Ready to reconnect?
Reunite with your family. Reconnect with nature. Disconnect from the daily grind. Whatever your reason for traveling, we’re here to help protect your trip.
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We're ready when you are
Wherever you’re going, we’ll meet you there. In this unpredictable world, it’s important to travel safer and smarter. Whether you’re planning your reunion or your escape, let us help you travel with confidence.
Travel insurance benefits: how we can take care of you
Emergency medical coverage
If you get sick or injured, our plans have emergency medical coverage and other related benefits to help.
Trip cancellation
If you need to unexpectedly cancel for a covered reason, we may be able to help you recover your investment.
Adventure sports and activities
We love to explore our boundaries when we travel, which is why we cover more than 150 adventure activities.
Buy cover while travelling
If you’re traveling and forgot your travel insurance, you can buy a plan online at any point of your journey.
24/7 Emergency Assistance
Our team can help you out in a crisis at any hour of the day, no matter where you are in the world.
Support local communities
Though our Footprints micro-donation program, you can help support good causes and communities in need.
Related articles
Travel Insurance for a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Croatia offers travelers the perfect conditions to enjoy the rich beauty of its forests and coastlines or to soak in the excitement of its vibrant cities such as Zagreb and Split. Smaller cities such as Rijeka and Zadar are perfect for travelers seeking a more laid-back and off the beaten track Croatian adventure.
However, before you step foot on this romantic land of pebbled beaches, historic villages, and awe-inspiring waterfalls, you may want to consider buying travel insurance, as even the most careful travelers can run into danger or unforeseen events when they’re not expecting it.
- What’s covered
- Why should I consider travel insurance when visiting Croatia?
- What to look out for when traveling around Croatia
- What’s not covered?
What’s covered
The following is just a brief list of what World Nomads may cover under our Standard and Explorer plans. Depending on your Country of Residence and the plan you choose, World Nomads plans may offer cover (up to the benefit limits) for:
- Overseas emergency medical – if you get sick or injured you may be covered for hospitalization (in-patient or out-patient) and for treatment at a medical center. You must contact our 24/7 Emergency Assistance Team as soon as possible as they can inform you of the nearest medical facilities. They will oversee your course of treatment by checking in with your treating doctor.
- Extended stays – if you’re having too much fun in Croatia and want to stay a few extra days or weeks, then you may extend your travel insurance policy for a maximum of one year past the start date listed on your Certificate of Insurance. This must be done prior to the current expiration date of your policy.
- Medical evacuation and repatriation – if you’re injured and need to be repatriated back to your Country of Residence, then this must be approved by our 24/7 Emergency Assistance Team and your treating doctor first. The costs involved in your repatriation may be covered depending on which plan you have selected.
- Lost or stolen luggage and personal belongings – lost, stolen, or damaged baggage and valuables on holidays can be a very stressful experience. If this happens to you, then you’ll need to submit your receipts, police reports and witness details (if your belongings were stolen). Claims without any substantiating documents may not be approved.
- Cover for some Coronavirus-related events – for all the terms, conditions, limitations and exclusions relating to this type of cover, please read our Coronavirus cover article.
To view the entire list of what we cover, along with the terms, benefit limits and exclusions, please check your policy wording.
Why should I consider travel insurance when visiting Croatia?
World Nomads offers two plans, the Standard and Explorer plan, which both cover many of the same risks including lost baggage, emergency medical treatment and repatriation back to your Country of Residence. However, our Explorer Plan gives a broader range of cover, with more benefits and higher limits. Ultimately you should consider selecting the plan that gives you the most adequate level of cover for the activities that you wish to pursue on your Croatian holiday.
Here are just a few of the reasons why travel insurance could come in handy when planning a trip to Croatia:
Natural Catastrophes – like many countries around the world, Croatia has a history of being struck by earthquakes that can render hotels and hostels uninhabitable.
Crime – as is the case in most countries of the world, opportunistic thieves scrutinize crowds of tourists, planning when they can snatch an unattached handbag or shopping bag from a traveler whose attention is otherwise engaged.
Adventure activities - whatever activities you might be into, Croatia offers travelers plenty of verdant forests, jagged mountain ranges and pristine beaches to tantalize even the most hardcore adventure seekers.
You should check your policy wording to ensure you pick the best plan for your favorite sports and activities. For example, before you begin your hiking expedition through Risnjak National Park, you would need to know the altitude limit for hiking listed within your chosen policy.
Our plans have different levels of cover for hiking at altitudes of 3,000 meters (Level 1), 4,500 meters (Level 2) and 6,000 meters (Level 3). Certain exclusions apply to every policy. One such exclusion is search and rescue missions.
If you feel unsure about whether your volunteer activity is covered, you can get in touch with our Customer Service team and they will be able to assist you.
Here are just a few of the 150+ adventure activities that we cover:
- Sandboarding
- Backpacking
- Snorkeling
- Hiking & trekking
- Surfing
- Scuba diving
- Mountain climbing
Travel insurance tip – If your booked accommodation is damaged by any type of natural catastrophe such as a hurricane, flood, or earthquake, then your policy may cover you for the costs of relocating to and staying in a different hotel or hostel. This cover is only available on the Explorer Plan.
Travel insurance tip – if any of your belongings are stolen, go to your nearest police station and report the incident. Request a police report, as you’ll need this if you wish to claim. When making a claim, include all supporting documentation such as witness statement details, receipts of purchase, police reports and surveillance footage (if the incident was caught on film).
What to look out for when traveling around Croatia
If you have a passion for adventure activities such as hiking, mountain climbing and diving, then you won’t have difficulty passing the time when you visit Croatia. However, travelers need to be aware of the hidden dangers that lie beneath the rugged natural beauty.
When trekking the mountains and forest regions, always keep to the established hiking trails and try to avoid wandering off into the undergrowth. Landmines remaining from the Croatian War of Independence several decades ago may still pose a threat to anyone passing through the wilderness.
Croatia’s coastlines provide ample opportunities for cliff jumping enthusiasts. We do offer cover for cave/cavern diving, scuba diving and free diving (up to 50 meters), but please be aware that special conditions and exclusions apply to these activities. Always check your policy wording to ensure that any of your selected activities and sports are adequately covered. Please note that we won’t cover you for cliff diving under any of our policies.
What’s not covered?
Below is a limited list of what our travel plans do not cover. To view the entire list of benefits, limits, and exclusions, please refer to your policy wording.
- Pre-existing conditions as explained in your policy.
- Any course of treatment that you had already been having back home prior to your holiday.
- Unattended luggage and personal belongings that are stolen, lost, or destroyed.
- Incurred expenses which organizations such as hotels or airlines are liable for.
- If you are breaking the law.
- If you do not cooperate with the efforts of local authorities and our 24/7 Emergency Assistance Team to repatriate you back to your Country of Residence.
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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling
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World Nomads travelers love experiencing the culture and places they visit, which is why we’ve designed our travel insurance plans to offer cover for more than 150 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Coverage varies between plans, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
Adventure sports, travel insurance and what’s covered by our plans
Sometimes things don’t go quite as expected, so if you take a tumble out of that sled, or fall out of the raft and are injured, travel insurance may be able to help. All our plans include cover for
24/7 emergency assistance: our teams are available to take your call and can help you negotiate the medical systems and possible language barriers wherever you are.
Some of the benefits our policies offer that might help if you’re injured while participating in a covered sport or activity include:
- Overseas emergency medical treatment: includes cover as needed for hospital stays, medical costs, tests such as x-rays, drugs and medicine.
- Medical evacuation: if needed – travel insurance can help with evacuation and ambulance services, and in the worst case scenario repatriation back home.
- Trip interruption: if your trip is cut short because of a medical event whilst participating in a listed adventure sport or activity, you could be reimbursed for your pre-paid, non-refundable travel costs.
- Baggage: travel insurance may be able to help if your sport equipment is damaged or lost in transit. Note it won’t be able to help if you snap your board while surfing, as exclusions apply to sports equipment in use.
What activities are covered?
With more than 150 sports and activities covered under our Standard and Explorer plans, you can get the most out of your holiday. You can find the full list of sports and activities covered here – select your Country of Residence to see those that apply to you. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.
Questions to ask when choosing a plan
When choosing a policy, you should consider your plans and any activities you might choose to do, and the cover available. Once purchased, you can’t upgrade your policy – you can however buy a new policy even if you’re already overseas.
We have two policies to choose from – Standard and Explorer. While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. This means you may find the Explorer Plan has more generous activity conditions and limits than the Standard Plan. You should also note that depending on your Country of Residence, you may be required to add the activity at the time of the purchase, in order to have coverage for it.
When deciding which policy is best suited to your adventures you might want to consider:
- What kind of activities will I be doing on holiday?
- What activities are my travel buddies planning?
- What cover do the two different plans offer for these activities?
- What exclusions might apply?
It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
What’s not covered
There are also things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads.
- Participating professionally in any activity or sport (eg: medical volunteering).
- incidents that occur if you are intoxicated with drugs or alcohol.
- Reckless behavior or taking needless risk.
- Extreme sports, other than what is listed as covered.
- Participation as a professional in athletics.
- Sporting equipment damaged while in use.
Overseas adventure activity tips to help you have a safer experience
Your activity operator should be certified/accredited
Make sure operators are certified and/or accredited by the appropriate body. For example, diving instructors should be registered with the Professional Association of Diving Instructors (PADI).
The right gear
When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a scooter.
Health and fitness
Think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. And if you’ve any more questions, please get in touch.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
What Does Domestic Travel Insurance Cover?
Four travel benefits you shouldn't leave home without
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Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Brazil doesn’t mean that you won’t need backup if your travels take a turn for the worst.
World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road.
Why do I need travel insurance if I'm travelling domestically?
It doesn’t matter if you’re on a distant continent or in an adjacent state – you could sprain your ankle, get into a car accident, or get delayed by inclement weather just about anywhere. A good travel protection plan can help prevent any of these unexpected events from turning into full-blown disasters.
Benefits
Accidents and emergencies can happen in your own backyard – which is why it’s important to consider these four main benefits of domestic travel insurance.
- Unexpected trip cancellation: An illness of an immediate family member or a work emergency can cause you to cancel your trip, and World Nomads travel insurance can help you recover your pre-paid non-refundable trip costs for these and other covered reasons.
- Medical emergencies: Hospital bills and emergency office visits can really add up, especially when your health insurance won’t cover you out of state. These costs alone are a reason to purchase travel insurance for your domestic travels.
- Trip interruption: Sometimes you can hit a bump in the road – in a literal and figurative sense. Maybe the Brazilian government issued a ‘defer travel’ warning or maybe your travel companion got sick. This benefit covers meals, hotel stays and any other surprise expenses you could incur as a result of the setback.
- Medical evacuation and repatriation: Sometimes the best place to get medical treatment is at a hospital back home. Be sure to call the 24/7 Emergency Assistance team to get approval.
Exclusions
It is important that you read and understand your coverage. There are limits and exclusions that apply to all insured travellers.
- Alcohol- and drug- related incidents: There is no coverage for any alcohol-related sickness, death or injury or the abuse of medication, drugs or any other toxic substance.
- Any losses related to the participation in illegal activities: For example, if you get injured while looting a store during a riot.
- Select personal belongings, such as bicycles, professional equipment, and musical instruments.
- Travel supplier cancellations: If your airline or tour operator decides to cancel, you should seek refunds and credits or reschedule your trip directly with your supplier.
Why World Nomads travel insurance?
Along with the benefits above, World Nomads travel insurance also includes important assistance services and features such as:
- 24/7 Emergency Assistance team that can help you rebook flights, locate lost luggage, or replace stolen credit cards.
- Our global network of security experts are on call 24/7. You can consult them for safety advisories and evacuation assistance.
- Our adventure sports and activities coverage is part of our plans. Read our article on what adventure travel insurance covers.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Seguro Viagem Nacional
As coberturas e o serviço que você já conhece, agora também para viagens domésticas. Cobertura em todo o território brasileiro.
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Talvez sua próxima viagem não inclua cruzar um oceano ou embarcar em uma longa viagem de avião. Mas só porque você está viajando dentro do Brasil, isso não significa que você não precisará de apoio se algo der errado.
A cobertura da World Nomads para viagens domésticas começa quando você sai de sua casa e fornece proteção essencial contra uma ampla gama de contratempos que você pode encontrar na estrada.
Por que preciso de um seguro viagem se estou viajando em território nacional?
Não importa se você está em um continente distante ou em um estado adjacente – você pode torcer o tornozelo, sofrer um acidente de carro ou atrasar-se pelo mau tempo em qualquer lugar. Um bom plano de proteção de viagem pode ajudar a evitar que qualquer um desses eventos inesperados se transforme em um desastre.
Coberturas
Acidentes e emergências podem acontecer no seu próprio quintal – e é por isso que é importante considerar esses quatro principais benefícios do seguro viagem doméstico.
- Cancelamento de viagem: uma doença de um familiar imediato ou uma emergência de trabalho pode fazer com que você cancele sua viagem e o Seguro Viagem World Nomads pode ajudá-lo a recuperar algum de seus custos de viagem pré-pagos não reembolsáveis por esses e outros motivos cobertos.
- Emergências médicas: despesas hospitalares e as visitas ao pronto-socorro podem ser consideravelmente mais caras, especialmente quando seu plano de saúde não possui cobertura fora do estado que você mora. Esses custos, por si só, são um ótimo motivo para comprar um Seguro Viagem para suas aventuras pelo Brasil.
- Interrupção de viagem: Às vezes, você pode encontrar um obstáculo na estrada – no sentido literal e figurado. Talvez o governo brasileiro tenha emitido um alerta de perigo ou seu companheiro de viagem tenha ficado doente. Este benefício cobre refeições, estadias em hotéis e outras despesas surpresas que você possa ter durante a sua viagem em território nacional.
- Evacuação médica: Às vezes, o melhor lugar para receber tratamento médico é em um hospital pertinho de casa. Certifique-se de ligar para a equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, para obter mais informações e as devidas aprovações.
Exclusões
É importante que você leia e entenda sua cobertura. Existem limites e exclusões que se aplicam a todos os viajantes segurados.
- Incidentes relacionados com álcool e drogas: Não há cobertura para qualquer doença, morte ou lesão relacionada ao álcool ou abuso de medicamentos, drogas ou qualquer outra substância tóxica.
- Quaisquer perdas relacionadas à participação em atividades ilegais: Por exemplo, se você se machucar ao saquear uma loja durante um tumulto ou manifestações.
- Pertences pessoais: Por exemplo, bicicletas, equipamentos profissionais e instrumentos musicais.
- Cancelamentos por parte de fornecedores de viagens: Se a companhia aérea ou operadora de turismo decidir cancelar sua viagem, você deve solicitar reembolsos e créditos ou remarcar sua viagem diretamente com seu fornecedor.
Este é apenas um resumo da cobertura e não inclui todos os termos e condições da apólice. É importante que você leia e entenda sua apólice, pois ela contém benefícios, condições, exclusões e exclusões de condições pré-existentes. Se você não entender sua cobertura ou se tiver dúvidas, basta nos perguntar.
Por que comprar o Seguro Viagem da World Nomads?
Além dos benefícios acima, o Seguro Viagem World Nomads também inclui importantes serviços e recursos de assistência, como:
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Equipe de Assistência Emergencial, disponível 24 horas por dia, 7 dias por semana, que pode ajudar você a remarcar voos, localizar bagagem perdida ou substituir cartões de crédito roubados.
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Nossa rede global de especialistas em segurança está disponível 24 horas por dia, 7 dias por semana. Você pode consultá-los para obter dicas de segurança e assistência paraevacuação.
-
A cobertura de diversos esportes e atividades de aventura faz parte de todos os nossos planos. Leia o artigo com mais detalhes sobre nossa cobertura de esportes e atividades de aventura.
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
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
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
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
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
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotaçãoWhat to do if you have to cancel your trip due to illness or injury
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- Rearrange or cancel your bookings straight away
- Provide all written documents
- Don’t forget your receipts
- Cover for some COVID-19-related events
- Need to know more?
- What does my travel insurance cover?
1. Rearrange or cancel your bookings straight away
If you’re injured or get ill during your overseas holiday, ask your treating doctor to give you a report or medical certificate stating your diagnosis and period that you will be unfit for travel. Then contact the airlines and hotels with whom you have bookings as soon as reasonably possible. Try to make alternative arrangements for when you’ll be fit to resume your holiday.
If your doctor believes there is no option but to cancel your holiday and return home, then you may be covered for any of your previously paid, non-refundable expenses. However, if you are only unfit for a brief period, then your expenses may only be covered for the time stated on your medical certificate, not for the remainder of your holiday.
Don’t leave it to the last minute to cancel or rearrange your hotel or airline bookings as this may lead to additional costs. If you delay notifying these organisations, then your claim for expenses may not be approved.
Any cover offered for accommodation and flights will only be made up to the maximum benefit limits stated in your PDS. That’s why it’s important to read through your policy so that you know the applicable terms, limits, exclusions, and benefits.
2. Provide all written documents
To submit a claim for expenses, you’ll need to submit all the medical reports related to your illness or injury, as well as general correspondence regarding your cancellations. Examples of reports you’ll need to provide include:
- The treating doctor’s report or medical certificate must state the diagnosis, date of injury or when you first noticed the symptoms of your illness, and period that you’ll be unfit to travel.
- The specialist’s report and other medical reports including any medical imaging and pathology reports.
- A hospital admission report confirming the dates that you were admitted and discharged.
- Emergency medical transport reports if you were taken to hospital by an ambulance or helicopter.
- Police report (if the police were called to the scene of your accident).
- Emails or letters from hotels or airlines regarding your cancellations.
- Your itinerary.
3. Don’t forget your receipts
If you cannot provide receipts for your accommodation, flights, and treatment expenses, then your claim may be dismissed, or any payment that you do receive might only be for a minimal amount. Types of receipts that you’ll need to provide include the following:
- Receipts for doctor’s consultations, hospital stays, medical imaging tests, and consultations with any allied health providers.
- Pharmaceutical products.
- Accommodation, flights, train or bus journeys.
4. Cover for some COVID-19-related events
If you or one of your travelling companions’ contracts Coronavirus (COVID-19) during your overseas holiday, and have to cancel the rest of your trip, then your pre-paid, non-refundable travel expenses may be covered if you have selected the Explorer Plan.
You’ll need to ask your treating doctor for a report stating the diagnosis of COVID-19, as well as a pathology report or public health statement indicating a positive COVID-19 result.
If you are diagnosed with COVID-19 within the 72-hour waiting period after being issued with your Certificate of Insurance, then your non-refundable travel expenses may not be covered.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover varies between plans.
5. Need to know more?
This information may help if things go wrong and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your PDS will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
What does my travel insurance cover?
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
- As featured in:
As featured in:
Travel Insurance when visiting Croatia
Always exciting and beautiful, Croatia has enjoyed a surge in tourism in the last decade, especially in the summer. Croatia has incredible national parks, such as those in Krka and Northern Velebit, a vibrant capital, Zagreb, and picturesque beaches on the Adriatic coast.
- Lost, stolen or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our 24/7 Emergency Assistance Team
- Cover for activities and sports when in Croatia
- Are you looking for more travel inspiration for Croatia?
While you dream of exploring the popular TV show locations in Dubrovnik, take in the bustling restaurants and bars of Split, or delve into the history and museums located in Zadar, you may want to consider some travel insurance for any unexpected events that may occur.
Lost, stolen or delayed baggage cover
It can throw a spanner in the works to arrive in Zagreb and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. If you're bags get lost in transit, or are stolen or damaged along the way, baggage insurance may be able to help.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
World Nomads may offer cover (up to the policy limits) for loss, theft or damage to baggage or personal items depending on your specific situation, see below:
- Bags stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged, please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. Insurance won’t cover bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- Bags delayed: you may be covered if your bags were lost in transit. You’ll need to report the incident and get a Property Irregularity Report, or a similar official report, in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your country of residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to Croatia, travel insurance may help if you become unwell or have an accident, especially in these uncertain times of traveling and dealing with Coronavirus (COVID-19). You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your country of residence.
With Coronavirus causing travel disruptions globally, it’s also important that you follow any government guidelines while in Croatia. It’s always a good idea to wear a face mask when visiting any of Croatia’s popular hotspots.
The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team
Dealing with a medical emergency can be frightening and confusing, but you don’t have to go through this experience on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, need help with a foreign language, help out with admin and arrange for payment of expenses if necessary. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Croatia
If you’re looking to get your adrenaline levels up and you go hiking, backpacking, or rock climbing in one of Croatia’s eight incredible National parks, World Nomads offers travel insurance cover for 150+ activities and sports. Please check your Policy Wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
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.
Are you looking for more travel inspiration for Croatia?
World Nomads has various articles that cover a range of fun topics on Croatia, such as 7 places in Croatia you haven’t heard of , 7 safety tips for travel around Croatia, and the latest travel alerts for Croatia.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Travel insurance tip 1: never leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices (tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices), jewelry, specified high- value items, travel documents, cash and credit cards with you at all times. If you can’t, then leave them in a secure place such as a locked safe. Remember that if you buy anything, before or during your trip, to keep all receipts.
Traveler Tip 2: undetonated landmines from the Croatian War of Independence in the 1990s are littered throughout some mountains and woodland areas, so it’s best to stick to the commonly used hiking trails.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
- As featured in:
As featured in:
Currently there is no content for US residents visiting this destination. To ensure Germany is covered head over to World Nomads USA and get an instant travel insurance quote.
Whatever your plans are when jetting off to Germany, World Nomads travel insurance may be able to help keep your plans on track when you need it the most - you might be planning a family camping trip in East Bavaria, going solo on a summer trip to Rugen Island, or maybe mountain biking with your travel buddy at Bikepark Winterberg.
- What's covered
- Getting adventure sports coverage
- Support for medical emergencies
- Road safety on the Autobahn and in general
- Keep an eye on your gear 24/7
- What's not covered
What's covered
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around Germany.
World Nomads offers cover for many activities ranging from mountain biking to skiing, surfing, kayaking and scuba diving. All our plans offer cover for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Lost or delayed baggage
- Travel delay/interruption
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Getting adventure sports coverage
World Nomads can support you on a variety of outdoor adventures, with coverage for more than 150 activities and sports. You may need to compare the Standard or Explorer plans to see which activity levels are covered on each plan. Depending on your country of residence, you may need to add activities to your policy for an additional fee.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: your treks may only be covered up to a certain elevation, or your scuba dives only to a certain depth.
Please check your policy for any exclusions, such as search and rescue missions and professional sports.
Support for medical emergencies
Germany is one of Europe’s most-visited adventure travel destinations and with that comes the possibility that you may be injured or worse. Your travel insurance can back you up if you’re injured or fall ill and need urgent medical assistance.
Our 24/7 Emergency Assistance Team can get you help on the ground when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
Get in touch with the team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Road safety on the Autobahn and in general
Road conditions can be tricky in Germany, especially if you’re planning a long road trip on the Autobahn. For example, Germany’s legendary Fairy Tale Route ("Märchenstraße") stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea.
Some of our plans have damage collision waiver coverage for rental cars, depending on your country of residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for your claim.
In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help during an emergency if you’re having trouble with a language you don’t know.
Keep an eye on your gear 24/7
While Germany is considered a safe tourist destination, you should always be aware that petty thieves and pickpockets are attracted to big tourist hotpots. When in crowded areas in any German city always maintain a sense of awareness of your surroundings.
It’s very important that you NEVER leave your valuables out of sight. If you're after travel insurance cover for tech gear or need extra cover just in case your bags are delayed or stolen then World Nomads has options for you to keep those prized possessions insured.
Ready to go to Germany but need more information?
Before you pack your bags, read our articles on adventure in Germany, how to survive German Autobahn’s and bikes like a Pro, and our latest travel safety alerts for Germany.
What's not covered
Here are some of the things we don't provide cover for:
- 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’ or ‘Avoid Essential Travel’ warning issued by your Country of Residence.
- Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
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.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
