Travel Insurance for Assault
Get the medical treatment you need in the unfortunate event you've been attacked.
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Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travelers. While some destinations have higher incidents than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
Our Emergency assistance teams have extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
Does travel insurance cover assault?
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick a policy that’s best for you.
Does travel insurance cover counselling following assault?
| Country of residence | Cover for counselling |
|---|---|
| Australia | Explorer plan only. |
| Brazil | |
| Canada | |
| Ireland | Explorer plan only. |
| New Zealand | Explorer plan only. |
| United Kingdom | Explorer plan only. |
| USA | |
| All other countries |
What's not covered by travel insurance?
If you pick a fight and end up coming out worse for wear, there's a pretty good chance you won't be covered because of needless risk and stupidity.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
What do I do if I’m assaulted overseas?
It’s essential that you get in contact with our emergency assistance teams as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Assistance teams 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
Assault while jogging.
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Kazakhstani traveler in Australia.
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 assault and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I call the police if I've been assaulted?
If you're unsure what to do, call our 24/7 emergency teams, they'll be able to provide guidance and support.
-
I'm a solo female traveler. Can I request female doctors if something happens to me?
You can ask and we'll see what we can do.
-
What happens if I'm injured and need life support?
That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at the best possible solution to either get you home, or get your family over there to say goodbye.
-
Can my mum come and get me?
Yes, in some situations we can send your mum over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Travel Insurance for Assault
Get the medical treatment you need after being attacked.
- As featured in:
As featured in:
For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.
Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travellers. That's why we're here to help you. While some destinations have higher incidents of assault than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
If you're unsure what to do, call our 24/7 Emergency Medical Assistance Team and they'll be able to guide you. Our Emergency Assistance Team has extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
Does travel insurance cover assault?
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
- Counselling services abroad from a psychiatrist or registered counsellor
What's not covered by travel insurance?
Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk.
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.
What do I do if I’m assaulted overseas?
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Medical Assistance Team 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
Assault while jogging.
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Kazakhstani traveler in Australia.
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 assault. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I call the police if I've been assaulted?
If you're unsure of what to do, call our emergency medical assistance teams.
-
I'm a solo female traveler. Can I request female doctors if something happens to me?
You can ask and we'll see what we can do.
-
What happens if I'm injured and need life support?
That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at every situation individually to find the best solution.
-
Can my mum come and get me?
Yes, in some situations we can send your mum or an immediate family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Worldwide 24 hour Emergency Medical Assistance for Europeans
Wherever you are, we’re there to help!
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Emergency Assistance for travellers from the European Economic Area (EEA)
For policies purchased on or after 27 June 2024:
Emergency Medical Assistance: 24 hours, 7 days a week
Email: worldnomads.assist@collinsoninsurance.com
|
Country of residence |
Phone |
|
Belgium |
+44 (0) 144 444 2015 |
|
Denmark |
+44 (0) 144 444 2017 |
|
Germany |
+44 (0) 144 444 2018 |
|
Netherlands |
+44 (0) 144 444 2019 |
For policies purchased before 27 June 2024:
Contact our 24/7 Emergency Assistance team.
Emergency Medical Assistance: 24 hours, 7 days a week
Email: worldnomadsassist@axa-assistance.com
|
Country of residence |
Phone |
|
Belgium |
+32 (0)2 808 66 32 |
|
Denmark |
+45 89 87 30 23 |
|
Germany |
+49 (0)335 5622 3012 |
|
Netherlands |
+31 (0)20 8080731 |
Email: worldnomadsassist@axa-assistance.com
Not European? Find the right Emergency Assistance team by changing your Country of Residence
Be prepared.
So that our 24/7 Emergency Medical Assistance teams 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
- Prescribed medication (if any)
How does my travel insurance policy help me in an emergency?
Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.Bitten by a tick in Colombia
I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
A.B. Norwegian Nomad in Colombia.
Travel Insurance for adventure activities
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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Understand the key parts of World Nomads travel insurance
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Travel Insurance for adventure activities
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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As featured in:
Understand the key parts of World Nomads travel insurance
Award-winning travel insurance
WeMoney award winner for best adventure travel insurance two years in a row! Get a quote with an award-winning travel insurance provider today.
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Travel Insurance for Trip Cancellation
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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Trip Cancellation Travel Insurance: At a Glance
- Covers prepaid, non-refundable travel costs if your trip is cancelled for insured reasons
- May cover cancellation due to sudden illness, injury or death
- Natural disasters, severe weather and strikes may be covered
- Covers cancellation if a travelling companion becomes seriously ill
- May apply if your employer cancels approved leave or makes you redundant
- Benefits depend on your policy plan, country of residence, and cancellation limits
- Claims require evidence like receipts, bookings and cancellation notices
- Always check the PDS for full terms, conditions, limits and exclusions.
- What can World Nomads travel insurance cover if I need to cancel?
- What you need to do if you can’t travel anymore
- What’s not covered by travel insurance?
- Travel tips for Aussies
- FAQs: Trip cancellation cover for Australian travellers
Sometimes travel plans change in the blink of an eye. It could be an unexpected illness or injury to natural disasters or sudden strikes; trip cancellations can happen for many reasons. Having travel insurance cover for trip cancellation may help recover some of your prepaid, non-refundable costs if an insured event ruins your trip.
Here’s how World Nomads travel insurance may help Kiwi travellers planning their next holiday.
What can World Nomads travel insurance cover if I need to cancel?
If you need to cancel or reschedule your trip due to specific insured events, then you may be covered for up to 14 specific insured events including, sudden illness or injury, or a natural disaster. For example:
- Your sudden death, sudden illness, or serious injury, or the sudden death, sudden illness or serious injury of your close relative requiring hospitalisation
- The sudden death, sudden illness or serious injury of a member of your travelling party
- Your transport is cancelled or delayed because of severe weather, natural disaster, or strike
- You're made redundant or your employer cancels your pre-arranged leave.
If your claim is approved, you may be reimbursed up to policy limits for prepaid, non-refundable travel expenses such as flights, accommodation, tours or activities.
Important: The amount covered for cancellation depends on whether you have purchased the Standard or Explorer Plan.
What you need to do if you can’t travel anymore
If your trip is cancelled, you’ll need to:
- Contact your travel provider and let them know you are cancelling as soon as possible. Try to seek a refund from them first before making a claim.
- You can contact the emergency assistance team for help 24/7.
When lodging a claim:
- You’ll need to submit supporting evidence - for example, booking confirmations, receipts, or cancellation notices from your airline or tour company.
- You can start a claim or contact us via the World Nomads member portal.
Cancellation coverage starts from the date your Certificate of Insurance is issued (or 72 hours after if you buy travel insurance while already overseas). Only events that occur after that date are considered.
What’s not covered by travel insurance?
Our travel insurance plans don’t cover everything. Some of the things we can’t cover you for include:
- Cancelling because you changed your plans or no longer wish to travel
- The event was foreseeable and a known event when you purchased your policy
- Not following government travel advice or warnings. To find out the latest government advice go to the SafeTravel website
- Claims relating to existing medical conditions except as described in ‘Health conditions & your policy.’
- Not providing the documentation required to support your claim.
This is not a full list of what's covered and not covered. Terms, conditions, limits, exclusions apply, please read your Policy Document carefully and contact us if you have any questions.
Travel tips for Kiwis
- Keep copies of all bookings, receipts, and travel documents
- Your travel insurance cancellation policy must be active before the event occurs
- Contact your airline or tour operator first, as they may offer refunds or credits before you lodge a claim.
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.
FAQs: Trip cancellation cover for New Zealand travellers
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our helpdesk or you can ask the customer service team.
-
Do I need to provide receipts?
When cancelling or rescheduling your trip you will need to provide evidence of purchases and cancellation/rescheduling. If you can’t provide associated receipts your claim may be denied. Read your Policy Document to ensure you’re familiar with claim requirements.
-
Do both your travel insurance policy plans include trip cancellation cover?
Our policies offer coverage for non-refundable cancellation expenses for up to 14 insured events. World Nomads offer two levels of cover, Standard and Explorer, and both offer cover for a range of benefits including pre-trip cancellation.
-
Does travel insurance cover booking cancellation?
Yes, if you cancel for one of the insured events listed on the policy and your costs are non-refundable.
-
Is my travel insurance refundable if I cancel?
If you haven’t started your trip or made a claim, you can cancel your policy for a full refund during the 21-day cooling-off period.
-
What happens if I cancel my trip before I leave New Zealand?
You may be covered for prepaid, non-refundable costs if your cancellation is due to an insured event that happens after your policy issue date.
-
Am I covered if my airline cancels my flight?
If the cancellation is due to severe weather, strike or another insured event, you may be reimbursed for unused travel.
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
- Are you, your family sick, injured or deceased?
- Has one of your relatives 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)
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 pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
- As featured in:
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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 shouldn't need saying, but just in case, here it is: Talk to your doctor about your travel plans. Listen to what they say.
Have that conversation before you buy insurance or even book your flights.
While pregnancy is not considered an existing medical condition, there are limits and restrictions on how and when we cover pregnancy, so it's good to be informed before you start planning your trip.
What does travel insurance cover when you're pregnant?
The most important thing to know is this: If you fell pregnant before you bought your insurance or fall pregnant afterwards, cover may be available for a pregnancy related illness that occurs up to the end of the 26 week of your pregnancy. Also, you can’t have a history of any complications with any previous pregnancy.
If you meet the above criteria and suddenly something medical happens to you while you're overseas, being pregnant won't change your cover. When looking at whether you should continue travelling after your illness or injury, our 24/7 Emergency Assistance team will take the pregnancy into account.
What's not covered
Aside from a pregnancy not falling within the above guidelines, we also won't cover any childbirth, antenatal care or newborn care costs, regardless of whether we're covering the pregnancy itself. We won't cover a loss arising from pregnancy-related illness after the 26th week of gestation.
We also won't cover you if your medical practitioner told you not to travel, nor will we cover you for any routine check-ups.
If you're thinking about getting pregnant, please know that we don't cover any costs relating to fertility treatment, either. These restrictions also apply to members of your travelling party and close relatives.
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.
How to get assistance if you're sick or injured while pregnant.
It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance teams 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
Threatened miscarriage
Emma began experiencing intensely painful stomach cramps in our hotel room at the Ohana Waikiki West, Honolulu, Hawaii. No 24 hour doctors were available, so we took a taxi cab instead of ambulance, which hotel security offered to arrange to nearest hospital (Straub). Hotel security also took notes of these events. After assessment in the emergency department, the diagnosis was a threatened miscarriage (not aware of being pregnant, hospital staff estimated Emma at 7weeks pregnant at the time). Medication was given for pain relief, blood tests taken and an ultrasound performed. Emma was discharged and was requested to have another blood test on the following Monday and referral to a local Doctor for a follow-up appointment. Emma spoke to Doctor on phone about results of blood test and further information instead of visiting him as it would have been the morning we were flying back to New Zealand.
Kiwi Nomad in Hawaii.
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)
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 buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
If I decide to return home during my trip, is there cover for those expenses?
No, there's no cover for change of mind.
-
If I fall pregnant before my trip, can I cancel?
The policy doesn’t cover cancellation for change of mind. If you have complications with your pregnancy, World Nomads may offer you cover.
-
Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing pregnancy complications.
-
Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies cover pregnancy.
Travel Insurance for Stolen or Damaged Baggage
If your gear has been stolen or damaged, here's how we can help.
- As featured in:
As featured in:
- How can travel insurance help if my belongings are stolen or damaged?
- How to report your lost or missing bags and valuables in 4 simple steps
- What’s not covered by travel insurance
- Travel safety tips before you leave Australia
- Ready to get a travel insurance quote?
- Frequently asked questions
Protect your belongings with World Nomads Travel Insurance
With multiple bags, valuables, and essential documents in tow, the last thing you want is to deal with lost, stolen, or damaged luggage. In fact, nearly half of all travel insurance claims involve mishaps with baggage and personal effects.
Whether you’re carrying expensive sports gear, a designer outfit for a destination wedding, or just your everyday essentials, World Nomads travel insurance offers coverage for theft, loss, or damage of your luggage and personal effects.
How can travel insurance help if my belongings are stolen or damaged?
Your Policy Document will have very specific limits, both on the total value of the luggage covered, and on individual items. If there're some items you're bringing that exceed those limits, specify them when you get a travel insurance quote.
We offer cover for the following:
- Stolen or accidentally damaged belongings.
- If your belongings are stolen, lost of accidentally damaged by a common carrier (a commercial airline for example).
- Taken from you during an assault.
- Stolen from your private, locked accommodation and where there's visible evidence of damage and forced entry.
There are of course terms, conditions, limitations and exclusions on how cover applies. For example, we won't cover your electronics or jewellery if you check them into an airline. Read the Policy Document so there are no surprises.
How to report your lost or missing bags and valuables in 4 easy steps
1. Report it
Your first move should be to report it, ASAP. Who you report it to depends on your circumstances. Here are some of the most common situations:
If your luggage has been lost or stolen on public transport:
- Report the incident to the tur operator or public transport provider and request written evidence, like a Property Irregularity Report (PIR).
- Gather any relevant tickets, luggage checks, and other documents.
- Confirm how the transport company will compensate you—get it in writing.
If your luggage has been lost or stolen from your airline or accommodation provider
- Report it immediately to the carrier or accommodation provider and request written confirmation of the incident from the carrier or the accommodation provider, along with details of any compensation.
If your luggage has been lost or stolen on a tour or at a public venue (e.g. airport, museum, sports stadium)
- Let your tour operator, venue management, or security know right away. Ask for written confirmation of the loss or theft and details of any compensation offered.
If your situation is not listed get in contact and we can help.
2. Notify the police
File a police report—this step is non-negotiable because your potential insurance claim hinges on it. Head to the nearest police station and make sure you get a copy of the report or at least a reference number.
3. Track and block your phone, tablet and credit cards
Contact your provider to block the service and get written confirmation. And don’t forget to call your bank to block any stolen cards ASAP.
If you have an iPhone, try using the Find My iPhone feature. If you have a Samsung, use the Find My Mobile feature to pinpoint your device’s location on a map.
4. Keep all receipts and paperwork
Hold onto every bit of paperwork—receipts for emergency buys, itineraries, booking and cancellation confirmations for any affected travel arrangements. If you don’t do this, we may reduce or reject your claim.
What’s not covered by travel insurance
Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:
- Anything you leave behind, walk away from or simply misplace or forget.
- If your credit cards are skimmed.
- Leaving your gear in an unlocked car overnight.
- Leaving your valuables unsecured in a shared hostel room.
Travel safety tips before you leave New Zealand
- Add a distinctive, trackable security tag with your contact info (minus your home address) to make your luggage easier to spot and recover if it goes missing.
- Be proactive and install tracking apps on your devices before travelling abroad.
- Scan copies of all your documents and store them in your phone before you leave New Zealand.
- Grab a travel insurance quote here.
Ready to get a travel insurance quote?
If you’re ready to start exploring our travel cover options and optional extras, then visit our Get a Quote page and tell us your travel details.
This is not a full list of what's covered and not covered. There are terms and conditions, limitations and exclusions that apply. For more information check out our FAQ article on baggage cover and personal effects and read your Policy Document carefully before you buy.
Dodgy Taxi Driver.
After arriving in Jordan I was approached by a man claiming to be a taxi driver. He showed me where an ATM was to get out some Jordanian dollars and then took me to his car. After a white knuckle drive to my hostel I hopped out and he grabbed my baggage and chucked it at me and left straight away. When I got into my hostel I realised my camera bag was missing with my camera, storage drive and Jordanian dollars. I filed a report with the police but they have been unable locate the camera and the taxi companies seem to think this man was in fact an opportunist as the have no record of him.
Kiwi Nomad in Jordan.
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)
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 buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
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.
-
What if I don’t have receipts?
You can still lodge a claim. However, the team might depreciate or be unable to process your claim.
-
If the airlines loses my gear, what do I need?
You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
-
Do my items get depreciated?
Yes they do. However, some policies let you pay an additional premium per item so insure them for the value you bought them (if it's under the limits).
Does Travel Insurance Cover Dental?
Learn how travel insurance may cover emergency dental treatment abroad.
- 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.
No one likes going to the dentist, and even less when it's not your regular dentist. But teeth can crack and infections can strike, regardless of where you are in the world. A pitted olive that wasn't; a very, very sticky caramel... it's the worst sort of surprise. World Nomads can help you out with emergency dental cover.
What does travel insurance cover for overseas dental?
If something happens, we only offer cover for the immediate relief of sudden and acute onset of pain on healthy teeth and teeth with fillings. We may cover those teeth if you suddenly have:
- A cracked or chipped tooth.
- A dental infection.
- Dental surgery resulting from an accident.
Cover is limited, and we may need to talk to your dentist back home to see what your teeth were like before you left. Just remember, the policy comes with a NZD$100 excess which will be deducted from your claim.
What's not covered
In short, pretty much anything that's not on the list above. Specifically, there are a few straight-up things we don't provide cover for:
- Anything routine, or that can wait until you're home.
- Major dental work such as but not limited to crowns, bridges, dental prostheses.
- Dental expenses incurred while you’re in New Zealand. This policy doesn't replace private medical insurance or New Zealand's healthcare system.
- Getting your teeth straightened.
- Cosmetic dentistry such as teeth whitening, implants, braces.
- Dental problems you knew about before you bought the policy.
A lot of the time, our cover will be limited to patching the problem, such as a temporary filling, a pain-relieving injection, that sort of thing. The big stuff will have to wait until you get home.
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 Document 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.
How to get dental assistance
It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our 24/7 Emergency Assistance teams 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
White water rafting accident.
While on a white water rafting tour I broke my two front teeth. This happened when I lost balance while going over a rapid, resulting in the back of my paddle hitting my mouth and breaking the lower half of my right front tooth and leaving a smaller fracture in the left front tooth. Immediately following the tour the guide assisted me in finding a local dentistry where I could get the emergency treatment for the pain and to repair the teeth. Because of the damage to the right front tooth it required a full crown, while the crack in the left tooth could be repaired with a veneer. This was a temporary repair and long term it was also recommended that I may also need a root canal.
Kiwi Nomad in Ecuador.
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)
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 dental travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
Do I pay upfront or does World Nomads?
You should pay the dental bills yourself then make a claim online once all your treatment is finished.
-
What do I need to do if I need a dentist?
Call the emergency assistance team for advice on your dental condition or if you need directions to the nearest or most suitable dentist or medical facility.
-
Am I covered for cosmetic dentistry?
No. There's not cover for cosmetic.
