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Protect Your Next Adventure With World Nomads Travel Insurance

Simple and flexible travel insurance. Buy at home or while traveling and claim online from anywhere in the world.

Get a price

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Why choose World Nomads Travel Insurance?

While planning your next adventure, it's a good idea to consider travel insurance for any unexpected travel mishaps.

World Nomads travel insurance has been designed by travelers, for travelers. We have travel insurance plans for every type of traveler whether you’re going on a single trip, need only the basics with our Standard plan, want a little bit extra cover on our Explorer plan, or need cover for a number of trips across 12 months on our Annual Multi Trip plan.

Coverage and plan availability will depend on your country of residence.

Key benefits of World Nomads Travel Insurance:

24/7 Emergency Medical Assistance: Help is always available, no matter where you are.
Overseas medical coverage: We can help cover your hospital bills, doctor visits, emergency medical evacuation or repatriation back home if required.
Trip cancellation or interruption: We offer cover for reimbursement of your unused trip costs if your plans suddenly change due to a last-minute cancellation or a trip interruption.
Lost or stolen luggage: Cover for your personal belongings and valuable gear when they go missing or are stolen.
150+ adventure activities, sports and experiences: You could be covered for snow sports, water sports, bungee jumping, scuba diving, trekking, and many more.

Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.

Buy cover while traveling

If you're traveling and want to travel longer, World Nomads lets you buy more cover to keep you on the road.

24/7 Emergency Assistance

Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.

Cover for 150+ Adventure Activities

At World Nomads, we love to explore our boundaries when we travel, so we've worked for over ten years developing one of the longest lists of covered activities.

Donate to local communities

We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.

How does World Nomads Travel Insurance work?

Purchase before or during your trip: Get coverage at any stage of your travels.
No long-term commitment: Buy coverage for just the duration of your trip.
Claim online: Fast claim processes, even while you're abroad.
Learn how to prepare for your trip with Travel Wiser. Get travel tips and download guides in Explore. Read the latest travel alerts, or get the answers to common questions in our Help Centre.

A true claim story

Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.

L. De Jesus,
U.S. resident in Spain
I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely

A.Brennan,
Australian in Thailand
Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.

K.McMahon,
Australian in Thailand
I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.

T.Ryan,
Canadian in Malaysia

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)

*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

We cover more than 150 activities you love + more

Here are several activities under each category that World Nomads love to do:

Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.

Snow

Water

Air

Land

Sports

Experiences

Scuba diving
Mountain biking
Surfing
Bungee jumping
Skiing

Snow

Bobsledding
Ice Hockey
Ice Skating
Kite Wing
Skiing
Snowboarding
Snow kiting
Snowmobiling
Tobogganing

Water

Canoeing
Kayaking
Paddle Boarding
Sailing
Scuba Diving
Snorkelling
Surfing
Tubing
Windsurfing

Air

Aerial Safari
Ballooning
Bungee Jumping
Hang Gliding
High Diving
Hot Air Ballooning
Passenger in a commercial aircraft
Skydiving
Tandem Skydiving
Zip Line

Land

Bushwalking
Camel Riding
Camping
Caving
Hiking
Orienteering
Motorbiking
Mountain Biking
Trekking

Sports

Baseball
Basketball
Cricket
Fencing
Go Karting
Golf
Hockey
Tennis
Ultimate frisbee
Volleyball

Experiences

Childcare work
General farm work
Hospitality
Restaurant
Teaching
Fruit Picking
Admin work
Office work
WWOOFing

All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available for residents of all countries, states or provinces.

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 team

Frequently asked questions

What is travel insurance and why do I need to consider it?
Travel insurance is designed to protect you from financial losses you could incur prior to or while traveling. The cost of travel insurance will depend on a range of factors; some of these include:
- Your age
- The length of trip
- Your chosen destination(s)
- Number and age of travelers
- Activities you may have planned, such as snow sports
World Nomads travel insurance can help protect your next trip when you’re getting ready to explore the world. Get a quick online quote in just minutes!

Learn more about travel insurance and what you should be aware of before you purchase.

What does World Nomads travel insurance cover?
World Nomads offers travel insurance plans tailored to meet the diverse needs of our global travellers. Depending on your country of residence and the plan that you have selected, you could be covered for:
- Overseas medical expenses
- Lost or stolen baggage
- Personal belongings
- Trip cancellations
- Coronavirus-related events
- Over 150 activities, sports and experiences
- Natural disasters
Are there any exclusions or limitations to travel insurance coverage?

As much as we would love to cover every single unexpected event or unforeseen scenario that happens when traveling, unfortunately we cannot do that. World Nomads has specific terms and conditions, exclusions and limitations clearly stated in all our policy wordings. Here are just some of the main exclusions to be aware of:
- Overseas medical expenses: Travel insurance offers cover for overseas dental and medical expenses, but terms and conditions apply depending on your country of residence and plan selected.
- Travel warnings: If you travel to a destination with a 'Do not travel' warning from your home country’s government body, you won't be covered.
- Existing medical conditions: Existing medical conditions may not be covered unless specifically stated as covered in the policy wording.
- Adventure activities: There are specific exclusions, limitations and conditions for many of our activities and sports.
- Change of mind: Simply changing your mind or reluctance to travel isn't covered.
- Unlawful acts: Any losses arising from unlawful or dishonest acts won't be covered.
Always refer to the specific terms, conditions, limitations and exclusions of your policy wording to understand the full scope of coverage. Always ensure you buy the right policy that aligns with your travel plans and needs. If you need more information visit our Help Centre, or get in touch.

Can I buy or extend with World Nomads travel insurance while overseas?
With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere, we are happy to extend your policy if it's done before the end date shown on your Certificate of Insurance. If you buy a policy while traveling overseas, there may be a waiting period before your cover is activated. Learn more about buying while traveling here.

Does World Nomads cover adventure activities?
Yes, with World Nomads travel insurance you have access to 150+ activities, including trekking, skiing, rock climbing, scuba diving and more. Please be aware that there are specific terms, conditions, and exclusions when selecting certain activities and sports. Always read your policy wording carefully.

How do I file a claim?
Making a claim is a straightforward process designed to assist you during unforeseen circumstances while travelling. Here’s a step-by-step guide:
1. Report the incident: Contact us as soon as possible after the incident occurs. Provide details about what happened and gather any necessary documentation, like police reports or medical records.
1. Sign in: Sign into your World Nomads membership. Use the links to 'Make a claim' once signed into your membership dashboard.
1. Submit documents: Depending on your claim type, you may need to submit documents such as medical bills, receipts for additional expenses, or proof of trip interruption or cancellation.
1. Follow up: Stay in touch with us and provide any additional information we may request promptly. This will help expedite the claims process.
1. Review your policy: Familiarise yourself with your policy's terms, conditions, limitations and exclusions to understand what's covered.
Remember, the sooner you initiate the claim and provide all required documentation, the quicker your claim will be processed. Always keep your policy details and emergency contact numbers handy when travelling.

Can I cancel my travel insurance policy and receive a refund?
World Nomads offers trip cancellation coverage for unforeseen events but it will depend on your country of residence and the type of travel insurance plan you’ve chosen. If you have to cancel your trip for a covered reason, our travel plans may help save you money and time, but if you don’t have insurance, you could be paying for a trip you were unable to take and experience many more headaches.

If you decide that you don’t want to travel or can’t travel due to unforeseen events, you can cancel the policy up until the day before you start your trip, and a refund will be considered, provided:
1. You haven’t started your trip;
1. You haven’t made a claim; and
1. You don’t want to make a claim or exercise any other right under the policy.
All you need to do is sign into your membership, choose your policy and follow the links to cancel before your policy Departure date. If you need to cancel, you may contact World Nomads.

Please note that on a single trip policy, we don't refund any unused portion of your premium if you return home early for any reason. On Annual Multi-Trip policies, you may request a refund for any unused period premium but refunds available will vary depending on your country of residence.

Will travel insurance cover pre-existing medical conditions?
World Nomads does not offer cover for medical conditions which exist before you buy or extend your policy. However, there are over 40 medical conditions that we may offer cover for depending on your country of residence. In some cases, some pre-existing medical conditions which exist at the time you buy your policy and where you meet specific requirements may be automatically covered.

Carefully consider your medical history, as well as the health of your close relatives, others in your traveling party and anyone else, as your and their conditions (past or present) may affect your trip and travel insurance cover. Terms, conditions, and exclusions apply. You can always reach out and contact us if you have any questions.

Am I covered for countries other than the ones I list on my policy?
To make sure you’re covered for all the countries you’re planning on travelling to you must select them all when you purchase your travel insurance with World Nomads.

If you’ve already started travelling and are considering a side trip to a country other than those you specified, there are a few things you should know.

When you get a quote, you need to select the countries you plan to visit, as you won't be able to add any countries after you have purchased a policy. If you try to add a country that we don’t cover (e.g. Iraq, North Korea, Sudan), you won’t be able to continue with your quote. If you choose certain regions like ‘Asia’ or ‘Worldwide’, rather than individual countries, please note there may still be some countries excluded from coverage; for example, due to sanction exclusions in the policy wording.

‘Do Not Travel’ government travel warnings can be issued or changed without notice at any time, so always check the status with your relevant government body before you buy a policy and before you pay anything towards your trip, either deposits or the full amount.

How can I contact customer support for assistance with my travel insurance policy?
If you're travelling overseas and need assistance with a claim, an emergency or need to ask us a question about coverage for your policy, reaching out to World Nomads is easy. Our experienced emergency assistance case managers and friendly claims and customer service staff will be there to aid you 24 hours a day, 365 days a year.

All you need to do is get in touch with us as soon as you have experienced an emergency. We have all the contact details below, whether it's over the phone, SMS or email.

Find the right Emergency Medical Assistance team:

Insure your trip in three easy steps

Travel insurance for independent travelers and their families. Simple, flexible trip insurance for international or domestic travel. Buy and claim online from anywhere in the world.

Start your quote

Tell us your travel details including where, when and who is traveling. Make sure to add all destinations and include travel dates from the day you leave, to the day you return.

Choose a plan

Select the activities and benefits that you'll need for you, your partner or your family.

Finalize your purchase

Once you’ve purchased, we’ll send your policy details to your chosen email, or you can access it via your account.

Get a quote

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Claim online

Travel insurance that's easy to claim on from anywhere in the world.

Start your claim

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How to successfully submit a travel insurance claim in five simple steps

Hey there, fellow nomad! So, you've had an unexpected hiccup during your journey, and now you're wondering how to navigate the process of submitting a travel insurance claim. Don't worry; we're here to help!

As an experienced travel insurance provider with over 25 years’ experience in the travel insurance industry, we have paid out thousands of claims.

We know it's not an exciting process, but it is crucial. We're here to guide you through it in five simple steps, ensuring you get the support you need when you need it the most.

How to submit a travel insurance claim in five simple steps

Step 1: Know your policy

Before diving into the claim process, it's important to familiarize yourself with your travel insurance policy. Take some time to review the coverage details, including what's included and what's not. This means reading your Certificate of Insurance once you have purchased a policy and that email hits your inbox. Understanding your policy will help you determine if your situation is eligible for a claim.

Step 2: Gather your documents

Now that you're ready to make a claim, gather all the necessary documents to support your case. This may include:

Copies of your travel itinerary and booking confirmations
Receipts for any expenses incurred due to the incident (e.g., medical bills, accommodation, transportation)
Police reports or incident reports if applicable
Medical certificates or documentation from healthcare providers
Any other relevant documentation related to the incident

Step 3: Submit your claim online

Making a claim is as easy as a few clicks! Visit our website and navigate to the claims section. You'll need to log in via the World Nomads’ member portal and find the online form where you can enter all the required information and upload your documents. Be sure to provide accurate details to expedite the processing of your claim. If you can’t login through the member portal, then you can contact the Claims Services team who can take your claim details over the phone, email or fax.

Step 4: Follow-up as needed

Once you've submitted your claim, keep an eye on your email inbox for any updates or requests for additional information from our claims team. Promptly respond to any inquiries to ensure the smooth processing of your claim. We're here to assist you every step of the way!

Step 5: Stay patient

While we strive to process claims as quickly as possible, some cases may require additional review or verification. We appreciate your patience while we work diligently to resolve your claim. We're committed to providing timely assistance and support throughout the process.

Get a quote from anywhere 24/7

With World Nomads you can Get an instant quote anytime, anywhere, before you leave home or while you’re on the road.

Tips when submitting a travel insurance claim:

Do: provide complete and accurate information when submitting your claim. Submit your claim forms and supporting documents promptly to avoid any delays in processing.
Do: keep copies of all documents and correspondence related to your claim for your records. Ensure that all documents and information provided in your claim forms is accurate and truthful to avoid any complications or potential denial of your claim.
Do: inform us as soon as possible after the incident occurs to initiate the claims process.
Do: stay in communication with us throughout the claims process and promptly respond to any requests for additional information.
Do: follow the instructions provided by us regarding the claims process, including any required forms or documentation.
Do Not: delay in submitting your claim or providing requested information, as this may prolong the process. Follow up regularly to ensure progress.
Do Not: attempt to falsify or exaggerate claims, as this can result in denial of coverage.
Do Not: assume that every expense will be covered by your travel insurance policy. Review your policy carefully to understand what is covered and what is not covered.
Do Not: ignore exclusions listed in your travel insurance policy. Understand what is excluded from coverage to avoid surprises during the claims process.
Do Not: assume that your claim will be denied without understanding the reasons for denial. Seek clarification from the claims team if necessary.

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.

Ready to make a claim?

Now that you know the ropes, it's time to act! If you find yourself in a situation where you need to make a claim, follow the five simple steps outlined above.

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How we helped when this nomad got their ribs fractured in the USA.

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How we helped when this nomad got their camera taken in Thailand.

Want all the details?

You can compare the Standard and Explorer plans and prices by getting an instant online quote.

Watch Anton's true claim story

I fell on my side and heard the sound of a dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.

Anton, World Nomads customer from Iceland

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

The claims process for World Nomads was painless and really intuitive

I was pickpocketed while in Mexico City and had my new iPhone 6S stolen, as well as my credit card and drivers license. The claims process for World Nomads was painless and really intuitive, logging everything online. The resolution was extremely fair and would be happy to recommend World Nomads to anyone.

Australian Nomad in Mexico.