Travel insurance for water sports and activities
What to know when getting your adrenaline rush in and around the water
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Water, water everywhere! Whether you’re planning to set sail on your holiday, scuba dive the world’s great reefs, or you’re going to bounce down a canyon on a white-water adventure, World Nomads travel insurance can help you and your family if the unexpected happens.
- What does World Nomads travel insurance cover?
- Why should I consider travel insurance when doing a water sports activity
- What’s covered by water sports activity insurance?
- What's not covered
- Tips for your water activity and sports trip
What does World Nomads travel insurance cover?
Some of the key benefits that you may be covered for (up to the befit limits) include:
- Emergency medical and evacuation coverage – if you or a member of your family suffers an injury or accident whilst participating in a covered water sports activity.
- Baggage and high-value items cover – if your baggage or items are stolen, lost or damaged you may be covered, including if your bags are delayed.
- Cover for Coronavirus-related events – our policies offer medical coverage if you or your family are diagnosed with Coronavirus. You may also be covered for Coronavirus-related travel costs such as quarantine and trip cancellation, depending on which policy you choose.
- Coverage for extended stays – Your plan can be extended while still travelling for up to 12 months from your departure date (terms and conditions apply).
Why should I consider travel insurance when doing a water sports activity?
Before you head off on your adventure it might be worth considering how travel insurance can ensure that your holiday dreams don’t turn into a nightmare.
Our policies can help with medical costs and evacuation if you suffer an injury while sailing in the Greek Islands and need to seek medical treatment. Travel insurance can also help if your surfboard is damaged while on your way to your surfing adventure in Hawaii.
Having travel insurance can even help if your diving trip to the Great Barrier Reef by is cancelled due to an insured event by the tour provider and you’re left out of pocket.
Our policies cover a wide range of water sports activities, so don’t leave your aquatic adventure up to chance.
What’s covered by water sports activity insurance?
We want you to have the best experience on your travels, so we’ve designed our plans to cover the water sports that our nomads love the most including:
- Dragon boating
- Jet Skiing
- Kayaking
- Snorkelling
- Scuba diving (qualified to 40 metres)
- Surfing
- Stand-up paddleboarding.
We can even offer cover for experiences that really push the limits including:
- Outdoor endurance, multi-sport and triathlon events (less than ultra-distance)
- Shark cage diving
- Cavern diving (qualified to 40 metres).
World Nomads offers two plans – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
- The Explorer Plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.
- Both the Standard and Explorer plans offer cover for nominated low-risk water sports under “Level 1” cover. If you plan to participate in higher-risk water sports, as listed in section 8 of the PDS, you may need to upgrade your Standard or Explorer plan to “level 2” or “level 3” cover depending on which water sports activities you plan on participating in.
Depending on the level of cover you choose, our policies may cover you for the following when participating in water sports activities:
- Medical emergency: if you suffer an accident on injury whilst participating in a water sports activity, you are covered for medical expenses incurred including evacuation and even repatriation if you need to return home.
- Trip cancellation: if any part your trip is cancelled due to unforeseen circumstances you may be covered for expenses incurred as a result of the cancellation.
- Cover for stolen baggage and gear: if your gear is lost, stolen or damaged on your trip you may be able to claim to have your gear replaced or repaired.
- Natural disaster: If a natural disaster impacts your planned water sports adventure our policies may cover you if you need to cancel or interrupt your travel plans.
What's not covered?
While there are several circumstances we can offer coverage for, there are also those we just won’t cover. These include, but are not limited to:
- Damage to any sporting equipment while in use, sporting equipment over 3 years old or damage to or theft of any water sports equipment that are left unsupervised in a public place.
- If you travel against medical advice or neglect to adhere to Australian Government ‘Do Not Travel’ warnings issued prior to departure. Find out more at Smartraveller.
- A loss arising from participating in or training for a competition or race where you receive a financial reward (i.e., an appearance fee, a wage or salary).
- Any adventure activities or sports that aren’t covered by our policies.
- Any pre-existing medical conditions.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your water activity and sports trip
- Keep your receipts and paperwork:any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- It pays to be prepared:check the weather, check your equipment, and check the credentials of your instructors and guides – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head:be responsible when choosing a water sports activity. Does it suit your experience level? Are you using an accredited tour operator? Make sure to wear appropriate safety gear.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS 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.
True Claims Stories
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 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?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- 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)
Travel insurance when cycling
Take life by the handlebars and check out World Nomads travel insurance plans when cycling on your next overseas adventure.
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For lovers of cycling, traveling through a city or a whole region on two wheels can be an eye-opening experience. It can help you get in shape, it’s the environmentally-friendly option, and you get to make as many pit stops to rest and explore as you want.
But with all the positives of cycling, there’s also the chance that you could get caught up in an accident and end up with a sprained ankle, a broken arm, or even worse end up in hospital due to a major accident. That’s why you should consider travel insurance if you need to cover your tracks.
- How you may benefit from World Nomads travel insurance cover
- What’s covered for cycling?
- Know where you’re going and what to do if the unexpected happens
- What's not covered
How you may benefit from World Nomads travel insurance cover
When choosing World Nomads products, you’ll have access to two simple and flexible plans – Standard and Explorer. We offer cover (up to the policy limits) for:
- Baggage protection: had your stuff stolen while cycling? Our gear coverage may help with replacing belongings that were swiped.
- Emergency overseas medical: cycling through the Alps and taking in the fresh air can be great for the body and the mind, but not if it ends up in a bad injury. Emergency medical coverage will come in handy in the case of an accident, illness or injury.
- Evacuation: your cycling route may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from World Nomads. Note, there is no cover for search and rescue expenses.
- Trip cancellation: has a sick or injured traveling companion put a stop to your cycling trip in New Zealand? Depending on your plan you may be able to recover your unused, prepaid travel expenses.
- 24-hour emergency assistance: if you find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Assistance. Our staff can assist you all the way from needing directions to a medical facility, helping with multi-lingual services, to urgent medical evacuation if you’ve suffered an injury or fall ill.
- Coverage for some Coronavirus (COVID-19) related events: to find out more, including benefit limits and exclusions, read our What's covered for Coronavirus article
What’s covered for cycling?
Under both of World Nomads plans – Standard and Explorer – you may be automatically covered under the Standard Plan, or you’ll need to upgrade to the Explorer Plan depending on the type of cycling activity you’re doing. Depending on your country of residence and the plan you’ve selected, you could be covered for the following cycling activities:
- Cycling (incidental to the trip): automatically covered - level 1 activity
- Cycling (on an organised tour): automatically covered - Level 1 activity
- Cycling (independent cycle touring): upgrade to Explorer plan - level 2 activity
- Cycling (up to 4,500 meters – all styles including touring and organised tours): automatically covered - Level 1 activity. Policy excludes Yungas Road/Death Road. Special Exclusion (v)
- Cycling (up to 6,000 meters – all styles including touring and organised tours): upgrade to Explorer plan - level 2 activity. Policy excludes Yungas Road/Death Road. Special Exclusion (v)
- Cycling over 6,000 metres in elevation: Not covered.
Note: all our plans are different and may require an upgrade to include cycling at certain altitude. In some instances, you must be with a professional, qualified and licensed cycling guide, instructor or operator. Terms and conditions, limits and exclusions, apply. Read your policy wording carefully to choose the right plan and cycling option for your trip.
For more information on cycling and mountain biking coverage check out our Help Centre article, ‘Am I covered if I'm cycling or mountain biking?’ in the Help Centre which explains what you need to know to be adequately covered. Choose your country of residence and you’ll access the most up to date information.
A couple riding bikes in New York City. Photo credit: Getty Images/Cavan ImagesKnow where you’re going and what to do if the unexpected happens
Before you hit the road with your bike, helmet and gear, it pays to arm yourself with these cycling tips for a safer trip:
- Include all countries you’re visiting or traveling through on your policy: as well as all the adventure activities you’re planning to do or participate in. With World Nomads you’ll have a choice of more than 200 activities, sports and experiences to choose from.
- Check you have all your paperwork: you’ll need to have all the appropriate paperwork, these may include any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting,
- Be responsible when choosing a cycling destination or activity: does the cycling tour your planning suit your experience level? Are there any travel or weather alerts for your destination? Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Do you need to use an accredited tour provider or operator? Can our 24/7 Emergency Assistance Team reach you if you get into trouble?
- Wear a helmet and visible clothing: this should be a no brainer, but it’s still worth mentioning, as in many countries around the world, the locals don’t wear helmets when cycling. Another no brainer is if you’re planning to ride at night, you should have high vis clothing on yourself, your bike, or both to make sure other riders and vehicles see you.
- Proof of purchase: remember that any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
Travel insurance tip: World Nomads provides travel insurance for more than 200 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
What's not covered?
Some things we may not cover include:
- If you refuse to be repatriated or evacuated
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended. Please note that depending on your country of residence and the plan you’ve selected you may not be covered for bicycles and bicycle accessories.
- Any pre-existing medical condition(s) as explained in the policy wording
- Expenses that can be recovered from another source, e.g., transport carriers or accommodation providers
- Unattended baggage or personal items
- Participating or training in activity or sport at a professional level
- Any search or rescue operations as explained in the policy wording
- Misuse or being under the influence of alcohol or drugs.
- Fraudulent or criminal acts.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
True Claims Stories
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 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?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- 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)
Travel insurance when visiting Portugal
What Canadian travellers need to know before going to Portugal
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At a glance
- World Nomads offers four travel insurance plans for your trip to Portugal. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Portugal like surfing, cycling and hiking.
- Policies for Canadians include protection for medical emergencies, trip cancellations and lost luggage.
Portugal is a compact, easy-to-explore country where a laid-back lifestyle, strong café culture and great food add to the appeal for Canadians. Lisbon is rich in history, with centuries-old neighbourhoods, cobblestone streets and historic trams weaving through the city’s hilltop districts. Head north to Porto for port wine cellars and riverside walks along the Douro, or venture inland to the Douro Valley, where terraced vineyards follow the contours of the hills. Further south, the Algarve golden cliffs and surf beaches are a magnet for travellers, while lesser-known regions like Alentejo offer wide-open landscapes, whitewashed villages and a slower pace. A smooth trip starts with smart planning, so be sure to choose the right cover before you leave home.
Plan Comparisons
Choosing the right travel insurance coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip to Portugal. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Travel insurance for adventure activities in Portugal
Portugal’s coastline and more rugged inland regions are made for getting active outdoors. Surfing is a major draw, with consistent waves along the Atlantic coast from Ericeira, a World Surfing Reserve, to the beaches around Peniche and Nazaré. Portugal is a standout destination for hiking, with the Seven Hanging Valleys Trail considered one of the best in Europe. Cycling is another highlight, whether you’re riding through the Douro Valley’s vineyard-covered hills or along coastal routes. Canyoning and coasteering are popular in Madeira and the Azores, while rafting and canoeing offer a different way to explore Portugal’s rivers.
Coverage for 250 activities you love + more
Common insurance considerations for Portugal
Trip interruption
No matter how good of a time you’re having in Portugal, things can happen that mean you have to end your trip early or you’re unable to participate in your full planned itinerary. If you get severely injured or sick while you're travelling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Accidents and emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be glad you purchased travel insurance before you left home. Stayed out too long in the sun on the Algarve and needed medical attention? Had an accident hiking in Madeira? Ate some seafood past its prime and came down with a nasty bout of food poisoning? Emergency assistance is a phone call away.
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home to care for your fur baby. Change your mind about travelling? There’s no judgment here. Just make sure you purchase Cancel For Any Reason insurance cover within 15 days of making your first trip payment (like booking a hotel or flight).
Missing luggage
Nothing gets a trip off to a rocky start quite like arriving in Portugal without your bags. If your checked luggage is lost or delayed, travel insurance benefits may help reimburse you for lost items. Keep original receipts for any personal items you buy – like a toothbrush, medication or a change of clothes. The first step is always to report missing luggage to your carrier and check what compensation they may provide.
Tips for travelling to Portugal
- Travel outside peak season (June to September) and venture beyond the main cities to experience a different side of Portugal
- Summer temperatures can be high, particularly inland, so plan outdoor activities for early morning or late afternoon and stay hydrated
- Be mindful of pickpocketing in busy areas, especially in Lisbon and Porto
- Take care when swimming as Atlantic currents can be strong along some beaches. Swim in designated, lifeguard-patrolled areas.
FAQ
Here are our most frequently asked questions about cover for Portugal. 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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Do Canadians need a visa to visit Portugal?
Canadians don’t need a visa for short stays in Portugal (up to 90 days within a 180-day period), but must apply for ETIAS authorisation before arrival. Requirements can change, so check current advice before you travel.
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What is the best time to visit Portugal?
Spring (April to June) and autumn (September to October) offer mild weather and fewer crowds. Summer is popular but can be hot, especially inland.
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Can I drink tap water in Portugal?
Yes, tap water is safe to drink across Portugal.
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Do I need travel insurance for Portugal?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
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Is Portugal safe for tourists?
Portugal is considered one of the safest countries in Europe. Petty theft can occur in busy areas, so stay aware of your surroundings and keep valuables secure. Check Canadian government advice before travelling and consider travel insurance.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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)
You’re hurt in an accident
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As featured in:
1. Safety first
Following the accident make sure that everyone is safe.
If you’re in car accident, for example, this may involve turning your hazard lights on, moving to a safe location, and, if driveable, moving the vehicle to a safe spot that doesn’t block traffic. Check for any injuries. Be aware that not all injuries can be seen.
If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
Once you’re able to contact our 24/7 Emergency Assistance Team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location.
2. Report the accident
If you’re hurt in an accident, you must make every effort to report the incident to the relevant local authority (e.g., police, hotel manager, other travel service provider) as soon as possible. Be sure to get a copy of written evidence to support any claims.
If you need immediate help at the scene of the accident, contact the local emergency services. Be ready to give the emergency dispatcher the following information:
- Who is involved? The dispatcher may ask for your name and phone number in case they need to get in contact with you later.
- What happened? Tell the dispatcher as much as you can about the emergency.
- Where are you located? Give as much information as you can such as the city, road name, road number and local surroundings.
3. Seek medical attention
Even if you do not appear to have any injuries, it is still a good idea to seek medical attention as some injuries cannot be seen. Medical treatment can help identify any potential injuries and may also put your mind at ease.
Seeking medical treatment will also result in official medical documentation, which may be necessary for any claims on your policy.
4. Get it in writing
To make a claim on your policy you will require supporting documentation. So, while it may be the last thing on your mind at the time, try to get copies of documents that will support your claim before you leave the scene or medical facility such as:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of your injury
- Hospital Admission report if you’re admitted to hospital
- Ambulance and Medical evacuation reports (if relevant)
- Police report (if they were involved)
- Take pictures of the accident scene and your injuries if you can
- Any other relevant documentation related to the accident.
5. Keep your receipts
If you pay for any medical treatment costs or other out-of-pocket expenses relating to the accident, including that of changed travelled plans, it is important to keep all original receipts and other relevant documents as these will be needed to make a claim.
6. Contact us as soon as possible
If you’ve had an accident, you must notify our 24/7 Emergency Assistance Team as soon as reasonably possible.
You can contact our 24/7 Emergency Assistance Team on +353 21 237 8009 or +353 21 237 8003.
The team is available 24 hours a day, 7 days a week, 365 days a year and can offer the following assistance:
- arranging medical transport,
- Helping with multi-lingual support
- setting up direct payments to medical facilities
- giving support to you and your family.
7. Need to know more?
If you have any questions about what's covered and not covered, the claims process, or if you’re involved in an accident, feel free to contact 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?
- 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 and positive community impact
How travel insurance can help have a positive impact on communities.
- As featured in:
As featured in:
- How does World Nomads travel insurance help communities abroad?
- Your travel insurance can help fund many projects
- Why should I consider travel insurance for my next holiday?
- How you can be a responsible traveler?
- FAQs for responsible travel
Travel can open our minds and teach us about destinations often far removed from our own. Just like you, as a team of global adventurers, the World Nomads team knows that as thrilling as a vacation abroad can be, our choices, if they are considered, can influence more than just ourselves.
How does World Nomads travel insurance help communities abroad?
As well as travel insurance, World Nomads offers travelers the opportunity to help fund community development projects via micro donations through the Footprints Network.
When purchasing a policy with us, you can choose to add a small donation to the price, with 100 percent of the funds raised going directly to more than 240 reputable charities and NGOs, including Save the Children, The Fred Hollows Foundation and SURFAID, to name just a few.
Since launching the initiative, the World Nomads Footprints program has raised AUD$5.8million, thanks to the generosity of over 1 million travelers.
Each of the projects we support has a focus on ending poverty, protecting the planet and/or making a global shift toward sustainability and resilience, in line with the United Nations Sustainable Development Goals.
Your travel insurance can help fund many projects
By purchasing travel insurance, you can help support global communities through the World Nomads Footprints program in the following areas:
- Community development
- Wildlife protection
- Women's safety initiatives
- Global health projects
To contribute, simply get a travel insurance quote for your trip. When you get a travel insurance quote, you have the option to make a micro donation. Then all you need to do is enjoy your travels knowing you are making a difference. You can also keep in touch with us so you can see what project you have helped to fund.
Why should I consider travel insurance for my next holiday?*
You wouldn’t go on a vacation without taking your passport, right? You wouldn’t get very far. The same goes for travel insurance; it’s something you should consider when getting ready to go on a holiday overseas.
We all know that as organized as you might be, not everything always goes to plan when you’re venturing abroad – items get lost in transit, flights can be canceled and delayed, and injuries and illness can occur.
A travel insurance plan may be able to help, and if you’re a seasoned traveler you’ll know that not only is it inconvenient to have to deal with any of the above, these hiccups can prove costly, especially in another country.
At World Nomads, we offer different levels of cover depending on your country of residence and on the plan and options you select. It’s important you consider exactly what you’ll be doing, where you’ll be going, and what type of vacation you’re planning before choosing a plan, as there are differences.
* Travel insurance isn't designed to cover everything. Full terms, conditions, limitations and exclusions do apply, so be sure to read your full policy wording to avoid surprises. If you have any questions, please get in touch.
Simple and flexible travel insurance
You can buy at home or while traveling, and claim online from anywhere in the world. With 150+ adventure activities covered and 24/7 emergency assistance.
Get a quoteHow you can be a responsible traveler?
If you are traveling soon and unsure what you can do to give back to the planet, here are just some ways you can make a difference:
- Social enterprise: while on your travels, seek out a social enterprise that assists the local community, for example, in Zambia the markets at Victoria Falls sell locally made goods, the money you spend goes back into the local community.
- Ethical eating: try to eat seasonal, local, organic wholefoods based around local traditions rather than ‘Western-style’. Ethical tours should also include plant-based meal options to encourage planet-friendly eating.
- Small groups: small group tours, with an average of 10 people, help us travel more responsibly. By interacting on a personal level with the people and places we visit, we’re more likely to understand the issues affecting these places and how we can help.
- Carbon offsets: have you considered whether your trip includes carbon offsets? Two global adventure tour companies now offering this option are World Expeditions and Intrepid Travel, which has also been carbon neutral since 2010.
- Be an infrequent flier, choose slow travel instead: flying less often is the best choice you can make. Could you travel using another mode of transport? And could you commit to using low-impact forms of transport once you reach your destination to offset the emissions from your flight?
How can I give back when I buy my travel insurance?
Learn more about how you can give back to the places you visit with a small donation by watching this video.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
FAQ
Here are our most frequently asked questions about responsible travel 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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Why should I consider travel insurance for an overseas trip?
Even well-planned trips can go sideways. Lost bags, cancelled flights, illness overseas—travel insurance may help you deal with the unexpected so you can keep exploring.
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Can I donate to Footprints when I buy a travel insurance plan?
Yes! Just tick the box to add a donation when purchasing. You'll be part of a global movement supporting causes that matter.
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What if I’m doing adventure activities and other sports?
If you’re into the more intense adventure activities, for example you plan to go skiing and snowboarding, mountain biking downhill, or rock climbing (outdoor), you’ll need to upgrade your cover and pay an additional premium. Please note that once you have purchased a particular level of cover, it can’t be altered mid-trip.
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Is my donation tax deductible?
Footprints donations are not tax deductible—but 100% of your donation goes to the charity project you’ve helped fund.
Teeth hit the ground
I put my foot in a funny way while I was walking quickly because it was raining. I fell unexpectedly to the floor, face first, so I put my arm out, broke the shoulder and my front teeth hit the ground breaking a tooth.
P.R. Italian 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?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for High-intensity Sports
What you need to know if you plan on doing some of the more adventurous sports on your next trip.
- As featured in:
As featured in:
- What's covered for high-intensity and adventure activities?
- Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What are some higher-level activities & sports that I can be covered for?
- Take your adventure activity and sports cover to the next level
So you love your high intensity sports and have plenty of adventurous plans for your trip abroad, and while you might know your own limits when it comes to adventure, you may not know that your travel insurance cover has limits.
Don’t get us wrong, we love to take things up a notch when hitting the great outdoors and really experiencing it which is why some of our plans offer cover for many popular adventure sports including rock climbing, scuba diving and skiing, but there’s plenty we don’t cover and limits and exclusions may apply.
What’s covered for high-intensity and adventure activities?
If you plan to add high-intensity sports and activities to your trip abroad, then travel insurance should be on your to-do list of things to consider when packing for your next trip. If you have several activities prepared when on the mountain, in the water, or at the snow, you may want to check out our plans to see which one fits your needs the most.
Not getting it right the first time could mean you may not be covered, for example, for medical evacuation and repatriation, and you may end up with a big medical bill.
We have two policies to choose from – Standard and Explorer.
While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. If you want to take your adventure sport to the next level, you’ll want to consider the Explorer Plan. The Explorer Plan has more generous activity conditions and limits than the Standard Plan. You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What kind of high-level adventure activities will I be doing on holiday?
- What activities are my travel buddies planning?
- Do I have the right gear, equipment and qualifications for that activity or sport?
- What cover do the two different plans offer for these activities?
- Am I fit enough to be able to undertake the planned sports, activities and experiences?
- Are there any special exclusions or conditions of cover that may stop me from doing a specific sport or activity?
- What exclusions might apply?
What are some higher-level activities & sports that I can be covered for?
Depending on your country of residence and which plan you’ve selected you may be covered for some of the following sports and activities:
- Big-wave surfing
- Zorbing
- Shark-cage diving
- Parachuting
- Mountaineering to 6,000 metres (with ropes, picks or specialist climbing equipment)
- Triathlon up to full distance
- Mountain biking downhill (using downhill trails and/or mechanical lifts)
- White-water rafting (Grades 1 - 5)
- Skydiving / tandem skydiving
- Base jumping
And many more that you can find under our coverage plans…
The activities and sports listed below are not covered under any of World Nomads policies:
- Bull running
- Martial arts competitions
- Potholing and caving
- Cliff diving, solo diving, cave diving and free diving
- Motor sports
- Stunt flying/aerobatics
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to the Arctic or Antarctica
- Crewing of a vessel more than 60 mi (96km) from a protected body of water.
Please be aware that while we cover more than 150 activities, sports and experiences some may not be available under your specific coverage plan. Additionally, there are some we don’t cover under any of our policies. Some key things that we don’t cover include:
- If you go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to remote and inaccessible regions of the Arctic, Antarctica or Greenland, unless approved by us
- Work offshore or underground, including in caves
- Work operating machinery or heavy/industrial equipment
- Work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres
- Work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.
Take your adventure activity and sports cover to the next level
Depending on your country of residence you will have access to several of our activities or sports that are listed on multiple levels (from Level 1 to Level 4). This is to reflect the varying degrees of difficulty or intensity.
Cover is automatically provided on the Standard Plan and Explorer Plan when you participate in Level 1 adventure sports and activities overseas. You can upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2, 3 and 4) and pay any required additional premium at the time you purchase your policy as follows:
- If you have paid the required additional premium for a sport or activity in Level 2, you are covered for all sports and activities and work listed as Level 1 and 2.
- If you have paid the additional premium for a sport or activity in Level 3, you will be covered for all sports, activities and work listed as Level 1, 2 and 3.
- If you have paid the additional premium for a sport or activity in Level 4, you will be covered for all sports, activities and work listed as Level 1, 2, 3 and 4.
Always check before you go that you have the right level of cover for your desired activities, as you cannot add any sports or activities after your trip has begun. Also, you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Read your policy carefully, and also check out our adventure, sports activities Help Centre article. Just set your country of residence and check out the complete list of covered activities, and sports. If you are still unsure if you’re chosen sport or activity is covered, please get in touch.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
You’re in safe hands with World Nomads
Check out our true claims video below to get a behind the scenes glimpse of how we help travelers when something goes wrong.
Travel insurance tip: many travel insurance policies cover white water rafting and kayaking, for example, but Class 6, Extreme and Exploratory Rapids, aren’t covered. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. Your policy may have special terms, conditions and specific exclusions and conditions for some activities. .
Experiencing a Medical Emergency?
Our Emergency Assistance Team helps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
If you're experiencing a medical emergency, contact our 24/7 Emergency Assistance Team who can help direct you to medical help, and if necessary, work with local authorities to repatriate you home, subject to the terms and conditions of your policy.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Australia
Essential travel insurance tips when going down under
- As featured in:
As featured in:
Spanning nearly 8 million km2 and with crystal-clear water, red deserts, tropical rainforests, and bustling cities, Australia is fascinatingly diverse. Whether you’re road-tripping the East Coast, hiking on Kangaroo Island or scuba diving the Great Barrier Reef, World Nomads has you covered.
- What am I covered for?
- What should I look out for when travelling to Australia?
- What’s not covered?
- Handy tips for travelling in Australia
What am I covered for?
World Nomads offers cover (up to the policy limits) for:
- Overseas medical expenses: if you become sick or injured during your trip.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
- Travel delays/interruption: if your trip is interrupted due to an insured event.
- Trip cancellation: if your trip is cancelled due to an insured event.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
- Family plans: add your children and grandchildren to our policies at no extra cost.
- Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.
Note: our travel insurance plans are different. Cover will vary, depending on your country of residence, what you are claiming for, the plan you choose and any options or upgrades you buy.
With World Nomads, you can buy travel insurance as soon as your trip is locked in or while you're traveling (waiting periods apply); it’s entirely up to you.
What should I look out for when travelling to Australia?
There are a few key things to consider when visiting Australia. Our travel insurance may help if you land in Melbourne, but your baggage doesn’t, or you suffer an injury whilst hiking Cradle Mountain.
To make it easier for you to choose a plan that’s right for you we offer two plans – Standard and Explorer. Each one provides different levels of coverage depending on what you need and your country of residence:
- The Standard Plan –covers a range of benefits and certain adventure activities but has lower coverage limits.
- The Explorer Plan – covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.
Essential travel cover options when you need them the most
Depending on the level of cover you choose and your country of residence, our policies may cover you for:
Lost, stolen or delayed baggage cover
If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 24 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.
Travel insurance for accidents or injuries
If you become sick or injured in Australia with anything from food poisoning to an injury while participating in an activity, our policies may cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments. Terms and conditions apply.
Coronavirus cover for some events
If you catch COVID-19 while travelling in Australia we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.
Adventure sports & activities cover
There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose and your country of residence, you can be covered for hiking adventures in the Snowy Mountains, road trips along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities in the Policy Wording.
Rental car coverage and road safety
Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.
Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
What’s not covered?
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the policy wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S Department of State.
- Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
- Being intoxicated by alcohol or drugs.
Be sure to read the Policy Wording and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Handy tips for travelling in Australia
- If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
- The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
- Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
- Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.
Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics on Australia, here are just a few:
- How to Get a Working Holiday Visa for Australia
- Australia Hikes: 6 Spectacular Tracks All Around the Country
- Where to Stay in Australia: Accommodation Travel Tips
- 10 Ancient Natural Wonders Around Australia
You can also check out our articles if you need the latest safety travel alerts.
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 wording 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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Australia
Essential travel insurance tips when going down under
- As featured in:
As featured in:
With its crystal-clear water, tropical rainforests, and a burnt red Outback, Australia is a thrilling destination. Whether you’re road-tripping the Great Ocean Road, cycling around Uluru or snorkelling the Great Barrier Reef, World Nomads Travel Insurance can have you covered.
- What am I covered for?
- What should I look out for when travelling to Australia?
- What’s not covered?
- Handy tips for travelling in Australia
What am I covered for?
World Nomads offers cover (up to the policy limits) for:
- Overseas medical expenses: if you become sick or injured during your trip.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury.
- Travel delays/interruption: if your trip is interrupted due to an insured event.
- Trip cancellation: if your trip is cancelled due to an insured event.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost.
- Family plans: add your children and grandchildren to our policies at no extra cost.
- Activities cover: we cover more than 150 activities so you can have fun adventuring your way around Australia’s outback, coasts, cities and skies.
Note: our travel insurance plans are different. Cover will vary, depending on what you are claiming for, the plan you choose and any options or upgrades you buy.
With World Nomads, you can buy travel insurance as soon as your trip to Australia is locked in or while you're travelling (waiting periods apply); it’s entirely up to you
What should I look out for when travelling to Australia?
When visiting your neighbours across the ditch, there are a few key things to consider. Our travel insurance could help if you land in Sydney, but your baggage doesn’t or if you suffer an injury hiking Cradle Mountain.
World Nomads offers two plans – Standard and Explorer. Each policy has different levels of cover depending on what your needs are. You may be covered if your bags are lost or stolen, if your transport is delayed, or if you suffer an injury that lands you in hospital.
- The Standard Plan – covers a range of benefits and certain adventure activities and has lower coverage limits.
- The Explorer plan – covers all the benefits of the Standard Plan, with larger coverage limits, more benefits and covers more sports and activities.
Essential travel cover options when you need them the most
Depending on the level of cover you choose, World Nomads offers coverage (up to the policy limits) for:
Lost, stolen or delayed baggage cover
If your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 12 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned.
Medical insurance for accidents or injuries
If you become sick or injured in Australia, with anything from food poisoning to an injury whilst participating in an activity, our policies can cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments.
Coronavirus cover for some events
If you catch COVID-19 while visiting Australia, we may cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer Plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions.
Adventure sports & activities cover
There’s no shortage of adventures and activities to do in Australia and depending on what plan you choose, you can be covered for hiking in Tasmania, road tripping along the East Coast, surfing at Bondi Beach, snorkelling with Whale Sharks on Ningaloo Reef and much more. You can find the full list of covered activities here.
Rental car coverage and road safety
Australia is the perfect place for a road trip. With such vast distances between destinations, it can be a good idea to make sure you are covered if something goes wrong when you’re on the road.
Available on our Explorer Plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
What’s not covered?
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Existing medical conditions – see the Policy Document for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government.
- Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations and hygiene measures.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Our policy doesn’t replace the need for you to purchase rental vehicle insurance through the rental vehicle company covering physical damage and theft of the rental vehicle and your liability to third parties for injury or property damage while the rental vehicle is in your care or control.
- Being intoxicated by alcohol or drugs.
Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Australia Travel Tips
- If you’re planning a road trip, be aware of the distances involved between destinations. Sometimes it can be hundreds of kilometres between towns and petrol stations.
- The sun is very strong in Australia so be sure to wear sunblock, even on a cloudy day. Temperatures in Outback areas can be very high.
- Pick your season – the weather can vary tremendously in parts of Australia even in the same season.
- Swim between the flags at the beach. They show the safest point on the beach for swimming and can help you avoid dangerous rips.
Are you looking for more travel inspiration for Australia? World Nomads has various articles that cover a range of fun topics in Australia, here are just a few:
- How to Get a Working Holiday Visa for Australia
- Australia Hikes: 6 Spectacular Tracks All Around the Country
- Where to Stay in Australia: Accommodation Travel Tips
- 10 Ancient Natural Wonders Around Australia
You can also check out our articles if you need the latest safety travel alerts.
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.
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.
Traveller tip 1: don't forget when travelling overseas, some countries may require your New Zealand passport to be valid for at least six months before it's expiry date as a condition of entry
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 team
