Travel Insurance for Brazil
What Canadians need to know before travelling to Brazil
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to Brazil. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Brazil like surfing, hang gliding and hiking.
- Policies for Canadians include protection for medical emergencies, trip cancellations and lost luggage.
Big and bold, Brazil is known for its warm, welcoming culture. From the beaches of Rio de Janeiro to the depths of the Amazon rainforest, it’s a country defined by strong traditions, a deeply social way of life and a rhythm that feels distinct within South America. Beyond the headline sights, you’ll find vibrant cities, colonial towns and a culture shaped by music, food and festivals. No wonder more Canadians are adding Brazil to their travel plans. Travel insurance helps protect your plans, your belongings, and your peace of mind.
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 Brazil. 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 Brazil
For incredible views over Rio de Janeiro, challenge yourself with a hike up to Pedra da Gávea or try hang gliding over the city and beaches. At Iguazu Falls, boat tours take you close to the base of the falls, while in the Amazon, guided treks and river trips grant you access to remote parts of the rainforest. Along the coast, surf towns from Florianópolis to Bahia are popular for wave riding, and snorkelling and diving in the protected waters around the islands of Fernando de Noronha is a must. For something different, try kitesurfing or sandboard across the dunes of Lençóis Maranhenses.
Coverage for 250 activities you love + more
Common insurance considerations for Brazil
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 thanking your lucky stars you got travel insurance before you left home. Wiped out surfing in Rio and had to go to hospital? Rented a motorcycle but hit a patch of rough road and came off? Ate coxinha in São Paulo and came down with a nasty bout of food poisoning? Emergency assistance is a phone call away.
Trip interruption
No matter how good of a time you’re having in Brazil, things can happen that mean you have to finish 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.
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 arise before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads, which means you can 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. 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 Brazil 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 Brazil
- Pickpocketing and bag snatching happens, so keep valuables secure and out of sight – especially in cities and on popular beaches
- Protect against mosquitoes – use repellent and wear long sleeves in the evening, especially in tropical regions
- Avoid walking alone at night and stay in well-lit, populated areas
- Carry a copy of your ID and keep your passport stored securely at your accommodation
- Set off on hikes in the cool of the early morning if hot and humid weather is forecast, and take plenty of bottled water.
FAQ
Here are our most frequently asked questions about cover for Brazil. 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 Brazil?
Visa requirements for Canadians travelling to Brazil have changed in recent years. Currently, Canadians need to get an eVisa before travelling. Check official government advice before you go.
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Is Brazil safe for tourists?
Safety can vary by region. Popular tourist areas are generally well managed, but petty theft and more serious crime can occur. Stay in well-known areas, use reputable transport and remain aware of your surroundings. Follow Canadian government travel advice about where not to go in Brazil.
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Can I drink tap water in Brazil?
It’s generally best to avoid tap water. Stick to bottled or filtered water and take care with ice and raw foods.
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What currency is used in Brazil and can I use credit cards?
Brazil uses the Brazilian real (BRL). Credit and debit cards are widely accepted in cities, but it’s useful to carry cash for smaller purchases.
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Do I need vaccinations for Brazil?
Some vaccinations may be recommended, including protection against hepatitis A and yellow fever, depending on your itinerary. Speak with your doctor before travelling.
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Is it safe to travel in the Amazon in Brazil?
The Amazon is generally safe to visit with a reputable guide or organised tour. Most travellers explore the region through lodges or guided excursions, which help manage risks. It’s important to follow local advice, use insect repellent, consider travel insurance, and stay aware of your surroundings.
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Is Carnival safe in Rio?
Carnival is one of Brazil’s biggest events and is generally safe for travellers, but large crowds can increase the risk of pickpocketing and petty theft. Keep valuables secure, avoid carrying unnecessary items and plan your transport in advance, especially at night. You may want to consider travel insurance that covers theft, just in case the unexpected happens.
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Do I need travel insurance for Brazil?
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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How do I make a 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)
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What if my passport gets stolen in Brazil?
World Nomads travel insurance plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the policy towards the replacement of your passport or other travel documents.
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)
Travel Insurance for South America
From trekking the Peruvian Andes to diving off the Galapagos Islands, learn how travel insurance for South America could help Canadians
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to South America. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in South America like rock climbing, hiking and scuba diving.
- Policies for Canadians include protection for medical emergencies, trip delays and lost luggage.
From Patagonia’s dramatic glaciers to Colombia’s coffee region and Brazil’s tropical coastline, South America is vast and varied. Beyond its natural landscapes, each country’s identity is shaped by history, food and tradition. Explore ancient sites like Machu Picchu, wander Cartagena’s colourful streets, dance the tango in Buenos Aires, have a pisco sour at a rooftop bar in Cusco – the more you immerse yourself in local culture, the more rewarding your trip will be. Wherever you’re headed in South America, it pays to be prepared. From missed connections to medical emergencies, travel insurance helps you handle the unexpected.
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 South America. 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 South America
From riding across the plains of Patagonia on horseback to exploring the underwater wonders of the Galápagos, getting active outdoors is easy in South America. If hiking is your thing, Peru’s Inca Trail, the W Trek in Torres del Paine and Colombia’s Lost City Trek are among the most iconic routes. Cyclists will love Patagonia’s dramatic roads and Peru’s high-altitude Andean routes, while mountain climbers can take on Aconcagua, the highest peak in South America. All-round adrenaline junkies can head for San Gil in Colombia to take their pick of extreme sports.
Coverage for 250 activities you love + more
Common insurance considerations for South America
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 thankful you purchased travel insurance before you left home. Hit by a car crossing the street in Santiago? Tripped over on your Patagonia trek and broke your arm? Ate questionable asado in Córdoba and got 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).
Emergency evacuation
If you get seriously sick or injured but you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need. It may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re in hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home.
Natural disasters
When a natural disaster strikes, even the most carefully planned trip can be thrown off course, but travel insurance can offer some much-needed weatherproofing. With protection for trip interruption, medical emergencies, and even evacuation, you can head into the unknown feeling prepared for whatever comes your way. Do your research before you go though, because if you buy a policy after an event is known and the natural disaster impacts your trip, you won’t be covered for any expenses.
Tips for travelling to South America
- Check entry requirements for each country – visa rules, entry forms and passport validity requirements can vary
- Be mindful of food and water safety – stick to bottled or filtered water and eat freshly prepared food
- Learn a few local phrases – Spanish and Portuguese are widely spoken, and a few basics can go a long way
- Don’t let strangers help you with luggage at bus terminals, airports or train stations, and never stow bags where you can’t see them.
FAQ
Here are our most frequently asked questions about cover for South America. 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 visas to travel in South America?
Visa requirements vary by country. Canadians can enter many South American countries visa-free for short stays, but some require visas or entry forms. Always check the requirements for each destination before you travel.
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Is South America safe for tourists?
Safety varies by country and region. Popular tourist areas are generally well managed, but petty theft and more serious crime can occur. Stay in well-known areas, use reputable transport and remain aware of your surroundings. You may want to consider travel insurance for those unexpected situations.
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Is it safe to drink tap water in South America?
In many countries, it’s best to avoid tap water. Stick to bottled or filtered water and take care with ice and raw foods.
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What currency is used in South America?
There’s no single currency – each country has its own. Credit cards are widely accepted in cities, but it’s useful to carry cash, especially in smaller towns.
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Do I need vaccinations for South America?
Some vaccinations may be recommended depending on your itinerary, including protection against hepatitis A and yellow fever. Speak with your doctor before travelling.
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Is altitude sickness a risk in South America?
Yes. Many destinations in the Andes, including Cusco in Peru and La Paz in Bolivia, sit at high elevations. Altitude sickness can affect travellers, so it’s important to acclimatise gradually, stay hydrated and avoid overexertion in the first few days.
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Is it safe to visit the Amazon rainforest?
Yes, when travelling with a reputable guide or organised tour. Most visitors explore the Amazon through lodges or guided excursions, which help manage risks such as wildlife, navigation and remote conditions. You may want to consider travel insurance for those unexpected medical emergency situations.
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Is it safe to travel between regions in South America?
Yes, but distances can be long and conditions vary. Domestic flights are often the quickest way to travel between major destinations, while buses are a common option for shorter routes. It’s best to plan ahead and allow extra time for connections.
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Do I need travel insurance for South America?
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.
-
How do I make a 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.
-
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)
-
What if my passport gets stolen in South America?
World Nomads travel insurance plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the policy towards the replacement of your passport or other travel documents.
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)
Travel Insurance Benefits for Adventure Sports and Activities
Canadian adventurers may be covered for 250+ sports and activities while travelling
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that may include 250+ adventure sports and activities
- Covered activities may include kayaking, cycling, hiking, scuba diving, camping, safari tours and more
- An optional Adventure Sports Coverage Upgrade is required for coverage for Level 2 and Level 3 activities such as skiing, cliff diving, deep sea fishing, and rappelling
- Medical emergencies that happen while participating in covered activities may be covered
- Prepaid, unused, non-refundable trip costs may be reimbursed if your trip gets cancelled or interrupted
- You may be covered the depreciated value of lost, stolen, damaged or sporting gear
- Why should you consider travel insurance that covers adventure sports and activities?
- What’s Covered for Adventure Sports and Activities
- Important to know
- Maximum Limits
- Included Activities
- Questions to Ask When Choosing a Plan
- FAQs
Why should you consider travel insurance that covers adventure sports and activities?
A recent survey shows that over one-fifth of Canadian travellers identify as adventure seekers. For some that may be rafting in Costa Rica, hiking in Iceland, or taking on the epic bike trails of New Zealand. No matter what adventures and activities you’re planning on your trip though, there are some things you can’t plan for.
If you get hurt while participating in a covered activity, travel insurance may help with emergency medical coverage that could cover things such as a hospital visit, ambulance ride, prescription medication and x-rays. (Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000 CAD).
If your trip is cancelled or interrupted due to an unforeseen covered event, you may be able to claim for reimbursement of your prepaid, unused, non-refundable travel expenses (up to the maximum benefit limit shown in your policy), and this may include prepaid, unused, non-refundable tours and activities. If your sporting gear is lost, damaged, or delayed for at least 12 hours by your airline, or it’s stolen, travel insurance may be able to help as well. Because of these unexpected situations that can happen while travelling, you may want to consider getting a quote for travel insurance for activities and adventure sports. Level 1 activities such as snorkeling, kayaking, cycling, hiking, scuba diving, camping, safari tours may be included, but you’ll need to purchase an upgrade to be covered for Level 2 and 3 activities such as skiing, cliff diving, deep sea fishing, and rappelling.
What’s Covered for Adventure Sports and Activities
Important to know
- You’ll need to list out all your activities when purchasing a plan, and you may need to pay an additional premium to be covered for Level 2 and 3 activities
- Coverage doesn’t include participation as a professional athlete
- Sporting equipment damaged while you’re using it isn’t covered
- You must report stolen sporting equipment to the police and get a written report
- Some adventure sports are excluded or have special conditions, so check the list of covered activities and adventure sports and refer to the policy for complete details
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Sporting Equipment Theft or Loss by a Common Carrier: Up to $1,000 CAD, with a $250 CAD per-item limit Sporting Equipment Delay: Up to $400 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Sporting Equipment Theft or Loss by a Common Carrier: Up to $2,500 CAD, with a $500 CAD per-item limit Sporting Equipment Delay: Up to $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Sporting Equipment Theft or Loss by a Common Carrier: Up to $4,000 CAD, with a $750 CAD per-item limit Sporting Equipment Delay: Up to $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Sporting Equipment Theft or Loss by a Common Carrier: Up to $2,500 CAD, with a $500 CAD per-item limit Sporting Equipment Delay: Up to $1,000 CAD Get a quote |
Included Activities
There are over 250 sports, activities and experiences that may be covered by World Nomads Travel Insurance plans for Canadian residents. When you purchase your policy you’ll need to list out all of your activities and pay an additional premium for Level 2 and 3 activities if any fall in that category.
Some examples of activities that may be included in your travel insurance plan include:
- Kayaking
- Cycling
- Scuba diving
- Surfing
- Bungee jumping
- Camping
- Hiking
- Sailing
- Safaris
- Pickleball
- Live Action Role Playing (LARP)
Some activities also have special conditions and special exclusions, so make sure you read your policy and understand what is covered under your policy for activities and adventure sports. You can contact us if you have any questions.
If you decide to purchase the Level 2 upgrade, you’ll be covered for all adventure sports and activities that are listed in Levels 1 and 2. If you decide to purchase the Level 3 upgrade, you’ll be covered for all adventure sports and activities that are listed in Levels 1, 2, and 3.
Questions to Ask When Choosing a Plan
It may be tempting to purchase travel insurance coverage without reading the policy wording. However, you should read and understand the policy and ensure it meets your individual travel insurance needs. You’ll want to pick the plan that has the best travel insurance for the adventure sports and activities you’ll be participating in.
When deciding which plan is best matched to your adventures you might want to ask yourself:
- What kind of activities will I be doing while I’m travelling?
- What activities are my travel companions planning? Will I want to participate too?
- What coverage is offered by the different plans for these activities?
- What exclusions might apply?
World Nomads offers single trip and annual multi-trip plans for Canadian residents, and when you get a quote for travel insurance, you’ll be able to compare the coverage of each plan side by side. You’ll want to familiarize yourself with all the benefits, limits and exclusions before you buy a plan that includes travel insurance for activities and adventure sports. If you’re participating in a Level 2 or Level 3 activity, make sure you upgrade the plan and pay the additional premium. You will need to list all of the activities you will be participating in when you purchase your policy. If you have any questions about what activities are covered, you can contact us.
FAQ
Here are our most frequently asked questions about cover for adventure sports and activities. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What adventure sports and activities may be covered?
World Nomads travel insurance plans for Canadian residents may include 250+ activities, sports and experiences. You’ll need to list out all of the activities you are planning and if any are considered Level 2 or 3, pay an additional premium to be covered.
Some examples of activities that may be included in your travel insurance plan include:
- Kayaking (inland/coastal waters)
- Cycling
- Scuba diving (up to 30 metres)
- Surfing
- Bungee jumping
- Camping
- Hiking
- Sailing
- Safaris
- Pickleball
- Live Action Role Playing (LARP)
Some activities also have special conditions and exclusions, so make sure you read your policy and understand what is covered by travel insurance for activities and adventure sports. If you have any questions about what activities are covered, you can contact us.
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What types of medical expenses may be covered if I get injured?
All of the single trip and annual multi-trip plans offered by World Nomads include travel insurance for medical emergencies that may cover a variety of expenses, including:
- Physician costs
- Hospitalization
- Prescription medication
- Tests needed to diagnose your condition
- Ambulance transport
Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000 CAD.
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Do I still need a Government Health Insurance Plan while travelling?
You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000 CAD.
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Will travel insurance pay for sporting equipment lost by my airline?
World Nomads adventure sports travel insurance includes coverage for baggage and personal effects and sporting equipment. If your checked bag or sporting equipment is lost or damaged by a common carrier, you may be able to be reimbursed for certain items that you can prove you owned (maximum limits and per-item limits apply). You’ll want to speak to the airline about reimbursement first, though. Your travel insurance for your baggage, personal effects and sporting equipment won’t kick in until you’ve exhausted the benefits from the source of your loss.
If your sporting equipment is delayed by your airline more than 12 hours on the way to your destination, you could also be reimbursed (up to the maximum limit shown in your policy documents) if you need to rent sporting equipment while on your trip.
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Are adventure sports and activities covered if I’m travelling in Canada?
Yes, you may be covered for trips within Canada, but only if you’re travelling outside of your home province. You will still need to make sure the activities you’re participating in are covered within your chosen plan. If you have any questions about what activities are covered, you can contact us.
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Do I get my money back for activities I paid for in advance if I have to cancel my trip?
Trip cancellation coverage is included in all World Nomads Travel Insurance plans for adventure sports and activities, and you may be reimbursed for prepaid, unused, non-refundable expenses such as tours and excursions if your trip is cancelled for a covered reason. Other expenses such as prepaid, unused, non-refundable flights and hotel accommodation may be reimbursed as well.
If you think there’s a possibility that you may cancel your trip for a reason that isn’t included, you may want to consider the optional ‘Cancel for Any Reason’ add-on. The ‘Cancel for Any Reason’ travel insurance coverage isn’t automatically included, but it’s an optional add-on you can select if you purchase the Explorer or Epic plan within 15 days of paying the first payment or deposit for your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate.
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)
Travel insurance for water sports and activities
What to know when getting your adrenaline rush in and around the water
- As featured in:
As featured in:
Making the most of stand-up paddle-boarding SUP in Asia, a casual reef snorkeling experience in Hawaii, or maybe you want to dial up the adrenaline and go parasailing in Canada.
As fun as they sound, water sports activities aren’t always smooth sailing. World Nomads travel insurance can help you keep your head above water if the unexpected occurs.
- What does World Nomads travel insurance cover?
- What types of water activities and sports are covered?
- Different levels of cover and optional extras
- What's not covered
- Tips for your water activity and sports trip
What does World Nomads travel insurance cover?
As a team of professional travel tragics ourselves, we know how important it is to cover yourself against the unexpected. Medical costs in overseas hospitals can be exorbitant, and that’s just the tip of the iceberg.
Depending on your Country of Residence and your selected plan, travel insurance may help if:
- You’re injured and need medical transport or evacuation home.
- You want cover for your bags and valuables in case they’re lost, stolen or damaged. Keep the paperwork and receipts for your gear.
- You need to cancel yout rip or your trip is unexpectedly delayed.
- You’ve already left home and need to buy travel insurance.
- You want cover for some Coronavirus-related events.
- You need cover for overseas medical expenses and hospitalization costs.
- You’re looking for cover for adventure sports, activities, and experiences.
Your coverage will vary according to your country of residence and whether you choose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage.
What types of water activities and sports are covered?
Whether you want to be in, on or under the water, having insurance as a safety net can be a good idea. These are just some of the many water sports covered under our plans:
- Wakeboarding
- Kiteboarding
- Windsurfing
- Boating (inland and coastal waters)
- Parasailing
- SUP
- Rowing/sculling
- Jet skiing
- Water skiing
- Tubing
and many more activities, sports and experiences…
*All plans are different and may require an upgrade for some water activities and sports. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or water sport option for your trip.
Differents levels of cover and optional extras
With cover for more than 200 activities, sports and experiences, our team of travel experts are all about supporting you as you venture into the global depths.
When considering the specific water or non-water related activities, it’s vital that you decide on what you’ll be doing before going overseas. You cannot add sports or activities after purchasing a policy.
World Nomads has several Level 1 activities, sports and experiences which you’ll be covered for automatically and are usually lower risk activities. For example, snorkeling, parasailing (over water only), water skiing and whitewater rafting are automatically covered under both Standard and Explorer plans.
You may want to push some boundaries and add some more intense activities and sports that are categorised as Level 2 or above. For example, parasailing, deep sea fishing, and water skiing (barefoot) require an additional premium under either plan. The Explorer Plan covers you for higher risk activities and sports and will cost you an additional premium.
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.
When choosing World Nomads, you’ll have access to two simple and flexible plans – Standard and Explorer. Both plans have several coverage options and optional extras. We offer cover (up to the policy limits) for:
- Overseas medical expenses: whether you’re in a raft traveling at break-neck speed or gliding along behind a boat on skis, if you’re new to these activities, the wobbles are a given. It only takes one fall or jolt to see you wind up with a jarred back, neck or a twisted ankle. Emergency medical bills can ruin your holiday, that’s where insurance comes in.
- 24-hour Emergency assistance: if you’re in a remote area and 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 off a mountain.
- Unexpected weather conditions may interrupt/delay your plans: crazy weather such as tornadoes or cyclones, huge swells, and in some cases tsunami warnings, can delay flights and force operators to cancel pre-booked activities. Our plans may cover unexpected conditions, including natural disasters, trip cancellation and delays.
Whichever plan you go with, you agree to take reasonable care and not put yourself at needless risk while participating in these adventure sports. You must follow any local government or health authority warning or advice.
What's not covered?
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Participation in a water sports competition as a professional athlete
- Sporting equipment damaged from use
- Search-and-rescue mission
- If you travel against medical advice or neglect to adhere to government warnings
- Any adventure activities or sports that aren’t covered by our policies
- Any existing medical conditions, except as may be noted in the policy wording
- Any claims resulting from the violation of local laws
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent or criminal acts.
Tips for your water activity and sports sports trip
- Cover for stolen baggage and sports gear: travel insurance may be able to help if your water sports equipment is damaged or lost in transit. Note: it won’t be able to help if you break something while you’re using it, like your SUP paddle breaks, as exclusions apply to sports equipment in use.
- Monitor weather conditions and consider your fitness: you may want to reconsider your plans for a water-based holiday if you’re traveling to an island nation during the least optimal season weather-wise. You also need to ensure you are fit enough to take on any water-related activities or sports that you plan on doing. There’s no point signing up for cage-diving for instance if you’re prone to panicking or aren’t a proficient swimmer.
- Ensure your activity operators are certified and/or accredited – you should make sure that any activity you do is covered by the appropriate body or you must have the right experience level and accreditation. For example, if you’re scuba diving you must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant association, club or confederation rules and guidelines at all times. Or you must only dive under the constant supervision of a properly licensed diving instructor.
- Do your research regarding vaccinations and entry requirements: if you’re going somewhere remote, ensure you’re up to date with your vaccinations and have taken preventative measures for exotic diseases like malaria, as required by the World Health Organization. Some destinations require proof of these on arrival. Remain up to date with global health warnings by monitoring int and follow the advice of your government.
- Cover for Coronavirus-related events: we offer cover for some Coronavirus-related events that may assist if your trip is derailed by COVID-19. To find out more, read our What’s Covered for Coronavirus article, which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
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 for Great Britain
What Canadians need to know before travelling to Great Britain
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to Great Britain. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Great Britain like hiking, coasteering and biking.
- Policies for Canadians include protection for medical emergencies, trip delays and lost luggage.
Great Britain delivers more than just the iconic sights and experiences of London, although who can resist checking off Buckingham Palace, riding a big red bus and wandering the hallowed halls of the Tower of London? Great Britain comprises Wales and Scotland too, which just might be two of the friendliest countries in the world. Whether you’re enjoying a pint in a pub in Edinburgh or the Cotswolds, hiking the Highlands or wild Pembrokeshire coast, or exploring the wind-worn castles of yesteryear, the UK holds many a Canadian in its spell – almost a million visit each year. With any luck, the worst you’ll deal with is a hangover after a big night out – but it pays to be prepared for more serious surprises. That’s when you’ll be glad you got travel insurance.
Plan Comparisons
Choosing the right travel insurance coverage depends on your trip type and planned activities. We offer four plans – Standard, Explorer, Epic and Annual – each with different coverages or levels of coverage.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your Great Britain trip. 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 Great Britain
With its windswept coastlines, rolling countryside and wild highlands, Great Britain is bigger on adventure than you might expect. Hike or bike the Lake District’s fells or roam Scotland’s Highlands, where lochs, peaks and big skies set the scene. In Wales, Snowdonia delivers mountain hikes and high-speed ziplines for a shot of adrenaline. Down south, Cornwall’s surf beaches draw wave-chasers (don’t forget to pack your wetsuit), while calmer waters invite kayaking, paddleboarding and what locals like to call ‘wild swimming’. Along the coasts of Cornwall, Wales and Scotland, coasteering is another thrill if you’re feeling brave – you’ll scramble over rocks, swim through sea channels and leap into the ocean from rugged cliffs.
Coverage for 250 activities you love + more
Common insurance considerations for Great Britain
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 patting yourself on the back that you sorted your travel insurance before you left home. Hit by a car crossing the street? Fell off your bike on a mountain trail and broke your leg? Ate a dodgy curry and came down with a bad 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.
Missing luggage
Nothing gets a trip off to a rocky start quite like arriving at Heathrow 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 toothbrushes, prescription 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.
Lost or stolen gear
Even the most careful of travellers can face that sinking feeling when they realise they’ve left their passport or wallet on the train, or that an opportunist has taken off with their phone or camera and there’s no hope of getting it back. Whether you bought the lost or stolen item on your trip (and have the receipts to show for it) or carried it with you from home, travel insurance may be able to reimburse you.
Tips for travelling to Great Britain
- Before you leave Canada, check the Canadian government’s safety warnings for the UK and review the latest advice.
- Prevent credit card and ATM fraud by using ATMs in public or secure locations (inside a bank or business). Avoid machines that look tampered with, cover the keypad when entering your PIN and regularly check your statements for unauthorised transactions.
- Avoid walking alone or catching public transport by yourself late at night – stick with others where you can, or take a taxi or reputable rideshare service instead.
- Be wary of accepting drinks from strangers and avoid leaving drinks unattended – drink spiking is known to happen.
FAQ
Here are our most frequently asked questions about cover for Great Britain. 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 Great Britain?
Canadians don’t need a visa for short visits to Great Britain (the UK), typically up to six months. Entry requirements can change, so check official government advice before you travel.
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Is it safe to travel to Great Britain?
England, Wales and Scotland are generally considered safe for travellers, but Canadians are advised to exercise a high degree of caution due to the threat of terrorism – much like other parts of Europe. Petty theft can also be a problem, especially in bigger cities, so keep valuables secure and stay aware of your surroundings.
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What is the best time to visit Great Britain?
Late spring to early autumn (May to September) offers the best weather, longer daylight hours and plenty of festivals. Summer is busiest, while spring and autumn can be a quieter time to visit.
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Is healthcare free for travellers in Great Britain?
Healthcare in Great Britain is not free for most visitors. While emergency treatment may be available, you can be charged for care, making travel insurance important.
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How expensive is Great Britain for travellers?
Great Britain can be expensive, particularly in London, but costs vary by region. Travelling outside major cities and booking in advance can help keep expenses down.
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Can I use my mobile phone and data in Great Britain?
You can use your phone in Great Britain, but roaming charges may apply depending on your provider. Check your plan before you travel or consider a local SIM or eSIM for better value.
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Do I need travel insurance for Great Britain?
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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How do I make a 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)
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What if my passport gets stolen in Great Britain?
World Nomads travel insurance plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the policy towards the replacement of your passport or one or more other travel documents mentioned above.
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)
Travel Insurance for the United Kingdom
Discover how travel insurance for US residents traveling to the UK may cover medical emergencies, lost baggage, cancelations, and plenty of thrilling activities.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
At a glance:
- Travel insurance benefits for the United Kingdom may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across the United Kingdom (cycling and hiking included)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for the United Kingdom?
- Travel insurance for activities in the United Kingdom
- Travel insurance for medical emergencies in the United Kingdom
- Travel insurance for lost and stolen bags in the United Kingdom
- Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
- Tips for traveling to the United Kingdom from the US
- Tips for traveling to Japan from the United States
Famed for its high tea and theater (hello, Shakespeare!), historic cities like Edinburgh and Bath, edgy nightlife in East London, idyllic countryside, and the remote, rugged islands of Scotland like the dreamy Isle of Skye, the United Kingdom draws millions of Americans every year.
You can taste smoky whisky across Scotland’s Speyside, pub hop in Manchester, relax in a stone cottage in the Cotswolds, celebrate at Notting Hill Carnival in West London, and amble through castles and along coasts in Wales.
While a trip to the United Kingdom is an amazing experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels, and we encourage you to look into travel insurance* to protect your adventures to the United Kingdom.
Do I need travel insurance for the United Kingdom?
International travel can bring all kinds of unexpected surprises - like stumbling across centuries-old ruins along the Scottish coast.
Some surprises are not as great though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you fall and injure yourself while hiking in Cairngorms National Park, you may then wish that you had travel insurance for the United Kingdom.
World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in the United Kingdom
You may be planning some hikes in West Midlands or hoping to catch some waves in Cornwall. The United Kingdom is filled with all sorts of adventures such as stargazing in Northumberland International Dark Sky Park. World Nomads covers more than 250 activities for Americans traveling to the United Kingdom and includes things like surfing, camping, and hiking.
Before you get a quote for your travel insurance for the United Kingdom, it’s a good idea to have an idea of which activities you’d like to do. Each insurance plan covers different activities so with a rough itinerary, you can select the best insurance for your adventure.
For example, rock climbing in the Peak District is covered under all World Nomads insurance plans. Kayaking, windsurfing, and paddle boarding in the Lake District, among other water sports, are covered as well. If you’re planning to cliff jump in scenic Port Gaverne off the coast of North Cornwall, though, you’ll need to upgrade from the Standard Plan and purchase the Explorer or Epic Plan.
Travel insurance for medical emergencies in the United Kingdom
While the United Kingdom doesn’t have as high as peaks as some other destinations, accidents can still happen. You might be trying to ascend Snowdonia—a popular climbing area in Wales—and slip and fall. If you need to seek emergency medical attention, your travel insurance for the United Kingdom may help you get the care you need.
If you have a medical emergency when traveling to the United Kingdom, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. In general, the United Kingdom has reliable health care, and your World Nomads travel insurance can help you navigate the system.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for the United Kingdom may cover the costs to get you there.
To streamline your experience seeking medical treatment in the United Kingdom we recommend signing up for Portable Health Records before your trip. This non-insurance service partner makes your documents, prescriptions, test results, and emergency contacts accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.
Travel insurance for lost and stolen bags in the United Kingdom
Nobody plans for lost bags, but it happens. If you’re planning to climb Ben Nevis, the UK’s highest peak, you probably packed your new pair of hiking boots. If you get to Glasgow and realize that your bag hasn’t arrived, your travel insurance for the United Kingdom may reimburse you for the cost to replace your hiking boots and other belongings.
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Generally, the United Kingdom is a safe destination. Pickpockets can happen occasionally, though, especially in larger cities. You’ll especially want to be careful with public transportation like the Tube in London, which can get super crowded. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for United Kingdom.
You’ll need to do your part in keeping your belongings safe as well. If you have a few too many pints of Guinness during a pub crawl in Belfast and lose your wallet, World Nomads travel insurance won’t cover your loss.
Travel insurance for canceled, interrupted, or delayed trips to the United Kingdom
Even if you have the perfect getaway planned, things happen that can cancel, interrupt, or delay your trip. Before you get a quote, make sure your insurance plan for the United Kingdom covers trip cancelation and interruptions so you can be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.
Sometimes unexpected situations happen that can derail your plans. What happens if you get sick a few days before leaving for the UK? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for the United Kingdom that includes cancelation coverage may reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
With the Explorer or Epic Plan, several travel inconveniences are covered as well. For instance, if you’re on a road trip through the colorful villages and wild coast of Northern Ireland and your rental car breaks down, causing you to be at least 12 hours late to your scheduled destination or return destination, you may be reimbursed for covered expenses incurred.
Tips for traveling to the United Kingdom from the US
Although the UK is typically a safe country, we encourage you to check out the US government’s safety warnings for the United Kingdom before you leave for your trip. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for the United Kingdom, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Not exactly known for its sunny skies, the weather in the UK can change at the drop of a hat. Come prepared for rain, sun, and chilly, windy days. While a change in weather might just mean ducking into a cozy pub if you’re wandering around London, be careful with weather in Wales, Scotland, and other coastal and mountainous regions. Weather can change without notice, which can create dangerous conditions if you’re on a slippery peak or windy cliff.
Consider exploring the United Kingdom by train! The region is well-connected by short- and long-distance routes. Train travel is a fun way to slow down and reduce your carbon footprint, while watching the green pastures of farms and forests flicker by.
*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 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
- 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)
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 for Trips With Adventure Sports and Activities
US Residents may be covered for 250+ adventure sports and activities while on a trip
- As featured in:
As featured in:
At a glance
- World Nomads offers plans that include travel insurance benefits and non-insurance services for 250+ adventure sports and activities
- The Epic and Explorer plans cover even more activities and adventures
- If you get seriously injured while traveling and participating in covered activities, you may be reimbursed for things such as x-rays, a hospital visit, and prescription medication
- Why should you consider travel insurance that may cover adventure sports and activities?
- What May Be Covered for 250+ Adventure Sports and Activities
- Important to Know
- Maximum Benefit Amounts for Accident & Sickness Medical Expenses
- What activities are included?
- Questions to ask when choosing a plan
- FAQs
Why should you consider travel insurance that may cover adventure sports and activities?
Whether you’re going rafting in Costa Rica, hiking in Iceland, or taking on the epic bike trails of New Zealand, the more you do to prepare for your adventure, the more enjoyable your trip is likely to be. There are some things you can’t always plan for, though, like a trip getting canceled because of a hurricane or fracturing a rib while mountain biking. Because of these unexpected situations that can happen while traveling, you may want to consider getting a quote for a single-trip or annual travel protection plan that includes travel insurance benefits for activities and adventure sports.
What May Be Covered for 250+ Adventure Sports and Activities
- Emergency medical expense coverage
- Trip cancellation, trip interruption, and trip delay coverage
- Stolen, delayed, or lost baggage
- Access to non-insurance services, including one that lets you have access to your portable health records when traveling
Important to Know
- You can’t participate in any sport on a professional basis
- Damage to any sports or activity equipment while in use is not covered
- Only trips more than 100 miles from your home may be covered
- Some adventure sports are excluded or have special conditions, so check the list of covered adventure sports
Maximum Benefit Amounts for Accident & Sickness Medical Expenses
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $125,000 per person Get a quote |
Up to $150,000 per person Get a quote |
Up to $250,000 per person Get a quote |
Up to $100,000 per trip Get a quote |
What activities are included?
All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences, and the Explorer and Epic Plans cover even more than that. Some examples of adventure sports and activities travel insurance benefits may cover include:
- Skiing
- Kayaking
- Cycling
- Scuba diving
- Surfing
- Bungee jumping
- Camping
- Hiking
- Rock climbing
- Sailing
- Safaris
- Pickleball
- Live Action Role Playing (LARP)
- Volunteering
The Explorer and Epic Plans offer coverage for more adventurous activities as well, like high altitude hiking or cliff diving. The full list of 250+ activities can be found here. If you’re not sure if an activity is covered, you can contact us and ask.
Questions to ask when choosing a plan
It may be tempting to consider the cheapest coverage option without reading the plan wording. However, you’ll want to pick the plan that has the best travel insurance benefits for the specific activities you’ll be participating in.
When deciding which plan is best matched to your adventures you might want to ask yourself:
- What kind of activities will I be doing on vacation?
- What activities are my travel companions planning?
- What coverage do the different plans offer for these activities?
- What exclusions might apply?
You’ll want to familiarize yourself with all the benefits, limits and exclusions before you buy a plan that includes travel insurance benefits for adventure sports and activities. Contact us if you have any questions about what activities are covered by each plan.
FAQ
Here are our most frequently asked questions about cover for adventure activities. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What adventure sports and activities may be covered by travel insurance benefits?
All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences, and the Explorer and Epic Plans cover even more than that. A few examples of activities that may be covered include: Skiing, Kayaking, Cycling, Scuba diving, Surfing, Bungee jumping, Camping, Hiking, Rock climbing, Sailing, Safaris, Pickleball, Live Action Role Playing (LARP), and Volunteering. Make sure you familiarize yourself with all the benefits, limits and exclusions, and if you have any questions about what activities are covered, you can contact us.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel insurance coverage for adventure sports and activities online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a particular activity, you’ll need to buy your insurance at least the day before you need coverage.
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Are adventure sports and activities covered if I’m traveling in the United States?
Yes, you may be covered for trips within the United States, but only if you’re traveling more than 100 miles from your home. You’ll still need to make sure the activities you’re participating in are covered within your chosen plan too.
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What should I do if I get hurt while on my trip?
If you get hurt while participating in a covered adventure sport or activity, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan.
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If the airline loses or damages my sporting gear, will it be covered?
Your travel insurance benefits for adventure sports and activities includes baggage and gear coverage. If your checked gear is lost or damaged by a common carrier, you may be reimbursed for certain items that you can prove you owned. You’ll want to speak to the airline about reimbursement first though. Your plan is considered secondary coverage, and your travel insurance benefits for baggage and gear may kick in after you’ve exhausted the benefits from the source of your loss.
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Do I get my money back for excursions and tours if my trip is canceled?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses that include tours, excursions, and activities if your trip is canceled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased. Terms and conditions apply.
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)
Travel Insurance for Europe
Traveling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!
- As featured in:
As featured in:
One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Italy, hiking the West Highland Way in Scotland or island hopping in Greece, World Nomads has cover available for you.
What’s Covered
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
- Trip cancellation: one of the biggest questions with any international travel currently is related to cancellations. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your policy carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Family plans: our policies cover up to 8 children and grandchildren (up to 17 years of age depending on your country of residence). Our cover includes 2 adults and up to 8 dependents on the one policy.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
- Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has more details, including benefit limits, terms and conditions, and exclusions.
Why should I consider travel insurance when visiting Europe?
Europe covers a massive area and is made up of a diverse range of countries, climates, cultures and people. In most cases, travelling goes off without a hitch. But having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Multi-Destination Trips
We may offer cover for multiple destinations around Europe or worldwide. You will need to choose either each country you're visiting or if you're unsure where you'll be travelling then pick 'Europe' when you get a quote. If you’re backpacking your way around Europe, staying in hostels, going out on the town and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
Families
Traveling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy complications, coronavirus, trip interruption, and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.
Winter Activities
Winter in Europe is like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences for you and your loved ones to seek out.
Summer Adventures
An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking & rafting and even sailing.
We offer two plans for depending on your country of residence – 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.
- Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at levels 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance.
How do the levels of activity and sports cover work?
- (1) Level 1 - Automatically covers Level 1 sports, activities & experiences and non-manual work in the Standard Plan and Explorer Plan.
- (2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences, non-manual and manual work.
- (3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences and manual work.
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Wording for details or contact us.
What to look out for when travelling around Europe
- Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim.
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unattended. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
- Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our policies can also offer cover for your rental vehicle insurance excess.
- Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.
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 (see state.gov)
- Unattended baggage or personal items, including any items left in a locked car overnight.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
- Pregnancy and/or any related pregnancy complications, except as described in Health conditions & your policy in the Policy Wording. Costs or losses otherwise associated with a single or multiple pregnancy or childbirth including, but not limited to, caesarean section or any other medically or surgically assisted delivery which does not cause medical complications.
Handy tips for traveling in Europe
- Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
- Pack light – especially if you’ll be travelling around Europe using public transport.
- Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S resident in Spain
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- 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?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
A true claim story
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 Europe
Travelling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!
- As featured in:
As featured in:
One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Switzerland, hiking the Via Ferrata in Italy or sailing the seas of Croatia, World Nomads has cover available for you.
What’s Covered
World Nomads offers coverage (up to the policy limits) for:
- Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your plan, you may be able to recover your travel expenses.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes 2 adults and up to 8 dependents on the one policy.
- Adventure, activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
- Cover for some Coronavirus-related events: Both our plans offer cover for coronavirus-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has more details, including terms and conditions, benefit limits and exclusions.
What to look out for when travelling around Europe
Multi-Destination Trips
If you’re backpacking your way around Europe, staying in hostels, going out on the town, and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
Families
Travelling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy, coronavirus, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.
Winter Activities
Winter activities in Europe are like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences.
Summer Adventures
An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking and rafting and sailing.
We offer two plans for New Zealand residents – 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.
- Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at level 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance.
How do the levels of activity and sports cover work?
Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan. Low-risk adventure sports and activities listed as Level 1.
Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences. Higher-risk adventure sports and activities listed as Level 2.
Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences. Highest-risk adventure sports and activities listed as Level 3 (including snow sports).
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Document for details or contact us.
What to look out for when travelling around Europe
- Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim.
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unsupervised. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
- Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our Explorer plan can also offer cover for your rental vehicle insurance excess.
- Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.
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 (see safetravel.govt.nz)
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Unsupervised baggage or personal items, including any items left in a locked car overnight.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Being intoxicated by alcohol or drugs.
- Any pregnancy-related illness after the 26th week of gestation. *Childbirth; regular antenatal care; care of a newborn child.
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.
New Entry/Exit System (EES) starts October 2025
If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.
The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.
Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
ETIAS delayed until 2026
The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.
Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go.
The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.
While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.
Learn more about the ETIAS by checking out our Travel Wiser article.
Handy tips for travelling in Europe
- Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
- Pack light – especially if you’ll be travelling around Europe using public transport.
- Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.
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.
True Claims Stories
Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S resident in Spain
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- 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?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team