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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If you’ve booked and paid for your trip and need to unexpectedly cancel, the last thing you want is to be out of pocket for non-refundable trip costs. World Nomads travel insurance plans offer coverage for your non-refundable, pre-paid travel arrangements, such as transportation and accommodation expenses if you need to cancel your trip for a covered reason. So, you’ll have one less thing to worry about and you can start saving for your next adventure instead.
What is travel insurance trip cancellation coverage?
If you must cancel your trip due to a covered reason, there's trip cancellation coverage in both our Standard and Explorer travel insurance plans. We cover your non-refundable prepaid trip costs (up to the maximum limit listed in the schedule of benefits) if you can't travel for a covered reason.
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician that prohibits them from travelling, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- Your or your travel companion’s business partner.
We know more than illness can stop you from travelling, so we also provide trip cancellation coverage in cases like these:
- The Canadian government issues a formal advisory against travel to a destination, country or region listed on your itinerary. The advisory must be issued after both the date you paid for non-refundable prepaid travel arrangements and after your policy effective date. Note there is no coverage if an advisory is issued due to an epidemic or pandemic.
- Your principal residence or destination residence is made uninhabitable by a natural disaster or unintentional act.
- You or your travelling companion are a victim of a felonious assault within 10 days prior to your trip start date.
- A strike stops all travel services at your departure point or destination.
- Your travel supplier files for bankruptcy or completely ceases operations more than 14 days after your policy purchase date and the loss incurred is not recoverable from any other source.
It's important to note that trip cancellation coverage will not be available for an event or circumstance that is known before you purchase your travel insurance. Examples include, but are not limited to: an already-announced strike, an already-named hurricane and a pre-existing medical condition.
When you get a quote, be sure to read through the policy to understand the coverage and what the limits are, and any conditions and exclusions that apply. If you have questions regarding the coverage, please contact us.
What's not covered by travel insurance trip cancellation coverage?
Travel insurance isn't designed to cover everything. Here are some things that are not covered by your World Nomads plan:
- If you change your mind about travelling
- If your visa is refused
- If you break up with your partner
- Events that are known before you buy the policy
- Pre-existing medical conditions that are excluded in the policy
Be prepared if you need to claim for trip cancellation
Depending on your trip cancellation 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
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.
Wife's accident cancels Kilimanjaro.
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.
S.Korpak. Norwegian Nomad.
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.
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Is there a time period that I have to claim within?
Our policy requires you to notify us of a cancellation no later than the next business day. If you're waiting on documentation, just let our customer service team know, so they can make a note.
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If I'm having trouble getting documents from my travel provider, will you get them for me?
It's up to you to provide all of the documentation to support your claim.
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Can I get a refund on my policy as I'm not travelling?
If you're making a claim, or you're outside of the free look/cooling off period, there are no refunds.
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 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 for Delayed Baggage
Learn how travel insurance could help if your luggage misses your flight.
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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's covered if my bags are delayed?
- Blue Ribbon Bags
- Items that aren't covered under baggage delay insurance
- If you need to make a claim for baggage delay
- Things you should know (and other tips for surviving delayed baggage)
We’ve been stuck in some remote locations with only the clothes on our back, so we understand the need to freshen up when your bags don't arrive. If you’ve arrived at the snow without warm clothes, or the tropics without a fresh pair of underwear, we can help you navigate a common traveler gripe – delayed baggage.
What’s covered if my bags are delayed?
When you arrive at your destination, but your bags don’t, and it’s looking like it will take some time for them to find their way back to you, World Nomads travel insurance* may help ease the blow.
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan can reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), or you’ve traveled for a big event like a wedding and your dress or tux was in your checked bag.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items. When you get a quote, you can compare the coverage and limits in our plans side-by-side.
Non-Insurance Service “Blue Ribbon Bags”
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next email should be to our non-insurance service partner “Blue Ribbon Bags”. They will get on the case and get your bag headed in the right direction, quickly. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide Blue Ribbon Bags with the file reference, record locator number, and Property Irregularity Report.
Items that aren’t covered under baggage delay insurance
While things like a change of clothes and toiletries fall under the ‘items you can claim if your bags are delayed’ umbrella, not everything is reimbursable. The following items are excluded:
- Eyeglasses, sunglasses or contact lenses;
- Credit cards, tickets, cash and documents;
- Professional or occupational equipment or property including electronic business equipment;
- Hearing aids, orthodontic devices and prescription medications.
This is not a full list of exclusions. Please read your plan wording for full details including per-day and maximum limits.
If you need to make a claim for baggage delay
If your bags are missing for an extended time, you’re probably going to need to make a claim. Travel insurance is secondary to other coverage you may have, so you will need to claim reimbursement with your common carrier first, then with us for the remaining amount your airline won’t cover.
If you need to make a claim for delayed baggage there are a few steps you need to follow:
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- Contact Blue Ribbon Bags.
- We suggest reviewing your plan documents to see what your per-item and maximum limits are.
- Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises).
- Submit relevant receipts for the items you buy as part of the claim process.
Take a look at our article What to do if your luggage is delayed for more information. And if you’re still not sure, get in touch and one of our team members can advise.
Things you should know (and other tips for surviving delayed baggage)
There are limits on the amount you can spend, and if your bags are returned within the 12-hour waiting period, then coverage will not apply. So, before you go shopping for a new wardrobe, check your plan carefully on the limits, conditions and exclusions that may apply before you buy.
Sometimes it pays to squeeze everything into your carry-on luggage. Check out our handy tips for traveling with carry-on only and take care you don’t exceed luggage weight limits.
One of the best ways to keep your luggage safe is to keep your valuables with you. When in transit, take your most precious items out of your checked-in luggage and carry them with you in your carry-on luggage or daypack.
Finally, read our article on baggage and gear to learn about coverage for lost, stolen and damaged baggage.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Baggage Delay in a Delhi Winter.
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
S.N. U.S Nomad in India.
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 hospitalized?
- 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?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Lost, Delayed or Stolen Baggage
Protect your luggage and personal belongings with World Nomads travel insurance for Americans.
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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.
- Why travel insurance is your best bet when your bags go missing
- Blue Ribbon Bags
- When travel insurance doesn’t cover your baggage
- What to do if your bag gets lost or stolen while you’re on vacation
- Keep your baggage safe
If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain for your belongings to appear, you know the sinking feeling that comes with losing your luggage.
While this is one of the most common ways your bags can go missing, other issues with your stuff can arise too, like delays, damage, and theft.
Our travel insurance* may help when your bag’s plans go awry.
Why travel insurance is your best bet when your bags go missing
We know how much your bags mean to you while you’re traveling. They hold all your carefully packed items, like your favorite hiking boots, your journal, and that special something you bought just for this trip. Sometimes all your worldly processions are in those bags! That’s why baggage coverage is your best bet when your bags go AWOL.
No matter which plan you choose (compare them, and then get a quote), you may be able to get assistance if any of these common problems happen to you:
- Baggage delays by your airline or other common carrier (on the way to your destination).
- Stolen baggage or items (including tech gear, like computers and cameras).
- Bags that have been lost in transit.
- Stolen passports and IDs.
- Accidental damage to your bags.
You will need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing, prior to leaving on the trip. However, if you don’t have either of those, you may still be able to make a claim. Also, it’s important to remember that depreciation will be taken into account in all lost bag claims.
Coverage is secondary to any coverage from your common carrier and are subject to per-item and total maximum benefit amounts as shown on your plans.
It’s important to read through your plan wording to become familiar with what is and isn’t covered, so there are no surprises if you need to make a claim.
Blue Ribbon Bags
If your checked baggage is lost or delayed by an airline, our partnership with non-insurance service Blue Ribbon Bags ensures prompt recovery. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form on our partner page on Blue Ribbon Bags website. You’ll need the file reference, record locator number, and Property Irregularity Report.
When travel insurance doesn’t cover your baggage
While World Nomads travel insurance is designed to cover your trip essentials, travel insurance isn’t designed to cover everything. Certain situations and circumstances may mean your baggage is not covered by your travel insurance. Travel insurance does not cover:
- Accidentally leaving your baggage or personal belongings behind.
- Stolen bags that were left unattended.
- Baggage or personal items stolen from a vehicle, even if it was locked.
- Professional equipment (anything that isn’t owned by you or is used for professional purposes).
- Eyeglasses, sunglasses or contact lenses.
- Retainers, orthodontic devices or hearing aids.
- Missing items that have not been reported to a local authority (police, airline, etc.).
- Baggage delay on the way home from your trip.
What to do if your bag gets lost or stolen while you’re on vacation
Had your bag stolen while on the overnight train from Bangkok to Chiang Mai? Or perhaps it got lost in transit en route to Peru? Bags can lose their way for a variety of reasons. It helps to know how to pick yourself back up again if you find yourself without your stuff while traveling.
If your luggage has been stolen or is lost along the way, there are a few things you need to do to increase the likelihood of your travel insurance reimbursing your loss. Take a look at this easy-to-follow guide for what to do if your luggage is stolen. Remember, the first rule of thumb is always to report it.
In addition, if your luggage is delayed more than 12 hours, you may be entitled to replacement costs for essential clothing and toiletries. Check your policy wording carefully as terms and conditions apply.
Keep your baggage safe
While stealthy thieves and misplaced bags are a traveling reality, there are a few simple tips and tricks you can keep in mind while traveling to help reduce the risk of losing your most valued processions.
From always packing and carrying your own bags to safeguarding your bags with zip ties, follow these essential tips from travelers on how to keep your belongings safe while you travel.
Get a quote
Ready to pack your bags? When you get a quote you can compare our single-trip and annual plans and decide which one might best suit your needs.
Still not sure? Get in touch and we can help you decide which travel insurance plan is best for your next adventure.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Travel Insurance Baggage Tips
- Find and scan your receipts before you leave.
- If an airline loses your baggage, notify them right away and get a record.
- Theft? Report it to the police within 24 hours.
- Password-protect your devices and enable the lock screen if possible.
- Enable location tracking on your phone, tablet and laptop
- Make a claim within twenty days; submit documentation within 90 days.
FAQ
Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I claim for my baggage while I'm traveling?
You can claim whenever you like, while traveling or when you return home. We encourage you to file a claim at your earliest convenience, however, the deadline to submit a claim is within 20 days of the loss. Plus, submitting your claim as soon as possible means less of a chance you’ll misplace your receipts or other required documentation.
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What if I don’t have receipts?
You can still file a claim. However, the item might depreciate, or we may be unable to process your claim without additional information. If you are trying claim reimbursement for purchases made because of a baggage delay, we require receipts.
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If the airline loses my gear, what do I need?
You’ll need documentation from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
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Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. Depreciation happens to match the claim to the item's current price, not the original retail price.
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Am I covered if I lose my passport?
Our travel insurance plans may be able to help you with getting an emergency passport. If this happens, get in touch with the 24/7 Emergency Assistance team as soon as possible. There are times when your travel insurance may not cover you, like if you leave your passport behind. Read through your plan wording carefully to become familiar with how your policy can and cannot help in these situations, and read our help center article about lost and stolen passports.
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I have a high-value camera. Does your travel insurance cover it?
Always make sure you get the right level of coverage for your needs. Our plans for US residents have per item, combined article limit for higher valued items, and overall limits. Always read your plan wording carefully to ensure you have adequate cover for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.
Baggage Delay in Delhi
When I arrived in Delhi from Rome, the baggage claim desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered. Since it was winter in Delhi, and my warm jacket was in my bag, I had to purchase a new jacket and other warm clothing that I had not packed in my carry-on.
S.N. U.S Nomad in India
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 hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Medical Emergencies
Robust medical coverage for Americans traveling abroad
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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.
- Why consider travel insurance for medical emergencies?
- What overseas medical expenses may be covered by travel insurance?
- Worldwide 24/7 emergency assistance
- Am I covered for Coronavirus-related medical costs while overseas?
- What’s not covered?
- What else do I need to know about travel insurance for emergency medical?
We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter crashes, and at least one shark bite! When the unexpected happens, you will want to know who to call and how to get help. When you purchase one of our travel insurance* plans, you can rest a bit easier on your trip knowing you made plans for the “just in case”.
Why consider travel insurance for medical emergencies?
One of the key reasons many travelers purchase travel insurance is to make sure they are covered for an unexpected injury or illness while on vacation. Food poisoning, bike accidents and serious illnesses happen more than you might imagine. Sometimes you might just need advice on where to find a local doctor to get some medicine. But a serious illness or injury may require hospitalization, surgery or other medical treatment. In many cases, if you get sick or injured, a hospital may not treat you without upfront payment or providing proof you purchased a travel insurance plan.
What overseas medical expenses may be covered by travel insurance?
World Nomads travel insurance covers a wide range of overseas medical expenses, including:
- Hospitalization
- Visits to registered medical practitioners
- X-rays and lab tests
- Prescribed medicines
- Ambulance transportation
- Being brought home, if medically necessary and coordinated with the 24/7 Emergency Assistance Team
- Emergency dental treatment
This is not a full list of what's covered. Terms, conditions, limits, and exclusions apply. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits, or exclusions of coverage as described in your plan.
Worldwide 24/7 emergency assistance
With the 24/7 Emergency Assistance Team, you’re never alone during a medical emergency. The team provides support to find local medical facilities and can even arrange repatriation if needed, ensuring your safety and well-being.
Am I covered for Coronavirus-related medical costs while overseas?
Our Single trip or Annual travel insurance plans for US residents all offer support should you unexpectedly get sick while traveling. Our medical coverage includes benefits for serious illnesses, such as COVID-19, or being placed under strict quarantine by a physician or government mandate, among other scenarios.
Your travel insurance plan may help with emergency medical treatment for unexpected injury or sickness, including contracting COVID-19 while you are traveling. You may also be eligible for Trip Interruption benefits if your travel arrangements have changed mid-trip because you’ve contracted COVID-19 and a doctor diagnoses you as too sick to travel.
For more information on benefit limits, conditions and exclusions, read our What’s Covered for Coronavirus article.
What’s not covered?
While our travel insurance offers extensive coverage, certain exclusions apply, such as some pre-existing medical conditions and non-emergency treatments that can wait until you return home. The following situations are excluded from coverage:
- If you've used drugs or alcohol.
- Any reckless or illegal behavior.
- Non-emergency treatment that can wait until you return home (it's not regular health insurance; it's for travel health emergencies).
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
- Care or treatment that is payable under any other insurance plan.
- Ongoing treatment at home.
What else do I need to know about travel insurance for emergency medical?
Here are a few other things you may want to keep in mind as you plan your trip:
- Most travel insurance is excess (secondary). That means you’ll make a claim first with your primary insurer, then claim with us for the amount they did not cover, up to the plan limits.
- We offer four plans – Standard, Explorer, Epic and Annual Insurance. When you get a quote, you can compare the plans side-by-side. Only you can decide what is the best medical travel insurance to meet your needs. If you have any questions, reach out and our team will be happy to help.
- Many illnesses and accidents can be prevented with a little planning and care.
- Make sure you’re up to date on all your travel vaccinations like Typhoid, Hepatitis A/B and Yellow Fever, along with routine vaccinations like Flu, Covid and Tetanus.
- Visit our non-insurance service provider Runway Health before you leave to get prescriptions for many of the most common medications you may need on your travels. Runway Health is an online travel clinic that helps ensure you’re well-informed and protected against potential health risks while you’re away. Register for a free, pre-departure telehealth consultation.
- Foodborne and waterborne illnesses can ruin a trip. If you’re not sure about food and water safety where you’re traveling, remember the ‘boil it, cook it, peel it or forget it’ rule. This goes for teeth brushing too.
- For personal safety, never leave your food or drink unattended, especially if traveling alone.
- Know your limits and allow time for rest and snack breaks. If you’re planning a more adventurous trip with hiking, biking or other strenuous activities, start training early so you’ll be in great shape by the time you go.
How to get medical assistance.
It’s essential that you get in contact with our assistance teams as soon as possible so that our teams can support you from the time you fall sick or get injured until the time you're well again.
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
Monkey Bite!
While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. 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, and then immunoglobin shots.
S.D. U.S Resident in Indonesia.
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 or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered
We don't have a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance.
