Travel Insurance for Overseas Accidents
Stay protected with emergency medical and evacuation coverage in case of an accident during your travels
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Adventure’s calling…what’s it gonna be? Snowboarding in the Swiss Alps or scuba diving off the Canary Islands? Remember, with adventure comes the possibility of misadventure, and even the best planned trips can hit a snag when accidents occur. World Nomads offers UK travellers insurance options for those ‘just in case’ moments.
- What us covered if I have a travel accident?
- Additional benefits for UK travelers
- What should I do if I have an accident while overseas?
- What's not covered if I have an accident whilst travelling?
- Frequently asked questions
What is covered if I have a travel accident?
World Nomads offers two insurance plans: Standard and Explorer. Both plans cover medical expenses for accidents overseas, but the Explorer Plan has higher limits.
Here are some of the ways we could help UK policyholders if they have an accident while travelling:
Hospital stays: whether it’s a sprained ankle from a trek in Peru, or a case of Bali Belly, World Nomads can cover inpatient care, including emergency treatment, surgeries, and necessary overnight stays.
Out-patient surgeries: if an accident leaves you needing a quick procedure, you could be covered—minus the lengthy hospital stay.
Prescribed medications: need antibiotics after a run-in with an overzealous jellyfish while scuba diving in The Maldives? We may be able to cover the bill for that.
Medical evacuation and repatriation: sometimes, the thrill of exploring new places comes with unexpected risks. If a severe medical emergency happens while you’re overseas, we’ll help you get the care you need—no matter where that may be. World Nomads covers medical evacuations, including air ambulance transport if required, so you can get to the nearest suitable medical facility or back home with the support you need.
And while we hope you never need it, we also cover the repatriation of remains in the event of the unthinkable, easing the burden on your loved ones during difficult times.
Accidental death and dismemberment: if you get seriously hurt during your trip– and lose your sight, a limb, or even your life – you (or a designated beneficiary) can get compensated for the loss, up to the maximum benefit amount specified in your plan.
Note: the loss must have occurred within 365 days of the accident to receive benefits.
Additional Benefits for UK Travelers
Adventure and Activity Cover: 150+ Activities
Our UK policyholders love a good thrill, and we’re all for it—that’s why we offer cover for over 150 activities and sports. Got a hankering for barefoot waterskiing? Lake Como’s glassy waters in Italy are perfect for it—and yes, if you get a little wobbly and twist an ankle, we’ve got you covered (not that we wish that on anyone!).
Air Doctor: Medical Help When You Don’t Need a Hospital
For non-urgent issues, World Nomads also offers access to Air Doctor. So, if you’re exploring the Australian Outback or visiting remote villages in South America, you can connect with a doctor virtually or find one nearby. Air Doctor makes it easy to get advice, prescription refills, or minor treatments without navigating an unfamiliar healthcare system—perfect for handling those minor bumps in the road so you can get back to the adventure.
Worldwide 24-hour Emergency Medical Assistance
When exploring the world, the last thing you want to worry about is what to do in a medical emergency. That’s where our 24-hour Emergency Medical Assistance team steps in. Available around the clock, our team is here to help connect you to local medical providers, coordinate your care, and ensure you’re supported at every step.
What should I do if I have an accident while overseas?
- First, make sure you’re safe and out of immediate danger. Take a deep breath and evaluate any injuries or risks around you.
- Call our Emergency Medical Assistance Team immediately. They’re available around the clock to guide you through what to do next and can help connect you to local medical services if needed.
- When you call, be ready to share the following details:
- Your location: give as much information as possible about where you are, including any landmarks if you’re in a remote area.
- Nature of the emergency: describe what happened and the extent of your injuries or illness.
- Your policy number: have your World Nomads policy number handy to speed up assistance.
- Pre-authorisation may be required for more extensive medical expenses like surgeries or extended hospital stays. Our team will help you arrange this to ensure you’re covered, and they’ll handle direct payments to the medical provider when necessary.
- Keep in touch with our Emergency Medical Assistance team until you no longer require treatment or assistance.
- If you need to make a claim, you can do it online through your World Nomads account. It’s simple and convenient, so you can focus on getting back on your feet.
Heads-up: this travel insurance covers you over and above any state health insurance or reciprocal health agreements, like your GHIC or EHIC. If you're heading to the EEA or Switzerland, remember to bring a valid GHIC (or EHIC if you still have one) for access to state healthcare at reduced or no cost. And when your EHIC expires, just switch over to a GHIC to keep those benefits rolling.
What’s not covered if I have an accident whilst travelling?
- If an accident happens after too many Coronas, we won’t cover you.
- Acting a fool and breaking the law? We won’t cover that.
- If you decide to push the limits of your policy inclusions, you’re on your own.
- Pre-existing medical conditions
- If you ride a motorbike without a helmet, the correct licence, or a valid CBT certificate (DL196).
This is not a complete list of what's covered and not covered. Some limits and conditions apply, so for more information, check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy. Contact us if you’re still not sure.
Mountain Biking Accident.
I was riding my mountain bike when I hit something and went over my handle bars. I put both hands out and broke my wrists and knocked myself out. I woke up in an ambulance and then went to Whistler Health Care Centre where I had x rays and further treatment.
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 teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Is emergency medical evacuation covered by travel insurance?
World Nomads covers emergency medical evacuations, including air ambulance services, if you need urgent care or transfer to a suitable medical facility.
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What happens if I need to return home early due to an accident?
If an accident forces you to cut your trip short, our policy may cover the cost of returning home early, depending on the circumstances and your coverage.
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How does travel insurance handle adventure sports injuries?
Injuries from covered adventure sports are included in our plans. Specify your planned activities when purchasing to ensure they’re covered.
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Does my insurance pay for my accident upfront, or do I have to pay and make a claim?
Who pays depends on what happened. Suppose it’s an emergency where medical evacuation is required. In that case, World Nomads will try to cover these costs upfront (provided the incident is covered as per the policy wording and you get pre-approval from the Emergency Medical Assistance team).
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illnesses overseas. They don't stand in place of primary medical insurance or government healthcare.
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Will I get an upgrade if I am sent home?
The Emergency Medical Assistance team can arrange transportation home in the event of medical repatriation, where necessary. You won't be getting an upgrade if it's not medically necessary.
Cheap travel insurance
Cheap isn't always the way to go.
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This content is for New Zealand residents only.
Do you really want cheap travel insurance?
Cheap Travel Insurance is only good if it protects you for those emergencies it’s supposed to protect you for.
Going too cheap can mean you’re not covered when it matters and if you’re not covered… your trip of a lifetime can get very expensive, very fast.
That’s why at World Nomads we listened to our experienced travellers and designed designed simple and flexible travel insurance policy options to match their high expectations, at an affordable price (but not the cheapest).
All policies include a number of benefits that our travellers may need, these include:
- Overseas medical
- Cancellation
- Luggage cover
- 24/7 worldwide assistance
Travel insurance options that have your back
As no two travellers are alike, we’ve designed a Standard and Explorer travel insurance option so you can choose whether you pay for the extras or not.
If you’re planning to kayak the Amazon solo or throw yourself out of a plane with just a little bit of silk attached to your back, the Explorer option may be more suited to you.
Then again, you might be surprised by what is covered under the Standard travel insurance option. Just tell us who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote with all the detail you need.
And if you’re not sure you can start with the Standard and upgrade your travel insurance at any time, even if you’re already on the road. Check your policy for the coverage start date and time.
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.
We know we’re not the cheapest, but with us you can travel with confidence, knowing you’ve got 24/7 traveller support, insider information to help you plan your trip and coverage for all the important events you’re likely to encounter.
Cycle Accident
During cycle tour of Malaysia I fell off my bike and sustained abrasions and an undisplaced fracture of the surgical neck of my left humerus. No other vehicles were involved in the crash, but a private vehicle stopped and transported us to the nearest town (Gua Musang). Gua Musang Hospital (a public hospital) diagnosed and treated the injuries. I advised WN of the incident the following day. Following the injury we had to arrange alternative transport(train) to Kuala Lumpur and cancel the remainder of our cycle tour, including ferries booked in Australia that had a non-refundable portion.
New Zealand Nomad in Malaysia.
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?
- Have 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 teamWhat's covered
World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials.
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Understand the key parts of World Nomads travel insurance
Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
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Recent world events have shocked most of us with terrorist events on our doorstep and at many of our favourite holiday destinations.
Our travellers know that staying aware at all times is key to staying safe, but there are some things you can never anticipate and a terrorist event is one of those.
What can travel insurance cover if there's a terrorist attack?
In the event of a terrorist attack, our travel insurance (Explorer Plan only) covers a number of situations like:
- You decide to stay and travel: If you decide to stay and travel, as long as there is no directive from the Foreign Commonwealth and Development Office (FCDO) or a similar body recommending evacuation, your policy will continue;
- You are forced to move to a safer place: You must be on your trip and have checked in to your original accommodation, it must be uninhabitable for at least 24 hours. We will pay up to the sum insured for the same standard of accommodation as you originally booked when your travel provider does not supply an alternative;
- You’re injured or die in a terrorist attack: If you’re injured or die in a terrorist attack, our policies may provide cover for emergency medical and dental assistance. You can’t have travelled against the advice of the FCDO or participated in the terrorist activity.
Our 24/7 Emergency Medical Assistance team can help you navigate next steps if you’re caught up in the chaos and aftermath of an attack and are trying to continue your trip.
What’s not covered by travel insurance if there's a terror attack?
Terrorist attacks are understandably traumatic. If you’re worried one might occur, or following an attack you want to travel elsewhere or go home, we consider that to be a change of mind and we won’t cover you for those costs. There are some exceptions to this as mentioned above.
In addition, our policy does not cover:
- If you choose to travel to a destination to which the FCDO has advised against all travel;
- If you change your mind;
- If you decide to return home early;
- If you have to leave where you are staying and leave your stuff behind you will not be able to replace it;
- Buying a policy after the event happens will not cover you for any of the event related injuries.
You must also remember that if you knowingly put yourself in danger you may void your travel insurance. This means if there’s a warning of a terrorist attack or you were likely to have had knowledge there might be one, and you put yourself at risk by traveling to or staying in the vicinity of that area, then your cover may be void.
The policy wording contains all conditions, exclusions and limitations to cover, so please read it carefully before you buy.
How to get help if you're hurt in a terror attack
It’s essential you contact our 24/7 Emergency Medical Assistance teams as soon as you are aware you will be admitted as an inpatient for at least one night so we can support you from the time you get injured until the time you get home.
So our teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Terror attacks in Paris
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
US traveller
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)
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
Yes, our Explorer plan may offer cover if your trip is disrupted.
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Can you refund the rest of my policy because I’ve returned home early?
No. If you need to cancel outside your cooling off period, there is no refund of the unused premium.
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What if I have to leave my baggage behind?
Unfortunately there’s no cover if you leave your baggage behind.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Stolen or Damaged Baggage
If your gear has been stolen or damaged, here's how we can help.
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We’ve all been there: landing in your dream destination, only to find out your bag’s gone on its own holiday. Travel mishaps like lost or stolen baggage can turn an epic adventure into a logistical nightmare. World Nomads travel insurance not only protects your gear; it protects your plans— because a lost bag shouldn’t stand in the way of your next great story.
- How travel insurance can help if your bags are stolen or damaged
- Additional benefits for UK travelers
- What should I do if my baggage is stolen during transit?
- Keep your baggage safe
- What's not covered by travel insurance for digital nomads
- Frequently asked questions
How travel insurance can help if your bags are stolen or damaged
World Nomads keeps it simple for our UK travellers with two insurance plans: Standard and Explorer. Both offer coverage for stolen, delayed, and damaged luggage, but the Explorer Plan has higher limits and offers additional coverage for the accidental loss or theft of cash (provided you’ve stowed it safely).
Your policy will have very specific limits on the total value of the luggage covered and on individual items. If some items you bring exceed those limits, you might want to specify high-value items when you purchase your policy. It'll cost you more, but it may be worth it if you have to make a claim.
Our policies can cover you if your gear is:
- Stolen or accidentally damaged
- Stolen, lost, or accidentally damaged by a common carrier (a commercial airline, for example
- Taken from you during an assault
- Stolen from your private, locked accommodation and where there's visible evidence of damage and forced entry.
There are, of course, conditions on how cover applies. For example, we won't cover your electronics or jewellery if they are part of checked-in luggage. Read through the policy wording so there are no surprises.
Additional Benefits for UK Travelers
Annual Multi-Trip Policy
Our Annual Multi-Trip (AMT) policy offers unmatched flexibility for UK travellers with a serious case of wanderlust. Whether hopping to France for a weekend or jetting off to Southeast Asia for a few weeks, AMT covers your baggage and personal belongings on each trip—without the hassle of buying a new policy every time you travel.
Medical Coverage and Emergency Assistance
When you’re exploring far from home, having emergency medical coverage can be a lifesaver—literally. For digital nomads and frequent travellers, unexpected health issues can turn your plans upside down. That’s why World Nomads provides 24/7 emergency medical assistance so UK travellers can get immediate help when needed.
Smart Delay
Nobody likes a delayed flight—especially when you’re stuck between connections at a bustling airport. With World Nomads’ Smart Delay feature, UK travellers get extra support if their flights or connections are held up beyond a specific time. Think of it as a travel buffer: Smart Delay helps cover essentials like food and refreshments, so you’re not left out of pocket while waiting for things to get back on track.
What should I do if my baggage is stolen during transit?
No one wants to lose their belongings; it’s frustrating and heartbreaking. If someone nicks your gear, it’s imperative you get on the front foot…fast. Here are some steps you should take right away:
- Report it wherever it was stolen (public transport, accommodation, public venue etc.). Be sure to ask for written evidence.
- Report it to the police.
- Gather your receipts and supporting documents.
- Contact us.
For more comprehensive information, check out our article What to do if your luggage is stolen.
Keep your baggage safe.
While stealthy thieves and misplaced bags are a reality of travel, there are a few simple tips and tricks you can keep in mind while travelling to help reduce the risk of losing your most valued possessions.
From always packing and carrying your bags to safeguarding your bags with zip ties, follow these essential tips from travellers on keeping your belongings safe while you travel.
Ready to pack your bags? You can get a quote for both single and annual multi-trip plans and decide which suits your needs best.
What’s Not Covered
Our policy for UK residents doesn’t cover several items, and if you don’t look after your belongings properly, you may not be covered either.
- We can't cover your belongings if you don’t keep them safe and secure or accidentally leave them behind (so don’t leave your camera in the taxi in Australia—we won’t cover it).
- Report any loss to the police or relevant authority within 24 hours—get a written report!
- If another insurance policy covers your item or it’s recoverable from another source, we cannot help.
- Baggage delays on your way back to the UK aren’t covered.
- We don’t cover items like bicycles, items made from glass or china, dentures or hearing aids.
- We love adventure, but gear used during sports or activities isn’t covered.
This is not a complete 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 baggage cover and personal effects and read your policy carefully before you buy.
Beware of the Singing Girl.
My wife and I were travelling through South America. We had just arrived in the main bus station in Arequipa, Peru at approximately 7pm, after travelling overnight from the north of Chile. We sat down on the public seating at the bus station whilst waiting for a friend to book an onward ticket. I was sat on the end of the isle of seats with my day bag by the side of my feet. A child of about the age of 9 years came up to us from the opposite direction and spoke to us in Spanish. We both looked at her whilst trying to understand what she said. After decyphering that she wanted to sing us a song and subsequently declining her offer, she wandered off. At this point I looked down at my bags to discover that my day bag had gone. We obviously immediately looked around, could not see the bag anywhere. We asked the other people sat around if they had seen anything, but no one had. The little girl was nowhere to be seen. As we had been on the go for over 24 hours and were extremely tired and now extremely upset, we left and checked into a hostel. The next morning we lodged a report with the tourist police who informed us that there had been a police counter at the station. At the time though it had not even occurred to me that we could make a report at the station itself. After 3 months of travelling through South America with not a single problem and with only 5 days left until flying home this has not been the most pleasant way to finish our holiday!
British Nomad in Peru.
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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I claim my baggage while I'm travelling?
UK residents claim online while travelling or when returning home. We encourage you to submit your claim at your earliest convenience or within 60 days from the date of loss. Plus, submitting your claim as soon as possible means less of a chance you’ll misplace your receipts or other required documentation.
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What if I don’t have receipts?
You can still file a claim. However, the item might depreciate, or we may be unable to process your claim without additional information. We require receipts if you are trying to claim reimbursement for purchases made because of a baggage delay. For more information, check out our article. What do you do if you don't have the requested claim documents?
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If the airline loses my gear, what do I need?
You’ll need documentation from the carrier confirming the delay and any compensation they provided to you or offered to you and your receipts.
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Do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. Depreciation happens to match the claim to the item's current price, not the original retail price.
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Am I covered if I lose my passport?
Our travel insurance plans may be able to help you with getting an emergency passport. Sometimes, your travel insurance may not cover you, like if you leave your passport behind. Read through your plan wording carefully to become familiar with how your policy can and cannot help in these situations, and read our help centre article about lost and stolen passports.
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I have a high-value camera. Does your travel insurance cover it?
While both Standard and Explorer plans can offer cover for your high value items, an additional premium is required. High value items are subject to per item and maximum benefit limits. Always read your plan wording carefully to ensure you have adequate cover for your needs. Still not sure? Contact us, and we will help you determine what’s best for your circumstances.
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I'm on a gap year, can I claim my baggage while I'm away?
You can claim it whenever you like while travelling, or when you return home.
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If the airline loses my gear, what do I need?
You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided or offered you, as well as your receipts.
Does Travel Insurance Cover Existing Medical Conditions?
Most of our policies don’t cover existing medical conditions, so don’t assume you’re covered
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At World Nomads, we believe that having an existing medical condition shouldn't prevent Australians from exploring the world. Whether you're surfing in Bali, road-tripping through New Zealand, or indulging in the culinary delights of Paris, it's crucial to understand how your health status impacts your travel insurance.
- What is an existing medical condition?
- Can you get cover for an existing medical condition?
- What is not covered?
- Tips for travellers with existing medical conditions
- FAQs
- Ready to get a travel insurance quote?
Whether your condition ends up covered or not, it's better to know exactly what's included (or excluded) before you leave home.
What is a pre-existing medical condition?
An existing medical condition is any health issue you’ve experienced before buying your travel insurance policy with World Nomads.
Specifically, it includes conditions that are:
- Chronic or ongoing
- Displaying current symptoms
- Awaiting or undergoing investigation, treatment, or surgery
- Diagnosed or treated within the last six months (including surgeries)
- A medical condition that develops symptoms, is diagnosed, or treated while you're back in your Country of Residence during a home visit that interrupts your trip.
Can I get cover for pre-existing medical conditions?
Depending on your Country of Residence, our policies may not always cover pre-existing medical conditions, so it's important to double-check the specifics in your policy information.
However, in most instances, even if your pre-existing condition isn't covered, you may still be covered for other unexpected travel mishaps—as long as they're not related to that pre-existing condition. This includes cover for, and not limited to, the following:
- Baggage and personal belongings
- Medical, including evacuation and repatriation for unexpected illness and accidental injury that are not pre-existing medical conditions
- Natural catastrophe
- Lost or damaged passports, licenses or other travel documents
- Travel delay.
Our policy may also cover cancellation if, after you purchase it and before you start your trip, you, or someone whose health your trip depends on suffers a serious illness or injury.
Traveller's tip: do your homework and identify any pre-existing condition coverage before purchasing travel insurance. You don’t want to get sick overseas and realise you’re not covered. Check the criteria for pre-existing conditions carefully, and contact us for clarification if you have any doubts. We’re always happy to help.
What isn’t covered?
Travel insurance isn’t designed to cover everything—especially regarding pre-existing illnesses. World Nomads won’t cover:
- Existing medical conditions: unless you’ve declared them, listed them in your travel insurance policy, and met all coverage criteria. Cover is dependent on your Country of Residence.
- Overseas medical expenses: once you return home, all medical costs are on you.
- Previous insured medical issues: you cannot claim expenses relating to conditions relating to previously insured events—unless you meet the automatic cover criteria.
- Overseas illness before you bought your policy: if you got sick abroad and then promptly bought travel insurance hoping to make a claim—we’ll save you the hassle right now…you're not covered.
Note: if you purchased cover after you left home, there’s a waiting period of 72 hours before the insurance takes effect. Any illness or injury occurring during this waiting period may be considered a pre-existing medical condition for the remaining period of your insurance. Please note that cover is dependent on your Country of Residence.
Tips for travellers with pre-existing medical conditions
- Consult your GP: before booking your trip, consult your doctor to confirm your condition is stable enough for travel.
- Be upfront: honesty is the best policy when it comes to your medical history. Declare your pre-existing conditions during purchase—it's the only way to avoid claim headaches.
- Read your policy: we're not just saying this to tick a box—we genuinely want you to have an awesome trip and fully understand what your travel insurance covers (and, importantly, what it doesn’t).
- Carry medical documents: having a medical emergency in a foreign hospital can be stressful. But having copies of prescriptions, medical records, and a doctor’s letter explaining your condition can make treatment much easier for everyone involved.
- Plan for emergencies: create a game plan, including a list of emergency contacts and local hospitals before travelling.
Ready to get a travel insurance quote?
If you’re ready to start exploring our travel cover options and optional extras, then visit our Get a Quote page and tell us your travel details.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Policy Wording. If you’re not sure if something is covered, get in touch.
FAQ
Here are our most frequently asked questions about buying travel insurance with pre-existing medical conditions. You can also find the answers to other questions in our Help Centre or you can ask the customer service team.
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Does World Nomads cover pre-existing medical conditions?
Not all World Nomads policies cover pre-existing medical conditions. To avoid surprises, carefully check the policy details for your Country of Residence to see what pre-existing conditions are covered, which are covered, and any specific criteria you'll need to meet.
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What if my medical condition isn’t automatically covered?
In some instances, World Nomads may offer cover for pre-existing medical conditions automatically. If you don’t meet the criteria for automatically covered pre-existing medical conditions, you can still purchase a policy, but you won’t be covered for any claims that arise from the pre-existing medical condition.
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What if I have a pre-existing medical condition that isn’t automatically covered?
If your pre-existing condition isn’t automatically covered, you won’t be able to claim for anything related to or worsened by that particular condition. However, you’ll still be covered for unrelated medical emergencies, like sudden illnesses or unexpected injuries overseas.
New Diagnosis in Mexico.
I realized I had forgotten a medication (clonazepam) which I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.
J Davis. US Nomad in Mexico.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamDoes Travel Insurance Cover Pre-existing Conditions?
Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.
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For information relating to policies purchased prior to 27 June 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.
We do not offer a policy under the following circumstances:
- If you have been diagnosed with a terminal illness.
- If you are travelling intending to receive medical treatment.
- If you are travelling against the advice of a medical practitioner or would be travelling against their advice if you asked for it.
Having a pre-existing medical condition isn't a reason to stop travelling, but it can affect your travel insurance and what you’re covered for. Whether you're travelling off the grid or blogging in it, it's best to know if we can cover your pre-existing medical condition before your travel, so you're not caught unaware.
What is a pre-existing medical condition?
A pre-existing medical condition is 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).
It’s important that you read your policy wording and its specific definition of 'pre-existing medical condition' and determine if the cover offered will meet your needs.
In addition, if you took out cover after you left home, there is a waiting period of 72 hours before the insurance takes effect. Any illness or injury that occurs before or during this waiting period may be considered a pre-existing medical condition for the remaining period of your insurance.
Change in health?
If you have a change in health after policy purchase, you will need to provide medical confirmation from your General Practitioner that you were fit to travel, should you later need to claim.
What can travel insurance cover if not pre-existing medical conditions?
Our policies do not cover pre-existing medical conditions, but they still offer cover for many events that can take place while on the road, as long as the event is not as a result of the pre-existing medical condition(s). This includes cover for:
- Baggage and personal belongings
- Medical, including evacuation and repatriation for unexpected illnesses and accidental injuries that are not pre-existing medical conditions
- Trip Disruption
- Lost or damaged passports, licenses or other travel documents
Our policies may also cover your cancellation expenses if, after you’ve purchased the policy and before you've started your trip, you or someone else on whom your trip depends suffers a serious illness or injury which is not a pre-existing medical condition.
Is Coronavirus a pre-existing medical condition?
It can be if hospital admission is required.
To find out more about Coronavirus (COVID-19) coverage for your Country of Residence, select your Country in the top left hand corner of this screen. Or to read more about what cover applies to you, read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
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:
- Pre-existing medical conditions, as defined in the policy wording
- Any medical expenses once you return home
- The cough/cold/flu you caught 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, conditions and exclusions that apply, so for more information check out our article on pre-existing medical conditions and read your policy wording carefully before you buy. If you’re not sure if something is covered get in touch.
If your pre-existing medical condition isn't covered (as explained in your policy wording) 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 it.
New Diagnosis in Mexico.
I realized I had forgotten a medication (clonazepam) which I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.
J Davis. US Nomad in Mexico.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Natural Disasters
For when nature intervenes.
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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.
Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips.
While some natural disasters are completely unpredictable, a lot of them think hurricanes, monsoons, and even volcanic eruptions often give off enough warning for you to prepare yourself so you're not caught unaware.
We consider a natural disaster the following: flood, cyclone, tornado, hurricane, typhoon, wild fire, tsunami, earthquake, landslide, avalanche, volcanic eruption. ‘Natural disaster’ does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.
For those policies that do cover natural disaster in one way or another, you'll need to have bought a policy before the event is known and do everything you can to minimise your expenses.
If your destination is impacted by a natural catastrophe then you must contact our 24/7 Emergency Assistance Team so we are advised of the situation. If you do not comply with this condition it may impact what we pay you for your claim.
What does travel insurance cover if there is a natural disaster?
Not all of our policies cover natural disaster in the same way, and some of them exclude it altogether. If you look through the following table, you'll be able to see how the policy works for your Country of Residence.
| Your country of residence | Cancellation | Trip Interruption | Trip Delay | Medical Expenses | Baggage | 24 hour emergency assistance |
|---|---|---|---|---|---|---|
| Australia | ||||||
| New Zealand | ||||||
| Brazil | ||||||
| Canada | ||||||
| United Kingdom | ||||||
| Ireland | ||||||
| USA | ||||||
| All other countries |
Important: It's a good idea to read through the Policy Document as you go through the purchase path as there are limits on the cover depending on which plan you buy.
What’s not covered by travel insurance in a natural disaster?
- If you’re a storm chaser and put yourself in its path.
- If you don’t follow the advice of the authorities.
- If you hang around to watch what happens.
- If you buy a policy after an event becomes known.
For more information check out our article on natural disasters and read your policy carefully before you buy.
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.
If you’re travelling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about natural disaster travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I get I get a refund on my policy if I'm not longer traveling?
If the policy is outside of its cooling off/free look/refund period, then there are no refunds for the unused portion of your policy.
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Does my policy automatically extend if I'm unable to get home?
Most policies with automatically extend. However, not all do and the extension lengths vary. So check your policy so you know how you're covered.
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I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling off/free look/refund period, and you're not using your policy in any way, you can cancel the policy and get a refund.
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If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.
What's covered
World Nomads travel insurance has been designed by travellers for travellers, to cover your trip essentials.
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