Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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Working remotely as a digital nomad means the world is your office. That means after spending an hour on your laptop, you can go on an African safari or a trek in the Alps.
World Nomads offers flexible travel insurance plans designed to protect Australians working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and keep exploring after hours.
Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.
Double check the specific terms and conditions of your policy as there may be limits to what you can claim, depending on the premium that you have paid and what happens to your equipment while on the road.
- Why travel insurance is important for digital nomads?
- How are my electronics covered?
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- Countries offering digital Nomad visas to Australians
- FAQs for digital nomads
Why travel insurance is important for digital nomads?
Working overseas under a digital nomad visa offers incredible freedom, but it also comes with risks. From lost luggage to unexpected health issues, travel insurance may offer cover when things don’t go to plan. Whether you’re a freelancer, remote worker, or running your own business from a beachside café, World Nomads travel insurance may offer key benefits like:
- Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured overseas.
- Bags and valuables: We offer cover for your valuables and bags in case they are stolen, damaged or go missing while in transit.
- Trip cancellation: If your plans change unexpectedly due to a family emergency or illness, cancellation cover can help recover some of your costs.
- 24/7 emergency assistance: Access to worldwide support whenever and wherever you need it.
How are my electronics covered?
World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).
Remember, depreciation and wear and tear on your gear are considered when we review your claim, and claims are subject to per item limit and a total maximum benefit amount, which can be found in your Product Disclosure Statement (PDS).
In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.
You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.
Does my travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport).
- Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier.
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (you'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
Get a travel insurance quote from World Nomads today.
Countries offering digital nomad visas to Australians
- Portugal
- Estonia
- Croatia
- Mexico
- Spain
- Costa Rica
- Germany
- Iceland
- Barbados
- Czech Republic
For more information on digital nomad visas please refer to the visa guide website.
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.
Tips for Digital Nomads
- Before traveling, understand the requirements for digital nomad visas and ensure your World Nomads travel insurance policy aligns with the country’s health and travel regulations.
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
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 teamFAQ
Here are our most frequently asked questions about digital nomads travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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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 the foreign country.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
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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 for Mountain Biking Adventures
Ride prepared: Learn how travel insurance for mountain biking can help when the unexpected happens to Canadians
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Article at a glance:
- Mountain biking travel insurance plans may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world.
- Coverage includes off-road mountain biking, BMX, cycling—plus 250+ other adventure sports.
- Emergency medical expenses, 24/7 assistance, and baggage protection are included in World Nomads plans.
- Choose from the Standard or Explorer plans with optional additional activity level coverage to match your biking trip style, budget, and adventures.
- Stay safe with proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly.
- Why should you consider travel insurance coverage for your mountain biking adventure
- What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
- Mountain Biking Travel Insurance: What’s Covered?
- What level of travel insurance coverage do I need for my mountain bike trip?
- What's not covered when mountain biking?
- Top safety tips for your mountain biking adventure
- Frequently asked questions
Why should you consider travel insurance coverage for your mountain biking adventure
Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for Canadians. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens.
What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
As long as you're not doing anything reckless, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers coverage for:
- On or off road/downhill/cross country up to 3,000 metres in elevation
- On or off road/downhill/cross country up to 6,000 metres in elevation
- BMX – on road
- BMX - off road/on-track/cross country
- Quad biking
- Scooter biking/riding
- Triathlons and endurance races (non-professional) may also be covered!
Note: Special conditions and exclusions, in addition to the General Conditions and General Exclusions, may apply while taking part in certain sports or activities.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
Mountain Biking Travel Insurance: What’s Covered?
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Emergency Medical Expenses
For broken bones, cuts, and sprains after an epic crash on the trail. -
Non-insurance Emergency Assistance
Your first call in any emergency situation -
Baggage & Gear Coverage
Broken or stolen biking gear (no coverage for in-use damage, though)
Get a quote and compare the plans to see which level of coverage is right for you.
At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance plans for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer two travel insurance plans with different coverage levels to match your trip style, budget, and adventure sports coverage to match your appetite for adventure. Be sure to check out our (extensive!) list of covered activities to pick the plan and activity level that fits everything you’re planning to do.
*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!
What level of travel insurance coverage do I need for my mountain bike trip?
- Standard Plan – Best suited for backpackers, budget travellers and families. Includes up to $5,000,000CAD in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
- Explorer Plan – For those trips you’ll be talking about for years to come! Our plan with the highest benefit limits, including up to $500 for baggage delay and $5,000 for trip cancellation.
You can compare plans and coverage limits when you get a quote. .
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a mountain biking 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
What's not covered when mountain biking?
While we can offer coverage for mountain biking, there are some things we just won't cover. These include, but are not limited to:
- Participating in any activity or sport as a professional athlete.
- If you travel against medical advice.
- Bicycles and other sporting equipment that are damaged while in use.
- Search-and-rescue missions.
- Unattended baggage, sporting equipment or personal items.
- Biking while under the influence of alcohol or drugs.
Top safety tips for your mountain biking adventure
- Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it and consider seeing a doctor prior to your trip.
- Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
- Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If something doesn't feel right, then don't go.
- Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.
FAQ
Here are our most frequently asked questions about cover for hiking. 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 is mountain biking travel insurance coverage, and why do I need it?
Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
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Does travel insurance cover off-road mountain biking and BMX riding?
Yes! World Nomads travel insurance plans offer coverage for a wide range of biking styles, including off-road mountain biking, BMX and quad biking. Be sure to check this list to confirm that your specific activity is included.
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What travel insurance benefits are included for mountain biking trips?
Coverage may include emergency medical expenses, baggage and gear protection, trip delays, cancellations, and 24/7 non-insurance emergency assistance. This means if you crash on the trail, miss a flight, or your bike gear is stolen, you may be covered depending on your plan.
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What happens if I get injured while mountain biking abroad?
If you're hurt while biking overseas, 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 Emergency Assistance team is also included for support anytime, anywhere.
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Can travel insurance cover stolen or damaged biking gear?
Yes—World Nomads plans offer baggage and personal effects protection, which can help reimburse the cost of stolen or damaged biking gear, such as helmets, pedals, or tools. There is no coverage for damage that occurs while the gear is in use.
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What types of travel insurance plans are available for mountain bikers?
World Nomads offers two plans tailored to your adventure style and budget:
- Standard Plan – Great for budget-conscious riders. 3,000 meters maximum ride elevation
- Explorer Plan – Has higher benefit limits that may be best for someone pushing the limits, or mountain biking in more remote locations. 3,000 meters maximum ride elevation
- Optional additional activity level coverage – provides coverage for rides up to 6,000 meters in elevation
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What are some exclusions in mountain biking travel insurance?
Travel insurance may not cover:
- Professional competition biking
- Damage to gear while in use or from wear and tear
- Search-and-rescue costs
- Incidents involving drugs or alcohol abuse.
- Unattended gear or personal items
Always read your plan details to understand what’s not included.
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Are there altitude limits for mountain biking insurance coverage?
Yes, both travel insurance plans have elevation limits for covered activities. If you're planning to bike at high altitudes (like in the Andes or Himalayas) of up to 6,000 metres, you will need to pay an additional premium. If you need help, give our customer service team a call.
Need destination inspiration for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
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 Backpacking
If something unexpected happens to Canadians, we’ve got your back – pack or no pack.
- As featured in:
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At a glance:
- Backpacking can come with risks—injuries, stolen gear, or trip interruptions—travel insurance can help cover the unexpected.
- World Nomads offers plans with coverage for emergency medical expenses, baggage loss, trip cancellations, and 250+ adventure activities.
- Coverage varies by plan and corresponding activity level purchased. The maximum elevation covered is 6,000 meters.
- 24/7 Emergency Assistance Team is available in dozens of languages.
- Why you may want to consider travel insurance to protect your backpacking trip
- How can I protect my backpacking trip with travel insurance?
- What travel insurance benefits could cover you and your backpacking trip?
- What doesn't backpacker insurance cover?
- Top safety tips we recommend for your surfing adventure
- FAQs
Just you, your pack, and the open road. Backpacking is a rite of passage for nomads chasing big experiences on a small budget.
Whether you're out to find your crew or yourself, travel insurance can help if things go off track.
World Nomads Travel Insurance covers backpackers exploring Thailand, South America, Europe and beyond.
Why you may want to consider travel insurance to protect your backpacking trip
Backpacking is all about freedom and spontaneity—but that flexibility also comes with risk. From sprained ankles on rocky trails to food poisoning in rural villages or stolen gear on overnight buses, the unexpected can derail your trip fast. That’s where travel insurance for backpackers can help—covering emergency medical expenses, trip interruptions, evacuations from high-altitude regions, and lost or stolen passports. If you have to cancel your trip before departure due to a covered reason—like sudden illness or injury—trip cancellation coverage may help reimburse your prepaid non-refundable expenses. Whether you're trekking through South America or hopping between hidden towns in Southeast Asia, having the right coverage gives you the confidence to go wherever the trail takes you.
How can I protect my backpacking trip with travel insurance?
Backpacking looks different for every traveller—maybe you're hostel-hopping across Europe and want protection in case your gear gets stolen, or you’re trekking through the Andes where emergency medical expense coverage could be very helpful. That’s why World Nomads offers flexible travel insurance plans for backpackers, with coverage designed to match your style of adventure. From safeguarding your belongings to covering accidents at high altitudes, we’ve got your back.
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Standard & Explorer Plans
Hikes and Backpack trips covered up to 3,000 meters -
Optional Extra
Hikes and Backpack trips covered up to 6,000 meters
Plus, our plans include coverage for 250+ other activities you might do along the way, so you can explore confidently, wherever your backpack leads you. Get a quote and compare the plans to see which level of coverage is right for you.
What travel insurance benefits could cover you and your backpacking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Emergency medical expenses:if you get hurt while backpacking and need medical attention, our emergency medical coverage for injury or sickness may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
What doesn't backpacker insurance cover?
Travel insurance isn’t designed to cover everything. Here are a few things we don’t cover:
- Any alcohol related sickness, death or injury or the abuse of medication, drugs, alcohol or any other toxic substance.
- Travel within your home province
- Unattended baggage, sporting equipment or personal items.
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Backpacking over 6,000 metres.
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a backpacking 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
Top travel insurance tips for backpackers
Here are some pointers to help keep you covered while backpacking.
- For you, does backpacking = hiking or mountain climbing? Make sure you select the right plan and level of coverage for your activity. Our article on covered sports and activities should help you decide what to pick.
- Going wherever the breeze blows? If you want to cross the border, check with our customer service team first as your plan may not apply in all countries.
- Travelling long-term: You can buy more travel insurance while abroad (waiting periods may apply) even if you don’t have a return ticket.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider going to the doctor before your trip to make sure you had all the necessary medications.
- Keep your receipts and paperwork:any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for backpacking. 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 does backpacking travel insurance cover?
Backpacking travel insurance plans can help cover emergency medical expenses, trip cancellations, stolen gear, emergency evacuations, and more. World Nomads offers flexible plans that include coverage for 250+ activities you might encounter on the road.
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Do I need travel insurance for a backpacking trip?
Only you can decide your travel insurance needs however our plans were created with backpackers – and their unique circumstances - in mind. Whether you're trekking in high altitudes or navigating unfamiliar cities, the right travel insurance coverage can protect you from unexpected bills due to injuries, illness, theft, and trip disruptions.
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Is emergency evacuation included in backpacking travel insurance?
Yes, our plans include emergency medical evacuation if you’re seriously injured or ill while backpacking. World Nomads requires approval from the attending physician and the 24/7 Emergency Assistance Team. It’s critical you call the 24/7 Emergency Assistance Team prior to arranging evacuation. Be sure your plan covers the maximum altitude you’ll be hiking in, as well.
- The Standard and Explorer plans cover hikes up to 3,000 meters
- An additional activity level can be added to raise the maximum elevation to 6,000 meters. You can do this while getting a travel insurance
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Does backpacking travel insurance cover stolen backpacks or gear?
Yes, baggage and personal effects coverage may help reimburse you for stolen or damaged backpacks, gear, or checked luggage—just be sure to keep receipts and file a report to support your claim.
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Can I cancel my backpacking trip and get reimbursed?
If you cancel for a covered reason—like sudden illness or injury—your plan may reimburse non-refundable trip costs with the ‘trip cancellation’ benefit.
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Am I covered for high-altitude trekking while backpacking?
Yes, but coverage depends on the activity level you purchased. Both plans cover backpacking up to 3,000 meters. You must add an additional level of protection for hikes up to 6,000 meters. You can do this when you get a quote for travel insurance.
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Can I buy travel insurance after my backpacking trip has started?
Yes, with World Nomads you can purchase travel insurance even if you’ve already started your trip. Waiting periods may apply for certain benefits, so it’s best to buy coverage early.
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What should I do if I get sick while backpacking abroad?
If you become ill while backpacking, your travel insurance may help coordinate your medical care, arrange transportation to the most suitable medical facility and cover your medical expenses. All of this is subject to plan terms and conditions. The first step is always to call the 24/7 Emergency Assistance team, if at all possible.
Need destination inspiration?
When you buy a World Nomads travel insurance plan, rest assured that your coverage has been crafted by passionate travellers who have lugged backpacks, battled bedbugs, and fought with food poisoning along the way as well. For trip ideas and tips, check out our article on backpacking dos and don’ts, as well as some of our favorite backpacking trips:
Climbing Kilimanjaro: What to Know and How to Prepare
6 Backpacking Tips for Staying Safe in Thailand
2 Week Thailand Itinerary: Get Your Day-by-Day Travel Guide
How Traveling Cheaply Can Also Be Good for the Planet
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
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 New Zealand
From snowsports to watersports, and hiking to biking - New Zealand is full of adventures. Get our tips on how to experience it like a true Kiwi!
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- Do I need travel insurance for New Zealand
- Travel insurance for activities in New Zealand
- Travel insurance for medical emergencies in New Zealand
- Travel insurance for lost bags in New Zealand
- Road trips through New Zealand
- Travel insurance for cancelled, interrupted, or delayed trips to New Zealand
From the waterfalls of Fjordland, to the rainforests, beaches, and glacial peaks, New Zealand is a dream vacation spot for many Canadians.
The northland region’s Bay of Islands gives you the chance to island hop between over 100 islands, but you may also want to rent a campervan and trek over to Mount Parihaka to take in the picturesque panoramic views.
If you’re exploring the South Island, you can check out the majestic Blue Pools of Makarora or you may be lucky enough to spot a sea lion or penguin near the Otago Peninsula. The south island definitely has its share of phenomenal hiking opportunities and scenic cycling routes.
While a trip to New Zealand is an amazing experience, there are some things to be aware of. With everything from earthquakes to parasites, and cancelled flights to lost bags - there’s definitely some things our nomads have learned along the way. We encourage you to check out our team’s insights on things to know about New Zealand before you go.
Do I need travel insurance for New Zealand?
When you’re planning your trip to New Zealand, you’ll find that there’s plenty of adventures like rafting on the Rangitata Gorge and sand boarding on the giant dunes at 90 Mile Beach. You can plan your itinerary and book your excursions in advance, but what you can’t plan for are the unexpected things that may happen along the way.
With any overseas travel, there’s always going to be some things you can’t anticipate - like cancelled trips, delayed baggage and medical emergencies. If you tumble off of your sand board and break a leg, your travel insurance for New Zealand could help you get the medical care you need.
Unexpected natural disasters could also put a halt to your plans. New Zealand is located in an active seismic zone, and earthquakes and volcanic eruptions can happen there. If your trip to Tongariro National Park is cancelled because Mount Ruapehu unexpectedly erupts and the Canadian Government issues an advisory against travel to a destination, country or region listed on the itinerary of your insured trip (and the advisory is issued after your purchased your non-refundable prepaid trip arrangements) or the natural disaster makes it impossible for you to occupy your destination residence, your travel insurance for New Zealand could assist with reimbursing you for prepaid, non-refundable expenses for things like hotel accommodations and excursions if you need to cancel or interrupt your trip.
Because of these unplanned situations you could encounter, travel insurance for New Zealand may be something you should consider. There are two different plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in New Zealand
Since New Zealand is the birthplace of commercial bungee jumping, we know you may want to take that leap while you’re there. World Nomads covers more than 250 activities for Canadians travelling to New Zealand - including bungee jumping.
In a country surrounded by water, you’ll probably be having some aquatic fun as well. Things like scuba diving, kayaking, and surfing could be covered too.
When you get a quote for your travel insurance for New Zealand, you’ll need to list your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you plan on participating in an activity that isn’t listed in our policy wording, contact us before your purchase your policy to determine if you will be covered.
Travel insurance for medical emergencies in New Zealand
With all of the fun to be had in New Zealand, there’s plenty of adventure activities that you’ll want to try. Our nomads all agree that one of our favorite must-do activities there is glacier walking.
The Haupapa/Tasman glacier is New Zealand’s longest glacier and is located in Aoraki/Mount Cook National Park on the South Island. It’s a magnificent thing to see, and is a great excursion for visiting Canadians. Never venture out onto a glacier alone though. Instead, we recommend choosing an eco-friendly tour operator and taking a guided tour.
While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. If you lose your footing, slide, and fall into a crevasse, you could end up with injuries. Sure, you’ll have a jaw dropping story to tell back home in Canada, but you’re also going to need to get medical care as soon as that happens.
World Nomads travel insurance plans offer cover for emergency medical expenses you incur as a result of an injury, unexpected sickness or death occurring on your trip. Your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses in New Zealand. Your World Nomads travel insurance plan offers coverage for such things as:
- Emergency medical care from a physician
- Wheelchairs, braces, crutches or other medical appliance
- Ambulance transportation
- Bedside companion
- Emergency Professional services
In most situations, medical providers will require payment upfront. Your travel insurance plan may provide reimbursement of the expense you incur.
If you have a medical emergency when travelling to New Zealand, you must contact the 24/7 emergency assistance team prior to seeking medical attention unless your medical conditions prevents you from calling, in which case you must call us as soon as medically possible or have some call on your behalf. Our emergency assistance team can help refer you to a place that offers the level of care that you need. Also remember to save all paperwork and receipts.
If our emergency assistance team or your treating physician recommends that you return to your home province because of your medical condition, World Nomads travel insurance includes coverage for emergency evacuation and repatriation could also help cover the costs to get you there.
Travel insurance for lost bags in New Zealand
If you plan to visit Goat Island Marine Reserve, you may have packed your new snorkel and mask in your checked bag. If you get to Auckland and then realize that the airline lost your bag, the baggage coverage included in your travel insurance for New Zealand may reimburse you for the cost to replace your snorkel, mask, and other baggage and personal effects . When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details what’s covered, depreciation and policy limits.
If you’re lucky, the bag just took a detour and will eventually make its way to you before your snorkeling excursion. Even a delayed bag can be stressful though. If this happens, and your checked baggage is delayed 12 hours or more by your airline or ground carrier, you may be eligible to be reimbursed for the expenses you incur for a change of clothes and toiletries until you and your bag are reunited.
Road trips through New Zealand
If you’re up for a little spontaneity in your New Zealand adventure, you may be interested in renting a campervan and hitting the open road. Road trips have become so popular in New Zealand and you’ll find plenty of rental options - everything from small minivans to Class A RV’s. You’ll also find a variety of camping sites across the country.
Think of it as a hotel room on wheels. You can be flexible and venture out to a wide variety of areas where you can see New Zealand in a whole different way. With all of your belongings in your vehicle though, you’ll want to be careful about not leaving things out in plain sight, as that could be tempting to thieves.
If you’re parked at a remote location like a trailhead, thieves can sometimes try to take an opportunity to break in. They could think your campervan is an easy target. Try to park somewhere your campervan can be seen, and where it is well lit.
You can take the steps to try to avoid thieves on your road trip, but sometimes things happen. If this does happen to you, make sure to contact the police and file a report. You’ll need that if you make a claim.
It’s also important to note that driving there is a little different than driving back home in Canada. Check out our tips for driving safely in New Zealand to make your road trip even more epic.
Travel insurance for cancelled, interrupted, or delayed trips to New Zealand
You’ve put in the time to plan the perfect getaway to New Zealand, but sometimes things happen that can derail your plans.
If your travel companion unexpectedly gets sick before you leave Canada, a doctor may tell him not to travel to New Zealand at that time. Nobody wants to cancel their dream vacation, but sometimes things happen. Your travel insurance for New Zealand policy includes trip cancellation coverage that may reimburse you for your non-refundable flights, hotels, and activities you paid for in advance.
Unexpected things can also happen once you are in New Zealand. If there’s storms back home and you get a call that a tornado has destroyed your house, you may need to cut your trip short and go back home to Canada to deal with that.
If you have travel insurance for New Zealand, and something unexpected happens that causes you to cancel, delay, or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses if the reason you need to cancel, delay or interrupt your trip is a covered reason under the policy, Examples of covered risks include:
- Medical conditions and death
- Travel Advisories
- Strike
New Zealand Travel Tips
Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for New Zealand to review their up to date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist at that time.
New Zealand can have some unpredictable weather. The sun can be brutal there, so make sure to always wear sunscreen. Pay attention to the weather forecasts, but even if it’s predicting nothing but sunny days, always make sure you're prepared for strong winds and potential rain because weather can change quickly in New Zealand.
Remember the numbers 111. That's the emergency service number you can call if you need help from the police, fire department, or if you need an ambulance when you’re in New Zealand.
If you purchase travel insurance for New Zealand, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.
Most Canadians travelling to New Zealand have no problems at all, but since disasters like earthquakes and volcanoes are possible there, make sure to check out our information about what you need to know about natural hazards in New Zealand.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for bungee jumping
Before you leap, make sure your travel insurance covers bungee jumping.
- As featured in:
As featured in:
While bungee jumping might not be too good for the capillaries in your eyeballs, it's best to know the limits of your travel insurance when you leap into a fresh abyss.
- When you buy your policy, make sure to choose the plan that covers the activities you intend to do during your trip, including bungee jumping. You can browse the adventure sports list to see they types of activities we cover.
- We want to make sure that you are safe and having a great time. So be sure to check the credentials of the operator you choose.
- Don't do this on your own! We've seen some backyard cords hanging off all manner of things and can't bear the thought of what could be a big mess!
For more details on how your travel insurance covers bungee jumping, go to our Help Center article.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamSurfing travel insurance
World-class breaks and classic beach towns. Surf’s up! Where’s your travel insurance?
- As featured in:
As featured in:
- What types of surfing are covered?
- Choosing the right policy for you
- What's covered?
- What's not covered?
- Tips to get the most out of your surfing trip
Point breaks, offshore breezes and rays of sun beating on your golden-tanned face. Surfing the azure ocean blue can create a big adrenaline rush ─ but so can stingray encounters, jagged coral reefs and (gulp!) shark attacks. But don’t worry, World Nomads can help get you back on your feet if your surfing trip turns into a wipe-out.
What types of surfing are covered?
Besides hanging ten from the breakers of Australia to Maui, did you know we can also cover:
- Land surfing
- Stand-up paddle surfing
- Windsurfing
- Sandboarding
- Kitesurfing
- Wakeboarding (excluding jumps)
Our policies can cover up to 150 other sports, activities and experiences so if you’re combining your surfing trip with camping or a road trip, you can rest easy knowing we’ve got your back.
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy wording for details or contact us if you have questions.
Choosing the right policy for you
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific surfing plans.
What’s covered?
As surf enthusiasts, you can catch the waves with the coverage we provide, from uncharted towns with pristine beaches to the most popular surf breaks. Depending on your Country of Residence, our policies offer cover (up to policy limits) for:
- Emergency overseas medical: Long lefthanders can be epic to ride, but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
- Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from us.
- 24/7 Emergency Assistance: Our multilingual Emergency Assistance team is here to help facilitate a range of services in whatever part of the world you’re traveling.
- Baggage protection: Got your stuff stolen while surf town-hopping in Costa Rica? Our gear coverage may help with replacing belongings that were swiped from under your nose.
- Trip cancellation: Has a sick or injured traveling companion put a stop to your surf break? Trip cancellation cover may be able to help recover the travel expenses.
Your coverage will vary according to your Country of Residence and whether you chose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage. If you have any questions about your cover, just ask us.
What's not covered?
Sorry – we won’t cover you if you do something stupid (like tackle big-wave off-shore surfing when you’re only a beginner). Some things we may not cover include:
- If you refuse to be repatriated or evacuated
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
- Any expenses that relate to a pre-existing medical condition, as explained in the policy wording
- Expenses that can be recovered from another source
- If you surf while under the influence of alcohol or drugs… water and alcohol never mix!
- Search and rescue costs
- Competition surfing
Tips to get the most out of your surfing trip
When it comes to any sport, safety should always come first. Your health ─ and your travel insurance coverage ─ depends on your responsible behavior. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).
- Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
- Don’t go in over your head. Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing or aerial manoeuvres when you’ve only taken one lesson.
- Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
- Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for coverage.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of coverage and exclusions.
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 when backpacking
Protect the freedom of carrying everything on your back.
- As featured in:
As featured in:
Just you and the open road, the basics on your back, the world at your feet. Backpacking is a rite of passage for many nomads seeking maximum experience for minimum expense. Freedom and flexibility are key and we’re here to help with our policies created by travelers, for travelers just like you.
You might be setting out to find your crew or yourself, to connect with a destination or hit the dance floor. Whatever creature comforts you can do without, travel insurance should be considered.
- Why should I consider insurance when backpacking?
- What’s covered when backpacking?
- What’s not covered?
- Top tips for backpacking nomads
Our policies can help global backpackers
Depending on your Country of Residence and the plan you’ve chosen our policies offer flexible options for your backpacking adventures including:
- Flexible cover for long-term adventures: World Nomads policies may offer coverage for up to a year. And in some instances - depending on your Country of Residence and the plan you’ve chosen - you may also extend your policy or buy travel insurance while abroad for another 12 months . Please note that waiting periods or time excess may apply, even if you don’t have a return ticket.
- Backpacking means adventure! Our policies may cover more than 150 activities, sports and experiences so you can adventure with confidence.
- Want to work or give back? Our policies may offer cover for different types of work, working holidays and volunteering, including for digital nomads.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Choosing the right policy for you
World Nomads travel insurance may help if:
- You’re injured and need medical transport or evacuation home.
- You want cover for your bags and valuables in case they’re lost, stolen or damaged. Keep the paperwork and receipts for your gear.
- You need to cancel your trip, or your trip is unexpectedly delayed.
- You’ve already left home and need to buy travel insurance.
- You want cover for some Coronavirus-related events.
- You need cover for overseas medical expenses and hospitalization costs.
- You’re looking for cover for adventure sports, activities, and experiences.
Your coverage will vary according to your Country of Residence and whether you choose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage.
Why should I consider insurance when backpacking?
If your backpacking travels take you on the wrong kind of adventure – such as a sudden illness or injury, a natural disaster, stolen or lost belongings, or an emergency – travel insurance may be able to help you with expenses, so you’re not left with a huge bill.
What’s covered when backpacking?
Depending on the plan you choose and your Country of Residence, some of the key benefits on our policies include cover (up to policy limits) for:
Unexpected medical emergencies
Your health and safety are a priority when you’re backpacking around the world. That's why our plans offer cover for emergency medical expenses if you fall ill, get into an accident or get hurt on your travels. Please note that terms and conditions, benefit limits, and exclusions apply
Being avid backpackers ourselves, we know that your adventure may take you far from medical help, and if you need emergency evacuation our policies may also cover you.
24/7 emergency assistance
If something goes wrong in an unfamiliar place, it can be overwhelming. With World Nomads you’ll have access to our 24/7 Emergency Assistance Team. Whether you need help finding a doctor for Bali Belly, if you come off your bicycle touring the countryside or if your gear is stolen, our Emergency Assistance team can help with emergencies in most parts of the world where you may be traveling.
Adventure ‘till you drop!
Our policies are designed to allow for maximum adventure, whatever your budget. Depending on the plan you choose and your Country of Residence, you could be covered for more than 150 sports, activities and adventures including:
- Scooter and motorbike riding
- Bungee jumping
- Hiking
- Scuba diving
- Snowboarding
- Skydiving
It’s important to remember that not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Some activities may have special terms and some activities may not be covered at all. If you’re not sure whether your activity is covered, contact us.
Trip interruptions and delay
Don’t let an unexpected incident unravel your backpacking trip - our trip interruption coverage can help salvage pre-paid, non-refundable trip expenses that you’ve had to forfeit if a covered event has disrupts your plans.
Our policies may also cover you if you experience a delay by making sure you have the essentials to be comfortable such as meals, toiletries and even accommodation. Check your policy for any conditions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason.
Stolen or lost baggage
When everything you have with you is on your back, it can be confronting if your gear is stolen, or your travel carrier loses your only possessions. With our travel insurance policies, you may be able make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply so be sure to check the policy wording.
Note: Keep in mind that benefit limits, terms and conditions and exclusions apply depending on your Country of Residence, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Going against local authority warnings by entering closed or restricted areas or places or putting yourself in an unsafe or dangerous situation.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Any remote search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe).
- Any adventure activities or sports that aren’t covered by our policies.
- Certain items such as cash, credit cards and sports equipment damaged while in use
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Top tips for backpacking nomads
- Keep an eye on your gear and belongings. When everything you have is on your back you could be a target for thieves.
- The cheapest option isn’t always the best choice. Be savvy about things like safety in your activities, transport and accommodation options.
- Keep digital copies of your important documents like passport, visas and insurance certificates.
When you buy a World Nomads travel insurance policy, your coverage has been crafted by passionate travelers who have lugged backpacks, battled bedbugs and waited in line for the restroom too. For trip ideas and tips, check out our article on backpacking dos and dont's and heaps more.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Some FAQs
Here are some of our most frequently asked questions about backpacking. You can also find the answers to other questions in our Helpdesk or you can get in touch with our customer service team.
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Does my insurance pay for my accident upfront or do I have to pay and claim?
Who pays depends on what’s happened. If it’s an emergency where hospital admission and/or medical evacuation is required, the insurer may cover these costs upfront (provided the incident is covered as per the policy wording, of course).
-
I'm on a gap year, can I claim for my baggage while I'm away?
You can claim whenever you like, while traveling or when you return home.
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Is there a time period that I have to claim within?
You're welcome to submit a claim whenever you're ready. If you're waiting on documentation, just let our customer service team know, so they can make a note.
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Does it matter if my receipts are in another language?
You can submit your claim with the receipts in another language. If the claims examiner requires you to translate it, they'll let you know.
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
