Photo © Pierre-Luc Bernier/IStock

Travel Insurance for Trip Cancellation

Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.

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  • As featured in:

For information relating to policies purchased prior to June 27 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from June 27 2024, please see below.

Cancellation insurance is there for when life throws you a curve ball, making sure you’re not out of pocket if you’ve had to put your journey on hold.

From jury duty to an unexpected illness or redundancy, there are many reasons why you may have to stay put instead of taking a cooking class in Chiang Mai… even if that’s the last place you want to be.

What’s covered by Cancellation insurance?

As long as you haven’t left your home yet, we may cover you if you have to cancel your trip under certain circumstances like:

  • You oran immediate relative or a traveling companion is injured, gets a serious illness or dies.
  • You are unexpectedly called to do jury service or appear in court as a witness (but not as an expert witness).
  • You’re made redundant.
  • Your home is damaged and unsafe to leave (as confirmed by an emergency service) within 7 days of the start of your trip.  
  • There’s been a theft of travel documents from your home within 7 days of your trip start date and you are unable to replace them before leaving.

In addition, travelers with the Explorer Plan may be covered if the Foreign Ministry of your Country of Residence advise agianst all or all but essential travel for your intended destination.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Trip Disruption section of our policy, there is an exception around Covid-19.    

You may have some cover for trip cancellation events which are outside of your control and caused by:

  • You are certified as too ill to travel due to COVID-19 by a medical practitioner. 
  • An immediate relative in your country of residence being hospitalised or dying due to coronavirus.

Our article What’s covered for Coronavirus explains the benefits available if you get COVID-19 and need urgent assistance.

What’s not covered by travel insurance?

There are a number of things you’re not covered for if you cancel your trip. These include but are not limited to:

  • Pre-existing medical conditions as explained in the policy wording.
  • The policy excess.
  • Additional costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip.
  • Costs recoverable from elsewhere.
  • Costs incurred by or on behalf of traveling party members who are not on the Certificate of Insurance.

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.




Be prepared if you need to claim for cancellation.

Depending on your claim, you'll need copies of:

  • Receipts
  • Itineraries
  • Doctors/death certificates
  • Medical history 
  • Written documentation from the travel provider of reason for cancellation and any refunds

Wife's accident cancels Kili.

I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
Claim Paid: USD $1,536.33
S.K. Norwegian 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 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

Photo © Getty Images/Petar Chernaev

Buy Travel Insurance Away from Home

Get covered by World Nomads, even if you're already on the road

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This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders. 

If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.

We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.

If you buy a policy while traveling, you'll have to wait up to 72 hours for full cover to apply. However, you can be covered straight away if you're injured in an accident after you buy a policy. Your policy wording will have full details to understand the cover, limits and exclusions.

  • Buy while traveling
  • Get cover 24/7 online
  • Instant confirmation
  • Ongoing traveler support
  • 24/7 Emergency Assistance

Waiting periods apply

Left home without travel insurance?

Learn more about how to buy travel insurance.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team. 

Photo © Getty Images / lechatnoir

Travel Insurance for Assault

Get the medical treatment you need in the unfortunate event you've been attacked.

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  • As featured in:

Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travelers. While some destinations have higher incidents than others, no destination is immune.

To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.

Our Emergency assistance teams have extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.

Does travel insurance cover assault?

If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:

  • Hospitalisation
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary

Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick a policy that’s best for you.

Does travel insurance cover counselling following assault?

Country of residenceCover for counselling
Australia Explorer plan only.
Brazil
Canada
Ireland Explorer plan only.
New Zealand Explorer plan only.
United Kingdom Explorer plan only.
USA
All other countries

What's not covered by travel insurance?

If you pick a fight and end up coming out worse for wear, there's a pretty good chance you won't be covered because of needless risk and stupidity.

There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.

What do I do if I’m assaulted overseas?

It’s essential that you get in contact with our emergency assistance teams as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly

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

Assault while jogging.

During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Y. Suleimenova
Kazakhstani traveler in Australia.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

  • What happens if I'm injured and need life support?
    That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at the best possible solution to either get you home, or get your family over there to say goodbye.
  • Can my mum come and get me?
    Yes, in some situations we can send your mum over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Photo © Getty Images / lechatnoir

Travel Insurance for Assault

Get the medical treatment you need after being attacked.

    As featured in:

  • 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.

Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travellers.  That's why we're here to help you. While some destinations have higher incidents of assault than others, no destination is immune. 

To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult. 

If you're unsure what to do, call our 24/7 Emergency Medical Assistance Team and they'll be able to guide you. Our Emergency Assistance Team has extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.

Does travel insurance cover assault?

If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary
  • Counselling services abroad from a psychiatrist or registered counsellor  

What's not covered by travel insurance?

Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk.

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.

What do I do if I’m assaulted overseas?

It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly

So that our Emergency Medical Assistance Team 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

Assault while jogging.

During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Y. Suleimenova
Kazakhstani traveler in Australia.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

  • Can my mum come and get me?
    Yes, in some situations we can send your mum or an immediate family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.

Worldwide 24 hour Emergency Medical Assistance for Europeans

Wherever you are, we’re there to help!

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Emergency Assistance for travellers from the European Economic Area (EEA)

For policies purchased on or after 27 June 2024: 

Emergency Medical Assistance: 24 hours, 7 days a week 

Email:worldnomads.assist@collinsoninsurance.com 

Country of residence

Phone

Belgium

+44 (0) 144 444 2015 

Denmark

+44 (0) 144 444 2017

Germany

+44 (0) 144 444 2018

Netherlands

+44 (0) 144 444 2019


For policies purchased before 27 June 2024:

Contact our 24/7 Emergency Assistance team.

Emergency Medical Assistance: 24 hours, 7 days a week 

Email: worldnomadsassist@axa-assistance.com 

Country of residence

Phone

Belgium

+32 (0)2 808 66 32

Denmark

+45 89 87 30 23 

Germany

+49 (0)335 5622 3012 

Netherlands

+31 (0)20 8080731


Email: worldnomadsassist@axa-assistance.com 

Not European? Find the right Emergency Assistance team by changing your Country of Residence

Be prepared.

So that our 24/7 Emergency Medical 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
  • Prescribed medication (if any)

How does my travel insurance policy help me in an emergency?

Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.

Bitten by a tick in Colombia

I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
Claim Paid: USD $1,134.17
A.B. Norwegian Nomad in Colombia.
Photo © Getty Images

Travel Insurance for Trip Cancellation

Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.

    As featured in:

  • As featured in:

Trip Cancellation Travel Insurance: At a Glance

  • Covers prepaid, non-refundable travel costs if your trip is cancelled for insured reasons
  • May cover cancellation due to sudden illness, injury or death
  • Natural disasters, severe weather and strikes may be covered
  • Covers cancellation if a travelling companion becomes seriously ill
  • May apply if your employer cancels approved leave or makes you redundant
  • Benefits depend on your policy plan, country of residence, and cancellation limits
  • Claims require evidence like receipts, bookings and cancellation notices
  • Always check the PDS for full terms, conditions, limits and exclusions.

Sometimes travel plans change in the blink of an eye. It could be an unexpected illness or injury to natural disasters or sudden strikes; trip cancellations can happen for many reasons. Having travel insurance cover for trip cancellation may help recover some of your prepaid, non-refundable costs if an insured event ruins your trip.

Here’s how World Nomads travel insurance may help Kiwi travellers planning their next holiday.

What can World Nomads travel insurance cover if I need to cancel?

If you need to cancel or reschedule your trip due to specific insured events, then you may be covered for up to 14 specific insured events including, sudden illness or injury, or a natural disaster. For example:

  • Your sudden death, sudden illness, or serious injury, or the sudden death, sudden illness or serious injury of your close relative requiring hospitalisation
  • The sudden death, sudden illness or serious injury of a member of your travelling party
  • Your transport is cancelled or delayed because of severe weather, natural disaster, or strike
  • You're made redundant or your employer cancels your pre-arranged leave.

If your claim is approved, you may be reimbursed up to policy limits for prepaid, non-refundable travel expenses such as flights, accommodation, tours or activities.

Important: The amount covered for cancellation depends on whether you have purchased the Standard or Explorer Plan.

What you need to do if you can’t travel anymore

If your trip is cancelled, you’ll need to:

  • Contact your travel provider and let them know you are cancelling as soon as possible. Try to seek a refund from them first before making a claim.
  • You can contact the emergency assistance team for help 24/7.

When lodging a claim:

  • You’ll need to submit supporting evidence - for example, booking confirmations, receipts, or cancellation notices from your airline or tour company.
  • You can start a claim or contact us via the World Nomads member portal.

Cancellation coverage starts from the date your Certificate of Insurance is issued (or 72 hours after if you buy travel insurance while already overseas). Only events that occur after that date are considered.

What’s not covered by travel insurance?

Our travel insurance plans don’t cover everything. Some of the things we can’t cover you for include:

  • Cancelling because you changed your plans or no longer wish to travel
  • The event was foreseeable and a known event when you purchased your policy
  • Not following government travel advice or warnings. To find out the latest government advice go to the SafeTravel website
  • Claims relating to existing medical conditions except as described in ‘Health conditions & your policy.’
  • Not providing the documentation required to support your claim.

This is not a full list of what's covered and not covered. Terms, conditions, limits, exclusions apply, please read your Policy Document carefully and contact us if you have any questions.

Travel tips for Kiwis

  • Keep copies of all bookings, receipts, and travel documents
  • Your travel insurance cancellation policy must be active before the event occurs
  • Contact your airline or tour operator first, as they may offer refunds or credits before you lodge a claim.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

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

FAQs: Trip cancellation cover for New Zealand travellers

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

  • Do I need to provide receipts?
    When cancelling or rescheduling your trip you will need to provide evidence of purchases and cancellation/rescheduling. If you can’t provide associated receipts your claim may be denied. Read your Policy Document to ensure you’re familiar with claim requirements.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Are you, your family sick, injured or deceased?
  • Has one of your relatives died?
  • Has a bushfire damaged your home?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech Trashed?

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Simone Becchetti/Stocksy

Travel insurance for pregnancy

Learn what is and isn't covered by travel insurance if you're pregnant.

    As featured in:

  • As featured in:

For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

This shouldn't need saying, but just in case, here it is: Talk to your doctor about your travel plans. Listen to what they say.

Have that conversation before you buy insurance or even book your flights.

While pregnancy is not considered an existing medical condition, there are limits and restrictions on how and when we cover pregnancy, so it's good to be informed before you start planning your trip.

What does travel insurance cover when you're pregnant?

The most important thing to know is this: If you fell pregnant before you bought your insurance or fall pregnant afterwards, cover may be available for a pregnancy related illness that occurs up to the end of the 26 week of your pregnancy. Also, you can’t have a history of any complications with any previous pregnancy.

If you meet the above criteria and suddenly something medical happens to you while you're overseas, being pregnant won't change your cover. When looking at whether you should continue travelling after your illness or injury, our 24/7 Emergency Assistance team will take the pregnancy into account.

What's not covered

Aside from a pregnancy not falling within the above guidelines, we also won't cover any childbirth, antenatal care or newborn care costs, regardless of whether we're covering the pregnancy itself. We won't cover a loss arising from pregnancy-related illness after the 26th week of gestation.

We also won't cover you if your medical practitioner told you not to travel, nor will we cover you for any routine check-ups.

If you're thinking about getting pregnant, please know that we don't cover any costs relating to fertility treatment, either. These restrictions also apply to members of your travelling party and close relatives.

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.

How to get assistance if you're sick or injured while pregnant. 

It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.

So that our 24/7 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

Threatened miscarriage

Emma began experiencing intensely painful stomach cramps in our hotel room at the Ohana Waikiki West, Honolulu, Hawaii. No 24 hour doctors were available, so we took a taxi cab instead of ambulance, which hotel security offered to arrange to nearest hospital (Straub). Hotel security also took notes of these events. After assessment in the emergency department, the diagnosis was a threatened miscarriage (not aware of being pregnant, hospital staff estimated Emma at 7weeks pregnant at the time). Medication was given for pain relief, blood tests taken and an ultrasound performed. Emma was discharged and was requested to have another blood test on the following Monday and referral to a local Doctor for a follow-up appointment. Emma spoke to Doctor on phone about results of blood test and further information instead of visiting him as it would have been the morning we were flying back to New Zealand.
Claim paid: USD $5571.75
Kiwi Nomad in Hawaii.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

Photo © Lumina Images/IStock

Travel Insurance for Stolen or Damaged Baggage

If your gear has been stolen or damaged, here's how we can help.

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Protect your belongings with World Nomads Travel Insurance

With multiple bags, valuables, and essential documents in tow, the last thing you want is to deal with lost, stolen, or damaged luggage. In fact, nearly half of all travel insurance claims involve mishaps with baggage and personal effects.

Whether you’re carrying expensive sports gear, a designer outfit for a destination wedding, or just your everyday essentials, World Nomads travel insurance offers coverage for theft, loss, or damage of your luggage and personal effects.

How can travel insurance help if my belongings are stolen or damaged?

Your Policy Document will have very specific limits, both on the total value of the luggage covered, and on individual items. If there're some items you're bringing that exceed those limits, specify them when you get a travel insurance quote.

We offer cover for the following:

  • Stolen or accidentally damaged belongings.
  • If your belongings are stolen, lost of 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 terms, conditions, limitations and exclusions on how cover applies. For example, we won't cover your electronics or jewellery if you check them into an airline. Read the Policy Document so there are no surprises. 

How to report your lost or missing bags and valuables in 4 easy steps

1. Report it

Your first move should be to report it, ASAP. Who you report it to depends on your circumstances. Here are some of the most common situations: 

If your luggage has been lost or stolen on public transport:

  • Report the incident to the tur operator or public transport provider and request written evidence, like a Property Irregularity Report (PIR).
  • Gather any relevant tickets, luggage checks, and other documents.
  • Confirm how the transport company will compensate you—get it in writing.

If your luggage has been lost or stolen from your airline or accommodation provider

  • Report it immediately to the carrier or accommodation provider and request written confirmation of the incident from the carrier or the accommodation provider, along with details of any compensation.

If your luggage has been lost or stolen on a tour or at a public venue (e.g. airport, museum, sports stadium)

  • Let your tour operator, venue management, or security know right away. Ask for written confirmation of the loss or theft and details of any compensation offered.

If your situation is not listed get in contact and we can help.

2. Notify the police

File a police report—this step is non-negotiable because your potential insurance claim hinges on it. Head to the nearest police station and make sure you get a copy of the report or at least a reference number.

3. Track and block your phone, tablet and credit cards

Contact your provider to block the service and get written confirmation. And don’t forget to call your bank to block any stolen cards ASAP.

If you have an iPhone, try using the Find My iPhone feature. If you have a Samsung, use the Find My Mobile feature to pinpoint your device’s location on a map.

4. Keep all receipts and paperwork

Hold onto every bit of paperwork—receipts for emergency buys, itineraries, booking and cancellation confirmations for any affected travel arrangements. If you don’t do this, we may reduce or reject your claim.

What’s not covered by travel insurance

Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:

  • Anything you leave behind, walk away from or simply misplace or forget.
  • If your credit cards are skimmed.
  • Leaving your gear in an unlocked car overnight.
  • Leaving your valuables unsecured in a shared hostel room.

Travel safety tips before you leave New Zealand

  • Add a distinctive, trackable security tag with your contact info (minus your home address) to make your luggage easier to spot and recover if it goes missing.
  • Be proactive and install tracking apps on your devices before travelling abroad.
  • Scan copies of all your documents and store them in your phone before you leave New Zealand.
  • Grab a travel insurance quote here.

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.

This is not a full list of what's covered and not covered. There are terms and conditions, limitations and exclusions that apply. For more information check out our FAQ article on baggage cover and personal effects and read your Policy Document carefully before you buy.

Dodgy Taxi Driver.

After arriving in Jordan I was approached by a man claiming to be a taxi driver. He showed me where an ATM was to get out some Jordanian dollars and then took me to his car. After a white knuckle drive to my hostel I hopped out and he grabbed my baggage and chucked it at me and left straight away. When I got into my hostel I realised my camera bag was missing with my camera, storage drive and Jordanian dollars. I filed a report with the police but they have been unable locate the camera and the taxi companies seem to think this man was in fact an opportunist as the have no record of him.
Claim paid: NZD $238.6
Kiwi Nomad in Jordan.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about 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.

  • If the airlines 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 to you or offered to you, your receipts and a copy of your itinerary.
  • Do my items get depreciated?
    Yes they do. However, some policies let you pay an additional premium per item so insure them for the value you bought them (if it's under the limits).
Photo © Yulkapopkova/IStock

Does Travel Insurance Cover Dental?

Learn how travel insurance may cover emergency dental treatment abroad.

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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.

No one likes going to the dentist, and even less when it's not your regular dentist. But teeth can crack and infections can strike, regardless of where you are in the world. A pitted olive that wasn't; a very, very sticky caramel... it's the worst sort of surprise. World Nomads can help you out with emergency dental cover.

What does travel insurance cover for overseas dental? 

If something happens, we only offer cover for the immediate relief of sudden and acute onset of pain on healthy teeth and teeth with fillings. We may cover those teeth if you suddenly have:

  • A cracked or chipped tooth.
  • A dental infection.
  • Dental surgery resulting from an accident.

Cover is limited, and we may need to talk to your dentist back home to see what your teeth were like before you left. Just remember, the policy comes with a NZD$100 excess which will be deducted from your claim.

What's not covered

In short, pretty much anything that's not on the list above. Specifically, there are a few straight-up things we don't provide cover for:

  • Anything routine, or that can wait until you're home.
  • Major dental work such as but not limited to crowns, bridges, dental prostheses.
  • Dental expenses incurred while you’re in New Zealand. This policy doesn't replace private medical insurance or New Zealand's healthcare system.
  • Getting your teeth straightened.
  • Cosmetic dentistry such as teeth whitening, implants, braces.
  • Dental problems you knew about before you bought the policy.

A lot of the time, our cover will be limited to patching the problem, such as a temporary filling, a pain-relieving injection, that sort of thing. The big stuff will have to wait until you get home.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

How to get dental assistance

It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our teams can support you from the time your fall sick of get injured until the time you get home.

So that our 24/7 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

White water rafting accident.

While on a white water rafting tour I broke my two front teeth. This happened when I lost balance while going over a rapid, resulting in the back of my paddle hitting my mouth and breaking the lower half of my right front tooth and leaving a smaller fracture in the left front tooth. Immediately following the tour the guide assisted me in finding a local dentistry where I could get the emergency treatment for the pain and to repair the teeth. Because of the damage to the right front tooth it required a full crown, while the crack in the left tooth could be repaired with a veneer. This was a temporary repair and long term it was also recommended that I may also need a root canal.
Claim paid: AUD $500
Kiwi Nomad in Ecuador.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech Trashed?

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

Photo © Photo Kanarys/IStock

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 You May Need Scuba Diving Travel Insurance for Your Next Dive

Temporarily escaping the UK in search of the world’s most stunning underwater landscapes? Whether you’re exploring the vibrant coral reefs of the Maldives or descending into the depths of Australia’s Great Barrier Reef, you’re bound to have a blast!

Before you take the plunge (pun intended), you may want to do a little preparation…just in case. Travel insurance for scuba diving not only covers the unexpected – like medical emergencies or equipment loss – but also ensures you’re protected for activities down in the blue depths.

What am I covered for when scuba diving?

Scuba diving is a mind-blowing experience that takes you into a whole new realm. Whether you're exploring the vibrant coral reefs of Hawaii, diving deep in the Red Sea's Sharm El Sheikh, or discovering the awe-inspiring Yongala wreck on Australia's Great Barrier Reef, we want you to enjoy every moment worry-free.

Our travel insurance plans offer cover for various scuba diving experiences, including:

  • Recreational Scuba Diving: Go up to 30 meters deep and discover the hidden treasures beneath the waves.
  • Learn-to-Dive Courses and Discover Scuba Dives: Take the plunge with qualified instructors who will guide you through your first underwater adventures.
  • Shark Cage Diving: Get up close and personal with these incredible creatures, feeling the adrenaline rush as you witness them in their natural habitat.
  • Snorkelling, Island Escapes, and Live-Aboard Trips: Dive into the crystal-clear waters, explore stunning coral reefs, and embark on unforgettable underwater journeys.
  • Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses.
  • Overseas emergency medical assistance: exploring the world through a scuba diving lens can be a great experience, but not if it ends in illness (ever experienced decompression sickness?) or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while abroad.
  • Air Doctor: have a medical issue that doesn’t require a hospital but does require a doctor (preferably one that speaks your language?). With World Nomads, you can access our worldwide online registry of doctors from the comfort of your hotel room abroad, without having to step foot in an E.R.
  • SmartDelay: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more.
  • Family cover: Cover for your family and emergency medical expenses incurred overseas including emergency dental, on both Standard and Explorer plans.
  • Delayed baggage: It can be a pain, however, if it’s been 24 hours and there’s no sign of your bags yet, insurance may cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo.
  • And much more…

Planning to participate in some other thrilling pursuits while abroad? World Nomads covers Brits for more than 150 sports and activities while traveling. Just make sure you pre-plan and select any and all activities you’ll be participating in, when you get your quote.

Buying the right level of cover

World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan. These plans both offer cover for expenses in connection with hospitalisation, lost luggage, repatriation, and more. However, the Explorer Plan provides a more comprehensive policy offering higher limits.

When selecting your scuba diving travel insurance, it's important to consider the activities you'll be doing during your trip. Here's what you need to know:

  • If you plan to go scuba diving at least once, consider the type of diving you'll be doing, including the maximum depth and whether you need to be certified. These factors can impact your coverage.
  • Our policy covers conventional scuba diving only. To scuba dive without an instructor, you must hold a current certification from recognised organisations like Professional Association of Diving Instructors (P.A.D.I.), British Sub Aqua Club (S.A.C.), Sub Aqua Association (SAA), Confederation Mondiale Des Activites Subaquatiques (M.A.S.), or an equivalent internationally recognised qualification.
  • Remember, scuba diving requires training and precautions to ensure your safety. If you don't have a recognised qualification, dive only under the constant supervision of a certified instructor and always follow their rules and instructions.

Note: Read your policy wording for details on maximum benefit limits, exclusions and terms and conditions of your coverage.

Scuba Diving Abroad: Single Trip or Annual Multi-Trip Insurance?

World Nomads offers you the flexibility to choose between two plan options: Annual Multi-Trip and a Single Trip policy.

  • Single Trip: Are you heading out just once this year? Perhaps a Single Trip policy will be your best bet.
  • Annual Multi Trip: Are you a travelling adrenaline junky with a diving itch that requires a frequent scratch? Maybe consider saving yourself some time (and possibly money) by purchasing an Annual Multi-Trip Insurance policy. Did someone say scuba diving in Croatia in the summer, and Maldives in the winter?

Protecting your scuba diving gear

We know that scuba diving equipment doesn't come cheap. That's why we offer cover for high-value items such as scuba tanks, fins, BCDs, regulators, and underwater film and photography equipment. Though we don’t cover sports equipment while it’s in use, it can still be exposed to damage or loss. 

In case of delay, loss, or damage to your baggage and scuba diving equipment by a common carrier, follow these steps:

  1. Report the incident to a responsible officer of the carrier as soon as possible.
  2. Obtain a Property Irregularity Report or a similar official report in writing.
  3. Make a claim directly with the carrier before filing a claim with us.

Please refer to your policy wording for details on maximum benefit limits, exclusions, and conditions related to your coverage.

What's not covered

While we've got your back during your scuba diving adventures, there are a few things we won't cover. Make sure you avoid the following:

  • Scuba diving while under the influence of alcohol or drugs (safety first guys – the open oceans are no place to be cavalier)
  • Competitive scuba diving or search and rescue costs
  • Scuba diving / cage diving: deeper than 30 metres
  • Refusal of repatriation or evacuation
  • Engaging in reckless behaviour
  • Ignoring your doctor's instructions or advice from our 24/7 Emergency Assistance team
  • Expenses related to pre-existing medical conditions, as explained in the policy wording
  • Expenses that can be recovered from another source
  • Exceeding the benefit limits and sub limits set out in the policy wording
  • Sporting equipment while in use

Please note that this is just a summary of cover, and it's essential to read your policy wording in full to understand the complete terms, conditions, limits, and exclusions. If you're unsure about your travel insurance cover, our customer service team is here to assist you.

Key tips when going scuba diving:

  • Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval.
  • Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers.
  • Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
  • Don't fly for at least 24 hours after scuba diving. The aircraft's pressurised environment can trigger decompression sickness if you still have excess nitrogen in your system.
  • Make sure you have the right level of scuba diving travel insurance and that the kind of diving you plan to do is fully covered.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

  • Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
    It will depend on the situation at the time of the medical emergency! Should you require hospitalization and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you do not have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.