Baggage Travel Insurance for Canadian Travellers
Learn how travel insurance for baggage may help if your bags are lost, delayed, stolen or damaged
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that includes protection for baggage, sporting equipment, and personal items
- Lost, stolen, and delayed bags and sporting equipment may be covered
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for necessary personal effects for essential items such as clothing and toiletries, so you're not left wearing the same thing until you get your bags (up to maximum benefit limits as shown in your policy documents)
- Damaged or stolen passports, baggage, or personal items such as cameras and computers may be covered (up to the depreciated value and subject to per-item and maximum limits)
- Why should you consider travel insurance for stolen, lost or delayed bags?
- What’s Covered by Baggage Insurance
- Important to Know
- Maximum Limits for Baggage and Personal Items
- How to Make a Claim for Lost or Stolen Baggage and Personal Effects
- Travel and Packing Tips
- FAQs
Why should you consider travel insurance for stolen, lost or delayed bags?
We’ve been the ones sitting at the baggage carousel waiting for the bag that never came, and unfortunately, we’re not the only ones. Data reported by TravelPulse Canada showed that almost one in three Canadians have had their luggage misplaced by an airline. Because of that, you may want to consider getting a quote for travel insurance for baggage and personal effects. If your bags are lost by a common carrier, travel insurance may reimburse you for the depreciated value to replace items such as clothing, cameras, computers and more (maximum benefit limits and per-item limits apply).
Sometimes your bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you may be reimbursed for things such as toiletries or a change of clothes (up to maximum benefit limits shown in your policy).
What’s Covered by Baggage Insurance
- Baggage delays by your airline or other common carrier on the way to your destination
- Bags and sporting equipment lost or damaged by your airline or common carrier
- Stolen baggage or personal items (including your smartphone or camera)
- Stolen sporting equipment
- Sporting equipment delay
- Damaged, lost, or stolen passports and IDs
Important to Know
- Bags left unsupervised or in an unlocked car won’t be covered
- Stolen items must be reported to the local authorities and you must obtain a police report.
- Benefits are payable only after you’ve exhausted reimbursement from your transportation carrier or other responsible parties
- Lost or stolen items are subject to depreciation
- Coverage is subject to per-item and total maximum benefit limit amounts as shown in your policy
Maximum Limits for Baggage and Personal Items
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Baggage Loss: Up to $1,000 CAD total, and up to $500 per item Baggage Delay: Up to $250 Travel Documents Theft or Damage: Up to $250 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 for each item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
Baggage Loss: Up to $5,000 total, and up to $1,500 per item Baggage Delay: Up to $1,000 Travel Documents Theft or Damage: Up to $1,500 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 per item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
How to Make a Claim for Lost or Stolen Baggage and Personal Effects
If your baggage or personal effects get stolen or damaged, you must notify us within 24 hours of the loss. You must also report the theft or damage to police, as well as your tour operator representatives, the hotel manager or official transportation representative, and obtain a written report.
When making a claim, you may need to submit documentation such as:
- A letter of coverage or denial from the transportation carrier or other responsible party
- The written report regarding the theft or damage
- Receipts for all lost or stolen articles over $149.99 CAD
Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen while travelling. These are challenging circumstances, but there are a few essential traveller tips that can help you be proactive, in hopes that you can avoid these situations.
- Consider travelling with a carry-on only. This is the best way to avoid bags getting lost or delayed by your airline.
- If you must check a bag, make sure your medications, glasses, contact lenses and hearing aids are in your carry-on. You won’t want to be without those things and travel insurance for lost or delayed bags won’t cover those items.
- If you need to make a claim for a lost or stolen bag, you’ll need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing prior to leaving on the trip.
- Enable location tracking on your phone, tablet and laptop.
- Leave the flashy jewelry and valuables at home.
FAQ
Here are our most frequently asked questions about cover for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do World Nomads plans include travel insurance for lost or delayed bags?
Yes, all World Nomads plans include travel insurance for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-item and maximum limits. You can then see which travel insurance plan is the best for your needs.
-
Does travel insurance include coverage for stolen bags?
If your bags are stolen while you’re travelling, and you didn’t leave them unattended, you may be able to be reimbursed for the depreciated value of certain items that you can prove you owned. Make sure you report the theft to local authorities as soon as it happens though and obtain a written report – you’ll need that documentation. Also, per-item and maximum limits apply, so you’ll want to reference your policy to see how much you may be able to claim. If you have any questions about what you may be able to claim, contact our team.
-
What do I do if the airline loses my bags?
If your airline loses your checked baggage, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. After you’ve exhausted reimbursement benefits from your airline or other responsible party, you can submit a claim; travel insurance may cover the depreciated value of lost items (up to the maximum benefit limits and per- item limits shown in your policy). You’ll also need to keep any relevant tickets, luggage check information, receipts and other documentation related to the issue. You’ll need these items if you plan to make a claim.
-
Does travel insurance cover pickpocketing?
Pickpocketing is common in some destinations and is especially prevalent in areas where there are large crowds. While there are things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance may cover the cost to replace your stolen items (subject to depreciation). Just make sure you make a report with the local police as soon as it happens and obtain a written report. You will need this documentation if you plan to make a claim.
-
What should I do if my passport is stolen?
If your passport is stolen, or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of a replacement (up to maximum limits as shown in your policy documents).
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.
-
Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. You may be eligible for reimbursement of the actual cash value (which is the purchase price less any depreciated value) or the cost of replacement. The policy defines depreciated value, making proper allowances for wear and tear based on the age of the item.
-
If my bags are delayed, what may I be reimbursed for?
If your checked-in bags are delayed by your airline or other common carrier for 12 hours or more en route to your destination, your plan may provide reimbursement for necessary personal effects such as essential items like clothing and toiletries, so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
If you’re not sure what you can claim, contact our team.
-
Are high value items covered by travel insurance?
If a high-value item has been stolen or damaged, you are able to submit a claim up to the maximum benefit limits applicable to the baggage, personal effects and sporting equipment section of the policy.
Keep in mind that there are some things that we don’t cover at all such as antiques and collectibles, furniture and fragile objects. Always read your plan wording carefully to ensure you have adequate coverage for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.
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 Benefits for Delayed Bags
Learn how travel insurance benefits may help US Residents if an airline delays their bags
- As featured in:
As featured in:
At a glance
- World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
- Travel insurance benefits for delayed bags are included in all World Nomads plans (per-day and maximum limits vary by plan)
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes
- A non-insurance service that’s included with all plans may help reunite you with lost checked baggage
- Why should I consider travel insurance and non-insurance assistance services for delayed bags?
- Items You May Be Reimbursed For
- Some exclusions that may not be covered
- Maximum Benefit Amounts For Baggage Delay
- What to Do If Your Bags Are Delayed
- FAQs
Why should I consider travel insurance and non-insurance assistance services for delayed bags?
According to the Bureau of Transportation Statistics, more than 5% of bags are lost, damaged, delayed, or pilfered by US air carriers*. If your luggage goes missing, World Nomads Travel Insurance offers travel protection plans with two ways to help—first by helping track it down with an included non-insurance service perk, and second by helping cover essential purchases while you wait. The non-insurance service covers every flight, anywhere in the world. If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still missing, your next message should be to our Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly.
If your checked-in bags are delayed or misdirected by your common carrier for more than 12 hours en route to your destination, your plan may also reimburse you for essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and necessary essential items, such as a warm coat if you’ve arrived at the ski slopes in Japan. (Per-day and maximum limits apply.)
Items You May Be Reimbursed For
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
- Reasonable essential items deemed necessary
Some exclusions that may not be covered
- Eyeglasses, sunglasses, or contact lenses
- Hearing aids
- Orthodontic devices
- Prescription medications
- Credit cards**
- Tickets**
- Cash and documents**
**(except as otherwise specifically covered herein)
Maximum Benefit Amounts For Baggage Delay
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 total Get a quote |
What to Do If Your Bags Are Delayed
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- Contact our Delayed or Lost Baggage Tracking and Delivery service partner and provide them with the file reference, record locator number, and Property Irregularity Report.
- If your checked bags are delayed by your common carrier for at least 12 hours, you may be reimbursed for essential items such as toiletries and a change of clothes. Review your plan documents to see what your per-item and maximum limits are.
- Don’t go on a shopping spree and get a new wardrobe if your bags are delayed. Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises).
- Save receipts for all items you purchase.
- You’ll then need to file a claim online within 20 days after a loss occurs.
- Submit relevant receipts for the items you buy as part of the claim process within 90 days.
FAQ
Here are our most frequently asked questions about cover for delayed bags You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do all World Nomads plans include travel insurance for delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for delayed bags, though each plan has different per-day and maximum limits. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-day and maximum limits. All plans also include access to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner that could help reunite you with your bag if it is lost or delayed.
-
What should I do if my bags aren’t at the airport when I land?
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report.
-
Can I get new clothes to wear until my bags are found?
If your baggage is delayed for at least 12 hours, you may be reimbursed for toiletries and a change of clothes until you and your bags are reunited. Per-day and maximum benefit limits do apply though, so this doesn’t mean you should go on a shopping spree and buy expensive designer outfits.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
If you’re not sure what you can claim under your baggage delay travel insurance benefits, contact our team.
-
Can I be reimbursed for a new coat if my bag is delayed and I’m in a cold destination?
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), you may be reimbursed for that.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items.
-
What is the non-insurance delayed and lost baggage tracking and delivery service?
This is an additional service that is included in your World Nomads Travel Insurance plan. If your checked baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may help. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
-
Do travel insurance benefits cover lost and stolen bags?
Yes, certain travel insurance benefits may cover lost and stolen bags (up to per item and maximum benefit amount) Terms and conditions apply. When you get a quote for travel protection with baggage benefits, you can compare the plans side by side. If you’re not sure what’s covered, contact our team.
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)
Trip Cancellation Travel Insurance Benefit
How unexpected trip changes for US Residents may be covered by the trip cancellation insurance benefit
- As featured in:
As featured in:
At a glance
- Trip cancellation insurance benefits are included in all World Nomads Travel Insurance protection plans
- You may be reimbursed for pre-paid, unused, forfeited, non-refundable trip expenses if you need to cancel for an unforeseen, covered reason
- An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads (Not available for New York residents)
- Why consider travel insurance for trip cancellation?
- Reasons for Trip Cancellation that may be Covered
- Important to Know in the Event of a Claim
- Plans and Trip Cancellation Maximum Amounts
- What is a ‘cancel for any reason’ travel insurance benefit, and how is it different from trip cancellation insurance benefit?
- What you may need to file a trip cancellation claim
- Traveler Tips
- FAQs
Why consider travel insurance for trip cancellation?
Even when you’ve meticulously planned out all of the details of your dream vacation, sometimes things happen that cause you to cancel your trip. It’s painful enough to have to miss out on your getaway, but it’s even worse to also lose all of the money that you’ve already paid towards your trip. With a single-trip or annual travel plan that includes trip cancellation insurance benefits, you may be reimbursed for the non-refundable, unused, forfeited, pre-paid money you’ve spent for things like tours, transportation, and hotel accommodations if you cancel for a covered reason.
Reasons for Trip Cancellation that may be Covered
- Unexpected sickness or injury
- A terrorist incident occurs before Your Trip with 30 days of your scheduled departure date in the scheduled trip departure city or in a city listed on the scheduled itinerary of your trip
- A natural disaster makes your primary residence or scheduled destination accommodation uninhabitable and remain uninhabitable
- An unannounced airline strike that results in a complete cessation of services for at least 24 consecutive hours
- Inclement weather that causes your common carrier to stop services for at least 24 consecutive hours
Important to Know in the Event of a Claim
- Terms and conditions apply; read your plan documents to understand the coverages
- To cancel for sickness or injury, a doctor’s note may be required
- No coverage may be available for an event or circumstance that is known before you purchase your travel protection plan (like an already-named hurricane)
- Documentation showing the reason for your cancellation, as well as receipts for your trip expenses, if you intend to make a claim
Plans and Trip Cancellation Maximum Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to a maximum of $2,500 Get a quote |
Up to a maximum of $10,000 Get a quote |
Up to a maximum of $15,000 Get a quote |
Up to a maximum of $5,000 per individual coverage term Get a quote |
What is a ‘cancel for any reason’ travel insurance benefit, and how is it different from trip cancellation insurance benefit?
Trip cancellation insurance benefits are included in all single-trip and annual travel plans offered by World Nomads and this gives you the opportunity to cancel your trip before you depart – but only for covered reasons. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if your situation is one of the cancellation covered reasons listed in your plan document. For example, if you get sick before your trip and your doctor advises you not to travel at that time, you may be covered. If your flight is canceled by an airline and you aren’t able to make it to your destination, you may also be covered. (This is a real issue – almost 100,000 flights were canceled by U.S. air carriers in 2024.)
‘Cancel for any reason’ coverage allows you to cancel for any reason not otherwise covered by the plan, but it isn’t automatically included. It’s an optional add-on for US residents (not available to resides of New York) that’s available if you purchase the Epic or Explorer plan within seven days of the date your travel supplier receives you first trip deposit (like booking a hotel or airline ticket). This is called the ‘time sensitive period’. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 75% of prepaid and non-refundable deposits and payments you made if you cancel your trip no later than 2 day prior to the scheduled departure date of your trip.
What you may need to file a trip cancellation claim
Should something unexpected happen that causes you to cancel your trip for a covered reason, you can file a claim online. In order to make a claim using your trip cancellation insurance benefit, you’ll need to provide required documents that may include but not limited to:
- Copies of receipts and invoices showing the unused, forfeited, prepaid, non-refundable expenses that you paid for in advance
- Documentation showing proof of what caused you to cancel your trip. For example, if you are canceling your trip due to illness, you’ll need to show medical reports proving you were unable to travel.
Our Recommended Traveler Tips
As travelers ourselves, we’ve felt the heartache of having to cancel trips. Nobody ever books a trip with the intention of canceling it, but we’ve dealt with everything from sickness to named storms that grounded flights. Here are a few of our personal travel tips that may help you avoid some of those situations.
- If you have an option to book refundable airline tickets, hotels, and tours, do it – even if it costs a little more.
- When you get a quote for travel protection that covers trip cancellation, read the plan documents and make sure you understand the covered reasons for trip cancellation. If you think there’s any possibility that you may cancel for any other reason than those listed, consider adding on ‘Cancel for Any Reason’ travel insurance coverage. With that, you can cancel for any reason– as long as you do so at least two days before your scheduled departure date. (It’s only available for those who purchase the Explorer or Epic plans, and it must be purchased during the time sensitive period. It’s also not available for New York residents.)
- Save all of your receipts. Every. Single. One. Don’t wait until you’re trying to make a claim – it’s painful digging through old emails to find those. Once you start planning your trip, create a folder and save everything in one place.
- Check out the S. Department of Transportation’s Cancellation and Delay Dashboard to see what is covered by various airlines. Many airlines will cover things such as meals, hotel accommodations, and transportation if a cancellation is due to circumstances within their control.
- Before you book your trip, research your destination on the U.S. Department of State’s website. You can search by destination and see if there are any travel advisories issued for where you’re going. If you see there’s a travel advisory after you book your trip, you won’t be able to cancel your trip and make a claim just because you don’t want to go. (If there’s a terrorist attack or natural disaster, you may be eligible for insurance benefits and non-insurance services.)
FAQ
Here are our most frequently asked questions about cover for trip cancellation. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do all World Nomads plans include trip cancellation insurance benefits?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance, but only if your situation is one of the covered events listed in your plan documents.
(The optional ‘Cancel for Any Reason’ add-on allows you to cancel for any reason not already covered by the plan, but it is only available for those who purchase the Explorer or Epic plans, and it must be purchased during the time sensitive period. This add-on is not available for New York residents.)
-
What does trip cancellation coverage include?
Trip cancellation is a benefit that reimburses you for pre-paid, forfeited, unused, non-refundable trip payments if you need to cancel for an unforeseen, covered event such as an illness, injury, jury duty, a death in the family or an airline strike. Your plan documents list all the covered reasons.
Reimbursable costs may include things like airfare, train tickets, hotel rooms or tour expenses.
-
Is 'Cancel for Any Reason' coverage automatically included in my travel protection plan?
No. ‘Cancel for Any Reason’ coverage is an additional add-on that is available to US residents (not available to residents of New York) who purchase either the Explorer or Epic plan within the time sensitive period. When you get a quote for travel protection with insurance benefits and non-insurance services and choose either the Explorer or Epic plan, you’ll see the option to add-on ‘Cancel for Any Reason’ coverage if you’re not a resident of New York.
-
Along with trip cancellation insurance benefit, what else does a plan include?
A travel protection plan from World Nomads includes a range of travel insurance benefits and non-insurance services that may help with things such as trip delays, lost baggage, and emergency medical expenses. It may also cover 250+ sports, activities and experiences.
-
How do I file a claim if I need to cancel my trip?
If you need to cancel your trip due to a covered reason, you can file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your canceled trip as well. For example, if you are canceling your trip due to illness, you’ll need to show medical reports proving you were unable to 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
- 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)
Baggage Travel Insurance Benefits
Learn how travel insurance benefits for baggage may help protect US Residents if bags are lost, delayed, or stolen
- As featured in:
As featured in:
At a glance
- Travel insurance benefits for lost, damaged, destroyed, stolen, or delayed bags are included in all World Nomads Travel Insurance protection plans
- If your bags are delayed by at least 12 consecutive hours or more on the way to your destination, you may be reimbursed for necessary personal items until you are reunited with your belongings
- Our non-insurance service included in every plan tracks and delivers missing checked bags
- Stolen baggage, passports, or personal items such as cameras and computers may be covered (Up to per item and maximum benefit amount) Terms and conditions apply.
- Why consider travel insurance and non-insurance assistance services for lost or delayed bags?
- What May Be Covered in your plan
- Important to Know in the Event of a Claim
- Baggage and Personal Effects Maximum Amounts
- Baggage Delay Maximum Amounts
- What to do if your bags or belongings are lost, stolen, or delayed
- Recommended Travel and Packing Tips
- FAQs
Why consider travel insurance and non-insurance assistance services for lost or delayed bags?
If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain for your belongings to appear, you know the sinking feeling that comes with losing your luggage. According to a 2024 air transportation study*, major airlines mishandle roughly 6 bags per 1,000 passengers — which equal over 33 million mishandled bags globally. Sometimes they just took a detour and ended up elsewhere temporarily, but occasionally they’re gone forever. Neither scenario is any fun, but a single-trip or annual travel protection plan that includes travel insurance benefits for lost or delayed bags may be able to help when your bag ends up somewhere other than where it’s supposed to be.
What May Be Covered in your plan
- Reimbursement for the purchase of necessary personal Items (like toiletries or a change of clothes) if your baggage is delayed by a common carrier for at least 12 consecutive hours on the way to your destination
- Delayed or lost baggage tracking and delivery service
- Stolen bags or personal items (may include your phone or camera.) Terms and conditions apply.
- Non-insurance assistance services to help with stolen passports, visas, or other travel documents
Important to Know in the Event of a Claim
- Coverage is secondary to any reimbursement you receive from your common carrier
- Subject to per-item and total maximum benefit amounts with the baggage and personal effects benefit
- If you leave your bags unattended and they get stolen, you may not be covered
- If your bag is lost or stolen, you must report it to the local authorities (airline, police, etc.) and get documentation of it
Baggage and Personal Effects Maximum Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| $500 maximum benefit payable per article, up to $1,000 total Get a quote |
$1,000 maximum benefit payable per article, up to $2,000 total Get a quote |
$1,000 maximum benefit payable per article, up to $3,000 total Get a quote |
$500 maximum benefit payable per article, up to $2,000 per trip Get a quote |
Baggage Delay Maximum Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
What to do if your bags or belongings are lost, stolen, or delayed
- If your bags are delayed, lost, or stolen, report it to your common carrier (airline, train, etc) or local authorities. Save proof of the report, documentation confirming delivery as well as reimbursement and receipts for essential items.
- Complete all documentation required by the carrier.
- If your bags are lost by an airline, contact our Delayed or Lost Baggage Tracking and Delivery service partner.
- Review your plan documents to see what your per-item and maximum benefit amounts are.
- If you need to purchase replacement items for a baggage delay, consider what can actually be considered ‘essential’ items versus ‘wants’ and save all receipts. You can file a claim online, but make sure you do it within 20 days after a loss occurs or as soon as is reasonably possible. In order to claim your travel insurance benefits for lost or delayed bags, you’ll need to provide required documents within 90 days of the loss.
Recommended Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen when traveling. These are challenging circumstances, but there are a few essential traveler tips that can help you be proactive to try to avoid these situations.
- Consider traveling with a carry-on only. This can be the best way for you to avoid bags getting lost or delayed by your airline. If you must check a bag, put a tracking device in it so you can check in on its whereabouts.
- If you must check a bag, make sure your medications, glasses, contact lenses, hearing aids, and orthodontic devices are in your carry-on. You won’t want to be without those things and these items may be excluded from your baggage and personal effects travel insurance benefit.
- In the event of a claim, receipts may be needed. Original receipts (if available) and a complete list of stolen, damaged or lost item(s) must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the item(s) is damaged; The easiest way to do this is to save receipts and take photos of what you are packing, prior to leaving on the trip.
FAQ
Here are our most frequently asked questions about cover for baggage travel insurance benefits. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do all World Nomads plans include travel insurance benefits for lost or delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per item and maximum benefit amounts.
-
If my bags are delayed, what necessary personal items could I be reimbursed for?
If your bags are delayed by at least 12 consecutive hours or more en route to your destination, your plan may reimburse you for the necessary personal items like:
- Socks
- Underwear
- A change of clothes
- Toiletries
- Pajamas
Be sure to look at your plan wording, including per-day and maximum benefit amounts, before making any purchase to replace your delayed items. If you’re not sure what you can claim, contact our team.
-
What is the non-insurance delayed and lost baggage tracking and delivery service?
If your baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may come to your rescue. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
-
Could high value items be covered by the Baggage and Personal Effects travel insurance benefit?
Higher valued items like jewelry, watches, silver, gold or platinum items, furs and articles trimmed with fur, cameras, and camera equipment may be covered but are subject to special limits. Terms and conditions apply. Always read your plan wording carefully to ensure you have adequate coverage for your needs. If you still have questions, contact our team and we can help you figure out what’s best for your circumstance.
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)
Emergency Medical Expense Coverage for Accidents and Sicknesses
Accidents happen. Learn how US residents can protect their trip with emergency medical expense coverage
- As featured in:
As featured in:
At a glance
- Emergency medical help abroad: Accident & Sickness Medical Expense coverage for hospital stays, ambulance transport, prescriptions, and emergency dental treatment when you’re injured or sick overseas.
- Medical evacuation and repatriation benefit: World Nomads Travel Insurance may help cover the cost of Emergency Medical Evacuation if needed. (Subject to Approval)
- 24/7 global assistance: Our non-insurance Emergency Assistance team is on call 24/7 to help you find suitable care, communicate with doctors, and coordinate logistics in any language and in any time zone.
- Stay healthy on the road: Get pre-trip telehealth advice, upload portable medical records, and follow simple steps to prevent foodborne illness and altitude sickness while traveling.
- Why consider travel protection for medical emergencies abroad?
- Accident and Sickness Medical Expenses that may be covered
- What May Not Be Covered
- Accident and Sickness Medical Expense Coverage Maximums
- Our recommendations in the event of an unexpected medical emergency on your trip
- What you’ll need to file a claim
- Traveler Tips
- FAQs
We’ve seen just about everything on the road—from motorbike spills and sudden illnesses to allergy attacks and even a shark bite. When the unexpected happens, knowing who to call and how to get help overseas can make all the difference. With a plan from World Nomads Travel Insurance, you can explore with confidence knowing you’re prepared for those “just in case” moments.
Why consider travel protection for medical emergencies abroad?
One of the top reasons our nomads buy travel protection plans that include the medical expense insurance benefit is to protect themselves if they get sick or injured while abroad. Food poisoning, car accidents, or sudden illness can strike when you least expect it. In fact, 27% of claims across all US travel insurance companies in 2024 were for situations like this. Sometimes you just need a doctor to prescribe medicine, but serious cases may require hospitalization, surgery, or emergency evacuation.
Your regular health insurance back home may not cover you once you leave the country. With travel insurance that includes the medical expense coverage, you can get help arranging treatment and avoid paying high out-of-pocket costs if you end up in a hospital or need emergency care while traveling.
The non-insurance Emergency Assistance Team is available 24/7, 365 days a year. They should be your first call in any emergency, if the situation allows it. They’ll ask you:
- Your plan number (if you have it on you)
- A contact number to reach you
- The nature of your emergency
- Your location
- Any prescribed medication
- Call them at: 1-877-289-0968 within the United States and 1-954-334-8143 from anywhere in the world.
Accident and Sickness Medical Expenses that may be covered:
- Hospitalization
- X-Rays and Lab Tests
- Prescribed Medicines
- Ambulance Transportation
- Transportation to Your Primary Residence (Repatriation), if deemed medically necessary
- Emergency Dental Treatment
What May Not Be Covered:
- Non-emergency treatment that can wait until you return home
- Care or treatment that is payable under any other insurance plan
- Ongoing treatment at home
- Any reckless or illegal behavior, including being under the influence of drugs or alcohol
Emergency Medical Coverage: Plan Comparisons
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| $125,000 per person Get a quote |
$150,000 per person Get a quote |
$250,000 per person Get a quote |
Up to $100,000 per person Get a quote |
Please note - plan benefits and provisions may vary by state jurisdiction.
Our recommendations in the event of an unexpected medical emergency on your trip
- Get to safety. In a serious emergency, go to the nearest hospital or safe location immediately.
- Call our non-insurance 24/7 Emergency Assistance team. They can recommend trusted doctors or clinics nearby.
- Stay in touch during treatment. As the unexpected situation develops, keep our team informed so they can continue to assist you.
- Need to be moved? If medically necessary, the non-insurance Emergency Assistance team can help arrange medical evacuation or repatriation— contact our team first before organizing transport yourself.
- Keep your paperwork. Save all medical reports and receipts, then file a claim within 20 days after a loss occurs or as soon as is reasonably possible.
What you’ll need to file a claim
The exact documentation will vary, depending on the care you received and the out of pocket expenses you paid. Some examples of required documents could include:
- Discharge records of injury or illness and reports for medical and/or dental expenses claimed
- Copies of all bills, receipts, invoices from the provider of services
- An incident report from the local authorities
- An explanation of benefits from any other applicable insurance
Our Recommended Traveler Tips
- Make use of our non-insurance service perks included in all plans.
- Pre-Departure Telehealth Service – chat virtually with a medical professional who can prescribe you travel medications, like for altitude sickness or traveler’s diarrhea. They can even prescribe you necessary vaccines.
- Portable Health Records – upload your medical records online so your necessary information travels with you.
- Be aware about food and water. To avoid foodborne illness while traveling, follow the rule: boil it, cook it, peel it, or forget it. Don’t forget about safe water for brushing your teeth too.
- Prepare a basic travel health kit. Pack essentials like pain relievers, bandages, electrolyte packets, and prescription meds. Include copies of your health insurance card and emergency contact numbers.
- Stay aware of altitude and climate risks. If you’re traveling to high elevations or hot, humid regions, learn the symptoms of altitude sickness or heat exhaustion and pace yourself.
FAQ
Here are our most frequently asked questions about cover for overseas medical insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Why should I purchase a travel protection plan?
Many U.S. health insurance plans may not cover you outside the country, which can make medical care abroad expensive. World Nomads Travel Insurance offers plans that may help reimburse costs for hospitalization, prescriptions, and emergency evacuation — plus offer support if your trip is interrupted or your belongings are lost.
-
What should I do in the event of a medical emergency while traveling abroad?
If you get hurt or sick while on vacation, contact local authorities as soon as you’re able to do so for immediate attention. If you are experiencing a medical emergency while on your trip, contact our 24/7 non-insurance Emergency Assistance Team at your earliest opportunity. They can direct you to an appropriate medical facility if you are sick or injured, plus much more! Be sure to have your plan number handy so they can find your information easily.
-
Why should you consider emergency medical evacuation coverage?
If you’re traveling to a remote area or a destination with limited medical facilities, including cruise ships, medical evacuation coverage might be necessary . It could cover the cost of transport to the nearest suitable hospital or even back to your primary residence if medically necessary. Terms and conditions apply.
-
What activities are covered by World Nomads Travel Insurance?
World Nomads is known for covering more than 250 adventure activities — from hiking, motorbiking, and adventure sports. Check your plan details to confirm which activities may be covered before you go.
-
Are pre-existing medical conditions covered?
Pre-existing conditions are excluded from our plans. 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. Additional terms apply.
-
How do I file a travel medical expense claim after my trip?
Save all documentation — medical reports, receipts, and discharge papers. You can file your claim online within 20 days after a loss occurs or as soon is reasonably possible.
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 while already abroad
Get covered by World Nomads, even if you're already overseas
- As featured in:
As featured in:
FAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Is there a waiting period?
Yes, there is a waiting period for the policy and for types of cover. You can find the details in the Policy Wording.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
-
How do I extend my travel insurance if I'm already abroad?
You can extend your Single Trip policy online while already travelling as soon as your policy starts, up until 11.59pm GMT on the end date shown on your Certificate of Insurance. Please check the terms of the Policy Wording to confirm you are eligible.
Already travelling, decided to extend your stay and realised your travel insurance has expired? Or worse… realised you never bought it in the first place?
With World Nomads, if you live in the United Kingdom and you’re 69 years or younger, you can buy a policy online, anytime, from anywhere in the world.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside the UK, 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 after leaving home or when already overseas, a waiting period may apply, which means you may have to wait up to 72 hours for full cover to apply, and certain benefits (like pre-trip cancellation) may not be available as you’ve already left home (for trips solely winthin the UK) or boarded your transportation for international trips. Where the insurance is purchased after your trip has commenced, your country of residence will determine the laws, regulations and tax that apply.
Any illness or injury that occurs during the waiting period may be considered a pre-existing medical condition and, as a result, will not be covered. However, no waiting period applies if you're seriously injured as a result of an accident, if it’s witnessed by someone else, after you buy a policy.
Lastly, if you buy a new policy before your current policy expires, you'll have continuous cover. However, as your new policy terms and conditions may differ from your previous one, be sure to read the Policy Wording before you buy, as it will have full details of the cover, limits, conditions, and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveller support
- 24/7 Emergency Medical Assistance
Waiting Periods apply
Malaria at Christmas
On the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A.G. Brazilian Nomad in Zambia
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamBuy Travel Insurance Away From Home
If you forgot to buy travel insurance before you left, Canadians can still be covered
- As featured in:
As featured in:
At a glance
- World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents
- You can purchase travel insurance even if your trip has already started (waiting periods, conditions and restrictions may apply)
- You can get a quote from almost anywhere in the world, as long as you have an internet connection
- Coverage for emergency medical expenses, trip delay, lost bags, natural disasters, and more may be included (up to the maximum benefit limits shown in your policy documents)
- How can I purchase travel insurance if I’m already travelling?
- Included in All Plans
- Exclusions
- Maximum Coverage Limits
- How to Make a Travel Insurance Claim
- FAQs
How can I purchase travel insurance if I’m already travelling?
With all the excitement of packing your bags, jumping on a plane, and jetting off to a faraway destination, travel insurance may slip your mind. If you forgot to buy travel insurance before leaving on your trip, you may be asking yourself “Can I buy travel insurance while already travelling?” The answer is yes! If you’ve left home without travel insurance or your plan has run out while you’re still on the road, don’t panic.
World Nomads has travel insurance plans for Canadian residents that you can buy online, anytime, from almost anywhere in the world – all you need is a good internet connection. Head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging by the pool at your resort.
Excluded
- Pre-existing medical conditions, as outlined in your policy documents
- Incidents related to drug or alcohol use
- Non-emergency treatment that can wait until you return home
- Expenses that are payable under any other source (travel insurance is considered secondary)
- Injuries or sickness that occurs in the 48-hour waiting period if you purchase a policy after you leave your home province
- Situations outside of the limits, terms, and conditions of coverage stated in your policy
Maximum Coverage Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Interruption: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per item limit of up to $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Interruption: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Interruption: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per item limit of up to $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Interruption: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD Get a quote |
How to Make a Travel Insurance Claim
Hopefully, you’ll have a smooth vacation and won’t need to use your travel insurance benefits. But even by being overly cautious and planning ahead, unexpected situations such as sickness and injuries can happen. A survey showed that 40% of travellers have experienced medical issues when travelling abroad.
If you have a World Nomads Travel Insurance plan, and experience a sudden, unforeseen circumstance due to a covered risk, 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 buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Can I buy travel insurance after I’ve already left home?
Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online from almost anywhere in the world.
-
When does my coverage start if I buy travel insurance after departure?
If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from almost 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 (as shown on your policy certificate). Your departure date will be 12.01am local time on the date that you are originally scheduled to start your trip as shown on your policy certificate. Also, after an event has occurred, such as a natural disaster, you can’t be covered for that specific event. New events may still be covered, but if you’ve bought your policy after a storm is named we won’t be able to cover you for losses related to that storm.
-
Are there any restrictions if I buy travel insurance after departure?
Yes. If you purchase a plan while already travelling, certain restrictions may apply — such as waiting periods or known events (like if a storm is already coming your way). There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. There are also pre-existing medical condition exclusions that apply to medical conditions and/or symptoms that existed prior to your policy start date. Always review your plan details to understand what is and isn’t covered before you buy. If you have any questions, contact us and ask.
-
Why should I buy travel insurance if I’m already on my trip?
Even if you’ve already left home, travel insurance may help with unexpected events like medical emergencies, stolen gear, or trip interruptions.
-
Can I use my travel insurance coverage while travelling within Canada?
Yes. Your travel insurance plan from World Nomads is valid if you are travelling outside of your home province.
-
Am I required to have a GHIP if I am travelling?
You must have Government Health Insurance Plan (“GHIP”) coverage in your home province for your entire trip to be eligible for the maximum emergency medical benefit limit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
-
If I’m on a trip and want to stay longer, can I extend my policy?
If you’re having fun and want to stay travelling longer, you may apply for an optional policy extension, as long as you haven’t made a claim and don’t have a reason to make one.
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)
Worldwide 24 hour Emergency Assistance
Wherever you are, we’re there to help!
- As featured in:
As featured in:
Emergency Assistance for New Zealanders
24 hours a day, 7 days a week
If it's an emergency, such as a serious injury, sudden illness, an accident or hospitalisation, contact our Emergency Assistance team as soon as possible. Our Emergency Assistance Team are available 24/7, 365 days a year.
From New Zealand & Overseas:
+61 2 8263 0470
+61 2 8292 1470
Within Australia (free call):
1800 611 210
SMS: +61 4 1720 4602
Email: assist@worldnomads.com
Not a kiwi? Find the right Emergency Assistance team:
Be prepared.
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
- 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
Worldwide 24-hour Emergency Medical Assistance
Wherever you are, we’re there to help!
- As featured in:
As featured in:
Emergency Medical Assistance for travellers from the UK
For policies purchased on or after 27 June 2024:
Emergency Medical Assistance: 24 hours, 7 days a week
Phone (from anywhere in the world): +44 (0) 144 444 2021
Email: worldnomads.assist@collinsoninsurance.com
For policies purchased before 27 June 2024:
Emergency Medical Assistance: 24 hours, 7 days a week
Phone (from overseas): +44 (0) 20 3093 1750
Email: worldnomadsassist@axa-assistance.com
Not British? 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.Toes caught in bike spokes
I was riding my bicycle along a remote stretch of road with my son on the back on a child seat. Somehow my son managed to get his toes through the frame of the bike and his foot caught in the spokes and brought the bike to a sudden stop. His foot and ankle were completely twisted around and facing backwards, his shoe and sock had come off and all the skin had been flayed off his ankle and heel – it looked like there was bone visible. My mobile phone would not work so I went to a nearby house where the 96-year-old owner called the ambulance. When the ambulance came they immobilized the foot and ankle and took us to the hospital. The emergency room could not determine whether it was a fracture in the growth plates or a severe sprain so they splinted it and referred my son to an Orthopedic doctor.
Emergency Assistance for Canadian Residents
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help
- As featured in:
As featured in:
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, a cancelled flight, or a natural disaster, they’re the among the first people you’ll want to call. 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)
Medical Emergency Email: medicalsp@travelguard.com
For non-medical emergency assistance or customer services inquiries, please contact:
Phone: +1 877 328 2528 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Non-medical emergencies or customer service Email: infoCAN@worldnomads.com
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)