What's covered
World Nomads travel insurance has been designed by travellers for travellers, to cover your trip essentials.
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As featured in:
Understand the key parts of World Nomads travel insurance
Skiing and Snowboarding Travel Insurance Coverage
Canadian Residents Can Protect Against Skiing Injuries, Damaged Gear & More
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As featured in:
At a glance
- Coverage for the slopes: World Nomads offers travel insurance for skiing and snowboarding to help cover medical emergencies, stolen gear and trip cancellations.
- Emergency medical evacuation: Our plans include emergency medical evacuation coverage if you get injured while skiing or snowboarding in remote areas.
- Gear protection on and off the mountain: We provide gear protection if your ski equipment is stolen or accidentally damaged by your common carrier during your trip.
- Coverage if an injury cuts your trip short: If your trip is disrupted by illness or injuries (amongst other covered reasons), adventure travel insurance for skiing may help cover your unused, prepaid, non-refundable trip costs.
Are you dreaming of skiing down slopes in Italy, Austria, Switzerland or France? How about within Canada? No matter where you’re headed for wintry fun, it helps to always be prepared for the unexpected when skiing and snowboarding. Ski travel insurance for Europe, the US and within Canada all include a range of benefits that could help with everything from stolen ski gear to unexpected medical emergency expenses.
Why should I consider travel insurance for my international ski trip?
Unexpected issues can mess up even the most carefully planned ski trips. For example, those seeking fresh powder flock to Japan each winter to hit the slopes, but what happens if an injury puts a halt to your fun? Ski insurance for Japan may help you bounce back quickly with support for medical and travel emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re skiing outside of your home province.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Insurance Plan may not meet your travel insurance coverage needs once you leave your province. Your travel insurance plan can protect your domestic travels as long as you are traveling outside of your home province.
Ski and Snowboard travel insurance: What may be covered?
Whether you’re in fresh powder or on the bunny hill, navigating steep (and even not so steep) terrain can be tricky. It only takes one bad fall or collision to end up with a broken ankle, a dislocated shoulder or a wrist fracture. If you’re heading south to the United States to hit the slopes in Breckenridge, Vail or Palisades, you may want to consider getting a quote for travel insurance for skiing in the US.
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Emergency Medical Expenses
For injuries when skiing that require emergency medical treatment -
24/7 Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the slopes -
Baggage & Gear Coverage
Damaged or stolen ski gear -
Trip Cancellations, Trip Interruptions and Delays
Travel protection for your unused, pre-paid, nonrefundable trip costs and unexpected expenses if your trip is interrupted.
Get a quote and compare the plans to see which level of coverage is right for you.
Choosing the Right Skiing and Snowboarding Travel Insurance Plan
World Nomads offers four plans for Canadian residents – the Standard, Explorer, Epic and Annual Multi-Trip – each with different levels of coverage.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your skiing or snowboarding trip. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Even if your main goal is to go skiing, you’ll probably also be doing other things like snowmobiling or snow biking. That’s totally fine, because there are over 250+ sports, activities and experiences that could be covered when you purchase adventure travel insurance. When you purchase your policy, you’ll need to list skiing, snowboarding and all of the other activities that you plan to participate in while on your trip. Costs may vary depending on the activities you list. Most forms of Skiing are a Level 3 activity and require an additional premium to cover, so be sure to buy the proper coverage for your ski trip.
If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Coverage for 250 activities you love + more
What may not be covered when on a ski trip?
Save the cocktails for apres-ski. If you start taking shots off of the shot ski, and then get hurt, you may not be covered. Travel insurance for skiing won’t cover you if you are injured when you’re under the influence of drugs or alcohol. Some other things that aren’t covered include:
- Unattended baggage, ski gear or personal items
- Damage to ski equipment while you’re using it
- Not following government ‘Do Not Travel’ advisories issued by the Canadian government
- Travelling or skiing in your home province
- Search and rescue missions
- Not following the International Ski Federation code or the ski resort’s regulations
- Pre-existing medical conditions
- Participation in other activities not listed as covered in your policy
- Competitions, racing or national squad training, acrobatics, tricks, stunting, freestyle, aerials or jumps.
- Ignoring your doctor if they have explicitly advised you not to go skiing or snowboarding
Top safety tips we recommend for skiing
From our own time on the slopes, we’ve discovered that you never know what might happen next. We’ve learned that it helps tremendously to be prepared in those situations – whether you’re skiing in Europe, Japan, the US, or even here in Canada. Here are a few of our personal tips that you may find helpful when planning your next ski vacation.
- Always wear a helmet that fits you properly.
- Dress in multiple layers and look for insulated clothing made of moisture-wicking material. You’ll also want to make sure your outerwear is waterproof.
- Take a lesson from a reputable instructor.
- Ski within your skill level. (If you’ve just taken your first lesson, you should probably avoid the black diamonds for a while.)
- Control your speed and stay in control.
- Stay on marked trails.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for the destination where you’ll be skiing.
- Register with Canadians Abroad to stay updated on emergency situations.
- Save a copy of your travel insurance for skiing documents in your phone. Have the phone number for the 24/7 Emergency Assistance team easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for skiing and snowboarding. 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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Are skiing and snowboarding covered under World Nomads Travel Insurance?
Yes, skiing and snowboarding may be covered under all four plans offered by World Nomads Travel Insurance, but you’ll still need to list these activities when you purchase your travel insurance for skiing policy. Most skiing activities are considered Level 3; if you aren’t sure if something is covered, we suggest you contact us to ask.
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What types of incidents are covered while on a ski trip?
If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your unused, non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, prepaid, non-refundable tours that you paid for in advance. If you get hurt while skiing and require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or if the Canadian government issues a travel advisory telling travellers not to go to a destination on your itinerary.
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Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads offer international ski insurance?
Yes, some of the best places to ski are outside of Canada and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for skiing in Europe, you could have the opportunity to hit the slopes in Chamonix or the Dolomites. If you have ski insurance for the US, you could ski in Breckenridge or Vail. When you get a quote for adventure travel insurance for skiing, you’ll need to input where you’ll be travelling.
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What should I do if I get hurt while I’m skiing?
You can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They can also translate for you if you’re travelling outside Canada, and your medical team doesn’t speak English or French. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250 other sports, activities and experiences. Things like hiking, snow biking and snowmobiling could all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is included in all four travel insurance plans offered by World Nomads. With this type of coverage, you may be eligible for reimbursement of your pre-paid, unused, non-refundable trip costs such as flights, tours and accommodations if your trip is cancelled due to one of the covered trip cancellation risks under the policy. World Nomads also offers a Cancel for Any Reason (“CFAR”) optional upgrade. This optional upgrade can only be purchased with our Explorer Plan and Epic Plan (up to 50% CFAR benefit. Maximum benefit limits apply).
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What happens if my bags are delayed?
If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for the cost of (up to the policy limits) essential items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for your next ski trip?
While there are great places to ski here in Canada (and you can get ski insurance for Canada as long as you’re skiing outside of your home province), there’s an abundance of great places around the world to ski and snowboard. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
Five Great Ways to Experience Germany in Winter
Skiing in Japan: The Best Resorts to Check Out Now
Four Reasons to Visit Turkey in Winter
Bluebird Colorado: A Local’s Guide to Skiing in the Rockies
Austria Essential Skiing and Snow Tips
Four Winter Wilderness Adventures in Central and Eastern Canada
This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Skiing and Snowboarding Travel Insurance Coverage
US Residents Can Protect Against Skiing Injuries, Ski Resort Closures, Damaged Gear & More
- As featured in:
As featured in:
At a glance:
- All World Nomads plans cover losses resulting from skiing and snowboarding trips. Higher-tier plans offer coverage for more extreme skiing and snowboarding activities.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while skiing or snowboarding.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged ski gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply).
- Why should I consider travel insurance for my ski trip?
- Travel insurance and non-insurance services for skiing and snowboarding trips: What may be covered?
- What level of travel insurance coverage do I need for my ski trip?
- What may not be covered when on your skiing trip?
- Top safety tips we recommend for your skiing trips
- FAQs
Are you dreaming of peaks in Italy, Austria, Switzerland or France? Or are you planning to stay in the United States to hit the slopes in Breckenridge, Vail, or Palisades? No matter where you’re headed for wintry fun, it helps to always be prepared for the unexpected when skiing and snowboarding. A travel protection plan that includes ski trip insurance coverage for Europe, the US, or any other snowy destination can help protect your adventure. Travel insurance benefits for skiing may help with everything from stolen ski gear to unexpected medical expenses.
Why should I consider travel insurance for my ski trip?
Unexpected issues can mess up even the most carefully planned ski trips. For example, those seeking fresh powder flock to Japan each winter to hit the slopes, but what happens if a blizzard hits and puts a halt to your fun? A travel protection plan that includes ski insurance coverage for Japan may help you bounce back quickly with support for emergencies, delays, and disruptions. Getting evacuated off a snowy mountain in a foreign country is not cheap and with a sport as risky as skiing, travel insurance can be even more important.
Travel insurance and non-insurance services for skiing and snowboarding trips: What may be covered?
Whether you’re on a black diamond at Chamonix Mont Blanc or on the bunny hill in the Dolomites, navigating steep (and even not so steep) terrain can be tricky. It only takes one bad fall or collision to end up with a broken ankle, a dislocated shoulder, or a wrist fracture. Since unexpected situations can happen on the slopes, we’ve designed our travel protection plans to include travel insurance coverage for skiing and snowboarding trips. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when skiing -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation on or off the slopes -
Baggage & Gear Coverage
Damaged or stolen ski gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from going on your ski trip
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans include adventure travel insurance coverage for skiing, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need for my ski trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even when your main goal is to go skiing, you may want to enjoy other fun winter activities like snowmobiling or snowshoeing. That’s totally fine, because you may be covered for losses resulting from more than 250+ other sports, activities and experiences when you purchase a travel protection plan.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while skiing (cross country/nordic skiing on marked trails, dry slope, heli, on piste or off piste within resort boundaries, power assisted, and snowblading.) Snowboarding (dry slope, heli, and on piste or off piste within resort boundaries) is also included. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan includes everything in the Standard plan, plus even more activities – including more extreme skiing and snowboarding activities such as acrobatics, free-style, jumping, flying, stunting, backcountry/outside of resort boundary/alpine ski touring, by helicopter/snow cat, racing, and skiing and snowboarding in a terrain park within a resort. Skiing with a miniwing (speed riding) is also covered, as is serving as a ski or snowboard instructor or guide (paid or volunteer.) It also has higher limits of coverage for most benefits.
- Epic Plan – This covers everything the Explorer plan covers, plus even more activities – including glacier walking (up to 26,247 feet/8,000 meters) and ice climbing (up to 26,247 feet/8,000 meters). It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes adventure travel insurance coverage for skiing, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when on your skiing trip?
Save the cocktails for apres-ski. Travel insurance for skiing trips won’t cover you if you’re under the influence of drugs or alcohol. Some other things that aren’t covered include:
- Unattended baggage, ski gear or personal items
- Damage to ski equipment while you’re using it
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences
- Ignoring your doctor if they have advised in writing that you are not medically fit to travel
- Traveling or skiing within 100 miles of your home
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Skiing or snowboarding in a competition or for salary/competition
- Pre-existing Conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period and were medically able and not disabled from travel, based on the assessment of a physician, to travel at the time of purchase when you buy the plan. A definition of a pre-existing condition can be found in your plan document.
Top safety tips we recommend for your skiing trips
We’ve had many perfect runs in ski parks around the world. Every once in a while though, things happen. We’ve learned that it helps tremendously to be prepared in those situations – whether you’re skiing in Europe, Japan, Canada or even here in the US. Here’s a few of our personal tips that you may find helpful when planning your next ski trip.
- Always wear a helmet that fits you properly.
- Dress in multiple layers and look for insulated clothing made of moisture-wicking material. You’ll also want to make sure your outerwear is waterproof.
- Take a lesson from a reputable instructor.
- Ski within your skill level. (If you’ve just taken your first lesson, you should probably avoid the black diamonds for a while.)
- Stay on marked trails.
- Don’t drink and ski. Being under the influence of alcohol or drugs increases your chance of being injured – and if you get hurt, you may not be covered by your travel insurance coverage for skiing.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination (additional costs may apply).
- Check with the Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for skiing and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can skiing and snowboarding be covered under World Nomads Travel Insurance?
Yes, the Standard and Annual plans include travel insurance coverage for losses related to incidents that occur while skiing (cross country/nordic skiing on marked trails, dry slope, heli, on piste or off piste within resort boundaries, power assisted, and snowblading.) Losses related to snowboarding (dry slope, heli, and on piste or off piste within resort boundaries) are also included. The Explorer Plan includes everything in the Standard plan, plus even more activities – including more extreme skiing and snowboarding, including acrobatics, free-style, jumping, flying, stunting, backcountry/outside of resort boundary/alpine ski touring, by helicopter/snow cat, racing, and skiing and snowboarding in a terrain park within a resort. Skiing with a miniwing (speed riding) is also covered, as is serving as a ski or snowboard instructor or guide (paid or volunteer.) If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered on your skiing trip?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you get hurt when skiing and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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What happens if there’s no snow and I can’t ski on my trip?
We can’t control the weather, but a travel protection plan may help. For example, if you have a travel protection plan that includes ski insurance coverage for your trip to Europe, and your ski resort in the Dolomites closes all or part of its facilities for at least one day due to lack of snow or inclement weather that causes a cessation of services, you may get $250 per incident as a ‘travel inconvenience’ (up to plan limits). You must have purchased the Explorer or Epic plan within the time sensitive period in order to be eligible. Additional terms and conditions apply.
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What happens if the ski slopes close during my trip?
Your travel protection plan from World Nomads may help ease the disappointment. For instance, if you have a travel protection plan that includes ski insurance coverage for your trip to Japan, and at least 50% of the trails or slopes at your ski resort in Niseko are closed for at least eight consecutive hours for various reasons, subject to terms and conditions, you may receive reimbursement for your ski lift ticket. Read your plan for details of this “Trip Interruption” benefit available on the Explorer and Epic Plans.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes adventure travel insurance coverage for skiing online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for skiing, you’ll need to purchase your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for skiing overseas?
Yes, some of the best places to ski are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have a travel protection plan that includes travel insurance coverage for your skiing trip in Europe, you could have the opportunity to hit the slopes in Chamonix or the Dolomites. If you have travel insurance coverage for your skiing trip in Canada, you could ski in Whistler or Banff. When you get a quote for a travel protection plan that includes adventure sports insurance coverage for your skiing trip, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while skiing?
If you get hurt while skiing, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for skiing, you could be covered for more than 250+ other sports, activities and experiences. Things like snowmobiling and snowshoeing may be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for skiing trips, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next ski trip?
While there are great places to ski here in the United States, there’s an abundance of great places around the world to also check out. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
Five Great Ways to Experience Germany in Winter
Skiing in Japan: The Best Resorts to Check Out Now
Four Reasons to Visit Turkey in Winter
Bluebird Colorado: A Local’s Guide to Skiing in the Rockies
Austria Essential Skiing and Snow Tips
Four Winter Wilderness Adventures in Central and Eastern Canada
20251014-4898509. TThis is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamCompare Travel Insurance Coverage
Choose a plan to suit your needs.
- As featured in:
As featured in:
Compare Plans
World Nomads offers two plans - Standard and Explorer - offering different benefits, limits and sub-limits of coverage.
- All
Standard Plan
Covers the essentials Everyday travel insuranceSuitable for?
Smart travellers seeking essential cover
Cancelling Your Trip
€4,000
Cutting Short your Trip
€3,500
Emergency Medical Expenses and Medical Repatriation
€5,000,000
Personal Baggage
€1,500
Baggage Delay (after 24 hours)
€125
Delay (per 12 hours / max.)
Not covered
Missed Departure and Connections Outside of your Country of Residence
Not covered
Missed Departure from your Country of Residence
Not covered
Additional Transport Costs
Not covered
Explorer Plan
Higher benefit limits More insured events including travel delaySuitable for?
Travellers after higher limits & extra benefits
Cancelling Your Trip
€10,000
Cutting Short your Trip
€6,000
Emergency Medical Expenses and Medical Repatriation
€10,000,000
Personal Baggage
€3,000
Baggage Delay (after 24 hours)
€250
Delay (per 12 hours / max.)
€50 / €200
Missed Departure and Connections Outside of your Country of Residence
€1,000
Missed Departure from your Country of Residence
€1,500
Additional Transport Costs
€1,000
Additional services included at no extra cost:
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 teamGot questions?
We've got the answers
Here are our frequently asked questions regarding travel insurance. You can also visit our help centre for more FAQs.
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Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
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Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
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Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
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Can I buy travel insurance if I'm already overseas?
Yes - If you're a resident of Belgium, Denmark, Germany or the Netherlands then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Need help?
Contact us for any queries you have about buying travel insurance, your policy, making a claim and emergency medical assistance.
Emergency Medical Assistance
For policies purchased on or after 27 June 2024:
worldnomads.clmsbe@collinsoninsurance.com
worldnomads.clmsdk@collinsoninsurance.com
worldnomads.clmsde@collinsoninsurance.com
worldnomads.clmsnl@collinsoninsurance.com
For policies purchased before 27 June 2024:
Policy and Claim
From anywhere in the world, charges apply:
Policy
Claim
Belgium
worldnomads.clmsbe@collinsoninsurance.com
Denmark
worldnomads.clmsdk@collinsoninsurance.com
Germany
worldnomads.clmsde@collinsoninsurance.com
Netherlands
Buy Travel Insurance Away from Home.
Get covered by World Nomads, even if you're already on the road.
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If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.
We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while traveling, waiting periods, conditions and restrictions on cover do apply. This means you may have to wait up to 72 hours for full cover to apply and certain benefits (like pre-trip cancellation) may not apply as you’ve already left your home country.
Your policy wording will have full details to understand the cover, limits and exclusions.
- Buy while traveling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
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 teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Pregnancy Travel Insurance
Expecting a new bundle of joy? Learn why Canadians may want to consider travel insurance for pregnancy
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At a glance
- World Nomads offers single trip and annual multi-trip plans for Canadian residents who are pregnant
- Plans include travel insurance benefits for certain pregnancy-related medical emergencies during the first 26 weeks
- If you need to cancel or interrupt your trip due to a pregnancy complication, you may be reimbursed for prepaid, non-refundable, unused, forfeited travel arrangements that you made in advance such as hotel accommodation, flights and tours
- Why should you consider travel insurance that covers pregnancy?
- What's Covered
- Exclusions
- Maximum Limits
- Tips for travelling while pregnant
- FAQs
Why should you consider travel insurance that covers pregnancy?
Did you book your dream vacation and then find out that you’re pregnant a week later? Or do you just need a little babymoon to have some relaxing time before your little one arrives? Either way, many women travel while pregnant, and you can too. According to a survey by the Journal of Travel Medicine, over half of their respondents travelled abroad while pregnant. You’ll want to consult with your doctor first to make sure your pregnancy isn’t considered high risk, but even if it’s not, unexpected situations can always happen.
Unanticipated pregnancy complications can disrupt travel plans, but World Nomads offers travel insurance plans that cover pregnancy-related medical emergencies within the first 26 weeks of pregnancy. Pregnancy travel insurance also covers trip cancellation and interruption, and you may be reimbursed for the non-refundable, unused, forfeited, prepaid trip costs you’ve spent for things like tours, transportation and hotel accommodation if your plans change because of a covered reason (up to maximum limits listed in your policy ).
What’s Covered
Exclusions
- A child born during your trip
- Childbirth or complications of childbirth
- Routine prenatal care
- Elective abortion
- Complications related to pregnancy after the 26th week of pregnancy or any time after the expected delivery date
- Pre-existing medical conditions that are excluded in the policy
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency medical coverage: up to $1,500,000 CAD Trip cancellation: Up to $2,500 CAD Trip interruption: Up to $2,500 CAD Get a quote |
Emergency medical coverage up to $5,000,000 CAD Trip cancellation: Up to $10,000 CAD Trip interruption: Up to $10,000 CAD Get a quote |
Emergency medical coverage up to $10,000,000 CAD Trip cancellation: Up to $15,000 CAD Trip interruption: Up to $15,000 CAD Get a quote |
Emergency medical coverage up to $5,000,000 CAD Trip cancellation: Up to $10,000 CAD Trip interruption: Up to $10,000 CAD Get a quote |
Tips for travelling while pregnant
- Always check with your doctor before travelling. If your doctor says you shouldn’t be travelling, and you do anyway, you may not be covered by your pregnancy travel insurance benefits.
- Book an aisle seat. It makes it easier to get up and down to go to the restroom.
- Check with your travel providers to see if they have any restrictions for travelling while pregnant. For example, some airlines and cruises may not allow you to board when you’ve passed a certain point in your pregnancy.
- Before you leave, see if you need a note from your doctor. Some airlines may ask for a doctor’s note that states how far along you are in your pregnancy and confirms that you aren’t high risk.
- To help with circulation, wear compression socks when flying or taking long rides in a car or on a train. Women are more likely to develop deep vein thrombosis (DVT) when they are pregnant. The potential for these blood clots is higher when you’re travelling and not moving for long periods of time, but compression socks can help.
- Drink plenty of water. Dehydration can cause Braxton Hicks contractions.
- Pack all of your medications in your carry-on bag. If you have pregnancy travel insurance, it may also include coverage for lost and delayed bags, but you won’t want to be without any necessary medications.
- Avoid strenuous excursions. Even though World Nomads covers over 250 sports, activities and experiences, you may want to save some adventures like bungee jumping until after the baby arrives.
FAQ
Here are our most frequently asked questions about cover for pregnancy. 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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Is it ok to travel while pregnant?
Many women travel with confidence while pregnant and have no problems at all. However, that’s something you should discuss with your doctors. They can take a look at your overall health and risk factors and determine if it’s ok for you to travel while pregnant. Just read your travel insurance policy and make sure you understand what it does and doesn’t cover. Pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. It also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Can I fly while I’m pregnant?
That’s up to you to discuss with your doctors but it may affect your travel insurance. You may not be covered if they say you shouldn’t be travelling. Your airline might also ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications. It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to make a claim.
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Can I still get travel insurance if I’m travelling while pregnant?
Yes – we don’t expect you to sit at home for nine months, and we completely understand that you may be travelling. Unexpected travel situations can still happen when you’re expecting a little one, so it may be a good idea to consider getting a quote for travel insurance for pregnancy. Just read your policy and make sure you understand what it does and doesn’t cover. If you have any questions, contact us and ask.
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What happens if I have pregnancy complications while travelling?
You may be covered for emergency medical expenses if you experience complications of pregnancy during your trip. However, you must be covered by your Government Health Insurance Plan (”GHIP”) for the full duration of your trip. If you do not have GHIP coverage while on your trip, your emergency medical coverage will be limited to $40,000 CAD.. Pre-existing medical conditions that are excluded in the policy may not be covered, though.
It’s also important to note that pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. Travel insurance also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Does travel insurance cover giving birth overseas?
Pregnancy travel insurance is intended to help with emergency medical situations only. Travel insurance won’t cover the costs of childbirth if the baby comes while you’re travelling. It also won’t cover pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date.
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What type of pregnancy complications may be covered?
Pregnancy complications that happen within the first 26 weeks of pregnancy may be covered by your World Nomads travel insurance benefits. Complications related to pregnancy are conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These may include, but are not limited to:
- Hyperemesis gravidarum
- Preeclampsia
- Eclampsia
- Gestational diabetes
- Gestational hypertension
- Acute nephritis
- Nephrosis
- Cardiac decompensation
- Spontaneous miscarriage
Pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. Travel insurance also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Can I cancel my trip if I have pregnancy complications before travelling?
Yes, all of the World Nomads Travel Insurance plans for Canadian residents include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if you suffer an emergency medical condition such as unexpected complications related to your pregnancy before your trip that prevent you from travelling. You’ll need documentation from your physician regarding the diagnosis if you plan to make a claim, though.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Online Travel Insurance
Canadians can buy an insurance plan or make a claim online
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As featured in:
At a glance
- Claim online, anywhere, anytime: Lodge a claim 24/7 while you’re still travelling, so disruptions don’t slow you down.
- Cover for the moments that matter: Protection for medical emergencies, accidents, trip cancellations, delays, and lost luggage.
- Support wherever your journey takes you: Access help fast, whether you’re in a major city or a remote destination.
- What’s covered
- What’s Excluded
- Which plan should I choose?
- Top tips to keep you and your valuables safe on your travels
- FAQs
When you’re on the road and living out of a suitcase, waiting until you get home to make a claim can be inconvenient. World Nomads lets you lodge a claim online from wherever you are, day or night, so you can keep travelling with minimal disruption. With cover for accidents, medical emergencies, cancellations, delays and lost luggage, you’re protected against unexpected costs wherever your journey takes you. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can access support quickly – and start the process of recouping expenses while you’re still on the road if things go wrong.
What may not be covered?
- Non-emergency treatment that can wait until you return home
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.
- Participation in a sport or activity not listed in the covered activities list
How much does travel insurance cost?
Cover that goes beyond the basics is often more affordable than people expect – and you’ll be glad you got it if anything unexpected happens. At World Nomads, you can get a quote in minutes, with the cost depending on factors like your destination, trip length and the level of cover you choose. As a rough guide, many Canadians spend around 4–8% of their total trip cost on travel insurance, though this can vary depending on the type of trip and activities planned. If you add optional Cancel For Any Reason insurance, which allows you to cancel for any reason that’s not otherwise covered by your plan – even if you simply change your mind about travelling – you can expect to pay more.
Which plan should I choose?
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
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Ideal for: Coverage Includes:
Covering the basics for your trip. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Top tips to keep you and your valuables safe on your travels
- Take sensible precautions to stay safe late at night – and avoid walking alone.
- Use reputable transport options and avoid unlicensed taxis or unofficial transfers.
- Split important cards and cash. Avoid keeping your bank/credit cards, cash and passport in the same bag.
- Create digital backups of documents like your passport, visas, travel insurance details, and prescriptions.
- Check for Canadian government safety and health advisories for the destinations you’re travelling to, and leave yourself plenty of time to get the recommended travel vaccinations – some require more than one jab.
- Register with Canadians Abroad to stay updated on emergency situations.
- Be mindful of local customs and laws to avoid unintentional offences
- Monitor weather conditions and local advisories, especially in regions prone to extreme weather or natural events
- Share your itinerary with someone at home and check in regularly while travelling
- Be cautious with food and water – stick to bottled or filtered water, avoid ice in uncertain settings, and choose freshly cooked food over anything that’s been sitting out
FAQ
Here are our most frequently asked questions about online travel insurance cover. 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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Am I covered if my luggage is lost or stolen?
Yes, World Nomads travel insurance provides coverage for lost or stolen luggage. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums. Compare plans to decide which one is best for you.
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Do I need to have Government Health Insurance Plan coverage in Canada while I’m travelling?
Yes. You will still need to have Government Health Insurance Plan (GHIP) coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.
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What if I’m travelling within Canada – do I still need travel insurance?
It’s not mandatory but is strongly recommended. World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road. A good travel insurance plan can help prevent unexpected events from turning into full-blown disasters. Keep in mind that your GHIP covers the basics out of province for emergency medical care, but not everything – which is why many travellers still take out travel insurance, even for trips within Canada.
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What happens if I get sick or injured while travelling?
If you become seriously ill or have an accident overseas, travel insurance can help cover medical treatment and hospital costs. It also gives you access to 24/7 emergency assistance, so support is just a phone call away when you need it most.
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Can I cancel my trip if something comes up before I leave?
Yes, trip cancellation coverage allows you to cancel your trip before departure for specific covered reasons, such as illness or unforeseen events. All World Nomads plans cover trip cancellation for covered reasons, but our Epic and Explorer plans also offer optional Cancel For Any Reason cover, giving you more flexibility if your plans change.
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What is emergency evacuation and why might I need it?
If you’re seriously sick or injured in a remote location without adequate medical care, emergency evacuation can cover the cost of transporting you to the nearest suitable facility or even back home. It may also include additional support, such as bringing a family member to your bedside in certain situations.
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What if I have to cut my trip short?
Trip interruption cover helps if your journey is cut short after it’s already begun. If you need to return home early or miss part of your itinerary due to a covered reason, it may reimburse unused, prepaid, non-refundable travel costs.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance for the Schengen Area
Canadian residents can protect their trips to the 29 countries in the Schengen area
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As featured in:
At a glance
- World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents who are travelling to countries in the Schengen area
- Coverage for emergency medical expenses, trip delay, lost bags, natural disasters, and more may be included (up to the maximum limits shown in your policy documents)
- Some plans may also include travel insurance benefits, such as rental car protection and roadside assistance
- An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads
- Why should you consider travel insurance for the Schengen area?
- What May Be Covered
- Exclusions
- Maximum Limits
- Schengen Countries
- How to File a Claim
Why should you consider travel insurance for the Schengen area?
The Schengen Agreement makes it easier for travellers to visit multiple countries, and every day over 3.5 million people are crossing internal borders in these 29 countries. The treaty essentially means that when you cross the border into one of these countries, you have access to all of them (that is, you're free to travel between these countries with no border controls and no passport checks). Within the Schengen area there are so many adventures you can have. But what happens if you get hurt skiing in Switzerland and need to get emergency medical care, or if your bags get lost on the way to France? Travel insurance for Schengen countries may help with some of these unexpected situations.
Exclusions
- Travel to countries that you don’t list when you purchase your plan
- Non-emergency treatment that can wait until you return home province
- Activities not listed as covered in your policy documents
- Pre-existing conditions, as outlined in your policy documents
- Unattended baggage or personal items
- Injuries that happen while under the influence of drugs or alcohol
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per item limit of $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per item limit of $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Schengen Countries
How to File a Claim
If you have a World Nomads Travel Insurance plan, and experience a sudden, unforeseen circumstance due to a covered risk while you’re travelling outside of your home province, you’ll need to contact us as soon as possible and provide certain information that may include:
- Your name and contact information
- Your policy number
- The type of loss, as well as the amount
- The name of your travel suppliers
- The trip dates
- The amount you paid for your trip
You can then file a claim online.Claims can be made through your World Nomads member’s page at: https://www.worldnomads.com/travel-insurance-claims. Depending on the reason for your claim, you’ll need to provide required documentation that may include:
- Receipts and invoices
- Itineraries
- A statement from your attending physician
- Medical bills and reports
- Written documentation from the travel provider that explains the reason for your loss
- Proof of payment for the trip such as cancelled cheque or credit card statements
- Reports from the police or other authorities.
FAQ
Here are our most frequently asked questions about cover for the Schengen area. 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 Schengen Agreement?
The Schengen Agreement is a treaty that has been signed by 29 countries. Once you’ve crossed the border into one of them, you’re free to travel between the Schengen countries with no border controls and no passport checks. These 29 countries have agreed on a common visa application form for visitors from outside the area. So if your travels are taking you to Europe you might need to apply for this ‘Schengen visa'. We say 'might' because not everyone needs one...it all depends on where you're from and what countries you'll be visiting in Europe.
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Do I need a Schengen visa?
If you are a Canadian citizen with a Canadian passport travelling to Schengen countries for business or tourism, you will not need a visa as long as your stay does not exceed 90 days within any 180-day period. If you plan to stay in the Schengen area longer than 90 days in any 180-day period, you must contact the high commission or embassy of the country or countries you plan to visit and obtain the appropriate visa before you travel.
Also, be aware that ETIAS (European Travel Information and Authorisation System) will start operations at the end of 2026. This will affect visa-exempt travellers (including those from Canada) that are going to enter 30 European countries. Travellers will be asked to apply via the official ETIAS website or mobile app. Each applicant will undergo a detailed security check to determine their status for entry into any of the Schengen Zone countries.
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Does World Nomads Travel Insurance meet the Schengen visa requirements?
Yes…it does! If you are from one of the countries that requires a Schengen visa, you need to prove that you have adequate travel insurance that is valid for the entire period of your stay (or transit) in the Schengen area. World Nomads travel insurance policies do provide this cover (in fact, they cover much more than the required EUR €30,000) and therefore it should be accepted as part of your Schengen visa application.
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When does ETIAS start?
ETIAS will start in the last quarter of 2026, but an exact date has not been set yet. This will affect the process for visa-exempt travellers (including those from Canada) that are going to enter 30 European countries. Once it starts, travellers will be asked to apply via the official ETIAS website or mobile app. Each applicant will undergo a detailed security check to determine their status for entry into any of the Schengen Zone countries.
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How long can I stay in the Schengen countries without a visa?
As a Canadian citizen, you can visit Schengen area countries without a visa for up to 90 days in any 180-day period. If you plan to stay in the Schengen area longer than 90 days in any 180-day period, you must contact the high commission or embassy of the country or countries you plan to visit and obtain the appropriate visa before you travel.
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Can I get travel insurance if I’m travelling to multiple Schengen countries in one trip?
Yes. When you get a quote for Schengen area travel insurance, you’ll be asked to input which countries you’ll be visiting. Make sure you list all of the countries on your itinerary. When you buy a policy, you must select all the countries and regions where you’ll be travelling, and these will be shown on your policy documents.
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What EU countries are not included in the Schengen agreement?
The only EU countries that are not part of this agreement are Cyprus and Ireland.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance coverage for family trips
Bringing the kids? Cover them all with one travel insurance plan for Canadians
- As featured in:
As featured in:
At a glance
- Choose your level of coverage: World Nomads offers four travel insurance plans. Plans range from standard to higher-limit protections.
- One plan. Up to seven kids: With World Nomads, you may be able to cover up to seven of your dependent children under one plan – if you’re adventurous enough to bring them all.
- Medical, trips and luggage covered: Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage.
- What may be covered on a family trip
- What may not be covered?
- What happens if you or your travel companion becomes ill or injured while on a trip with the kids?
- Who is covered under a family travel insurance policy?
- How can World Nomads Travel Insurance cover me and my family?
- Top safety tips we recommend for your family trip
- FAQs
Taking the kids along this time? We love seeing young travellers discover the world. Travelling with kids is full of adventure – and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Family travel insurance may help you manage those unexpected moments and keep your trip on track. Travel insurance for families may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What may be covered on a family trip
- Up to 7 dependent children on one travel insurance plan, for the same price
- Emergency Medical Expenses
- Emergency Medical Evacuation
- Trip Cancellation, Interruption and Delay
- Baggage and Personal Effects
- 24/7 Emergency Assistance
- 250+ Activities
What may not be covered?
- Non-emergency treatment that can wait until you return home
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.
- Participation in a sport or activity not listed in the covered activities list.
Important to know
World Nomads Travel Insurance can cover your family travels within Canada or abroad. Wherever you’re travelling to, you will still need to have Government Health Insurance Plan coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.
What happens if you or your travel companion becomes ill or injured while on a trip with the kids?
World Nomads family travel insurance plans may cover the transport of your minor children back home, accompanied by an attendant if necessary. With travel insurance for kids and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
Who is covered under a family travel insurance policy?
When you buy a family travel insurance plan, coverage may extend to:
- Parents or legal guardians travelling with their dependent children (under 21 years of age or up to 25 years of age if they are full-time students).
- Families who live in the same province and are Canadian residents
- Your dependent natural, adopted, step or foster children.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on a single-family travel insurance plan –for the same price
If your kids don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be travelling with you on the plan to ensure coverage for your whole family.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel insurance plans, designed for travellers by travellers, to help you travel confidently on your next family vacation. Our four plans offer differing levels of coverage, so it’s important you compare plans and pick the best one for your trip.
Are dependents covered up to the same policy limits?
Yes; as long as you’ve added them to your policy when purchasing, your kids are covered up to the same limits even though they are travelling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person.
Top safety tips we recommend for your family trip
- Have a ‘who to contact first’ plan. Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and plan number.Keep it on paper and in your phone in case batteries run low.
- Set a family meeting point. For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated.Make it precise, like ‘under the main departures board', not ‘near security’.
- Share live location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc. to keep track of every family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a mobile phone, consider putting an AirTag on their shoe or backpack.
- Separate important cards and cash. Don’t keep all bank cards, cash and passports in the same bag.Each adult (or responsible teen) carries one payment card and a copy of their ID.
- Create digital backups of documents like your passports, visas, travel insurance details and prescriptions. Save them in a password-protected cloud folder.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for your family trip destination.
- Register with Canadians Abroad to stay updated on emergency situations.
FAQ
Here are our most frequently asked questions about cover for family travel insurance. 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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Can I buy a family travel insurance plan if we're already on our trip?
Yes, you may be able to buy family travel insurance after your trip has started. If you’re already travelling and realise you need coverage, you can still purchase travel insurance while abroad as long as you meet the plan’s eligibility requirements and your trip is outside your home province. You can choose the length of coverage that fits your itinerary – up to 365 days per trip. If your trip is more than 183 days (212 for Ontario and Newfoundland) you must have written evidence of extension of your Government Health Insurance Plan (GHIP) to qualify for coverage under the plan. Always review your plan wording carefully to understand when your coverage begins and ends.
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If the airlines lose our bags, am I covered?
Yes, World Nomads travel insurance provides coverage for lost or stolen baggage. Exclusions apply.
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What is covered if we need to cancel our family trip?
You would only be eligible for reimbursement if you cancelled for a covered reason as listed in your plan documents. These reasons could include being too sick and your physician has advised you not to travel, or the unexpected death of a family member. All World Nomads plans cover trip cancellation for covered reasons, but our Epic and Explorer plans also offer optional Cancel For Any Reason cover, giving you more flexibility if your plans change.
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What if one of the family gets sick while travelling?
If you or a member of your family is injured or gets sick while you’re travelling, and you’ve bought the plan for the activities you’re doing, emergency medical expenses may provide coverage for: hospitalisation; out-patient treatment for medical emergencies; prescribed medicines, X-rays and laboratory tests; and being brought home if medically necessary.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like travelling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
