Horseback Riding Travel Insurance Coverage
US Residents can protect their adventures on horseback
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As featured in:
At a glance:
- All World Nomads plans cover horseback riding, with higher tier plans for rodeos or high-altitude camping.
- Coverage for injuries and medical transport if you're seriously hurt on or off a horse.
- Reimbursement for canceled horseback tours, delays, or interruptions due to covered events.
- Gear & baggage protection helps cover lost, stolen, or damaged riding gear and luggage.
- Why should I consider travel insurance for my horseback riding trip?
- Horseback riding travel insurance benefits
- Plan levels for horseback riding trips
- What's not covered
- Top safety tips we recommend for your horseback riding trip
- FAQs
Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my horseback riding trip?
From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain.
Horseback riding travel insurance benefits and non-insurance services: What may be covered?
As equestrians ourselves, we’ve designed our plans to cover horseback riding while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a horseback riding accident -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off a horse -
Baggage & Gear Coverage
Damaged or stolen riding gear -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your horseback riding plans
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote for travel insurance and non-insurance services and compare the plans to see which level of coverage is right for you.
All plans also include several additional non-insurance services that may support you both before and during your trip. These include 24/7 emergency assistance, delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.
What level of travel insurance coverage do I need for my horseback riding trip?
World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go horseback riding on the beach, you’ll probably be doing other fun things like hiking or swimming. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans covers basic equestrian activities such as horseback riding tours and camping with your horse up to 19,685 feet/6,000 meters
- The Explorer plan covers more activities, including horseback riding in a rodeo. It also has higher limits of coverage and covers camping up to 21,325 feet/6,500 meters
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including camping up to 26,247 feet/8,000 meters. It also has the highest benefit limits of coverage.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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What may not be covered when horseback riding?
- Horseback riding under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Horseback riding or travel within 100 miles of your home
- Injuries to your horse
- Riding horses in a competition or for salary/compensation
Top safety tips we recommend for your horseback riding trip
- Have the right gear: Wearing a helmet is a MUST, no matter how experienced you are.
- Wear proper clothing: Long pants and closed-toed footwear are essential.
- Be prepared: Check the weather, check your equipment, and check the credentials of your riding instructor or tour guide.
- Keep an eye on your gear: Don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
- Saddle up properly: Make sure your saddle is fitted properly. If the saddle is the wrong size, you could be more likely to slip out of it and fall.
- Know your own physical abilities: Horseback riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse. Make sure you are physically capable of riding.
- Don’t startle the horse: Injuries can happen when horses are spooked by things like sudden movements and loud noises.
FAQ
Here are our most frequently asked questions about cover for Horseback riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can horseback riding be covered under World Nomads Travel Insurance?
Yes, basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. If you plan to ride a horse in a rodeo though, you’ll need to have either the Explorer or Epic plan. You can also camp with your horse, but depending on the elevation, you may need one of the higher level plans.
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What types of incidents may be covered while horseback riding abroad?
If your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this could include unused, pre-paid, non-refundable horseback riding tours that you paid for in advance. If you fall off of your horse or you’re at the wrong end of a feisty hoof and you require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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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 online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take 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 horseback riding tour, you’ll need to buy your insurance at least the day before you need coverage.
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What kind of horseback riding activities can be covered by World Nomads Travel Insurance?
Basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. You can also camp with your horse, but depending on the elevation, you may need a higher level plan. The Standard and Annual plans cover camping up to 19,685 feet/6,000 meters, while the Explorer plan covers camping up to 21,325 feet/6,500 meters, and the Epic plan covers camping up to 26,247 feet/8,000 meters. If you plan to ride a horse in a rodeo, you’ll need to have purchased either the Explorer or Epic plan. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what may or may not be covered.
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What should I do if I get hurt while horseback riding?
If you're hurt while horseback riding, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover 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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping could all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you could be reimbursed for pre-paid, unused, non-refundable expenses like flights, horseback riding tours and accommodations if your trip is cancelled for a covered reason. US residents (except those that live in New York) also have the ability to add, at an additional cost, cancel for any reason coverage when certain World Nomads plans are purchased that could refund a portion of your pre-paid, unused, non-refundable travel expenses.
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What happens if my bags are delayed?
If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your plan also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next horseback riding trip?
Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.
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20250716-4665261. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Italy
Explore la dolce vita
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As featured in:
Article at a glance
- Travel insurance is mandatory if you're applying for a Schengen visa.
- Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
- Travel insurance may also cover trip cancellations due to insured events, stolen baggage, and disruptions due to strikes.
- Travelers staying for more than 90 days or travelling for work/volunteering should check visa requirements and policy limits.
- Always read the Policy Wording to understand what’s included and excluded.
From the colorful cliffside villages of Cinque Terre to the ancient streets of Pompeii, Italy delivers big on unforgettable experiences.
Whether you're cycling through vineyards in Piedmont or planning a foodie escape to Bologna, it’s worth considering how travel insurance for Italy can help if the unexpected happens.
- What's covered
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
What's covered
Depending on the plan you choose and your Country of Residence, our trip insurance for a trip to Italy can cover you (up to benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation, delay and interruption
- Stolen or delayed baggage
- More than 150 activities and adventures
- some Coronavirus-related events
We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. It is up to you to choose which plan meets your travel needs.
Why should I consider travel insurance for Italy?
World Nomads travel insurance may come in handy for:
- Medical emergencies: If you come off your scooter in Venice and fracture your wrist, medical travel insurance may help cover these expenses.
- Stolen belongings: Pickpocketing can happen in crowded areas like The Colosseum. Our policies may help with replacing stolen items, including passports and tech. Depreciation applies, see the PDS for details.
- Trip cancelation: If your trip is canceled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
- Luggage delays: If your bags are delayed en-route to Rome and you're left without clothes or essentials, we may reimburse necessary purchases.
- Adventure activities: Planning on hiking the Dolomites? World Nomads can cover more than 150 activities including trekking, skiing and water sports.
Traveler’s tip: you can buy travel insurance when you book your trip or while you're already traveling around Italy. Waiting periods may apply.
What to look out for when traveling to Italy
Going off season
Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.
If you go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Trento in Trentino and Mantua in Lombardy.
Traveler’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.
Pickpockets and other scammers
Be vigilant with your personal items, especially on public transport and busy tourist sites such as Pisa.
If your personal items are stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.
24/7 Emergency assistance
If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is approved.
Top travel tips for Italy
- Travel documents for travel to Italy: a valid passport with at least six months’ validity is essential. You may also require a Schengen visa and proof of travel insurance.
- The new European Entry/Exit System (EES) for all non-EU nationals traveling in or out of the Schengen Area is expected to start in October 2025.
- How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have great Wi-Fi.
- Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.
Looking for more travel inspiration for Italy?
Get more travel inspiration for Italy:
- Skiing in Italy’s Dolomites: 8 important safety tips
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
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 Wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
FAQ for a trip to Italy
Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Do I need a Schengen Visa for Italy?
If you’re not a resident of a Schengen visa country, and depending on your nationality and country of residence, you may need to get a valid Schengen visa to move freely in the 27 EU member states. Additionally, travel insurance is compulsory for those who need a Schengen visa to enter Italy.
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Does World Nomads cover existing medical conditions?
We can’t cover existing medical conditions. You can still purchase a policy, just be aware that there’s no cover for any claim made as a result of a pre-existing condition.
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How do I make a claim?
You can make a claim online from anywhere in the world – it’s fast and easy.
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 companion 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 medication?
- 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
- Hurt abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Italy
Explore la dolce vita
- As featured in:
As featured in:
Article at a glance
- Travel insurance is mandatory if you're Australian and applying for a Schengen visa.
- Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
- Travel insurance may also cover trip cancellations caused by insured events, stolen baggage, and disruptions due to strikes.
- Australian travellers, including those travelling for work/volunteering, staying for more than 90 days should check visa requirements and policy limits.
- Always read the Product Disclosure Statement (PDS) to understand what’s included and excluded.
From the rolling hills of Tuscany to the canals of Venice, Italy is a dream destination. Whether you're exploring ancient ruins in Rome, skiing in Northern Italy, or on a family holiday in Tuscany, Italy offers adventure, history, and culture in equal measure.
While the food, culture, and art of Italy may be enticing, unexpected events like medical emergencies, travel delays, or stolen luggage can quickly turn your dream Italian getaway into a stressful situation. Before you get on your flight, consider how travel insurance for Italy can help if your adventure doesn’t go to plan.
- What's covered
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
What's covered
Depending on the plan you choose our trip insurance for Italy can cover you (up to benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation and delay
- Stolen or delayed baggage
- More than 220 activities and adventures
- Some Coronavirus-related events
We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. Consider the PDS and whether this product is right for you.
Why should I consider travel insurance for Italy?
World Nomads travel insurance could come in handy for:
- Medical emergencies: If you trip on cobblestones in Florence and fracture your ankle, medical travel insurance may help cover these expenses.
- Stolen belongings: Pickpocketing can happen in crowded areas such as Rome’s Termini Station. Our policies may help with replacing stolen items, including passports, tech and personal belongings. Depreciation applies, see the PDS for details.
- Trip cancellation: If your trip is cancelled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
- Luggage delays: If your bags are delayed en-route to Naples and you're left without clothes or essentials, we may reimburse necessary purchases.
- Adventure activities: Planning on hiking the Cinque Terre? World Nomads can cover more than 220 activities, so get out there and have fun in the sun!
The above features are a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the PDS for complete details of cover and exclusions.
Traveller’s tip: you can buy travel insurance when you book your trip or while you're already travelling around Italy. Waiting periods may apply.
What to look out for when traveling to Italy
Travel during the shoulder seasons
Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.
If you do go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Locorotondo in Puglia, and Tropea in Calabria.
Traveller’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.
Pickpockets and other scammers
Always be vigilant with your personal items, especially on public transport and busy tourist sites such as The Colosseum.
If your gear is stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.
24/7 Emergency assistance
If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is accepted.
Top travel tips for Italy
- Travel documents for travel to Italy: The Department of Foreign Affairs and Trade (DFAT) states that you should have a valid passport with at least six months’ validity. For example, you can’t enter some countries if you have less than 6 months validity on your passport from the date you intend to leave that country. This may apply when you’re transiting or stopping over in the country.
- Australia has a Reciprocal Health Care Agreement with Italy. You may be able to get treated in public medical facilities if you show your Medicare card and Australian passport. You should still consider travel insurance for medical emergencies abroad as there may be differences in what's covered. Check what is covered under the RHCA and travel insurance as there may be differences in cover available under each.
- How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have solid Wi-Fi.
- Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.
- The new European Entry/Exit System (EES) for all non-EU nationals, including Australians, travelling in or out of the Schengen Area is expected to start in October 2025.
- Stay informed with Smartraveller for country-specific alerts.
Looking for more travel inspiration for Italy?
Get more travel inspiration for Italy:
- Italy travel tips: 6 things to know before visiting
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
FAQ for a trip to Italy
Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Do I need a Schengen Visa for Italy?
Australians can travel to Italy and other Schengen countries without a visa for up to 90 days within a 180-day period. You may be asked to provide evidence of sufficient funds for your stay, a return or onward ticket, and proof of accommodation according to travel advice websites. For more information on what Australians should know before going to Italy and the Schengen area go to the Smartraveller website.
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Does World Nomads cover existing medical conditions?
Our policies can cover more than 40 existing medical conditions. Special terms and conditions may apply. Check the PDS for details.
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What if my baggage or tech gear is stolen in Italy?
Our travel insurance plans may cover personal belongings that are stolen or accidentally damaged, including phones, laptops, and cameras—but be aware of the terms and conditions, limitations and exclusions including depreciation, as well as item limits and sub-limits. You also have the option to add high value items when you get a quote.
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How do I make a claim?
You can make a claim online from anywhere in the world.
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Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
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 companion 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 medication?
- 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
- Hurt 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 teamAwards and accolades
Best Travel Insurance Companies Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Cancel for Any Reason Travel Insurance Gold Badge Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Best Annual Travel Insurance Gold Badge
Winner
U.S. News & World Report's Best Travel Insurance Companies Ratings, 2026
Travel Insurance –
Overall-Product
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Travel Services Marketing -
Campaign-Advertising/Marketing Campaign
Gold Award Winner
Travel Magellan Awards by Travel Weekly, 2025
Best Customer Service Winner
British Youth Travel awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2025
Best for Adventure Travel Insurance Winner
WeMoney travel insurance awards, 2024
GRIST Service Excellence Award Winner
Auscontact awards, 2024
Customer Experience Initiative of the Year Process Transformation Winner
Auscontact awards, 2023
Best for Adventure Travel Winner
Men's Journal Travel Awards, 2025
Social Impact award for accomplishments for The Footprints Network Finalist
The Bessie awards, 2024
Extraordinary experience Winner
Global Youth Travel Awards, 2023
Best Responsible Tourism Campaign and Outstanding SDG Contribution, Winner
WYSE Travel Confederation's Global Youth Travel Awards, 2021
Service Excellence Award Winner
Auscontact awards, 2022 & 2021
Best Travel Safety Initiative Winner
WYSE Travel Confederation’s Global Youth Travel Awards, 2019
Sea Turtle Conservation in Costa Rica video shortlisted
Animal and Wildlife category, Shorty Social Good Awards, 2019
Best Use of Social/MobileMedia category, Silver Award Winner
British Youth Travel Awards, 2018
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Travel Insurance for Cruises
Travel insurance may help Canadians protect their cruise vacations to destinations like the Caribbean, Alaska, Europe, Antarctica and more
- As featured in:
As featured in:
At a glance
- Cruise with confidence: All World Nomads Travel Insurance plans cover cruises, with some plans that offer more benefits and higher limits of coverage
- From tropical waters to polar seas: Coverage may apply to cruises visiting a variety of locations – including the Caribbean, Alaska, Europe and even Antarctica
- Adventure onboard and ashore: You may be covered for more than 250+ activities that you participate in onboard your ship or during shore excursions
- Well-rounded cruise protection: Benefits may include trip cancellation, emergency medical expenses, emergency medical evacuation, baggage protection and more
- Extra protection when plans change: You may have access to additional benefits if your cruise doesn’t stop at a scheduled port of call for a covered reason (available on the Epic, Explorer, and Annual Multi-Trip plans)
- Why should you consider travel insurance for cruises?
- What’s Covered for Cruises
- Exclusions
- Maximum Limits
- Cruising Tips
- FAQs
Why should you consider travel insurance for cruises?
There are plenty of exciting opportunities for Canadian residents hoping to vacation on the high seas. According to recent data, Caribbean cruises are the most popular, making up 43% of all cruise passengers. However, you could also take a river cruise through the wine regions in France or cruise to remote destinations like Antarctica.
Hopefully your cruise will be smooth sailing, but there’s always the possibility of unexpected surprises that you can’t plan for. What if there’s an unexpected hurricane that prevents your ship from sailing? Nobody wants to think about getting hurt or sick while on a cruise, but that happens, too. Because of the unanticipated situations that can arise when cruising, you may want to get a quote for travel insurance that includes cruises
What’s Covered for Cruises
- Unexpected Medical Emergencies
- Trip Cancellation
- Trip Delay
- Trip Interruption
- Natural Disasters
- Emergency Evacuation and Repatriation
- Lost, Stolen or Delayed Baggage
- 250+ Adventure Sports and Activities
- 24/7 Emergency Assistance
- Cruise Diversion and Disablement (included in the Explorer, Epic, and Annual Multi-Trip plans)
Exclusions
- Losing track of time while at a port of call and missing your boat
- Participation in activities that aren’t covered in your plan
- Injuries that happen while under the influence of drugs or alcohol
- Pre-existing medical conditions that are excluded in the policy
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Emergency Evacuation and Repatriation: Up to $250,000 Trip Cancellation: Up to $2,500 Travel Inconvenience (Including Cruise Diversion or Disablement): Not Available Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $10,000,000 Emergency Evacuation and Repatriation: Up to $750,000 Trip Cancellation: Up to $15,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $750 ($250 per unforeseen event) Get a quote |
Emergency Medical: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Trip Cancellation: Up to $10,000 Travel Inconvenience (Including Cruise Diversion or Disablement): Up to $500 ($250 per unforeseen event) Get a quote |
Cruising Tips
As cruise travellers ourselves, we’ve learned a few things along the way during our time on the open seas. Before you set sail, we encourage you to get a quote for cruise travel insurance coverage. We also want to share a few of our other tips for having a great cruise.
- Arrive at your departure city at least a day before your cruise sets sail. While cruise travel insurance benefits could help with cancelled or delayed flights on your way to your departure port, your ship isn’t going to wait on you if you’re running behind. To avoid the possibility of your ship sailing away without you, try to arrive in your departure city with plenty of time to spare. You may even find some fun things to do there before your cruise.
- Book excursions before you leave home. If there’s a shore excursion that you have your heart set on, make sure you book it early. If you’ve been dreaming of whale watching in Juneau and wait too long to book it, you may be super bummed if you miss out. Excursions can sell out quickly and there may be limited options once you’re onboard.
- Take a carry-on bag. You’ll be boarding the ship before your luggage reaches your cabin, so take along a small bag that includes medication, phone chargers, and anything else you may need. If you’re planning to head straight to the pool, go ahead and throw your swimsuit and some sunscreen in your bag as well.
- Don’t assume that everything is included in the price of your cruise. Before your trip, review exactly what is included in your cruise package. Some cruises are all-inclusive, but many have drink packages or certain onboard activities that may cost extra. It’s best to know beforehand so you’re not surprised once you get onboard. Sometimes you can also save money if you purchase those packages ahead of time.
- Save the phone number and plan number for your travel insurance plan in your phone. It’s not a bad idea to have a printed copy of this in your cabin as well, but we know our phones rarely leave us. If something happens on the ship or at one of your ports of call, you’ll be able to easily contact us.
World Nomads offers single trip and annual multi-trip plans for Canadian residents that may include travel insurance for cruises to Antarctica. Cheaper isn’t always the best option, though, so do your research and pick the plan that is best for you. If you have any questions about what is covered, don’t hesitate to contact us.
FAQ
Here are our most frequently asked questions about cover for cruises. 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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If cruise insurance is offered by my cruise line, should I buy that?
When you book your cruise, your cruise provider may offer you an opportunity to add cruise insurance at that time. It is important to consider protecting not just the investment of your cruise, though. Also think about all of the other components of your cruise travel vacation. The travel insurance offered by the cruise line may only provide coverage for the cruise itself, and not for any non-refundable prepaid flights and hotel accommodations you booked separately. Be sure to compare your coverage options.
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Do all World Nomads plans include cruise insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include benefits for cruises and may cover a variety of unplanned situations such as trip cancellation, emergency medical expenses, and more. Coverage and maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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Can I get ‘Cancel for Any Reason’ travel insurance for a cruise?
Yes, but the ‘Cancel for Any Reason’ travel insurance coverage isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on 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 (up to maximum benefits as shown in your policy documents).
While trip cancellation benefits are included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents, you’ll only be able to make a claim if you cancel your cruise for covered reasons. Cancel for Any Reason covers any reason – even just changing your mind.
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What is the best travel insurance plan for cruises?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare our plans side by side. Consider how much money you’ve spent on your cruise, as well as the activities you’ll be participating in on the ship and shore excursions. You can then review all of the plans to determine which is the best for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
The ‘Cancel for Any Reason’ travel insurance coverage allows you to cancel for any reason (even just changing your mind), but it isn’t automatically included. It’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on 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, as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate (up to maximum benefits as shown in your policy documents).
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Can I buy cruise insurance when I’m already on my cruise?
Yes, most ships have Wi-Fi available, and you just need a good internet connection to purchase cruise insurance after you’ve already set sail. Just head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging on the pool deck.
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Are cruises to Antarctica covered by travel insurance?
World Nomads offers single and annual multi-trip plans for Canadian residents that include travel insurance benefits for cruises to Antarctica. Since that’s a large investment, pay attention to the length of your cruise (since the Annual plan has a per-trip limit of 14 days), and the levels of coverage available on each plan when you get a quote for travel insurance for your Antarctica cruise. If you have any questions about what is covered, don’t hesitate to contact us.
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What happens if my cruise doesn’t stop at all of the places on my itinerary?
If your cruise does not stop at a scheduled port of call due to inclement weather, a terrorist incident, a medical incident involving another passenger on the ship, or a natural disaster, you may receive a one-time payment for one occurrence of each unforeseen event (up to maximum benefits shown in your policy documents).
The trip inconvenience travel insurance benefit may also help if you are confined for more than 24 hours on the cruise ship operating without power, food, water, and/or restroom facilities.
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 domestic travel
Domestic travel insurance for Brits explained.
- As featured in:
As featured in:
- What are the benefits of domestic trip insurance?
- Trip disruption
- Medical cover
- Personal belongings
- Extra benefits of World Nomads Travel Insurance
- Exclusions of domestic travel insurance
Not all adventures require a passport stamp - sometimes, the best getaways are right on your doorstep. A weekend hiking in Snowdonia, a coastal escape to Cornwall, or a city break in Edinburgh – there’s so much to explore right here in the UK.
But whether you’re hiking the Scottish Highlands, exploring Cornwall’s rugged coastline, or city-hopping from London to Edinburgh, unexpected travel mishaps can still happen.
With a World Nomads Annual Multi-Trip (AMT) policy, you can get cover for domestic trips if you’ve pre-booked and paid for at least two nights of accommodation. Here’s what you need to know about what’s covered and what’s not.
What are the benefits of domestic trip insurance?
Here’s what’s covered (and why it matters).
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Trip disruption
Life happens, and sometimes your trip doesn’t go as planned. Whether it’s a storm cancelling your weekend in the Lake District or a family emergency forcing you to cut a trip short, your insurance may help with:
- Cancelling your trip: If you suddenly fall ill before departure or must cancel for a covered reason, you may be able to claim back non-refundable costs:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
- Cutting your trip short: If you need to return home early, we may help with unused accommodation and travel expenses up to:
- £3,000 (Standard Plan)
- £5,000 (Explorer Plan)
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Medical cover
Yes, the NHS has your back, but that doesn’t mean medical issues won’t derail your trip. Your insurance may help with:
- Medical repatriation: if you break your leg hiking Ben Nevis and need to be moved closer to home for specialist care, your cover may include up to £10,000,000 (Explorer Plan).
- Extra accommodation and travel expenses: Where it is medically necessary following an insured event, we can offer cover for some additional costs incurred. For example, expenses incurred for a friend or family member to travel from the UK to stay with you in hospital.
- Hospital benefit: If you end up admitted for more than 24 hours, you could receive a daily payout to help with extra costs:
- £20 per 24 hours (Standard Plan), max £200
- £50 per 24 hours (Explorer Plan), max £1,000
- Repatriation of remains: In the worst-case scenario, cover includes up to £25,000.
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Personal belongings
Lost bags, stolen wallets, and broken cameras aren’t just international travel problems. If your gear goes missing during your UK trip, you could be covered for:
- Personal baggage: If your luggage is lost or damaged on a train to London, you could claim up to:
- £1,500 (Standard Plan)
- £3,000 (Explorer Plan)
- Single Item Limit £125 per item (Standard) | £250 per item (Explorer)
- Money & travel documents: If your wallet disappears at a music festival, your cover includes:
- Travel documents: £300 (Standard) | £600 (Explorer)
- Money: £0 (Standard) | £200 (Explorer)
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Other cover
- Personal Accident: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £10,000 (Standard Plan)
- £25,000 (Explorer Plan)
- Personal Liability: if you suffer a life-changing injury, such as permanent disability or death, the policy provides a lump sum:
- £2,000,000 per trip (for all insured persons per policy, per trip)
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Extra Benefits of World Nomads Travel Insurance
SmartDelay™: relax while you wait
Flight delays are a nightmare - especially when you're stuck in an airport with nowhere to sit and overpriced sandwiches for company. That’s where SmartDelay comes in. If your departure is delayed beyond a set time, you may get free access to an airport lounge, where you can stretch out, grab a snack, and wait in comfort.
Exclusions of domestic travel insurance
Travel insurance is a lifesaver when things go wrong - but it doesn’t cover everything under the sun. Your policy spells out the fine print, but here are a few key exclusions to keep in mind:
- Pre-existing conditions: If you’ve had tests or treatment for a condition in the 180 days before buying or extending your policy, it won’t be covered.
- Alcohol & drugs: Had one too many at the pub and ended up in A&E? If an incident happens while under the influence, you’re on your own.
- Illegal activities: If you’re breaking the law and things go sideways, don’t expect your insurance to bail you out.
- Some personal belongings: Items like bikes or sporting equipment (whilst in use), won't be covered under the policy. If you are mountain biking in the Scottish highlands and require cover for your mountain bike, check your policy first.
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 South Africa
What UK Travellers Need to Know About Safety in South Africa
- As featured in:
As featured in:
- Why Should British Travellers Consider Travel Insurance for South Africa?
- Air Doctor: When You Need a Doctor, But Not a Hospital
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- 5 Key Safety & Travel Tips for UK Travellers in South Africa
From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.
Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.
Why Should British Travellers Consider Travel Insurance for South Africa?
While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.
Our Standard and Explorer plans can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
- Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
- Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
- Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
- Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Air Doctor: When You Need a Doctor, But Not a Hospital
A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.
With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.
Ready to explore the wild plains of Africa? Grab your travel insurance quote here.
Annual Multi-Trip (AMT) Policy
If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.
A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:
- Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
- Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
- Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
- Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
- Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!
5 Key Safety & Travel Tips for UK Travellers in South Africa
- Stay street-smart in cities: Petty crime is common, especially in Cape Town and Johannesburg. Avoid flashing valuables, use ATMs inside banks or malls, and take Uber or Bolt instead of street taxis - especially at night.
- Keep your car doors locked: Whether self-driving or in a taxi, keep windows up and doors locked, particularly at traffic lights. Carjackings can happen, so stay alert and avoid stopping in isolated areas.
- Tap water? It depends. It’s generally safe in major cities but stick to bottled or filtered water in rural areas. Avoid ice cubes in smaller towns and be mindful when brushing your teeth.
- Don’t be that tourist: Self-driving through Kruger? Stay in your vehicle when on safari tours. Tempted to feed a monkey for a photo? Don’t - those little guy’s bite. Wildlife is unpredictable, and you’re in their territory.
- Know the common scams: Watch out for fake "helpful locals" at ATMs, taxi drivers claiming your hotel is “fully booked,” and overpriced souvenir shops where guides get a kickback. Trust your instincts and book activities through reputable sources.
Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!
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 teamTravel Insurance for Germany
Essential travel tips for Canadians heading to Germany
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to Germany. Plans range from standard to higher-limit protections.
- Coverage may apply to popular German activities like hiking, biking and paragliding.
- Policies for Canadians include protection for medical emergencies, trip cancellations and lost luggage.
Germany has plenty to offer beyond its big cities, though Berlin and Munich are hard to resist. Outside city limits, you’ll find quaint towns, vineyard-strewn valleys and castles rising above forested hills. Whether you’re cycling along the Rhine or hiking in the Bavarian Alps, it’s a destination that will leave you hungry for more. Speaking of which, you’ll find plenty to tempt you, from bratwurst and warm pretzels to regional dishes best paired with a local beer. Whatever kind of trip you’re heading to Germany for, a smooth journey starts with smart planning, including choosing the right level of travel insurance.
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 Germany 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 Germany
Germany has a relaxed approach to adventure, with forest trails, river valleys and alpine peaks inviting you to go at your own pace. Wander through the trails winding through the Black Forest or take advantage of the 11,000km German Cycle Network – it links every region of the country. Hint: Hiring an e-bike makes it easier to venture further, and you can refuel in cafes along the way. In the south, winter transforms the Alps into a playground for skiers, while the warmer months bring lake swims, long-distance hikes, paragliding and canyoning – and more cycling, of course.
Coverage for 250 activities you love + more
Common insurance considerations for Germany
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 Frankfurt 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 purchase – such as toothbrushes, prescription medication or a change of clothes. The first step is always to report missing luggage to your airline or other common carrier and check what compensation they may provide.
Accidents and medical 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 sorted your travel insurance before you left home. Hit by a car crossing the street? Fell off your bike in the Black Forest and need stitches? Ate a dodgy bratwurst and came down with a bad bout of food poisoning? Emergency assistance is a phone call away.
Lost or stolen gear
Even the most careful of travellers can face that sinking feeling – realising they’ve left a passport or wallet on the train, or that an opportunist has taken off with their phone or camera without them noticing. 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 Germany
- Watch for pickpockets and bag snatchers in busy city areas – crowded trains and U-Bahn platforms can attract opportunists, so keep valuables secure and bags zipped.
- Resist the temptation to cross the street on a red light, even if there are no cars coming. Jaywalking is considered socially unacceptable and can result in a police fine.
- Carry ID – you may be required to show identification if asked by authorities.
- When driving on the autobahn, avoid treating no-speed-limit sections as an invitation to go as fast as you can. The recommended speed is 130 km/h; exceeding it can increase your liability if there’s an accident.
FAQ
Here are our most frequently asked questions about cover for Germany. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I drink tap water in Germany?
Yes, tap water in Germany is safe to drink and of a high quality.
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Do Canadians need a visa to visit Germany?
Canadians don’t need a visa for short stays in Germany (up to 90 days within a 180-day period). Entry requirements can change, so check official government advice before you travel.
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Is Germany safe for tourists?
Germany is generally a safe destination, with low levels of violent crime. Petty theft can occur in busy areas, on public transport and at major attractions, so keep valuables secure and stay aware of your surroundings. Check government travel advisories for Canadians heading to Germany before your trip.
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Is healthcare free for tourists in Germany?
Healthcare in Germany is not free for most visitors. While emergency medical treatment may be available, you can be charged for care, making travel insurance important.
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When is the best time to visit Germany?
Late spring to early autumn (May to September) offers the best weather for sightseeing and outdoor activities. December is also popular for its Christmas markets.
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Do I need travel insurance for Germany?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, trip cancellations, trip 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 Germany?
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.
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance when visiting the United Kingdom
Everything European Travellers Should Know for a Smooth British Getaway
- As featured in:
As featured in:
The United Kingdom, a land where ancient history meets modern charm. You could be tracing the footsteps of literary greats in the Lake District or plunging 160 feet toward the River Tees on a bungee jump, before the cord pulls you back to reality. The United Kingdom truly offers something for every European nomad. Whether your flavour is the buzzing urban streets of London or skydiving over Salisbury Plain, mishaps can happen - having travel insurance as your trusty travel sidekick could be a brilliant idea.
- What does World Nomads travel insurance cover?
- What should I look out for when travelling to the United Kingdom?
- What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
- What's not covered
- FAQs
What does World Nomads travel insurance cover?
With World Nomads, you can select either the Standard Plan for basic travel protection or the Explorer Plan for broader coverage.
Both plans offer coverage for:
Overseas emergency medical: Whether it’s a tumble on a Welsh mountain or a sudden fever in London, World Nomads has your back (literally). Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).
Baggage Protection: Lost your bag in the hustle of Heathrow or had your gear swiped in a packed London Tube station? It happens. World Nomads travel insurance covers European travellers for lost, stolen, or damaged baggage up to policy limits. The Standard Plan provides up to €1,500 in total coverage, while the Explorer Plan offers a more generous limit of €3,000. Baggage delay coverage starts at 24+ hours.
24/7 Emergency Medical Assistance: Emergencies don’t wait, and neither do we. World Nomads’ 24/7 Emergency Medical Assistance Team is on standby to help connect European travellers to medical care, overcome language barriers, or coordinate an urgent evacuation.
Looking for a traveller insurance quote? You can grab one online here.
What should I look out for when travelling to the United Kingdom?
It’s no surprise that Europeans are drawn to the United Kingdom - its constant buzz of excitement pulls thrill-seeking travellers in from all over. But Mother Nature has a way of showing her mood swings, with sudden rainstorms and gusty winds always ready to make an entrance. Travel disruptions can be a real pain, especially when navigating busy transport hubs like Heathrow or London Euston. Thankfully, World Nomads offers cover for unexpected delays and cancellations. So, whether it’s unpredictable weather, strikes, or missed connections throwing off your plans, you can recover non-refundable costs and keep your adventure on track.
SmartDelay™ – the bright side of a flight delay
Look, we know from experience that flight delays are frustrating. But we also know that food makes frustrations a little less stressful. Right? If your flight is held up, we’ll take the edge off by giving you access to the airport lounge, with complimentary drinks and snacks. Please remember to register your flight details at least 24 hours before departure to avail of the service.
Travellers tip: The United Kingdom’s major cities, like London, can have busy rush hours, so consider travelling outside peak times or using apps to navigate public transport efficiently.
What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
Cover for Activities and Sports in The United The United Kingdom
The United Kingdom ’s landscapes are made for adventure, and we cover 150+ sports and activities to match. Planning to hike the dramatic trails of the Lake District, or cycle through the rugged Scottish Highlands? We’ve got you covered (up to policy limits, of course). Planning something more adventurous, like mountaineering or rowing on the Thames? Make sure to specify high-risk activities in your policy for complete coverage.
Air Doctor powered by World Nomads
Left home without your prescription? No worries. With Air Doctor, you can connect with a doctor anywhere in the world for basic healthcare needs. Instead of waiting hours in an Emergency Room, you can have your prescription sent directly to a local chemist for pickup or get treated for non-urgent issues quickly and conveniently. That way, you can get on with exploring the United Kingdom.
Travellers tip: most places in the United Kingdom, from public transport to cafés, accept contactless card payments or mobile wallets – it's an easy way to pay and often quicker than cash. Just make sure you notify your bank before you leave the EU.
What's not covered
While we’ve got you covered for many adventures, travel insurance isn’t designed to cover everything. Some things we don’t cover include:
- Pre-existing medical conditions: sorry, those aren’t covered.
- Unattended belongings: if you leave your gear in a public or unsecured spot, we’re not liable.
- High-risk activities: planning something wild not listed in your policy? You’re on your own.
- Alcohol and drugs: any mishaps while under the influence won’t be covered.
- Unlawful acts: if your claim comes from something illegal or reckless, you’re out of luck.
This is not a complete list of what’s covered and what’s not; please check your policy for 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.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need travel insurance for the United Kingdom from the EU?
Travel insurance isn’t a prerequisite for European travellers heading to the United Kingdom. However, it could protect you from costly surprises, like emergency medical care or travel delays.
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Will travel insurance cover medical costs in the United Kingdom ?
Absolutely. All World Nomads travel insurance policies cover emergency medical expenses in the United Kingdom, from hospital stays to urgent care. Just make sure to review your plan for full details.
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Can I extend my travel insurance if I decide to stay in the United Kingdom longer?
Yes, you can extend your World Nomads travel insurance if you decide to prolong your stay in the United Kingdom. Simply log into your World Nomads membership before your current policy expires to purchase an extension, before your current policy expires.
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I’m already in the United Kingdom, can I get travel insurance?
Yes, you can purchase travel insurance even after arriving in the United Kingdom . World Nomads offers flexible policies that can be bought online from anywhere, anytime. Please note that a waiting period of up to 72 hours may apply before full coverage begins, and any period of travel before this is not covered.
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 for Digital Nomads
Protecting Europeans’ tech gear on the go
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Picture this: you’re a European digital nomad soaking up the sun in Lisbon while wrapping up a project. But then, the unexpected strikes—your phone’s stolen, or you come down with a fever. Suddenly, your carefree work-travel balance is thrown off. This may just be the moment you’re grateful for packing the travel insurance in with all your travel essentials.
- Why should I consider travel insurance when travelling as a digital nomad?
- Does travel insurance for digital nomads cover my tech?
- What are the benefits of World Nomads travel insurance when working abroad?
- What's not covered by travel insurance for digital nomads?
- FAQs
Why should I consider travel insurance when travelling as a digital nomad?
With an unpredictable lifestyle comes, well…unpredictability. As a digital nomad, your tech gear and health are everything, and an unexpected hiccup ruins more than your day—it affects your work. No one wants that. Or perhaps your job involves travelling between Schengen countries? Even a short trip from Paris to Madrid can come with unexpected issues. With the right digital nomad insurance cover, Europeans can work and wander the world without worrying about what could go wrong.
Does travel insurance for digital nomads cover my tech?
As a digital nomad from the EU, your tech gear is more than just equipment; it's your livelihood. Having your lappy stolen at the Amsterdam Schiphol Airport while waiting for your connection, or your phone damaged in an unexpected storm at the Algarve in Portugal can throw your entire routine into chaos. Our Standard and Explorer policies may cover the reimbursement of your devices if they’re stolen, lost, or damaged while under your supervision.
Our coverage extends to a wide range of gadgets and valuables, including:
- Mobile phones
- Photographic equipment
- Binoculars, telescopes
- Computers and accessories (like laptops and gaming gear)
- Tablets and e-readers
- Audio equipment (like headphones and speakers)
- Drones and GPS devices
Travellers tip: Always keep your receipts—hard copies or digital—for any gadgets you buy, whether before or during your travels. These can be essential if you need to make a claim. And remember to back up important travel documents, ID, and other details for extra security.
What are the benefits of World Nomads travel insurance when working abroad?
Medical Coverage and Emergency Medical Assistance
From hiking mishaps in the Austrian Alps to a bad case of food poisoning in Istanbul, medical emergencies can strike European digital nomads at the worst times. World Nomads travel insurance can cover overseas medical expenses, hospital stays, and emergency repatriation if required. With 24/7 emergency medical assistance, you’ll get the support you need, no matter where your adventures take you.
Cover for more than 150 sports and activities
Work hard, play harder—that’s the motto for any European adventure-loving digital nomad. With mountains to climb, rivers to kayak, and waves to surf, World Nomads understands you don’t want to limit your travels to just working, which is why we offer coverage for more than 150 sports and activities. Just make sure you’re aware of any specific coverage needs for high-adrenaline sports in your chosen destination.
Smart Delay
No one likes to hear the words ‘flight delay,’ especially when you’re already juggling work commitments and travel plans. Thankfully, Smart Delay by World Nomads turns that frustration into a little luxury. If your flight is delayed by 90 minutes or more, we’ll send you a LoungeKey™ pass, giving you access to over 1,500 airport lounges. It’s the perfect way to stay productive or simply relax while waiting. Ensure that before you travel (at least 24 hours), you register your flight with SmartDelay to avail of the service.
Travellers tip: Cyberattacks and identity theft are real threats when you’re on the move. Keep your data safe: use strong passwords, encrypt your laptop, and install antivirus software, skip public Wi-Fi where you can.
For more digital nomad tips, check out our article, 6 Travel Tips for Digital Nomads. Or if you’re ready to pack the gear and go, get a quote today and make that digital nomad dream a reality.
What's not covered by travel insurance for digital nomads?
Sorry, but even the best travel insurance has its limits. Here’s some examples of what’s not on the list:
- Considering leaving your laptop unattended while swimming in the crystal-clear waters of the Croatian coast? If it goes missing, that one’s on you.
- Device malfunction or wear and tear? That’s a conversation for your manufacturer, not your travel insurer.
- Placing your gadgets in checked luggage? If they’re damaged or stolen, they won’t be covered.
- No receipt or record of ownership for your items? We can’t reimburse you without it.
- Fail to report stolen or lost items to local authorities or venue management? We won’t be able to process your claim.
This is not a complete list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re unsure if something is covered or how to claim, contact us, and we’ll let you know.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in a foreign country.
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If my electronics have an expired warranty, can I claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation is the amount we deduct from your overall claim based on the wear and tear of the item. The age and type of item are factors used to calculate the depreciation amount.
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Why won’t you cover my tech devices if they’re checked in with an airline?
Electronics are fragile, and checked-in luggage can easily be damaged.
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What if I don’t have receipts for all of my items?
You can file a claim but still need to show proof of ownership. Read our Help Center article for more information on what to do if you don’t have documentation.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team