Travel Insurance for Stolen or Lost Passports
How travel insurance could help if your passport is stolen while traveling.
- As featured in:
As featured in:
- What's covered by World Nomads travel insurance if my passport is stolen?
- What to do if your passport is stolen while traveling
- What’s not covered by World Nomads travel insurance?
Having your passport stolen can cause significant interruptions to your trip. While you can easily replace a stolen pair of shoes or a t-shirt, it is much more complicated to replace a passport.
Some of our travel insurance policies can come in handy with your emergency passport expenses, and others can help with related expenses such as rearranging your trip while you wait for your replacement or cancellation if your trip can't go ahead.
What cover does World Nomads travel insurance offer if my passport is stolen?
| Your country of residence | Pre-trip Cancellation | Emergency Passport while traveling | Extra costs while you're delayed | 24 hour emergency assistance |
|---|---|---|---|---|
| Australia | ||||
| Brazil | ||||
| Canada | ||||
| Ireland | ||||
| New Zealand | ||||
| United Kingdom | ||||
| USA | ||||
| All other countries |
Important: Depending on the policy you buy and your Country of Residence, there are terms and conditions, limitations, and exclusions that will apply. Your policy wording will always have the full details of what you’re covered for. If you have questions about what's covered and not covered, just ask us.
What to do if your passport is stolen while traveling
Here are the steps to follow if your passport is stolen while traveling:
Step 1:
If your passport is stolen, you must, as soon as possible, notify your government’s nearest passport office or report the loss to the nearest diplomatic or consular mission. You must provide us with copies of all documentation provided by the government agency.
Step 2:
Report the passport theft or loss to the police as well as to the common carrier, service provider or other local authority (e.g. tour operator/accommodation/travel provider manager or security personnel) as soon as reasonably possible after discovery. If you do not comply with this condition, it may impact your ability to make a claim under this policy.
Step 3:
Provide a copy of the full, written police report of what has happened with your claim. If in exceptional circumstances you cannot notify the local police or other appropriate authority (i.e. due to imminent departure), you must notify the 24/7 Emergency Assistance Team or us as soon as reasonably possible.
What’s not covered by World Nomads travel insurance?
- If you leave your passport behind
- If you don’t take proper precautions to protect your passport
- If you don’t obtain a written police report if it's stolen
- If customs or another government body confiscates your passport
- A new passport - cover is to get you an emergency passport, not the full replacement cost
The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
How to get assistance if your passport is stolen.
It’s essential that you get in contact with the 24/7 Emergency Assistance team as soon as possible so that our teams can help you navigate local laws and advise you on how to get your replacement passport.
So that our 24/7 Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Passport stolen during dinner with friends.
My handbag was stolen when I was having dinner with friends. In my bag was my passport, and as I had to apply for an emergency passport, and then another visa, in order to leave China. I had to cancel the flight I had booked.
Claim Paid: $1112.22
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about lost or stolen passports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Is there an excess/co-pay if I need to claim for a stolen passport?
Most policies come with an excess/co-pay. Check your policy to find out what's applicable.
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Will you pay upfront for my passport replacement?
No. You'll need to need to pay for it and then lodge a claim for your expenses.
-
What assistance can your emergency assistance team provide me?
They can guide you to the nearest embassy, give you their contact information, and help you report your loss.
-
Will my policy be automatically extended if my passport is stolen before I can return home?
Some policies will roll on. However, not all policies will roll on for the full period it takes to get home.
Travel Insurance for the Schengen Area
Get the travel insurance you need for your Schengen visa
- As featured in:
As featured in:
- I need a Schengen visa. What does World Nomads travel insurance cover?
- Do I need travel insurance to visit any countries in the Schengen Area?
- Coronavirus and travel to EU countries
- Need extra info on Schengen visa and other visa requirements?
The Schengen Agreement allows residents of certain European countries to travel freely around the Schengen Area as though it's a single country. For travelers from other countries, you need to get a valid Schengen visa to do the same. Before you can get your visa, you'll need valid and adequate travel insurance.
I need a Schengen visa. What does World Nomads travel insurance cover?
The minimum coverage a travel insurance policy must have for the Schengen visa is €30,000. This is to cover any expenses that might arise if you suddenly and unexpectedly require, such as:
- Urgent medical treatment
- Hospitalization
- Out-patient care
- Medical evacuation
- Return of your remains home.
All World Nomads travel insurance policies offer cover for these benefits, although the limits vary and may not meet the visa requirement, depending on your Country of Residence. When you go to get a quote, it’s a good idea to match up the coverage limits with your visa requirements.
Make sure that your travel insurance is valid for the entire period of your stay (or transit) in the Schengen area. Our travel insurance policies are easily bought online, so you can buy what you need when you need it. Visa limits may change.
Coverage depends on your Country of Residence and varies between plans.
Do I need travel insurance to visit any countries in the Schengen Area?
A key requirement for getting a Schengen Visa is to have travel insurance covering you in all states in the Schengen Area. The easiest way to do this is to consider travel insurance. You can easily get a quote with World Nomads which offers two plans, Standard vs Explorer.
Not all travelers require a Schengen Visa to travel to the Schengen Area, as some countries including the USA, Mexico, Brazil, Australia, and Canada have visa-free arrangements with the Schengen Zone. However, it’s still recommended you buy travel insurance should something go wrong on your trip, such as, your bags go missing or you have valuables stolen, you suffer an injury, your trip is canceled or delayed, or you may need cover for more than 150 activities, sports, and experiences.
If you are planning to travel to more than one Schengen country or want to be flexible with your itinerary, it is also a great way to ensure you are covered in the majority of countries in Europe.
Coronavirus and travel to EU countries
As Coronavirus (COVID-19) continues to cause disruptions to international travel plans, even if you do have a Schengen visa, you may not be able to enter certain countries in the EU if travel restrictions or a travel ban is imposed due to a COVID-19 outbreak.
Many EU member states may also require international travelers to undergo a polymerase chain reaction (PCR) test and test negative, and to quarantine on arrival. It is always a safe bet to check government websites for any last-minute travel bans or warnings and the World Health Organization (WHO) website for any COVID-19-related updates.
As always, you should spend some time researching the countries you are intending to travel to, as there may be a ‘Do Not Travel’ warning put in place at a moment’s notice or quarantine and vaccination requirements could be imposed.
Need extra info on Schengen visa and other visa requirements?
We have compiled some of our most read articles that cover many questions and have the latest information regarding Schengen visa requirements and other visa information. See below:
- New Entry Requirements for Travelers to Europe in 2024
- Travel insurance for Europe
- Tourist visas
- European Travel Information and Authorization System (ETIAS) explained
The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
World Nomads' Schengen Visa letter
Depending on the Schengen country where you are applying for the visa, they may ask you for a letter from the insurer. If this is the case, feel free to contact us and we’ll provide this to you. There will be a couple of days turnaround time, so take this into consideration when you're planning your trip.
We're not able to sign any third party documentation to confirm coverage.
The letter we provide will state that you have a current and valid travel insurance policy and outline your:
- Policy number
- Issue date
- Start date
- End date
- Applicable benefits
Visa Denied
My mother in law did not qualify for the Schengen Visa to Europe. We have to claim for cancellation.
Claim denied - Sorry, that's not a valid reason to cancel.
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance and Schengen Visa. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
-
If I need a confirmation letter to support my visa, how long does that take?
It takes 2 to 3 days for the team to send a letter to you once they've received your request.
-
Will you be able to sign supporting documentation for me to say the insurance meets my needs?
We don't sign any third party forms. Our documentation reflects what the policies cover.
-
If my visa gets rejected, can I get a refund on the policy?
If the policy is outside the policy refund period, then there are no refunds for the unused portion of your policy.
-
Can I claim for cancellation if my visa is rejected?
None of our policies cover cancellation if your visa is rejected.
Travel Insurance for Natural Disasters
Find out how earthquakes, volcanoes or tsunamis may be covered by travel insurance.
- As featured in:
As featured in:
- What’s covered for natural disasters
- What’s not covered by travel insurance in the event of a natural disaster?
- Claims process made simple
- FAQ’s
Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation and cancel trips. While natural disasters are unpredictable, some give off enough warning so you're not caught off guard.
While you can’t control the weather, you can do your part to insure yourself against unexpected weather events. If you don’t want to risk it, you should consider travel insurance on your next trip just in case it gets cancelled, or you become stranded overseas and need to pay for additional accommodation and flights.
What’s covered
If you’re affected by a natural disaster, you may be able to make a claim for:
- Trip cancellation: You must do what you can to minimize your expense (which may mean cancelling your booking) and notify us as soon as possible within seven days.
- Trip interruption: You can make a claim for pre-paid, non-refundable travel arrangements that you haven’t been able to use, such as flights and other types of transportation, tours and hotels.
For World Nomads policies that do cover natural disasters in one way or another, you'll need to have bought a policy before the natural disaster event is known and do everything you can to minimize your expenses.
For example, if you’re a UK resident, you’ll be covered for reasonable additional accommodation (room only) and transport costs (Economy Class) you incur during your trip, if you’ve taken out the Explorer plan and you:
- Cannot use your booked accommodation during your trip due to a natural catastrophe.
- If you need to move to the nearest place of safety due to a natural catastrophe.
Always read the policy wording as you go through the purchase path, as there are terms and conditions, limits and exclusions on the cover. Cover will depend on your Country of Residence and which plan – Standard vs Explorer – you buy.
Travel insurance tip: If your destination is impacted by a natural catastrophe or severe weather then you must contact our 24/7 Emergency Assistance Team as soon as possible so we are advised of the situation. If you do not comply with this condition, it may impact what we pay you for your claim.
What’s not covered by travel insurance in the event of a natural disaster?
- If you don’t follow the advice of the authorities.
- If you hang around to watch what happens.
- If you buy a policy after an event becomes known.
For more information regarding cover for natural disaster check out our Help Center article - Am I covered for a natural disaster? Just pick your country of residence in the country picker at the top of the page to access the latest information.
Claims process made simple
In the event that you need to file a claim, we’ve created this easy to follow step-by-step guide. Be sure to gather the following documentation, as it pertains to your case:
- Proof of all non-refundable, prepaid deposits or payments.
- Complete unused transportation tickets and vouchers.
- Original receipts for any expenses incurred because of the natural disaster.
- Original receipts for any new tickets.
- Invoices and original receipts from travel service providers.
If you have any questions about how World Nomads travel insurance covers natural disasters, please contact us.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
Tsunami in Sumatra.
One night, I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about natural disasters and insurance. You can also find the answers to other questions in our Help Center.
-
Will I be covered if my trip is delayed due to a natural disaster?
If your trip is delayed due to a natural disaster, you may be covered for travel delay benefits. However, this will depend on the plan you purchased and your Country of Residence. Always read your policy to find out what is the minimum number of hours required there is for a trip delay. If a natural disaster delays your trip by the specified number of hours, your travel insurance plan can reimburse you for your reasonable and necessary prepaid trip expenses such as meals, hotel rooms, communication and transportation, up to the benefit limit of your plan.
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What if I change my mind about traveling to destination due to a possible natural disaster?
Unfortunately, you will not be covered if you cancel your trip due to fear of travel or just changing your mind. The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Why buy travel insurance
Traveling is expensive and accidents can be even more so. Get covered by World Nomads Travel Insurance.
- As featured in:
As featured in:
Understand the key parts of World Nomads travel insurance
Appendicitis in Chiang Mai.
I just wanted to let everyone know how deeply and forever grateful I am for all the help I received from World Nomads insurance in one of my more painful and scary moments of my life. I never wished or intended to EVER use my insurance, and I have never used any of the ones I had in previous travels, but this time a sudden and excruciating stomach pain forced me to the Hospital while being in Thailand (Chiang Mai Ram Hospital). I thought I would get the right antibiotic and more powerful meds through an IV and end of story. But no, the actual case was that my appendix was inflamed and infected, and the only way of dealing with this was surgery. I just couldn't believe it! So yeah, it was scary, I was alone, and they were awesome, replied right away through e-mail, which was fantastic because I did not have time to make phone calls, then alongside the International Patient Services from the Hospital, took care of everything and saved my life. I just want everyone to be aware of the importance of having insurance, and a good one, even if they think they're healthy and nothing bad is going to happen, unexpected things happen all the time, and it can ruin your fun AND your budget. I am very thankful I had my World Nomads insurance by my side, and you can be sure I will always have it on every future trip.
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 teamCompare Travel Insurance Coverage
Choose a plan from our Single Trip and Annual Multi-Trip options, depending on your needs.
- As featured in:
As featured in:
Choose the cover that best suits your needs
Whether you need cover for just the one trip or multiple over the next 12 months, World Nomads has a policy for you.
Choose between Single Trip and Annual Multi-Trip, depending on your coverage needs.
Single trip
- Explore multiple countries on the one trip for up to 365 days
- Flexibility in customising your coverage and destinations.
- Can be more cost effective compared to Annual Multi-Trip if you're a less frequent traveller
Annual Multi-trip
- Unlimited trips within 12-month period - up to 31 or 45 days each.
- Cover for both international and domestic travel.
- Convenience – no need to arrange travel insurance for each trip.
- Can be more cost effective compared to Single Trip if you're a more frequent traveller
Compare Plans
World Nomads offers two plans - Standard and Explorer - offering different benefits, limits and sub-limits of coverage.
- All
Standard Plan
Covers the essentials Everyday travel insuranceSuitable for?
Smart travellers seeking essential cover
Cancelling Your Trip
£3,000
Cutting Short your Trip
£3,000
Emergency Medical Expenses and Medical Repatriation
£5,000,000
Personal Baggage
£1,500
Baggage Delay (after 24 hours)
£100
Delay (per 12 hours / max.)
Not covered
Missed Departure and Connections Outside the UK
Not covered
Missed Departure from the UK
Not covered
Additional Transport Costs
Not covered
Explorer Plan
Higher benefit limits More insured events including travel delaySuitable for?
Travellers after higher limits & extra benefits
Cancelling Your Trip
£5,000
Cutting Short your Trip
£5,000
Emergency Medical Expenses and Medical Repatriation
£10,000,000
Personal Baggage
£3,000
Baggage Delay (after 24 hours)
£200
Delay (per 12 hours / max.)
£50 / £200
Missed Departure and Connections Outside the UK
£1,000
Missed Departure from the UK
£1,500
Additional Transport Costs
£1,000
Additional services included at no extra cost:
We cover 150 + Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGot questions?
We've got the answers
Here are our frequently asked questions regarding travel insurance. You can also visit our help centre for more FAQs.
-
Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
-
Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
-
Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
-
Can I buy travel insurance if I'm already overseas?
Yes - If you're a UK resident then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
- As featured in:
As featured in:
In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. Whether you’re plugging into your social network or working remotely in a hub, we can help you protect your laptop, smart phones and other devices.
Travel Insurance: How can my electronics be covered?
Our policies may offer cover for a wide range of gadgets: iPhones, smartphones, iPads, Kindles, tablets, cameras, lenses and laptops. But how we can cover your items (and how much) depends on your Country of Residence and the plan you have selected. With Standard and Explorer travel insurance plans to choose from, we may offer cover for:
- When your gear is stolen, under your supervision
- Tech devices destroyed by a fire or a natural disaster.
Note: depreciation and wear and tear will be taken into account when calculating the value of your electronic items.
Does World Nomads travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you leave your gear behind
- Electronic malfunctions (you can take that up with the manufacturer)
- Any damage incurred when you check your device into your luggage
- Devices older than the policy can cover
- Items that can't be proved that you own (for example, you don't have a record of their purchase).
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions may apply. Please read your policy carefully.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
Tips for Digital Nomads
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
- Make a claim at home or on the road.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price. Always read your policy wording to make sure you understand the wear and tear and depreciation terms and conditions, limitations and exclusions. If you are unsure get in touch with us.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies exclude cover where there's an electronic malfunction.
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Why won't you cover electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel insurance for Trip Resumption
Learn if we could help you get back on track after your trip's been interrupted.
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Trip resumption: what will be covered by travel insurance?
If you've had to interrupt your trip and return home because you were sick or injured overseas, or one of your close relatives has been hospitalized or has died, or a severe weather event has impacted your holiday, certain World Nomads policies offer coverage for reasonable transport and accommodation expenses to get you back on the road so that you can finish your trip.
What am I covered for if my trip has been cut short?
Every World Nomads policy will differ depending on your selected plan and your Country of Residence. As part of our Trip Interruption coverage, and depending on which plan you purchase – Standard vs Explorer - you may be covered (up to the benefit limits) for:
- An unexpected illness or injury
- A death in the family, yourself, or someone in your traveling party
- Trip interruption expenses – when a travel interruption over a certain number of hours occurs and you need to cover the essentials such as, phone, internet, refreshments or additional travel and accommodation. Terms and conditions apply.
- A missed connection
- An official government authority has issued a ‘Do Not Travel’ warning to a specific region or country and that warning was first given after you purchased the policy and after you booked the arrangements.
- You or a member of your traveling party are directly involved in a motor vehicle, railway, air or marine accident resulting in your inability to meet your connecting transport.
- Theft or damage of your or a member of your traveling party’s passport (excluding government confiscation for any reason not related to damage), travel documents or credit cards.
- Cancellation of a pre-paid, overseas tour, conference, music concert, international sporting event, funeral or wedding, or you being forced to use alternative public transport to arrive on time to attend this event.
- And many more.
You should read your policy wording carefully to understand what you will be covered for when it comes to trip interruption. Particularly the defined Insured Events, which relate specifically to the cancellation and trip interruption coverage.
Your policy still needs to be valid for the period of your resumed trip and needs to be the one that you were traveling on when you had to return home.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Am I covered if my trip is interrupted by a pandemic?
It depends on which policy you have chosen. As much as we would love to cover every possible Coronavirus (COVID-19) scenario, that‘s not what travel insurance is designed for. Some exclusions may apply for epidemics, pandemics or World Health Organization (WHO) declarations of a public health emergency of international concern. When they apply, these exclusions are outlined in your policy wording.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Trip resumption: what's not covered by travel insurance?
- Any expenses incurred while you're at home
- Expenses to get you back on your trip if you went home because you're homesick
- A business class upgrade where you've been flying budget airlines
- Resumption if your policy has expired.
This is not a full list of what's covered and not covered. There are item limits and conditions and exclusions that apply, so for more information check out our article on trip resumption and read your policy carefully before you buy.
Be prepared if you need to claim for trip resumption.
Depending on your claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors' reports/death certificates
- Medical history (ruling out pre-existing conditions)
- New flight tickets
Travel Insurance Tip: Some, but not all, of our policies offer coverage for some insured events resulting in cancellation, trip interruption and trip resumption. Please take the time to read your policy wording as there are limits on your coverage depending on your Country of Residence and which plan you buy.
Grandma in palliative care
My grandmother suffered an acute subarachnoid hemorrhage after having a fall and was subsequently placed in palliative care in November. I received a phone call to return home as my grandmother only had a few days to live according to the doctors. I returned home, and she passed away. I then recommenced my travels after her passing and funeral.
Claim Paid.
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about trip resumption and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Does my insurance pay upfront or do I have to pay and claim?
You'll need to pay and claim for your expenses to resume your trip.
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Is there an excess?
Yes, all policies which cover trip resumption have an excess.
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If my policy has expired, can I still claim for resumption?
If the policy is expired, it can no longer cover your travel expenses.
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What's considered to be reasonable expenses?
The same standard you've been traveling. So if you've been traveling on a budget airline, business class on a full carrier wouldn't be reasonable.
