Surfing 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).
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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 teamTravel insurance when volunteering
Don't let your good deeds go uncovered
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As featured in:
From Oxfam to The Salvation Army, the Brits have a proud history of helping out when they travel abroad.
If you want to give back when you travel, World Nomad’s travel insurance allows you to participate in a range of volunteer activities. From summer teaching programmes to clean water projects, volunteering can help strengthen communities, forge meaningful connections and change lives.
What coverage does travel insurance provide for volunteers?
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What's Covered |
What's not Covered |
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Want to step out into the world and volunteer your time? |
As a global citizen contributing to good causes, we hope that you'll act responsibly and within your limits. But just to be clear, we won't cover any incidents related to: |
What volunteer activities are covered by travel insurance?
In both our Standard and Explorer plans, we provide travel insurance cover for a range of non-manual volunteer activities, which may include:
- Retail work such as helping out in a co-op shop
- Teaching
- Clerical work
- Childcare
- Some volunteering in communities on projects.
For all volunteering work, you must have the right equipment and clothing, the proper training and be supervised appropriately. When you purchase travel insurance, be sure to add the activity to your quote so it’s included in your policy.
We also offer an optional upgrade for manual activities such as:
- World Wide Opportunities on Organic Farms (WWOOF)
- Environmental and conservation work that involved farm hand style activities
- Manual work or work with power tools under two metres in height not involving the use of mechanical or industrial machinery.
What volunteer activities are excluded?
Some volunteer activities may not be covered as they’re just too risky for us to cover, for example volunteer firefighting, or activities in places known to be unsafe or dangerous. This includes volunteer work that includes:
- Work performed over 2 meters in height
- Work performed offshore, underground or in caves
- Operating machinery
- Working with dangerous animals and / or big game.
If you’re not sure about coverage, contact us and we’ll help you.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered.
If haven't yet chosen a volunteer program, you can find inspiration in our article about choosing ethical volunteer programs
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
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Will travel insurance cover me for countries other than those listed on my policy?
That depends on your policy and your country of residence. You may have to put in a request with the customer service team for a country to be added to your policy.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illnesses overseas. They don't stand in place of primary medical insurance or your home health system.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what happened. If it’s an emergency situation, where medical evacuation is required, World Nomads will try and cover these costs upfront (provided the incident is covered as per the policy wording and you get pre-approval from the Emergency Assistance team). You must contact World Nomads 24/7 Emergency Assistance if you have a medical emergency.
Travel Insurance for the USA
What Canadians need to know before travelling to the United States
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As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to the US. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in the US like hiking, surfing and skiing.
- Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage.
The USA is still the most popular destination for Canadian travellers – by far – and not just because it’s right next door. One trip might have you catching a Broadway show in New York, another might see you camping in the red rock expanses of Utah, hiking the Hollywood Hills, or boot scooting at a honky-tonk in Nashville. The beauty of the USA is that you can dip in and out of completely different worlds without ever leaving the country. Distances are vast, so planning matters – but the payoff is a trip tailored exactly to how you like to travel.
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 the USA. 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 the USA
The USA is made for getting outdoors. Hike into vast national parks like the Grand Canyon or Yosemite, or head north to Alaska for glacier trekking, wildlife spotting and kayaking through icy fjords. In winter, ski resorts in Colorado, Utah and Wyoming deliver everything from cruisy runs to backcountry terrain. On the water, California’s coastline is a magnet for surfers, while Hawaii takes things up a notch with bigger waves and year-round conditions. Mountain biking trails cut through forests and desert terrain in Moab or Sedona, ziplining crosses forested valleys in the Great Smoky Mountains, and skydiving anywhere between the Pacific and the Atlantic will add a serious thrill. Road trips in the US are part of the adventure too – long drives on Route 66 or along the Pacific Coast Highway turn the journey into the main event.
Coverage for 250 activities you love + more
Common insurance considerations for the USA
Accidents and emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be glad you purchased travel insurance before you left home. Fell down some steps at a shopping mall? Wiped out on a black ski run and ended up in hospital? Ate a dodgy hotdog and got a bad bout of food poisoning? Emergency assistance is a phone call away
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about travelling? There’s no judgment here. Just make sure you purchase Cancel For Any Reason insurance cover within 15 days of making your first trip payment (like booking a hotel or flight).
Emergency evacuation
If you get seriously sick or injured but you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need. It may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re in hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home.
Trip interruption
No matter how good of a time you’re having, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get severely injured or sick while you're travelling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips for travelling to the USA
- Tipping customs are similar to Canada, but more firmly expected in the US – plan for 15-20% in restaurants
- Healthcare in the US is expensive, which is why you may want to consider comprehensive travel insurance
- Crime levels vary widely by city and neighbourhood, so research where you’re staying, avoid unfamiliar areas at night and take care with valuables
FAQ
Here are our most frequently asked questions about cover for the USA. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do Canadians need a visa to visit the USA?
Most Canadians don’t need a visa for short tourist visits to the USA. You’ll need a valid passport and may be asked about your travel plans at the border.
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Is the USA safe for Canadian travellers?
The USA is generally safe to visit, but safety can vary by city and neighbourhood. Stay aware of your surroundings and take standard precautions, particularly in busy urban areas.
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Can I use my Canadian driver’s licence in the USA?
Yes, Canadian licences are generally valid for short-term visits. Check rental car requirements and insurance coverage before you travel.
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Do Canadians need ESTA to enter the USA?
Canadians generally don’t need ESTA for land crossings or most short visits. However, if you’re flying into the USA, you may need to meet additional entry requirements, so it’s best to check before you travel.
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How long does it take to cross the US border from Canada?
Border wait times can vary widely depending on the crossing point, time of day and season. Weekends, holidays and peak travel periods tend to be busiest, so check live wait times before you go and allow extra time.
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What can Canadians bring into the USA?
There are restrictions on certain items, including fresh food, alcohol and cannabis. You’ll need to declare all goods at the border, and rules can change, so check current guidelines before you travel.
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Do I need travel insurance for the US?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance for Asia: What You Need to Know
What Americans need to know before going to Asia
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel protection plans for your trip to Asia. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Asia like skiing, hiking and swimming.
- Plans for Americans include protection for medical emergencies, trip interruptions and lost luggage.
Asia offers a huge range of travel experiences, whether you’re exploring fast-paced cities, relaxing on the beach or on an adventure-driven escapade. With such diversity between countries, climates and customs, Asia inspires many return trips. Loved Japan? You’re going to want to visit South Korea next. Dreaming of traveling to India? It’s a big country – give yourself time to explore more than one region. Thailand, too, invites a deeper dive – literally. Good preparation, including the right travel insurance, can help you make the most of every trip you take to Asia.
Plan Comparisons
Choosing the right travel protection 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 Asia. 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:
|
Travel protection for adventure activities in Asia
There are outdoor experiences galore in Asia, from high-altitude trekking to tropical water sports. In Nepal and northern India, multi-day hikes wind through the Himalayas, while in Vietnam and Thailand, jungle trails and rivers lend themselves to hiking, kayaking and caving. Along the coasts of Indonesia, Sri Lanka, Thailand and the Philippines, warm waters make surfing, snorkeling and diving popular year-round. Locals and visitors alike love hiking in Japan, and in winter its famed ‘Japow’ snow attracts skiers and snowboarders from around the world. If you’re up for some real adventure, explore Vietnam by motorbike to discover the country well beyond the tourist hotspots.
Coverage for activities in Asia
Common insurance considerations for Asia
Accidents and emergencies
No one likes imagining the worst, but if you do get sick or have an accident that sends you to the hospital, you’ll be glad you purchased travel protection before you left home. Hit by a scooter crossing the street in Vietnam? Wiped out on a ski slope in Japan and have your arm in a cast to prove it? Ate a dodgy curry in India and came down with a nasty bout of food poisoning? Emergency assistance is a phone call away. All World Nomads plans include non-insurance services like portable health records. This enables medical staff to access your records 24/7. Having that information available may be critical if you experience an unexpected medical emergency while traveling.
Food and water safety
A few simple precautions can help you avoid traveler’s diarrhea in Asia. Gastro illnesses are more common in some Asian countries than others, but it pays to be careful no matter where you’re going. Stick to bottled or filtered water, avoid ice and choose freshly cooked food served hot. If you do get sick, the medical expense travel insurance benefit may reimburse necessary emergency medical expenses while travelling. If local care is not suitable in your immediate area, the emergency evacuation and repatriation benefit may cover transport to the nearest suitable medical facility or home for treatment if you suffer an injury or illness that is severe, acute or life-threatening. (Exclusion applies to Adventure or Extreme activities.).
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 protection 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. Change your mind about traveling? There’s no judgment here. Just make sure you purchase the Cancel For Any Reason benefit within 7 days of making your first trip payment (like booking a hotel or flight) and remember to cancel no later than two days before your departure date. Additional cost, terms and conditions apply; not available to New York residents.
Baggage
Even the most careful of travelers can face that sinking feeling when they realize they’ve left their passport or wallet on the train, or that a thief has taken off with their phone or camera and there’s no hope of getting it back. Whether you bought the lost or stolen item on your trip (and have the receipts to show for it) or carried it with you from home, travel protection may be able to reimburse you.
Tips we recommend for travelling to Asia
- Driving rules vary across Asia, with some countries driving on the left and others on the right. Take care crossing the road (it’s easy to look the wrong way to check for oncoming cars).
- Be mindful of food and water safety – in many destinations, it’s best to stick to bottled or filtered water and eat hot, freshly cooked food.
- Learn about a country’s customs and etiquette preferences before you arrive. As a guest in another country, showing respect for local ways of doing things is always appreciated. Whatever you do, don’t stick your chopsticks in your rice or point them at anyone in Japan if you don’t want to cause great offence.
- Ask before you take photos of anyone and avoid taking pictures of children.
FAQ
Here are our most frequently asked questions about cover for Asia. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do Americans need visas to travel in Asia?
Visa requirements vary widely across Asia. Americans can enter some countries visa-free for short stays, while others require a visa in advance or an e-visa. Always check the entry requirements for each destination before you travel.
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Is Asia safe for tourists?
Asia is generally safe for visitors, but safety can vary by country and region. Petty theft can occur in busy areas, and some destinations may have higher risks related to political turmoil, traffic, poverty, weather or local conditions. Stay aware of your surroundings and follow US Department of State travel advisories*. You may want to consider travel insurance for those unexpected situations that arise.
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How do I avoid getting sick in Asia?
Keep up simple hygiene habits – wash or sanitize your hands regularly and be mindful of where and what you eat and drink, especially in busy markets or remote areas. Before you go, check the recommended vaccinations and make sure routine immunizations are up to date. All World Nomads plans for US residents include additional non-insurance services like access to pre-trip medical support. A telehealth consultation can help you with a customized medical plan based on your destination. This may help you prepare for health concerns before you go and the best ways to avoid travel-related illnesses.
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Do I need travel insurance for Asia?
Travel insurance isn’t mandatory, but it’s strongly recommended. Benefits for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
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What if my bags are lost or stolen?
Travel insurance benefits for lost, damaged, destroyed, stolen or delayed bags are included in all World Nomads plans. Also, our non-insurance service included in every plan assists with tracking and delivering missing checked bags.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload and get started. If you get stuck, you can call us collect on +1 844-207-1930 and we can 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 non-insurance Emergency Assistance partners at Generali Global Assistance 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 (877) 289-0968 (toll-free from the Continental US); or
Phone: +1 (954) 334-8143 (collect from anywhere else in the world)
Need destination inspiration for Asia?
Not sure where your next adventure should take you? Take a look at these travel ideas around the world and get destination-specific travel insurance tips to help you plan with confidence.
5 unique cultural experiences in Japan
Hiking travel insurance coverage
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly 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 Thailand
What Canadians should know before visiting Thailand
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to Thailand. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in Thailand like hiking, scuba diving and rafting.
- Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage.
If you’re flying into Bangkok, spend a few days here before continuing on to the islands – this sultry city is more than just a gateway. Think buzzing night markets, late-night street food, long-tail boats on the Chao Phraya River and temples sitting alongside rooftop bars and mega malls. Head north to Chiang Mai for a slower rhythm, with mountain scenery, night bazaars and early morning alms-giving ceremonies, then make your way south where islands like Phuket and Koh Samui bring beaches and fun in the sun. It’s a long journey for Canadians heading to Thailand, but well worth it – it’s a destination that blends standout food, culture and beach time with an ease that makes it hard to leave.
Plan Comparisons
Choosing the right travel insurance coverage depends on your trip type and planned activities. We offer four plans – Standard, Explorer, Epic and Annual – each with different coverages or levels of coverage.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip to Thailand. 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 Thailand
In Thailand’s south, dive or snorkel around Koh Tao and the Similan Islands, kayak through limestone karsts in Phang Nga Bay or try stand-up paddleboarding along calm island shores. Rock climbers can head to Railay Beach in Krabi for dramatic cliff faces rising straight out of the sea. Up north, Chiang Mai and Pai are hubs for trekking, with jungle trails, waterfalls and multi-day hikes through hill tribe regions. Ziplining through rainforest canopy, whitewater rafting on the Mae Taeng River or mountain biking through rugged terrain adds a hit of adrenaline. For something different, try kitesurfing along the Gulf coast, go canyoning in northern Thailand or take a Muay Thai class with a local.
Coverage for 250 activities you love + more
Common insurance considerations for Thailand
Accidents and emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be glad you purchased travel insurance before you left home. Had a car accident in Bangkok? Hurt yourself rock climbing and ended up in hospital? Ate dodgy street food and got a bad bout of food poisoning? Emergency assistance is a phone call away.
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about travelling? There’s no judgment here. Just make sure you purchase Cancel For Any Reason insurance cover within 15 days of making your first trip payment (like booking a hotel or flight).
Emergency evacuation
If you get seriously sick or injured but you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need. It may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re in hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home.
Trip interruption
No matter how good of a time you’re having, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get severely injured or sick while you're travelling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips for travelling to Thailand
- Travel in the shoulder seasons (May to June and September to October) for fewer crowds and better value, but expect short bursts of rain
- Dress modestly when visiting temples – shoulders and knees covered, and shoes removed before entering
- Stay hydrated and pace yourself in the heat, especially in Bangkok and inland areas where temperatures can climb
- Respect local customs, including removing shoes when required and avoiding touching someone’s head or pointing feet at people or sacred objects
FAQ
Here are our most frequently asked questions about cover for Thailand. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do Canadians need a visa to visit Thailand?
Canadians can enter Thailand visa-free for short stays (typically up to 30 days if arriving by air), but entry rules can change, so check before you travel.
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What is the best time to visit Thailand?
November to February offers cooler, drier weather and is the most popular time to visit. March to May is very hot, while the wet season (June to October) brings humidity and short, heavy showers.
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Is Thailand safe for travellers?
Thailand is generally safe, especially in well-travelled areas. Take usual precautions with valuables, be cautious of scams in tourist hotspots and use reputable transport.
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Can I drink tap water in Thailand?
No – stick to bottled or filtered water. Ice in hotels and restaurants is usually safe, but use your judgement in smaller venues.
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What currency is used in Thailand?
The Thai baht (THB). ATMs are widely available and cards are accepted in most hotels, restaurants and larger shops, though cash is still common in markets.
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Is Thailand expensive for Canadians?
Thailand is considered good value. Accommodation, food and transport are generally affordable, though prices rise in peak season and at luxury resorts.
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How do I get around Thailand?
Domestic flights are the quickest way to cover long distances. Trains and buses connect major regions, while ferries link the islands. Within cities, use taxis, tuk-tuks or rideshare apps.
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What should I wear in Thailand?
Light, breathable clothing works best in the heat. Pack something modest for temples and a light layer for air-conditioned spaces.
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Do I need travel insurance for Thailand?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Digital Nomads Travel Insurance
Learn how Canadians can get essential coverage for tech, health and unexpected incidents while being a digital nomad
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents who are travelling as digital nomads
- Gear and baggage protection helps cover lost, stolen or damaged baggage and personal gear (including personal cameras, smartphones and laptops -- up to maximum limits shown in your policy documents, and subject to depreciated value)
- Emergency medical coverage may assist with unexpected emergency medical expenses and emergency medical transportation if you're seriously hurt or sick while abroad
- If your trip is cancelled, delayed, or interrupted for a covered reason, you may be reimbursed for unused, prepaid, non-refundable, forfeited trip costs that could include tours, accommodation and transportation
- Some plans also include rental car protection and roadside assistance
- Why should digital nomads consider travel insurance?
- What’s Covered for Digital Nomads
- Exclusions
- Maximum Coverage Limits for Digital Nomads
- Tips for Being a Digital Nomad
- FAQs
Why should digital nomads consider travel insurance?
The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. How about a lunchtime surf lesson? Yes, please!
These days, you can work from just about anywhere in the world with a strong Wi-Fi connection. For good reason, an increasing number of people are becoming digital nomads. If you’re thinking about jumping on this trend, you may want to consider what happens if something unexpected occurs while you’re travelling. Our nomads have had broken legs, family emergencies back home that cut their trip short and stolen iPhones. Because of all of the what-ifs that can happen while you’re away from home, you may want to consider getting a quote for travel insurance for digital nomads.
What’s Covered for Digital Nomads
- Medical emergencies
- More than 250 adventure sports and activities
- Trip cancellation
- Trip delay
- Trip interruption
- Natural disasters
- Lost, damaged or stolen bags and sporting equipment (including personal laptops, smartphones and cameras)
- Emergency medical evacuation and repatriation
- 24/7 emergency assistance
Exclusions
- Routine healthcare and checkups
- Certain pre-existing conditions as outlined in the policy
- Accidents that happen while under the influence of drugs or alcohol
- Electronic malfunctions
- Items for which you can’t prove ownership
- Items related to your profession or occupation
- Unaccompanied baggage that goes missing
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Coverage Limits for Digital Nomads
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Baggage and Personal Effects: Up to $1,000 CAD, per item limit of $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Baggage and Personal Effects: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Baggage and Personal Effects: Up to $5,000 CAD, per item limit of $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Baggage and Personal Effects: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Tips for Being a Digital Nomad
It's never been easier to unplug and take off now that you can work remotely, and recent data shows there are more than 40 million digital nomads worldwide. If you’re planning to become a digital nomad yourself, here are a few of our personal tips that will help you work productively from anywhere in the world.
- Make sure there’s ample space for you to work productively. You’ll probably want to have a quiet space for those times that require more focus and concentration.
- Never leave your belongings in an unlocked car – even if you think you’re travelling in a safe destination. If you do, your digital nomads travel insurance benefits may not cover your stolen items.
- Make sure you have receipts for valuable items that you’re travelling with (such as personal computers, smartphones and cameras). If you need to make a claim, you’ll need original receipts or sales slips for all lost or stolen articles over $149.99 and proof that you owned the articles.
- Do your research and check out the Canadian government’s safety warningsfor your destination before travelling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where they list any current travel advisories.
- Register with Canadians Abroad to stay updated on emergency situations.
- As soon as you start planning an international trip, check the expiration date of your passport. If your passport is expired, or if you apply for one and don’t receive it in time, you won’t be able to make a trip cancellation insurance claim if you aren’t able to travel to your destination.
- If you purchase a plan, keep a copy of it saved in your phone. It’s also helpful to save the phone number for the 24/7 Emergency Assistance team and have that easily accessible as well.
- Make time for work and play. The whole point of being a digital nomad is to be able to experience a new place, so plan out some time to enjoy your destination. There are over 250 adventure sports and activities that may be included in World Nomads Travel Insurance plans for digital nomads, so get out and have a little fun.
FAQ
Here are our most frequently asked questions about cover for digital nomads. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What is included in travel insurance benefits for digital nomads?
World Nomads Travel Insurance may assist with a variety of unanticipated situations. Some of the travel insurance benefits for digital nomads include:
- Medical emergencies
- More than 250 adventure sports and activities
- Cancelled, delayed and interrupted trips
- Natural disasters
- Lost, damaged or stolen bags and gear (including personal laptops and cameras)
- Emergency medical evacuation and repatriation
- 24/7 emergency assistance
Maximum benefit limits apply and vary by plan. If you have questions about what’s covered, you can contact us.
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What is the best travel insurance plan for digital nomads?
World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents. While all of the plans include coverage for digital nomads, benefit limits and some coverages vary by plan. When you get a quote for digital nomad travel insurance, you can compare the plans side-by-side and determine which plan has the best travel insurance benefits for your needs.
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Will travel insurance cover my laptop and smartphone if it is stolen?
Our plans are designed to provide coverage for your stolen baggage and personal effects, including electronic devices such as personal computers and smartphones. While our plans may provide cover for your personal electronics that you own and take with you on your trip, we will not cover your professional gear that is owned by someone other than yourself or used for professional purposes. Our plans do not cover tech that is related to your occupation or profession. Also, in the event of a payable claim, note that depreciated value will be considered when calculating the value of your electronic items, and there are maximum per-item limits defined in your policy.
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Is emergency medical care covered when I’m working remotely in another country?
World Nomads travel insurance for digital nomads includes emergency medical insurance coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for everyday or preventative care, such as allergy medications or routine check-ups, but if you have an unexpected medical emergency while travelling, your travel insurance benefits may help with things such as hospital stays, prescription medications, and x-rays (subject to approval.) You also must maintain coverage through your home province’s Government Health Insurance Plan. Without it, emergency medical coverage limits max out at $40,000.
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What should I do if I have a medical emergency while travelling abroad?
In the event of a life-threatening emergency, call the local emergency authorities first to receive immediate assistance. If you’ve purchased a World Nomads plan that includes digital nomads travel insurance benefits, contact the 24/7 Emergency Assistance Team as soon as you can or have someone call on your behalf. They’re available 24 hours a day, 7 days a week, 365 days a year.
You’ll want to have this information handy when you call:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
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Am I required to have a Government Health Insurance Plan (GHIP) while I am travelling?
You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
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What should I do if my passport is stolen?
If your passport is stolen, or lost or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of replacement (up to maximum limits as shown in your policy documents).
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report to document the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.
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)
