Travel insurance for scuba diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
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Why buy travel insurance when going scuba diving?
Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads Travel Insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
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.
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 30 meters)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving to a maximum depth of 30 metres
- Snorkeling, island escapes, live-aboard trips, and more
*Note: Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
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 scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
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How do I get to the medical centre if I’m injured underwater?
Contact our emergency medical assistance team so that they can help to the care that you need. For further info, click here.
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What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer can help cover these costs upfront. For further info, click here.
Travel insurance for ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling, and claim online from anywhere in the world.
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Whether you're a newbie hitting the bunny slopes or a seasoned pro tackling the black diamonds, accidents can happen. With World Nomads travel insurance, you can shred the slopes and let your winter adventures be as smooth as the freshest powder.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on your country of residence and the plan you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your baggage, ski or snowboarding gear is lost, stolen or damaged
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche, or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family on a winter vacation!
Choosing the right policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting & more.
It’s important to note that all plans are different depending on your country of residence and may require an upgrade for cover to apply. Read the Policy Wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski racing or national squad training, the use of skeletons.
- Some winter and snow sports have special terms including exclusions for remote areas, racing, time trials and endurance events. Check the policy wording carefully.
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old, or while in use
- If you travel against medical advice or neglect to adhere to U.S. Department of State ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any pre-existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Be aware of skiing or snowboarding no go zones: don’t go into back country areas without taking local advice and appropriate rescue equipment. You should follow the International Ski Federation code or the resort regulations.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
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. If you have any questions, please contact us.
FAQ's
Here are our most frequently asked questions about ski and winter sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation and repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
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Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use or loss, damage or theft of any sporting equipment left unattended. Be sure to read the policy wording for terms and conditions.
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Do you cover snow trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a natural catastrophe such as avalanche, our policies provide cover for the value of your unused accommodation, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by a natural catastrophe be sure to get supporting documents for any claims.
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Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to a natural catastrophe, including avalanches. Our policies can help protect you against those unexpected situations.
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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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 when participating in snow sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.
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As featured in:
Why buy travel insurance when going skiing or snowboarding?
Big dumps, fresh tracks and bluebird days will make for an epic trip, yet accidents on and off the hill do happen, even to the most experienced sliders. If you’re just learning on your first trip or you’re a ski bum chasing seasons, World Nomads Travel Insurance can help you and your family when the unexpected hits your next winter adventure.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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
World Nomads loves the snow
As passionate ski bums, we’ve designed our plans to cover the style of riding our Nomads love the most*:
- Skiing and boarding within resorts
- Cross country skiing on marked trails
- Terrain parks and heli-skiing
- Ice skating, snow rafting & more
*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
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 snow sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What’s covered when skiing or boarding?
We’ve tried to give you the freedom to learn or hone your snow skills by helping cover some of those nasty accidents. For further info, click here.
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How do I get to the medical centre if I’m injured on the mountain?
Contact ski patrol to get immediate local assistance if you’re on the hill. If you’re already in the village, contact our emergency medical assistance team so that they can direct you to the nearest medical facility, help arrange treatment or emergency transport if required. For further info, click here.
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What if the airline damages my board/skis?
If your gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Travel insurance for overseas medical
A visit to a hospital shouldn’t put your credit card into intensive care
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Overseas medical travel insurance: At a glance
- Get medical help immediately, don’t delay medical treatment.
- Call local emergency services if needed.
- Contact World Nomads 24/7 Emergency Assistance as soon as practical.
- Keep all medical reports, receipts, and invoices.
- Always read the Policy Wording/Financial Services Guide (FSG)and Target market Determination (TMD) to know what you are covered for and consider whether this product is right for you.
- Contact usif you have any questions.
- What to do if you’re injured overseas
- What’s covered
- What’s not covered?
- Contact the 24/7 Emergency Assistance team
- Need to make a claim after a medical emergency?
- Travel tips for medical emergencies overseas
- FAQs
Food poisoning definitely isn’t on the menu for most of our travelers, but then again neither is Coronavirus (COVID-19), scooter accidents, brain aneurysms or shark bites.
We’ve seen all of these and more in our claims department at World Nomads and that’s why we think you’d have to be mad to travel anywhere overseas without travel insurance for overseas medical emergencies.
What to do if you’re injured overseas
Contact the 24/7 Emergency Assistance team who can help you sort out the insurance side of things. Finally, make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.
What’s covered
Depending on your chosen plan and your country of residence, your policy may help cover things like:
- Overseas medical and hospital expenses
- Emergency dental treatment
- Emergency medical evacuation
- Transport to the nearest appropriate medical facility
- 24/7 Emergency Assistance support
What’s not covered?
- Alcohol misuse or being under the influence of a drug.
- Unlawful acts.
- Any sexually transmitted diseases or sexually transmitted infections (except were contracted through an assault).
- Non-emergency treatment that can wait until you return home (it's not health insurance; it's for medical travel emergencies).
- Pre-existing medical conditions.
- Ongoing treatment at home.
Contact the 24/7 Emergency Assistance team
Our Emergency Assistance team is available 24 hours a day, 7 days a week.
For hospital admissions or serious injuries, you (or someone with you) should call the Emergency Assistance team as soon as possible. They may help coordinate care, communicate with medical providers and discuss next steps under your policy.
Travel insurance tip: Keep your travel insurance policy number handy. Your policy number and contact details for the Emergency Assistance or customer service teams can be found on your Certificate of Insurance.
Get a quick travel insurance quote
Get a quote in minutes. Buy at home or while travelling and claim online from anywhere in the world.
Get a quote
Need to make a claim after a medical emergency?
Claims can be submitted online. To lodge a claim for travel insurance medical emergencies, keep:
- Medical report detailing what happened and the diagnosis
- Hospital admission and discharge records
- Emergency services reports
- Itemized invoices and receipts
- Any correspondence about your treatment
Review the terms and conditions, limitations and exclusions in your policy wording carefully so you clearly understand your coverage.
Travel tips for medical emergencies overseas
- Save your policy number and the Emergency Assistance number on your phone before you travel.
- Keep a printed copy of policy documents.
- Know local emergency numbers.
- Don’t ‘wait it out’ if you’re unwell. Seek treatment early and contact our team as soon as practical.
- Keep copies of all medical paperwork.
If you’re injured or have an illness that we believe is best treated at home, we may make the decision to repatriate you even if you don’t want to go. You must be aware that if you choose not to go, against our advice, then way may limit the costs we pay, and you’ll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you’re claiming.
Travel insurance tip: Emergency numbers vary by country. Look them up before you travel and keep them handy.
FAQ
Here are our most frequently asked questions about cover for overseas medical emergencies. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What should I do first if I’m injured overseas?
Get to a safe place and seek medical help immediately. Call the local emergency services if needed. Once you’re safe and being treated, contact the Emergency Assistance team as soon as you can.
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Do I need to contact World Nomads before getting treatment?
No. Always seek urgent treatment first. Health first, paperwork later. But make sure you contact our Emergency Assistance team as soon as is practical.
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What documents do I need to make a medical claim?
You’ll need to present any documents relevant to your medical treatment. A doctor’s report, hospital records, invoices, receipts for medication, police reports, proof of travel.
Travel Insurance for Overseas Medical
Don't let your medical costs bury you.
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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.
Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.
In order to help our travellers get back on their feet, our policy has been designed to help out when some unexpected illness or injury strikes, to get back on the road again.
What’s covered by overseas medical travel insurance?
World Nomads travel insurance covers accidents and emergencies when you’re travelling abroad.
If you’re accidentally injured or suddenly become ill while traveling, our 24/7 Emergency Medical Assistance Team is on hand to help you. Cover may include:
- Assistance locating and paying for medical care abroad.
- Hospitalisation.
- Out-patient care and day surgery.
- Ambulances and medical transport, including by helicopter if medically necessary and available.
- Transport back to your country of residence if we deem it medically necessary.
Am I covered for COVID-19 while overseas?
Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording). If you are diagnosed with COVID-19 while abroad your benefits may include:
- 24/7 access to our Emergency Medical Assistance Team, who can help you access local medical care;
- Medical costs including hospitalisation;
- Evacuation or repatriation if deemed necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.
Reciprocal health agreements and medical cover
World Nomads policies cover accidents and emergencies only, and it is not a private health insurance/private medical insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no available reciprocal health agreement in the country in which you are travelling.
If you are travelling to a country where there is a reciprocal healthcare agreement in place with your country of residence, such as Australia, you will need to apply for reciprocal health cover before you leave home, including obtaining a European Health Insurance Card (EHIC).
What’s not covered by travel insurance?
Though our policy may cover accidents and emergencies, it’s not a catch-all for every scrape you might find yourself in. Medical conditions or circumstances we don’t cover include:
- If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
- Injuries or illness from drugs or alcohol abuse.
- If you’ve been acting recklessly.
- Pre-existing medical conditions as explained in the policy wording.
- Ongoing medical treatment at home.
- Non-emergency treatment that can wait until you get home.
- Cosmetic treatments.
- If there is a reciprocal health agreement between your country of residence and the country in which you are travelling.
- If you booked a one-way ticket to your destination, we will not pay for your return ticket home.
How to get medical assistance
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as you are aware that you will be admitted as an inpatient for at least one night so that the team can support you from the time you fall sick or get injured until the time you're well again.
So that they 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
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Dengue.
I woke with a bad fever and headache. I tried to self-medicate however the fever did not subside. I went to the hospital to get checked out. It was confirmed that I tested positive for Dengue Fever and was later admitted for a period due to extremely low counts in my blood.
South African 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 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)
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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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer can cover these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance team, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas.
Travel Insurance for Expats
Working overseas? Get travel insurance for your holidays.
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In today's interconnected world, more and more people are embracing the freedom of living and working abroad as expats or digital nomads. Whether you're setting up a home base in a new country or embarking on a nomadic journey, consider travel insurance when packing for your overseas adventures.
- Why expats and digital nomads should consider travel insurance
- Planning on some adventures?
- Cover for accidents and injuries
- Cover for your tech
- What’s not covered
- FAQs
With World Nomads travel insurance you can be covered for benefits from medical emergencies to damaged, lost or stolen tech, cancellations and trip interruptions and more than 150 activities and sports, so you can focus on exploring new horizons.
Why expats and digital nomads should consider travel insurance:
World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.
Here are a few reasons why expatriates and digital nomads keep coming back to World Nomads for their travel insurance:
Flexible policies
We know it’s not easy finding travel insurance when you’re not living in your home country, so we have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need. You can choose the policy and options that suit your needs and manage your policy in our online portal.
Accessible coverage even after you’ve left home
Our travel insurance is available to most nationalities living or traveling outside of their country of residence. You can purchase our policies online and you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.
Cover for multiple destinations
If you're a digital nomad travelling to multiple countries, World Nomads travel insurance offers cover for with multiple destinations to ensure you're protected wherever your journey takes you.
Cover for unexpected cancellations
Unforeseen events such as family emergencies or job changes may force you to cancel or cut short your trip. World Nomads travel insurance may reimburse you for non-refundable expenses depending on what has happened and your specific circumstances.
Cover to suit your needs and budget
To help meet the needs of expats we offer two travel insurance plans – Standard and Explorer - each of which offers different levels of coverage and benefits so you can choose the plan that suits you.
Planning on some adventures?
Part of living and working abroad is having adventures! Depending on your country of residence and the plan you have selected , our policies can offer cover for more than 150 activities, sports and experiences, including working and volunteering. Some of the activities we can cover include:
- Bungee jumping
- Hiking up to 6,000 metres
- Kayaking, rafting, surfing and other water sports
- Manual and non-manual work and volunteering
- Scuba diving
- Skiing and snow sports
If you’re not sure if something you’re planning on doing is covered, please contact us.
Expat tip: be sure to have the appropriate visa to work under the local laws of the country you’re visiting.
Cover for accidents and injuries
Our policies can cover emergency overseas medical expenses, (up to the policy limits and when agreed by us, for up to 12 months from the date the illness first appears or injury happens) for events including:
- Medical evacuation
- Admission and treatment in hospital
- Emergency dental treatment
- Repatriation home
The 24/7 emergency assistance team can arrange medical transport, locate the closest medical facility, and give support to you and your family.
Expat tip: travel insurance is not health insurance. Our policies will not cover you for ongoing care. Your employer or host should take care of your medical cover.
Cover for your tech
If you’re living and working abroad, your tech is your lifeline. Whether you’re plugging into your social network or surfing remotely from a shared workspace, we can help protect your laptop, smart phones, devices and other personal items and baggage, up to certain limits and depending on the plan you choose. For more information on how to cover your tech gear read our Help Center FAQ.
Expat tip: keep a copy of receipts for your electronics as you will need them in the event of a claim.
What’s not covered
Travel insurance isn’t designed to cover everything so make sure you read the Policy Wording for what is and isn’t covered. That way there are no surprises if you need to use it.
Some of the main things that aren’t covered include:
- Any pre-existing medical condition
- Where care is available under any Reciprocal Health Care Agreement
- Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State.
- Some types of work and duties such as working at heights, operating machinery, working offshore and underground, and working with dangerous animals.
- Participation in any adventure sports, activities, work, study or volunteer experiences where you don’t select the appropriate upgrade or where it is specifically excluded
- Anything else that’s listed in the General Exclusions and specific section exclusions in the Policy Wording.
FAQ's
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What documentation do I need to provide if I need to make a claim?
Documentation can differ depending on what you’re claiming however keep copies of every expense, bill, invoice and report.
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How long can I be covered for?
The maximum duration available for any policy, including extensions, is 12 months from the start date. If you need cover beyond 12 months, you can buy a new policy.
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 Wording 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.
This isn't health insurance!
Expats must be aware this is travel insurance not health insurance.
This means it will not cover you for ongoing medical care. It also excludes many pre-existing conditions as well as any medical treatment that is not considered necessary by our medical specialists. If you’re not sure if you’ll be covered for something, contact us and we can help.
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 teamTravel Insurance for Expats.
Working overseas? Get travel insurance for your holidays.
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To be eligible to purchase travel insurance as a resident of either Germany, Denmark, Belgium or the Netherlands, your home address:
- Must be in your country of residence
- Must be your principal, permanent, residential address, where you have lived during the 12 months prior to buying your policy
Where a traveller has not lived in their country of residence in the 12 months prior to purchasing travel insurance, they are not eligible, unfortunately.
While it is not necessary to have lived at this address for the entire 12 months prior to purchase, a traveller must have resided there at some point in the 12 months.
However, our travel insurance is available to these nationalities already travelling outside their country of residence where the eligibility criteria are met. Our flexible travel insurance can be purchased online in minutes, using your debit/credit card. However waiting periods may apply, so please check the policy wording before purchasing.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
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 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 Dental?
Learn how travel insurance may cover emergency dental treatment abroad.
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As featured in:
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.
Having insurance to cover some dental incidents can mean the difference between a taste adventure or a disaster. That’s why we offer travellers some cover for dental treatment just in case you happen to indulge in some tasty food but which may leave a bad taste in your mouth if you chip a tooth or you get an infection.
Whether you’re sampling the ktefa in Morocco or taking the durian challenge in Thailand, sudden and serious pain in your teeth can stop you in your tracks.
What’s covered?
All of our plans can cover emergency dental treatment abroad if you urgently need to see a dentist for the immediate relief of sudden and acute pain while travelling such as if:
- You get an unexpected infection
- You've broken your tooth
If you’re experiencing tooth pain, contact our 24/7 Emergency Medical Assistance Team who will help you locate a qualified dentist nearby.
What’s not covered?
Travel insurance isn’t designed to cover everything. Common dental claims we see where there's no cover include:
- Dental work other than that related to emergency dental pain relief
- Cosmetic dentistry or whitening
- Pre-existing dental problems as explained in your policy wording
- Major dental work, such as crowns, dentures, bridges and implants
- Any dental treatment after your return to your country of residence
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
How to get dental assistance
If you're in a serious accident, it’s essential that you get in contact with our 24/7 Emergency Medical Assistance teams as soon as possible so that our teams can support you.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
If you've already visited a dentist and received emergency treatment, you can submit your claim online.
Tooth Erosion.
I had a sudden tooth ache and sensitivity in my tooth and suspected I had a cavity. I went to a dentist who did a visual examination and decided there was erosion on the tooth which caused the pain and sensitivity. He did a filling for the area that fixed the problem.
Finnish 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 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
- 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 dental insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I pay upfront or does World Nomads?
You should pay the dental bills yourself then make a claim online once all your treatment is finished.
-
What do I need to do if I need a dentist?
Call the Emergency Medical Assistance team for advice on your dental condition or if you need directions to the nearest or most suitable dentist or medical facility.
-
Am I covered for cosmetic dentistry?
No. There's no cover for cosmetic dentistry.
Travel Insurance for Stolen or Lost Credit Cards
When your cards get stolen or lost and you need a replacement.
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Your money is your lifeline when you’re traveling. So when your credit card is stolen it’s not just inconvenient… it’s seriously upsetting and potentially devastating to your travel plans.
Getting a replacement card back fast is super important. That’s why as long as you were looking after your credit cards and didn’t just forget them at the restaurant, World Nomads will do all we can to help you get your replacement cards fast.
How does travel insurance cover stolen credit cards?
Credit Card Travel insurance can help with the costs of replacing your credit card. This may include:
- The cost of replacing your credit card
- Necessary transportation charges to get to and from any authorities to report the stolen card or collect a replacement card
- Any applicable fees
What’s not covered by travel insurance for credit cards?
We won’t cover any fraudulent purchases made on your credit card. We recommend you always keep the contact numbers of your financial institution handy so you can call them to cancel the card and prevent any fraudulent activity on it should your cards be stolen. We also won’t cover:
- If your card gets skimmed
- If your card gets stolen without you having noticed it while occurring
- Costs related to the time involved in replacing your credit card
- Credit cards if left unsupervised such as if you left it behind somewhere, mislaid it or if you don’t take reasonable care to protect it
This is not a full list of what's not covered. Make sure you read your policy wording so that you know what exclusions apply.
What do I do if my credit card is stolen?
If you’re unsure of what to do when your credit card is stolen it’s a good idea to start with reporting it to your financial institution, the local authorities such as the police and if it was stolen when you were traveling on transport, then you should also report it to the relevant carrier.
You will need to make sure get a written report from the police authorities and if applicable, the common carrier, before you make a claim with us. Please, note that excess applicable and cover may vary according to the plan you have purchased.
Gang theft.
On October 8, 2013, I was trying to go back home by taxi. But I had to change taxi and walk for 30meter to get next taxi. It was little dark 7pm. At the time, I was sorrounded by 3 or 4 men. A man choked me and another guy tore off my small bag, and they ran away. There were a camera, passport, watch, wallet with 300 rand and credit card, cellphone, USB Internet modem and so on. I explained to taxi driver and he helped me to bring home without pay. And my house owner helped me to go to police station and explained everything.
Claim Paid: USD $780
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 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 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)
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.
-
Is there an excess if I need to claim for a stolen credit card?
Yes, there is an excess for stolen credit card claims. Check your policy to find out what's applicable.
-
Can I get a cash advance until my new credit card arrives?
No, none of our insurers will organise a cash advance for you.
-
Can you help me put a stop on my credit card?
You'll need to do this yourself or organise a family member to do it for you.
-
Why won't you cover me if my card is skimmed?
Your bank should have security measure in place to help you with that.
