Travel Insurance for European Residents
Simple and flexible trip insurance for international travel. Buy and claim from anywhere in the world.
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World Nomads Travel Insurance
Travel insurance for independent travellers and their families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.World Nomads travel insurance has been designed by travellers for travellers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.
A true claim story
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Injured abroad?
- Need to get to hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost by a carrier?
- 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 teamFAQ
Here are our most frequently asked questions. You can also visit our help center for more answers.
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Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
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Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
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Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
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Can I buy travel insurance if I'm already overseas?
Yes - If you're a resident of Belgium, Denmark, Germany or the Netherlands then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Buy Travel Insurance Away from Home.
Get covered by World Nomads, even if you're already on the road.
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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, waiting periods, conditions and restrictions on cover do apply. This means you may have to wait up to 72 hours for full cover to apply and certain benefits (like pre-trip cancellation) may not apply as you’ve already left your home country.
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
Malaria at Christmas.
In the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A. G. Brazilian Nomad in Zambia.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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What’s covered if I’m (or someone else is) pregnant?
For Canadians, World Nomads Travel Insurance covers sudden and unexpected pregnancy complications, accidental injuries or sudden illnesses for expectant mothers in the first 31 weeks of your pregnancy.
Pre-trip cancellation before you leave home
Non-refundable expenses if you’re unfit to travel (as certified by a doctor) or your travel companion or immediate family member is seriously injured or suddenly and unexpectedly sick and you must cancel your trip. unable to travel for medical reasons.
Emergency medical expenses while outside your home province
- Emergency medical treatment
- Hospitalization
- Ambulance transport
- Transport to get you home for ongoing treatment (if medically required)
- 24/7 emergency assistance
What’s not covered for pregnancies
- Routine pre-natal care or checkups e.g. ultrasounds and blood tests
- Childbirth
- Any pregnancy-related medical issues within nine weeks before or any time after the expected due date (31 weeks or more)
- Any pre-existing conditions
- Fertility treatments
- Expenses in your home province
- If you simply change your mind to travel
This is not a full list of what's covered and what's not covered. For more information, check out our article on pregnancy and read your plan carefully for the complete description of the benefits, terms, conditions, limitations and exclusions of your insurance coverage.
Give back when you travel
When you buy a World Nomads policy, you can support vital community development projects worldwide including maternal health and education projects with a micro-donation to the Footprints Network.
How to get emergency assistance
It’s essential that you get in contact with our Emergency Assistance team as soon as possible so that you can get support.
Please be ready with the following:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
Unable to travel in the first trimester
I unexpectedly became pregnant towards the end of November. I was planning on still going on the trip until my doctor diagnosed me with Hyperemesis Gravidarum. They recommend not leaving the country due to these complications in the first trimester of pregnancy.
M.McClendon. U.S 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
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about 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.
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If I decide to return home during my trip, is there cover for those expenses?
Sorry, there's no cover if you simply change your mind.
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If I fall pregnant before my trip, can I cancel?
The policy doesn’t cover cancellation for changing your mind. If you have complications with your pregnancy after you buy your policy and before your trip, World Nomads can help.
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Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing conditions or complications.
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Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies cover pregnancy up to 31 weeks. .
Family travel insurance for Canadians
Toddlers or teens in tow? World Nomads covers up to 7 dependents
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So you’re travelling with tots and teens in tow? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age – which is why we can cover your entire brood as additions to your family plan. Be sure to list them as dependents when you buy your travel insurance.
What does your coverage offer?
Under the Standard and Explorer Plans, World Nomads offers coverage that’s suitable for families:
- Emergency medical treatment
- Emergency medical evacuation
- Trip cancellation, Trip interruption and Trip delay
- Baggage loss/theft and Baggage delay
- A wide variety of adventure activities (Additional premiums may apply, depending on your activity choices.)
As a Canadian Nomad, your plan also gives you (and your family) access to:
- A 24/7 Emergency Assistance team that provides local information and help accessing nearby medical facilities
- Safety information to help plan your trip
- Travel guides and videos for inspiration
What counts as a dependent?
Dependent children are unmarried and rely on you for support, and are at the time the insurance is purchased:
- Under 21 years of age; or
- Full-time students under 25 years of age; or
- Mentally or physically incapable of self-support, at any age.
- Foster children must be under your legal guardianship and reside at your address.
- Dependents must also be travelling on the same itinerary as you to be on the same policy.
Are dependents covered at the same limits as adults?
Yep – no need to worry! Travel insurance isn’t like going to restaurant and ordering kid-sized meals with smaller portions. Your children are covered up to the same limits even though they are travelling under your wing .
Got another question? Just ask World Nomads or contact our customer service team.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
How do I buy a family travel insurance policy?
All you need to do is enter a few details about yourself and your holiday as well as the ages of all your family members and we will automatically generate a quote for a family travel insurance policy with both Standard and Explorer options.
Once you’ve selected the right level of coverage and paid the premium, you will get an instant confirmation of coverage and policy wording sent directly to your email. You must read the policy to ensure you understand the coverage.
Monkey Bite
While visiting the Monkey Forest in Bali, I was bitten by a monkey. After returning to the hotel, I visited a local doctor. I received the first rabies vaccination and then went to the International SOS office in Bali for an examination. There, I received a second rabies shot followed by immunoglobin shots.
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?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need prescription meds?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need to get to a hospital urgently?
- You or a family member deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when going scuba diving or snorkelling.
Scuba diving tips for your underwater adventure.
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Looking to escape the cold of Canada? How does exploring the underwater wonders of the Caribbean's colourful reefs sound? Or, perhaps, diving into the crystal-clear waters of Southeast Asia? Maybe even diving into the wrecks of the Mediterranean? Whatever the destination, there’s no doubt scuba diving offers an unforgettable experience.
Before you dive into the deep end (literally), it’s important to be prepared. From understanding the local dive conditions to purchasing the appropriate scuba diving travel insurance, being ready for your international diving escapade can make all the difference.
- What types of dives are covered?
- What does scuba diving travel insurance cover?
- What’s not covered by scuba diving travel insurance?
- Scuba diving tips
What types of dives are covered?
As passionate divers ourselves, we’ve designed our scuba diving travel insurance plans to cover dives from the Great Blue Hole to The Yongala, and we can offer coverage for:
- Recreational scuba diving, including cavern diving, up to 30 metres.
- Recreational scuba diving, including cavern diving, up to 40 metres, with payment of an additional premium.
- Discover or “learn to dive” scuba dives with a qualified instructor.
- Scuba diving as a paid or volunteer instructor or guide, with the payment of an additional premium.
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres).
Special conditions and exclusions may apply. Divers must hold a valid SCUBA diving certification (PADI, SSI or BSAC or equivalent) and follow the relevant association rules and guidelines at all times. Learners must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
If you’re not sure whether something is covered, contact us.
What does scuba diving travel insurance cover?
At World Nomads we offer two travel insurance plans – Standard and Explorer – each with different levels of coverage for scuba diving, snorkelling, and 250 other activities. When you get a quote, you can compare the plans side by side and decide which has the right level of coverage to meet your needs.
When you buy your travel insurance policy, you’ll need to list the activities you plan to participate in while travelling. Level 1 activities – such as scuba diving up to 30 metres – are automatically covered. Level 2 and Level 3 activities – like diving up to 40 metres – require an additional premium. World Nomads offers cover (up to the policy limits) for:
- Emergency medical: your health and safety are a priority when you’re exploring the ocean, which is why our plans cover emergency medical expenses should you become sick with decompression sickness, get into an accident or otherwise get hurt while diving or snorkelling. This can include use of a hyperbaric chamber, if deemed medically necessary
- Ambulance transportation and emergency evacuation: Dives that go wrong on reefs are not only unfortunate, they’re also costly – our scuba diving insurance includes coverage for ambulance transportation to the nearest qualified medica service provider and emergency medical evacuation (subject to approval from our 24/7 Emergency Assistance Team) to a hospital in your home province when your attending physician and our medical department recommend you return home for medical treatment.
- Baggage protection: Scuba diving gear isn’t cheap – World Nomads offers baggage protection with up to $3,000 coverage under the Explorer Plan and $1,000 with the Standard Plan for lost, stolen, or delayed items.
- Trip cancellation: if your dive trip is cancelled or interrupted due to an unforeseen event like a hurricane that results in Canadian Government travel advisory against travel to your dive destination, you may be able to recover your unused/additional travel expenses. This includes if your destination is deemed unsafe by a natural disaster.
Note: To be eligible for maximum emergency medical benefits, you must be covered under your GHIP for the entire duration of your policy. Without GHIP coverage during your trip, emergency medical benefits will be capped at $40,000 CAD.
What’s not covered by scuba diving travel insurance?
While we can offer coverage for a lot of scuba diving events, there are some things we don’t cover. These include, but are not limited to:
- Any scuba dive, including cavern diving, that takes you deeper than your current qualification limits, or any dive deeper than 40 metres.
- Any unaccompanied or solo dive, commercial scuba diving or cave diving.
- If you travel against medical advice or neglect to adhere to government of Canada "Do Not Travel” warnings issued prior to departure.
- Any pre-existing medical conditions unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or where you haven’t paid the required additional premium.
- Expenses you incur after you return to Canada.
Got a question? Reach out to us, we’re always here to help.
Scuba diving tips
Here’s some tips on how you can get the most out of your scuba diving trip, while also staying safe:
- Make sure you’re physically ready for scuba diving. Consider a medical check-up and obtain a 'fit to travel' approval from your doctor before diving.
- Before you plunge into the depths, give your gear a once-over to make sure everything’s in tip-top shape. Then, team up with your dive buddy for a thorough check – from tanks to regulators, ensure every piece is secure and dive-ready.
- For a dive that’s as safe as it is thrilling, stick with top-notch operators – choose companies that’re known for operating licenced, well-maintained sea-vessels, who only hire qualified dive instructors.
- Move slowly and calmly in with the underwater world – you’re more like to enjoy an up-close and personal experience with the marine residents when you blend in.
Ready to dive off the deep end?
Before you take the plunge, consider comparing our Standard and Explorer plans, or grabbing a quote. If you have any questions, contact us, our team is always here to help.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions about your coverage, just ask us.
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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How do I get to a medical centre if I’m injured underwater?
As soon as you’re able to, contact our emergency assistance team so that they can help to the care that you need.
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What if the airline damages my gear
If your diving gear is damaged by the airline, World Nomads may provide coverage for the cost to replace it. You’ll need to claim with your airline first, then provide the airline’s benefits report when you claim with us to make up the difference, up to the policy limits.
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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. If you require hospitalization and/or medical evacuation our emergency assistance team will work directly with the hospital and evacuation services on your behalf. They may be able to arrange direct payment with the medical provider. However, if the treatment you receive is from an urgent care facility or walk-in clinic, you most likely will have to pay out of pocket and claim for reimbursement.
Hiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for Canadians
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At a glance:
- World Nomads offers hiking and trekking travel insurance to help cover medical emergencies, gear loss, and trip cancellations.
- You can choose a plan and corresponding activity level based on your trek’s maximum elevation, with coverage available up to 6,000 metres.
- Our plans include emergency medical evacuation coverage if you get injured or sick while hiking in remote areas.
- We provide hiking gear protection if your equipment is stolen or accidentally damaged during your trip.
- If your trek is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Hiking and trekking travel insurance coverage
- What benefits are covered with hiking travel insurance?
- What may not be covered?
- Top tips for your hiking adventure
- FAQs
Whether you’re trekking to Base Camp or hiking a Canadian mountain range you may want to protect your adventure with World Nomads Travel Insurance. Our travel insurance plans include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia, peaks in Asia, or your local national park.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province, too.
Hiking and trekking travel insurance
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Standard & Explorer Plans
Hiking and trekking trips covered up to 3,000 metres -
Optional Extra
Hiking and trekking trips covered up to 6,000 metres
Plus, our plans include coverage for 250+ other activities you might do along the way, so you can explore confidently, wherever your backpack leads you. Get a quote and compare the plans to see which level of coverage is right for you.
What benefits are covered with hiking travel insurance?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Emergency medical expenses:if you fall and get hurt while hiking, you may need medical help. Our emergency medical coverage for illness or injury may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your injuries are severe, acute, or life-threatening our plans may cover emergency medical evacuation and transportation to a medical facility best suited for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
What may not be covered?
- Any alcohol related sickness, death or injury or the abuse of medication, drugs, alcohol or any other toxic substance.
- Travel within your home province
- Unattended baggage, sporting equipment or personal items.
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Hiking or trekking over 6,000 metres.
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a hiking travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quoteTop tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider asking a doctor before you leave about altitude medication or other helpful prescriptions you can take with you.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. 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 is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel insurance plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers two different plans, each with the opportunity to add additional activity coverage for higher risk activities. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travellers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse your prepaid, non-refundable trip costs if you cancel for a covered reason (like unexpected sickness or injury). Planning ahead means more protection. However, if you’re already on your trip, you can still purchase travel insurance (certain waiting periods may apply).
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency medical evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Emergency Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Medical evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for travel insurance coverage with World Nomads?
Yes, there are two different altitude maximums.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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Do I need travel insurance coverage for multi-day hiking trips?
Yes, you must purchase your travel insurance plan to cover the full duration of your trip outside of your home province.
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
High-altitude hiking: prepare and train
Travel insurance coverage for Asia
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for extended trips
Discover how World Nomads can protect US residents on long-term adventures.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What can travel insurance cover during a long trip
- Who might want to buy travel insurance for a long trip?
- How long can travel insurance cover me for?
- What if I don’t know how long I want to travel for?
- What's not covered?
Often the best adventures have no end date … that’s why World Nomads has designed flexible travel insurance policies for all types of travelers. If you're looking to travel for more than a week or two, we have travel insurance* that can keep US residents covered for up to 180 days on a single trip. We also offer an Annual travel insurance plan which can cover multiple trips per year, with each trip being up to 45 days in length.
What can travel insurance cover during a long trip?
Our plans come with loads of benefits, depending on the plan you buy. Whether you’re going on a long trip or a short trip, all of our plans may provide cover for:
- Trip cancellation and trip interruption if you get sick or injured at the last minute and need to make a change.
- Emergency medical expense reimbursement, which may cover an urgent visit to the doctor, medicine to help you get well, x-rays and hospital stays.
- Emergency medical evacuation if you get really sick and need to be transported somewhere with appropriate medical facilities or back to the US.
- Emergency repatriation if you need to be flown home to receive better care, or if a natural disaster or civil unrest makes your current destination unsafe.
- Delayed, lost or stolen baggage.
- 24/7 worldwide emergency assistance.
Our travel insurance plans are designed by travelers for travelers, and we cover more than 250 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.
Who might want to buy travel insurance for a long trip?
Travelers of all ages might be interested in purchasing a long term travel insurance plan. Here are a few examples:
- College students going on study abroad who want to travel in between quarters or semesters.
- Digital nomads making the most of work and play.
- New retirees heading out to explore the world with their newfound freedom.
- Families traveling for the summer holidays.
- Spontaneous travelers (the Annual travel insurance plan might be right for you!)
How long can I travel with long term travel insurance?
Our policies are designed to be flexible … we’re nomads after all! We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.
US travelers can buy a World Nomads travel insurance single-trip plan with a maximum duration of 180 days. If you purchase the Annual Plan, you can travel as much as you want with the maximum consecutive trip time of 45 days.
When you get a quote, you can compare our four single trip plans, and one annual travel insurance plan to see which will be best suited for your trip.
What if I don’t know how long I want to travel for?
If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options to ensure you’re covered while you’re away:
- Purchase a new plan: If your plan has expired, you can purchase a new one while you’re still traveling. Just note your coverage takes effect at 12:01 a.m. local time the day after you purchase your plan. Your plan wording will have full details to understand the cover, limits and exclusions.
- Purchase and track your plans with your World Nomads membership: A free membership gives you access to all of our great content and safety advice. And if you buy insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more plans as needed, and access online claims forms. Make sure you log-in before purchasing each new plan.
- Consider the optional “Cancel for Any Reason” benefit: It’s unfortunate, but it happens: You plan a big trip months in advance, only to have something come up that is now stopping you from going. The trip cancellation benefit may help recover some of the expenses, but a certain qualifying event would have to happen (sickness, natural disaster, etc.) But what if your dog is sick or you break up with your partner or you get a new job? Instead of losing all the money you put down, consider adding on the “cancel for any reason” benefit to your Explorer or Epic travel insurance plan during the time-sensitive period to protect those long trips (and big investments!).
What’s not covered by travel insurance?
All travel insurance plans have exclusions and limitations. Here are some of ours – we won’t provide cover for:
- Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect the local laws those of your host countries.
- If you've taken drugs or overindulged in alcohol.
- Routine medical treatment (remember it's not regular health insurance; it's for medical emergencies).
- Ongoing treatment at home.
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase.
- Cancelling your trip due to fear of travel or just changing your mind (unless you purchased the ‘cancel for any reason’ benefit).
A True Claims Story
Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S. resident in Spain
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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
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 extended trips and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I buy a travel insurance policy if I'm already traveling?
Yes, you can be traveling anywhere in the world and still buy a policy for any duration you choose (from 1 day up to 180 days). Check the policy wording for details on when coverage begins and ends.
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What if I get sick while traveling?
What if I get sick while traveling? If you’re injured or get sick while you’re traveling,, you could be covered for: hospital stays; emergency out-patient treatment ; prescribed medicines, X-rays, and laboratory tests; and medical evacuation, if a necessary part of your treatment.
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Can I extend my policy?
Technically, you can’t extend your policy, but you can purchase another policy if you need additional coverage.
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What if I need to end my trip early?
• You may be eligible for our trip interruption benefit [link] if you need to end your trip before originally planned. However, you won’t be able to get a refund on the unused portion of your policy. If you run into an emergency, please call our 24/7 Emergency Assistance team.
