Why we believe you should always protect your hard earned vacation from the unexpected.
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For those who never travel with travel insurance, you’ll hear things like "Oh, it doesn’t matter if you lose your bags, just travel light with stuff you can afford to replace” or “Medical bills in Southeast Asia are pretty cheap if you need to get over food poisoning” or our favorite "Travel insurance companies will just tell you the horror stories to get you to buy insurance."
The last one is unashamedly true. We absolutely want you to know we’ve had to deal with thousands of emergencies and evacuations over the years. We want you to know that without travel insurance, an emergency evacuation can cost in excess of US$100,000.
Most of the time you go on holiday your travels will be memorable for all the right reasons. You’ll not have to experience the nightmare of being seriously ill or injured in a foreign country. But if you do, the last thing you want is not having the support or financial means by which to get treated and flown home.
For that alone, you may find travel insurance is worth considering.
It can however be a little confusing, so let’s try and demystify travel insurance.
At World Nomads, we aim to present insurance terms with clarity, however there are times when certain terms and conditions will have various restrictions, limits and exclusions, which only the description of coverage (policy wording) can fully explain.
Travel insurance is ultimately a legal contract. You should spend the time to read all the details and description of coverage and exclusions (policy wording) thoroughly and ask questions if you don't understand what you're covered for prior to purchase.
Here, we outline simply what each major part does:
Having access to overseas medical cover in case of a severe injury or a sudden illness that lands you in hospital could be a life saver in more ways than one. Hospital costs in some countries like the US can approach US$10,000 per day, while emergency transport home for treatment (medical repatriation) can easily exceed US$100,000.
Definitely take the time to read this part in detail, especially the areas of cover for emergency evacuation, benefit limits on medical expenses and cover for emergency dental work. Also make careful note of the general exclusions, which are outlined in the description of coverage (policy wording).
Our policies have been created to include coverage for some Coronavirus-related events to give travelers access to benefits including emergency medical coverage and benefits related to travel expenses on the Explorer Plan. It varies by Country of Residence and depends on which plan you have purchased.
The level of coverage you’ll have for any Coronavirus-related events will depend on your Country of Residence. If you are diagnosed with COVID-19 while overseas, your benefits may include:
To find out what cover applies to you, read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, conditions and exclusions.
There’s nothing worse than having to cancel your holiday because of a sick relative, work issues or some other major life event. With World Nomads you’ll have access to cover for costs if you suddenly find you can't go on your trip for some unforeseen reason such as illness, an accident or a death of a close relative.
Not all travel insurance plans cover cancellation, and only some cover your non-refundable, pre-booked costs if your trip is interrupted after you've left home, so please read the description of coverage (policy wording) relevant to you carefully.
While loss of your personal belongings is often the main reason most people buy travel insurance, it is arguably the least important: your things can be replaced but your health often can't. World Nomads expects you to take 'reasonable care' of your belongings which means a claim may be denied if you leave your camera in a shared room in a hostel or in your car overnight (unsupervised in a public place) and it's stolen.
If you are taking your laptop, camera and other valuables with you, some of our travel insurance plans may allow you to specify these items to cover their higher value. Check your policy benefits and description of coverage (policy wording) carefully for the limits on this cover and exclusions, particularly for cash, high value items and sporting equipment.
First off, this is not insurance for liability while you are driving your car or motorbike or operating any watercraft. If you are otherwise involved in an accident or accidentally cause damage and are held accountable for it, insurance can cover your liability and legal expenses. Once again not all World Nomads policies offer this type of cover so, please read the description of coverage (policy wording) relevant to you.
Travel insurance usually ends the minute you arrive home, so if you have bought a policy for 12 months and come home after four, you aren't entitled to a refund on the 'unused' portion. For some of our policies, you can resume your trip on the same policy; you just won't be covered for the time you're at home. Read the description of coverage (policy wording) and look at the clauses for period of coverage and the terms 'medical evacuation', 'trip interruption' or 'curtailment' for details on when you may be covered for expenses if you have to return home early (and always read the exclusions to cover carefully).
All travel insurance policies have specific benefits, conditions and exclusions so it's common sense, and necessary to take the time to read the policy wording carefully. These vary depending on your Country of Residence, so please take the time and always contact us if you are unsure about anything.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
You can compare the Standard and Explorer plans and prices through getting an instant online quote.
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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If your swimsuit is packed for your sunny vacation to California but suddenly you can’t go, travel insurance could help. You may be able to claim for your non-refundable costs of cancelling your trip (a 72-hour waiting period applies before coverage begins).
For Brazilian residents, all of World Nomads travel insurance plans include cancellation cover if you have an accident or get sick before you leave.
In addition, you may be covered for cancelling your trip if a close relative (your father, mother, spouse or child) is hurt or seriously ill (policy conditions apply).
If you’ve bought your travel insurance policy with World Nomads, you may be able to make a claim for your non-refundable cancellation costs. These include (but are not limited to):
Note that if you transfer your trip to another person as a result of one of the covered events, the transfer expenses may be covered by this coverage, provided they do not exceed the cancellation expenses.
Travel insurance cancelation cover doesn’t include everything. This means you may not be covered if you cancel your trip due to:
This is not a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information read your policy carefully before you buy.
Depending on your claim, you'll need copies of:
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamSimple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling and claim online from anywhere in the world.
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Big dumps, fresh tracks and bluebird days will make for an epic trip, yet accidents on and off the hill do happen, even to the most experienced sliders. If you’re just learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance for residents of Brazil may be able to help you and your family when the unexpected hits your next winter adventure.
Thousands of sports enthusiasts tackle the slopes every season, usually without any major incident. But adventure sports can be risky, especially when frosty temperatures and spine-rattling runs are part of the picture.
If your next vacation includes time on the slopes, you could find yourself needing help for anything from emergency medical care to an emergency evacuation or repatriation back home.
Here are a few case scenarios where travel insurance for skiing and snowboarding could be a real asset. Just remember these are example scenarios only. All claims require documentation and will be reviewed on a case-by-case basis.
Whether you’re on- or off-piste, navigating steep (and even not so steep terrain) can be tricky. It only takes one bad fall or collision to end up with a broken ankle, a dislocated shoulder, or a wrist fracture. Emergency medical bills can be just as painful as a crash. This is where travel insurance can soften the blow.
When you get hurt on a mountain, getting transportation to a hospital can be critical. Our 24/7 Emergency Assistance Team can help plan your evacuation so that it’s timely and efficient. And thanks to travel insurance, it doesn’t have to cost an arm and a leg.
If your skis or snowboard have been lost or damaged by your common carrier (your airline or other transportation provider), you could get reimbursed for the current value of your equipment (which factors in depreciation) or the cost of a replacement, up to a per item and total maximum limit. (Damage from the use of sports equipment is not covered.)
Maybe an avalanche buried your lodge or a snowstorm delayed your connecting flight. Our plans cover inclement weather under certain circumstances. For example, if your flight is delayed en route to your destination for more than 12 hours, you could be reimbursed for food, taxis and accommodation you needed to purchase during the delay, up to the limits outlined in your plan. Read your policy wording for full details.
You wouldn’t forget to pack your ski jacket and gloves – so why would you leave home without travel insurance?
World Nomads travel insurance is designed to help you explore your boundaries. For residents of Brazil, we automatically provide coverage for more than 180 activities on and off the slopes.
As passionate ski bums, we’ve designed our plans to cover the style of riding our Brazilian Nomads love the most*:
Coverage is available for international trips or for domestic trips more than 50 kilometers from home.
*Standard, Explorer and Explorer Plus plans differ in their coverage of skiing or snowboarding activities. Conditions and exclusions apply. Read our Help Center article on adventure sports coverage to choose the right plan for your trip.
This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to help.
Ready to hit the slopes? When you get a quote you can compare our Standard Explorer and Explorer Plus plans for residents of Brazil, and decide which one might best suit your needs. Still not sure? Get in touch and we can help you decide which travel insurance is best for your next snow adventure.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamSimple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Here are our most frequently asked questions about overseas travel insurance. You can also ask our customer service team.
Simple and flexible protection for Brazilian hikers and trekkers worldwide
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At a glance:
Whether you’re hiking through tropical jungle, trekking Mont Blanc, or climbing Mt. Kilimanjaro, the right travel insurance can help keep your adventure on track. World Nomads offers coverage for a wide range of hiking styles, from casual day hikes to multi-day wilderness treks, and includes benefits that may help if your plans are disrupted by unexpected events.
As passionate hikers ourselves, we’ve designed our plans to support many types of trekking adventures. Whether you’re dreaming of the Camino de Santiago, exploring California’s towering redwoods, or heading out for a modest day hike, our coverage helps protect you from a variety of mishaps. Residents of Brazil can access coverage for more than 180 sports, activities, and outdoor experiences, including hiking, trekking, camping, and backpacking under 3,000 meters.
We offer three single-trip plans, each with different coverage levels and limits so you can choose the best fit for your route and comfort level:
Standard Plan
Includes a range of benefits such as overseas emergency medical, cover for your belongings, pre-trip cancellation, and certain adventure activities.
Explorer plan
Includes all the benefits of the Standard Plan and a few more, including COVID coverage, plus higher coverage limits and/or sub-limits.
Explorer Plus plan
Includes all the benefits of the Standard and Explorer Plans, with the highest coverage limits and/or sub-limits of all three plans.
Get a quote and compare the plans to see which level of coverage is right for you.
When you’re comparing coverage levels, consider the distance you’ll travel, the type of terrain you’ll encounter, the value of your gear, and how remote your destination will be. Getting a quote can help you see the difference in benefit limits from one plan to the next.
Hiking and trekking take you off the beaten path - and sometimes far from help if something goes wrong. Even on well-marked trails, things can go sideways quickly, from a sprained ankle to sudden illness or stolen baggage. Travel insurance designed for hiking may help protect your trip from unexpected medical emergencies, delays, and disruptions so you can explore confidently, knowing you have support if you need it.
Whether you’re traveling across the country or to a far-flung region of the world, your hiking adventure is an investment of time, money, and preparation. Insurance gives you the flexibility and backup you need if weather changes, connecting flights go off-schedule, or your bags fail to arrive at your destination. Having protection in place means you can focus on the trail ahead - not on what might go wrong.
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
To make the most of your trek, keep the following tips in mind:
Check the weather before you go, inspect your gear, and make sure your footwear and equipment are suited to the terrain. If you’re joining a guided tour, confirm that your operator is accredited and experienced.
Even moderate hikes require stamina, balance, and strength. If you’re tackling altitude, such as on the Inca Trail, make sure you’re prepared for the thinner air. Train appropriately in the weeks before your trip.
Match the trek to everyone’s experience level. Wear appropriate clothing and safety gear, stay hydrated, and respect environmental guidelines.
Any claim you submit will require proof, such as purchase receipts or reports of loss or theft. Keep digital or printed copies of your important documents throughout your trip.
When you’re ready to start planning, head to our website to get a quote and compare plans.
In addition to hiking and trekking, World Nomads covers more than 180 sports, activities, and experiences, from camping and rock climbing to many other outdoor pursuits. If your adventure goes beyond hiking, be sure to review our full list of covered activities to confirm what’s included in your plan.
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
Because unexpected events, from injuries to lost baggage, can disrupt even the best-planned itinerary. Our three plans (Standard, Explorer, and Explorer Plus) offer varying coverage limits so you can match the level of protection to the difficulty and duration of your hike.Our plans cover emergency medical expenses, evacuation, trip cancellation, trip delay and more.
Many travelers buy coverage soon after booking their flights or accommodations so they can access pre-trip benefits like trip cancellation coverage. Purchasing early also ensures you’re protected if an unforeseen circumstance forces you to change plans before departure. Get a quote.
Yes, emergency medical evacuation coverage is included when medically necessary and approved by the 24/7 Emergency Assistance Team and the treating physician. Evacuation may include transport to the nearest adequate medical facility, a service that can be extremely costly without insurance.
If you’re looking for inspiration for your next trek, explore some of the world’s most iconic hiking routes and start planning with confidence.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamSimple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Simple and Flexible Travel Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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World Nomads travel insurance has been designed by travellers for travellers, to help you explore your boundaries.
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I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.
As featured in:
I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.