Long term travel insurance
For those who aren't going home anytime soon.
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This content is for New Zealand residents only.
What does long term travel insurance cover?
We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities and events including casual bar work, skiing, zorbing and much more.
Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:
- Overseas medical
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide assistance
How do I buy more travel insurance cover?
You can buy more cover, even if you’re already on the road. Generally cover lasts for up to one year, but if you want to extend your trip beyond one year, you just need to jump online to get a quote.
You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.
What’s not covered on long term travel insurance?
There’s a number of other exclusions so make sure you read your policy and know what you aren’t covered for. These include but aren't limited to:
- Anything illegal (you didn’t really think we’d cover that did you?)
- If you've taken drugs or alcohol
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Ongoing treatment in your home country
It’s important to remember that World Nomads offers travel insurance… not medical insurance. That means most of our policies won’t cover you for existing medical conditions or ongoing medical care (we'll patch you up and send you home).
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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.
Severed Nerve
I was opening a bag of potatoes with a knife. The knife slipped and cut the 2nd (index) finger on my left hand. I attended the local emergency department in Aix-en-Provence at no charge, they referred me to Clinique Axium the following day. I underwent micro surgery to repair the ulnar nerve in my finger which I had partially severed (50%). Up until this time I was unaware that I had injured the nerve and definitely wasn't aware that I would require surgery. This operation was conducted under local anaesthetic.. I have had 2 follow up appointments at the Clinique the first of which was to issue a prescription to enable my dressings to be changed along with having a specialised splint made to keep my finger in a bent position to enable healing.
T.P. Kiwi in France.
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)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamLong Term Travel Insurance
For those who aren't going home anytime soon.
- As featured in:
As featured in:
We've designed our travel insurance policies to cover more than 150 activities and events, including casual bar work, skiing, zorbing and more. If you're looking to travel long-term, we have travel insurance that can keep you covered for up to 12 months.
- What can long-term travel insurance cover?
- Who might want to buy travel insurance for a long trip?
- How long can travel insurance cover me for?
- What if I don't know how long I want to travel for?
- What's not covered by travel insurance?
What can long-term travel insurance cover?
Whether you’re going on a long trip or a short trip, all of our travel insurance policies provide Australians cover for:
- Trip cancellation: we may reimburse your prepaid non-refundable trip cost if something unexpected happens and you need to cancel your trip. Covered risks include an unforeseen medical condition or government travel advisory.
- Trip interruption: coverage may provide reimbursement for your unused, prepaid non-refundable trip costs and for additional expenses you incur, such as airline change fees, if after you’ve started your trip, your trip is interrupted. If you get sick or injured and need to make a change to your travel plans or your trip is interrupted for another covered risk, such as a missed connection due to inclement weather or airline strike, you may need trip interruption insurance. Read your Product Disclosure Statement (PDS) to make sure your situation is covered before you make a claim. Contact us anytime if you need assistance rebooking your trip.
- Emergency medical expenses: like an urgent visit to the doctor if you become sick or injured, prescription medicine to help you get well, ambulance transportation, x-rays, and hospital stays.
- Emergency medical evacuation: if you get injured or really sick and the local doctor recommends that you return back to Australia.
- Delayed, lost or stolen baggage.
- 24//7 worldwide emergency assistance.
Our travel insurance policies are designed by travellers, for travellers. At World Nomads we love to explore our boundaries when we travel. We cover more than 150 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.
Who might want to buy travel insurance for a long trip?
Travellers might be interested in purchasing a long stay travel insurance policy. This could include:
- University students going to study abroad who want to travel in between quarters or semesters.
- Backpackers and road-trippers on a long-term holiday.
- Digital nomads making the most of work and play.
- Lucky Aussies who have won the Powerball and are heading out to explore the world with their newfound freedom and bags of money.
- Families travelling for the summer holidays.
How long can travel insurance cover me for?
Our policies are designed to be flexible. We offer short and long-term travel insurance policies, and allow travellers to extend their coverage (or buy a new plan) even while overseas. Aussie residents can buy a World Nomads travel insurance policy for a maximum duration, including all extensions, of 12 months from the departure date.
When you get a quote, you can compare our two plans, Standard and Explorer, and download the full PDS before you buy.
What if I don’t know how long I want to travel for?
If you’re planning to explore the world for a while, but you don’t know how long you’ll be gone for, don’t worry. You have a couple of options to ensure you’re covered while you’re away:
- Extend your policy: You can extend your policy online through your World Nomads Member Account. And you can extend from overseas while travelling, as long as you extend your policy before it expires. Terms and conditions, and limitations apply so check the PDS details before you purchase to make sure this will suit your needs.
- Purchase a new policy: If your policy has expired, you can purchase a new one while you’re still travelling. If you buy travel insurance during your overseas holiday, you are still subject to a 72-hour waiting period from the date that you receive your Certificate of Insurance, before your cover comes into effect. This means that you may not be covered for certain events or losses that happen during this period. Your PDS will have full details to understand the cover, limits, and exclusions.
- Purchase and track your policies with your World Nomads membership: If you buy travel insurance with us, log in to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log in before purchasing each new policy.
When you can’t buy more cover
You won’t be able to buy more cover or extend your policy if it’s already expired, if you’re 70 years old (or older) or if the policy/product you bought is no longer available.
What’s not covered by long-term travel insurance?
All travel insurance policies have exclusions and limitations. We won’t provide cover for:
- If you've taken drugs or overindulged in alcohol.
- Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for out of country medical emergencies).
- Ongoing treatment at home.
- Some pre-existing conditions, especially those not stable and controlled.
- Cancelling your trip due to fear of travel or just changing your mind.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS 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.
Gastro in Bali
I arrived home around 7:30ish from dinner feeling unwell and attempted to go to sleep. About half an hour later i threw up and had diarrhea which continued on and off for few hours. Around 1:20 am my heart begun palpitation and I felt dizzy with blurry vision. I called my mother and father whom are currently in Bali also on holiday. They came to where i am staying and decided it was best to take me to the emergency room. I was taken to Kasih Ibu Hospital in Denpasar. Where doctors treated me and kept me in the ICU for 2 days for further observation and testing.
Australian in Bali.
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
- Have you died?
- Has one of your relos died?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamWhat to do if...
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.
- As featured in:
As featured in:
Bitten by a shark.
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.
S.C. British Nomad in the Galapagos Islands.
Travel Insurance for Overseas Medical
A visit to the hospital shouldn't put your credit card into intensive care
- As featured in:
As featured in:
Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.
That’s why our policy is designed to help British travellers when unexpected illness or injury strikes and to get you back on your feet and, ideally, back on the road.
Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.
What’s covered by overseas medical travel insurance?
World Nomads travel insurance covers accidents and emergencies when you’re travelling overseas.
If you’re accidentally injured or suddenly become ill while travelling overseas, our 24/7 Emergency Medical Assistance team is on hand to help you. Cover may include:
- Assistance locating and paying for medical care including a doctor, dentist, chiropractor or medical facilities in your location or nearby.
- Hospitalisation.
- Out-patient care and day surgery.
- Ambulances and medical transport, including by helicopter if medically necessary and available.
- Prescribed medicines.
- Transport home to the UK if we deem it medically necessary.
Am I covered for COVID-19 while overseas?
All our plans include emergency medical cover for travellers who get sick with Coronavirus while travelling overseas, where it is not considered a ‘pre-existing medical condition’ per the definition in the Policy Wording. If you are diagnosed with COVID-19 while overseas your benefits may include:
- 24/7 access to our Emergency Medical Assistance team, who can help you access local medical care;
- Medical costs including hospitalisation;
- Evacuation or repatriation if deemed necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.
Reciprocal health agreements and medical cover
World Nomads policies cover accidents and emergencies only and is not a health / private insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no reciprocal health agreement in the country in which you are travelling.
If you are travelling to a country where the NHS has a reciprocal healthcare agreement, such as Australia or New Zealand, you will need to apply for reciprocal health cover before you leave the UK.
What’s not covered by travel insurance?
Though our policy may cover accidents and emergencies, it’s not a catch-all for every incident. Medical conditions or circumstances we don’t cover include:
- If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
- Injuries or illness from drugs or alcohol.
- If you’ve been acting recklessly
- Pre-existing medical conditions as defined in the Policy Wording.
- Ongoing treatment at home.
- Non-emergency treatment that can wait until you get home.
- If there is a reciprocal health agreement in the country in which you are travelling.
- If you booked a one-way ticket to your destination, we will not pay for your return ticket home.
If things do go wrong contact our 24/7 Emergency Medical Assistance team. They can advise on your cover and get you in contact with medical help as quickly as possible.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
So that's the policy details - why not get a quote and see if it's right for you.
How to get medical assistance
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance team as soon as possible, so that the team can support you from the time you fall sick or get injured until the time you're well again.
So that they can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Sick in Vietnam
I was so relieved and grateful to all of the World Nomads team to get insurance cover for my treatment this week whilst I have been sick in Vietnam. Thank you for all your hard work and understanding to manage my complicated case with negotiations and international correspondence. I received a truly professional service from you.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- 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?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the 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.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't have a list of doctors or dentists. If you need help finding one, contact our 24/7 Emergency Medical Assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of the NHS or your private health insurance.
Single trip travel insurance
You don't need a return ticket to buy travel insurance.
- As featured in:
As featured in:
For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022 please see below.
You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance comes in, covering the gap between your old life and new.
Start your future on a high note
World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going.
Most of our travellers on a one way ticket are moving for a new job and are most concerned about cancellation or losing their baggage on the way.
We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.
Single Trip cover
All World Nomads policies cover those events our travellers most often encounter including:
- Emergency medical expenses abroad
- Cancellation
- Luggage cover
- 24/7 Worldwide emergency assistance
We cover more than 150 activities and sports depending on the policy you choose and if it’s not on the list, contact us and we’ll let you know if we’ll cover it.
Exclusions
There are of course exclusions which apply. Some of the exclusions which may apply are:
- Cancellation or other expenses if you change your mind and decide not to go.
- You do anything illegal (You didn’t really think we’d cover that did you?)
- If you’ve taken drugs or alcohol
- Non-emergency treatment that can wait until you return home (it's not private health/medical insurance, it's for travel emergencies)
- Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).
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 you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
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 drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamSingle Trip Travel Insurance
You don't need a return ticket to buy travel insurance.
- As featured in:
As featured in:
You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance comes in, covering the gap between your old life.
Start your future on a high note
World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going.
Most of our travellers on a one-way ticket are moving for a new job and are most concerned about cancellation or losing their baggage on the way.
We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.
Single Trip cover
All World Nomads policies cover those events our travellers most often encounter including:
- Medical
- Cancellation
- Luggage cover
- 24/7 Worldwide assistance
We cover more than 150 activities depending on the policy you choose and if it’s not on the list, call us and we’ll let you know if we’ll cover it.
Exclusions
There are of course exclusions which apply. Some of the exclusions which may apply are:
- Cancellation or other expenses if you change your mind and decide not to go.
- Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act
- Medical claims arising from alcohol and/or drug abuse
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Pre-existing medical conditions
This is not a full list of what is and isn't covered. Make sure you read your policy wording so you know what you're covered for.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- 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?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 230+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamSingle trip travel insurance
You don't need a return ticket to buy travel insurance.
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This content is for New Zealand travellers.
You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance comes in, covering the gap between your old life.
Start your future on a high note
World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going.
Most of our travellers on a one way ticket are moving for a new job and are most concerned about cancellation or losing their baggage on the way.
We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.
Single Trip cover
All World Nomads policies cover those events our travellers most often encounter including:
- Overseas medical
- Cancellation
- Luggage cover
- 24/7 Worldwide assistance
We cover more than 150 activities depending on the policy you choose and if it’s not on the list, contact us and we’ll let you know if we’ll cover it.
Exclusions
There are of course exclusions which apply. Some of the exclusions which may apply are:
- Cancellation or other expenses if you change your mind and decide not to go.
- You do anything illegal (You didn’t really think we’d cover that did you?)
- If you’ve taken drugs or alcohol
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Certain existing medical conditions
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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.
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
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamHoliday travel insurance
Get out and about overseas.
- As featured in:
As featured in:
For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
How does travel insurance cover my holiday?
We know the most unexpected things can happen when travelling - activity-related accidents, earthquake, Coronavirus. So we've built our policies to help cover as many of those unexpected situations as we can. All of our policies have cover for:
- Emergency medical expenses abroad
- Luggage/baggage cover
- Cancellation
- 24/7 worldwide emergency assistance
World Nomads travel insurance also:
- Makes it easy to buy and claim online even if you’re travelling
- Lets you buy a policy at destination if you choose to keep travelling
- Provides you free access to travel safety advice for your next adventure
- Offers cover for a wide variety of adventure activities
- Gives you 24hr emergency assistance
What’s not covered on holiday travel insurance?
We've seen some pretty strange things on the road. Some of the exclusions include:
- If you do something illegal
- Where you've been acting in a reckless manner
- If you’re intoxicated as a result of taking drugs or alcohol
- Any costs associated with a sexually transmitted disease (except where contracted through an assault)
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 you are unsure about your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
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 drugs?
- 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 to get to hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 Families
World Nomads offers travel insurance plans that ensure your family is protected—whether you're travelling with babies, children, or teenagers. Get an instant quote 24/7.
- As featured in:
As featured in:
- Dependents eligible for cover
- How could World Nomads family travel insurance help?
- What’s not covered
- Tips for New Zealand families planning a trip abroad
- FAQs for family travel insurance
Protect your loved ones on holiday
Travelling with your family is a whole different ball game. While you may have once pushed boundaries on your own, you now have loved ones in tow. That’s where World Nomads Travel Insurance comes in, we are here to support New Zealand families when unexpected events occur.
Dependents eligible for cover
With World Nomads travel insurance cover, a dependent is:
- Child(ren) or grandchild(ren), or others for whom you are the legal guardian and,
- Who are not in full time employment and,
- Are 20 years old or younger at the Policy Issue Date and,
- Are travelling with you on your trip and are listed as covered on your Certificate of Insurance.
Note: age limits for dependents as outlined above will vary depending on your country of residence. Always read the Policy Document so you know what you are and are not covered for.
When applying for a policy there must be at least one adult insured on the policy, and at least one of the insured adults on the policy must be the legal guardian of the dependent(s).
If a dependent is not travelling with their legal guardian they may need their own policy, depending on your country of residence. Read the Policy Document carefully to choose the right plan and level of cover for everyone who is travelling with you. Your policy may have terms, conditions, limitations, and exclusions.
Did you know: You can add your children and grandchildren to our policies at no extra cost? Only adults are charged. It’s just one of the ways we look after families on their travels.
How could World Nomads family travel insurance help?
World Nomads is dedicated to assisting New Zealand families with:
- 24/7 emergency assistance: Quickly locate local medical services and hospital care if needed.
- Cover for 220+ adventure activities: Enjoy your holiday knowing that many common travel activity related injuries and related incidents are covered.
- Overseas medical: Protection for overseas medical emergencies including access to hospitals and dental.
- Trip cancellations: If you need to cancel your trip we may help cover some costs.
- Baggage and high-value items cover: if your baggage or items are stolen, lost or damaged you may be covered, including benefits if your bags are delayed and you need to purchase emergency clothes and toiletries.
- Coverage for extended stays: if you’re having too much fun and want to extend your family holiday, your plan can be extended while still traveling for up to 12 months from your departure date (terms and conditions apply). You can extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.
Travel insurance tip: If you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated (except for emergency medical as a result of a sudden accident which is witnessed and verified by an independent third party).
Get travel advice through our Travel Wiser content, FAQs, guides, safety information, and travel alerts.
To avoid any surprises when making a claim, it’s a smart idea to become familiar with the various limits, benefits, available upgrades, terms and conditions before you buy a policy.
What’s not covered by our plans
Be sure to review your policy carefully, as there are exclusions, such as:
- Cancellation for change of mind: Expenses incurred if you simply change your mind are not covered.
- Illegal activities: Any costs related to unlawful actions are excluded.
- Non-emergency treatments: Routine treatments that can wait until your return are not covered (this is for travel emergencies only).
- Certain existing medical conditions: Some conditions may not be covered as specified in your policy.
Tips for New Zealand families planning a trip abroad
- Prepare in advance: Research and purchase your travel insurance as soon as you book your holiday to maximize coverage benefits. Give yourself plenty of time to get to airports, get through security and board transport. Keep your schedule loose and flexible.
- Read the fine print: Ensure you fully understand the policy exclusions, especially concerning existing medical conditions and non-emergency treatments.
- Prepare documentation: Keep copies of important documents, such as medical records, passports, birth certificates, and travel itineraries. Always check visa requirements of your intended destination(s) – some countries require you to have at least 6 months validity on your passport.
- Emergency planning: Familiarize yourself with local emergency services at your destination and share your travel plans with a trusted contact back home. Take relevant medical information with you and keep it handy.
- Budget for unexpected costs: Consider setting aside extra funds for emergencies, even if you’re covered by insurance.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
FAQ
Here are our most frequently asked questions about cover for families. 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 the definition of a family travel insurance policy?
Two adults, 69 years old or younger at the time you buy your policy or purchase more cover, who are travelling together for the majority of the trip with one to eight dependents.
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What is considered a close relative?
A close relative is defined by us as your spouse/de facto partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter or guardian.
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Am I covered if I need to cancel my trip because a relative is sick/injured?
If a close relative is suddenly hospitalised or dies from a sudden illness or serious injury, then your travel insurance policy can help if you have to cancel or re-arrange your trip.
If you have to cancel or rearrange your trip, there may be cover for:- The non-refundable portion of your travel expenses, including transport, accommodation, tours/experiences, tuition/course fees, travel agency cancellation fees and frequent flyer points.
- Your reasonable and necessary additional transport and accommodation expenses to return home early to visit your family, including:
- the costs incurred to change your flights to an earlier date; and
- The costs of itemised phone calls and internet expenses incurred when contacting us or your travel provider to rearrange, resume, catch up to or end your original travel plans.
- Costs incurred to re-arrange your travel plans so you can resume your trip after your visit home.
How it works
Before you change your plans, you must contact your travel providers to try to minimise your expenses and request any refunds or rescheduling assistance. You may resume your trip under the same policy up until it’s end date (with pre-approval of trip resumption costs first).
You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim. Also be aware that any claim submitted will have the policy excess applied.
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Does World Nomads cover existing medical conditions for children?
It depends on the specific policy terms. Please review the PDS or contact customer service for guidance on coverage for your child’s condition.
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How do I buy travel insurance for the family?
Go online and enter a few details about yourself, your destinations, and the ages of all your family members. We will generate an instant quote with both Standard and Explorer plan options, and you can pick which one suits your specific needs. Once you’ve selected the right level of cover and paid, you will get instant confirmation of your family travel insurance to your selected email.
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
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover more than 150 activities you love + more
Here are several activities under each category that World Nomads love to do:
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. Please read your policy wording carefully before you buy.
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Snow
- Bobsledding
- Ice Hockey
- Ice Skating
- Kite Wing
- Skiing
- Snowboarding
- Snow kiting
- Snowmobiling
- Tobogganing
Water
- Canoeing
- Kayaking
- Paddle Boarding
- Sailing
- Scuba Diving
- Snorkelling
- Surfing
- Tubing
- Windsurfing
Air
- Aerial Safari
- Ballooning
- Bungee Jumping
- Hang Gliding
- High Diving
- Hot Air Ballooning
- Passenger in a commercial aircraft
- Skydiving
- Tandem Skydiving
- Zip Line
Land
- Bushwalking
- Camel Riding
- Camping
- Caving
- Hiking
- Orienteering
- Motorbiking
- Mountain Biking
- Trekking
Sports
- Baseball
- Basketball
- Cricket
- Fencing
- Go Karting
- Golf
- Hockey
- Tennis
- Ultimate frisbee
- Volleyball
Experiences
- Childcare work
- General farm work
- Hospitality
- Restaurant
- Teaching
- Fruit Picking
- Admin work
- Office work
- WWOOFing
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 Stolen or Lost Credit Cards
When your cards get stolen or lost and you need a replacement.
- As featured in:
As featured in:
Credit card theft is all too common when traveling overseas, with organised crime networks often targeting tourists.
While travel insurance isn't there to cover your card being skimmed (you've got to hit up your bank to recover those losses), some of our policies can help with the cost to replace your credit cards. And if you're unsure what to do, all of our assistance teams can provide advice.
What's covered by travel insurance if my credit cards are stolen?
| Country of Residence | Credit Card Replacement | 24/7 Assistance |
|---|---|---|
| Australia | ||
| Brazil | ||
| Canada | ||
| Ireland | ||
| New Zealand | ||
| United Kingdom | ||
| USA | ||
| All other countries |
What's not covered by travel insurance?
- Any financial loss if your cards are skimmed or used fraudulently
- Cancelation or trip interruption expenses unless you're an Aussie or Kiwi
- If you don't get a report from the police or relevant authority confirming what has happened
This is not a full list of what's covered and not covered. There are limits and conditions that apply, so for more information, read your policy carefully before you buy.
What to do if your credit card gets stolen.
It’s essential that you report the theft of your credit card to the police as soon as possible, and get it in writing for your claim.
If you need urgent help, get in contact with our emergency assistance team as soon as possible, so that our team can advise you of what you need to do to get a replacement credit card.
To help our Emergency Assistance teams assist them quickly, they'll need the following:
- Your policy number
- Your location
- As many details as possible about the circumstances
Stolen Card in Venice Beach.
I had my passport and credit cards stolen from my bag while staying in Venice Beach, California. This is the beginning of my trip which I had prebooked and organised flights and tours from LA to other parts of America. I have missed my flight to Las Vegas from SanFrancisco and my flight from Las Vegas to Seattle. I also had to cancel accommodation in Las Vegas and San Francisco. This is due to the fact that the earliest time for me to get a replacement temporary passport and cards is too late.
Claim Paid: $936.85
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 stolen credit cards and 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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Is there an excess if I need to claim for a stolen credit card?
Yes, there is an excess for stolen credit card claims. Check your policy to find out what's applicable.
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Can I get a cash advance until my new credit card arrives?
No, none of our insurers will organise a cash advance for you.
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Can you help me put a stop on my credit card?
You'll need to do this yourself or organise a family member to do it for you.
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Why won't you cover me if my card is skimmed?
Your bank should have security measure in place to help you with that.