities and events including casual bar work, skiing, zorbing and much more.
Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:
- Medical
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide assistance
What is the longest duration travel insurance can cover?
The maximum duration will vary depending on whether you have purchased a Single Trip or Annual Multi-Trip policy.
The maximum duration available for any Single Trip policy, including extensions, is 12 months (365 days) from the policy start date shown on your Certificate of Insurance.
With an Annual Multi-Trip, the maximum duration differs depending on whether you selected teh Standard or Explorer plan.
- Standard Plan - 31 days per trip
- Explorer Plan - 45 days per trip
How do I buy travel insurance cover for longer?
You can buy cover for longer, even if you’re already on the road. Cover on World Nomads policy is available for up to one year, but if you want to extend your Single Trip beyond one year, you just need to jump online to get a quote for a new policy.
Be sure to revisit the eligibility criteria and key definitions such as ‘home’, as this and other terms and conditions have recently changed. We regularly review and change our policies and the cover we offer, so be sure that the cover still meets your needs each time you purchase.
You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.
Please note: If you plan to extend your Single Trip policy you should do so several days before it expires, due to time differences and possible administrative delays. If your policy is extended, we will issue you with an updated Certificate of Insurance.
What’s not covered on long term travel insurance?
There are a a number of other exclusions so make sure you read your policy and know what you aren’t covered for. Exclsuions include but aren't limited to:
- Engaging in any illegal activities (coverage will not be provided for such actions)
- Alcohol and/or drug abuse or alcohol and/or drug dependency
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Ongoing treatment at home
It’s important to remember that World Nomads offers travel insurance… not medical/health insurance. That means our policies won’t cover you for pre-existing medical conditions or ongoing medical care. We can however help you start on your road to recovery from injuries or illness incurred during your travels and ensure your safe arrival home.
Held up at gun point.
I was held up at gunpoint, on a bus journey between Belem and Teresina in Brazil. My entire rucksack and contents were stolen, and items on me were taken also. We spent the next day at the police station, and have statements from the police and bus company
British Nomad in Brazil.
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)
We cover 230+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamLong term travel insurance
For those who aren't going home anytime soon.
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This content is for New Zealand residents only.
What does long term travel insurance cover?
We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities and events including casual bar work, skiing, zorbing and much more.
Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:
- Overseas medical
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide assistance
How do I buy more travel insurance cover?
You can buy more cover, even if you’re already on the road. Generally cover lasts for up to one year, but if you want to extend your trip beyond one year, you just need to jump online to get a quote.
You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.
What’s not covered on long term travel insurance?
There’s a number of other exclusions so make sure you read your policy and know what you aren’t covered for. These include but aren't limited to:
- Anything illegal (you didn’t really think we’d cover that did you?)
- If you've taken drugs or alcohol
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Ongoing treatment in your home country
It’s important to remember that World Nomads offers travel insurance… not medical insurance. That means most of our policies won’t cover you for existing medical conditions or ongoing medical care (we'll patch you up and send you home).
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.
Severed Nerve
I was opening a bag of potatoes with a knife. The knife slipped and cut the 2nd (index) finger on my left hand. I attended the local emergency department in Aix-en-Provence at no charge, they referred me to Clinique Axium the following day. I underwent micro surgery to repair the ulnar nerve in my finger which I had partially severed (50%). Up until this time I was unaware that I had injured the nerve and definitely wasn't aware that I would require surgery. This operation was conducted under local anaesthetic.. I have had 2 follow up appointments at the Clinique the first of which was to issue a prescription to enable my dressings to be changed along with having a specialised splint made to keep my finger in a bent position to enable healing.
T.P. Kiwi in France.
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)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamLong Term Travel Insurance
For those who aren't going home anytime soon.
- As featured in:
As featured in:
We've designed our travel insurance policies to cover more than 150 activities and events, including casual bar work, skiing, zorbing and more. If you're looking to travel long-term, we have travel insurance that can keep you covered for up to 12 months.
- What can long-term travel insurance cover?
- Who might want to buy travel insurance for a long trip?
- How long can travel insurance cover me for?
- What if I don't know how long I want to travel for?
- What's not covered by travel insurance?
What can long-term travel insurance cover?
Whether you’re going on a long trip or a short trip, all of our travel insurance policies provide Australians cover for:
- Trip cancellation: we may reimburse your prepaid non-refundable trip cost if something unexpected happens and you need to cancel your trip. Covered risks include an unforeseen medical condition or government travel advisory.
- Trip interruption: coverage may provide reimbursement for your unused, prepaid non-refundable trip costs and for additional expenses you incur, such as airline change fees, if after you’ve started your trip, your trip is interrupted. If you get sick or injured and need to make a change to your travel plans or your trip is interrupted for another covered risk, such as a missed connection due to inclement weather or airline strike, you may need trip interruption insurance. Read your Product Disclosure Statement (PDS) to make sure your situation is covered before you make a claim. Contact us anytime if you need assistance rebooking your trip.
- Emergency medical expenses: like an urgent visit to the doctor if you become sick or injured, prescription medicine to help you get well, ambulance transportation, x-rays, and hospital stays.
- Emergency medical evacuation: if you get injured or really sick and the local doctor recommends that you return back to Australia.
- Delayed, lost or stolen baggage.
- 24//7 worldwide emergency assistance.
Our travel insurance policies are designed by travellers, for travellers. At World Nomads we love to explore our boundaries when we travel. We cover more than 150 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.
Who might want to buy travel insurance for a long trip?
Travellers might be interested in purchasing a long stay travel insurance policy. This could include:
- University students going to study abroad who want to travel in between quarters or semesters.
- Backpackers and road-trippers on a long-term holiday.
- Digital nomads making the most of work and play.
- Lucky Aussies who have won the Powerball and are heading out to explore the world with their newfound freedom and bags of money.
- Families travelling for the summer holidays.
How long can travel insurance cover me for?
Our policies are designed to be flexible. We offer short and long-term travel insurance policies, and allow travellers to extend their coverage (or buy a new plan) even while overseas. Aussie residents can buy a World Nomads travel insurance policy for a maximum duration, including all extensions, of 12 months from the departure date.
When you get a quote, you can compare our two plans, Standard and Explorer, and download the full PDS before you buy.
What if I don’t know how long I want to travel for?
If you’re planning to explore the world for a while, but you don’t know how long you’ll be gone for, don’t worry. You have a couple of options to ensure you’re covered while you’re away:
- Extend your policy: You can extend your policy online through your World Nomads Member Account. And you can extend from overseas while travelling, as long as you extend your policy before it expires. Terms and conditions, and limitations apply so check the PDS details before you purchase to make sure this will suit your needs.
- Purchase a new policy: If your policy has expired, you can purchase a new one while you’re still travelling. If you buy travel insurance during your overseas holiday, you are still subject to a 72-hour waiting period from the date that you receive your Certificate of Insurance, before your cover comes into effect. This means that you may not be covered for certain events or losses that happen during this period. Your PDS will have full details to understand the cover, limits, and exclusions.
- Purchase and track your policies with your World Nomads membership: If you buy travel insurance with us, log in to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log in before purchasing each new policy.
When you can’t buy more cover
You won’t be able to buy more cover or extend your policy if it’s already expired, if you’re 70 years old (or older) or if the policy/product you bought is no longer available.
What’s not covered by long-term travel insurance?
All travel insurance policies have exclusions and limitations. We won’t provide cover for:
- If you've taken drugs or overindulged in alcohol.
- Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for out of country medical emergencies).
- Ongoing treatment at home.
- Some pre-existing conditions, especially those not stable and controlled.
- Cancelling your trip due to fear of travel or just changing your mind.
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 PDS 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.
Gastro in Bali
I arrived home around 7:30ish from dinner feeling unwell and attempted to go to sleep. About half an hour later i threw up and had diarrhea which continued on and off for few hours. Around 1:20 am my heart begun palpitation and I felt dizzy with blurry vision. I called my mother and father whom are currently in Bali also on holiday. They came to where i am staying and decided it was best to take me to the emergency room. I was taken to Kasih Ibu Hospital in Denpasar. Where doctors treated me and kept me in the ICU for 2 days for further observation and testing.
Australian in Bali.
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
- Have you died?
- Has one of your relos died?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- 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)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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