Photo © Lumina/IStock

Long-term Travel Insurance

For those who aren't going home anytime soon.

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Planning to travel long-term? Don't forget travel insurance to keep up with your adventures. World Nomads has you covered with flexible travel insurance designed by travelers, for travelers.

Why Choose World Nomads for long-term travel insurance?

World Nomads offers travel insurance that’s built for those who aren’t satisfied with the ordinary. Depending on your country of residence, our plans cover trips lasting up to 12 months, allowing you to travel without worry. Here’s why World Nomads stands out:

  • Buy cover while traveling: Forgot to get travel insurance before you left? No problem. With World Nomads, you can buy or extend your cover even after you’ve started your journey (waiting periods apply).
  • 24/7 Emergency Assistance: Wherever you are in the world, our emergency medical assistance team is ready to help you when you need it most, connecting you with medical treatment, transportation, or whatever support you require.
  • Coverage for 150+ adventure activities, sports and experiences: Whether you’re backpacking through Europe, hiking the Andes, or volunteering in Africa, World Nomads covers more than 150 activities so you can push your boundaries without worrying about the ‘what ifs’.

Travel insurance benefits for long term travelers

Our policies come with loads of benefits, depending on the policy you buy. Whether you’re going on a long trip or a short trip, all of our policies provide cover for:

  • Trip cancellation and trip interruption if you get sick or injured at the last minute and need to make a change.
  • Emergency medical treatment, like an urgent visit to the doctor, medicine to help you get well, x-rays and hospital stays.
  • Emergency medical evacuation if you get really sick and need to be transported somewhere with better facilities.
  • Emergency repatriation if you need to be flown home to receive better care, or to bring your body back to your home country if you die overseas (it’s terrible to think about, but it happens).
  • Delayed, lost or stolen baggage.

Who might want to buy travel insurance for a long trip?

Travelers of all ages might be interested in purchasing a long stay travel insurance policy. Here are a few examples:

  • College students going on study abroad who want to travel in between quarters or semesters.
  • Working holiday makers and digital nomads.
  • Backpackers and road-trippers on a long-term holiday.
  • Digital nomads making the most of work and play.
  • New retirees heading out to explore the world with their newfound freedom.
  • Families traveling for the summer holidays.

How long can travel insurance cover me for?

Our policies are designed to be flexible . We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.

Depending on your country of residence, you can buy a World Nomads travel insurance policy for a maximum duration of six or 12 months.

To find out how long we can cover you for, select your country of residence and get a quote. While there, you can also compare our two plans, Standard and Explorer, and download the full policy wording before you buy.

What if I don’t know how long I want to travel for?

If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options to ensure you’re covered while you’re away:

  • Extend your policy: You can extend most of our policies online and from overseas while traveling, as long as you extend it before it expires. Terms and conditions, and limitations apply so check the policy wording details before you purchase to make sure this will suit your needs.
  • Purchase a new policy: If your policy has expired, you can purchase a new travel insurance policy while you’re still traveling. Just note that there may be a waiting period for full cover to apply (you can be covered straight away if you're injured in an accident after you buy a policy). Your policy wording will have full details to understand the cover, terms and conditions, limits and exclusions.
  • Purchase and track your policies with your World Nomads membershipA free membership gives you access to all of our great content and safety advice. And if you buy travel insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log-in before purchasing each new policy.

Tips for long-term travelers

  1. Volunteering or working abroad?
    Ensure you’re covered for the specific activities you’ll be engaging in, whether it’s teaching English, working on a farm, or volunteering at a wildlife sanctuary. World Nomads offers coverage for a wide range of volunteer and work activities, so you can focus on making a difference.
  1. Students on a gap year or exchange
    If you're a student embarking on a gap year or participating in an exchange program, long-term travel insurance is essential. It covers you for medical emergencies, trip cancellations, and even the loss of important documents like your passport.
  1. Stay connected with us
    Keep a copy of your policy details and emergency contact numbers handy. Whether it’s a sudden illness or an unforeseen event, knowing how to quickly get in touch with us can save you time and stress.

Don't let the unexpected derail your long-term adventure. Get a quote from World Nomads today.

What’s not covered by travel insurance?

All travel insurance policies have exclusions and limitations. Here are some of ours - we won't provide cover for:

  • Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect both the local laws and mores of your host countries.
  • Medical evacuation or repatriation for any incidents related to drug and alcohol abuse, or that is not pre-authorized by a physician.
  • Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.).
  • Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
  • Leaving your gear behind, or not keeping an eye on your things and they get stolen.
  • Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for medical emergencies).
  • Some pre-existing conditions, especially those not stable and controlled.
  • Cancelling your trip due to fear of travel or just changing your mind.

This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that may apply. Always read your policy carefully before you buy and make sure it’s right for you and if you have more questions get in touch.

Severed Nerve

I was opening a bag of potatoes with a knife. The knife slipped and cut my finger on my left hand. I attended the local emergency department in Aix-en-Provence at no charge (and was) referred to Clinique Axium the following day. I underwent micro surgery and had two follow up appointments at the Clinique, along with having a specialised splint made to keep my finger in a bent position to enable healing.
Claim paid: NZD $1039.13
T.P. Kiwi in France.

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
Photo © Lumina/IStock

Online Travel Insurance

Online instant confirmation for the time poor.

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There’s one thing our travelers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.

No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s a consideration, whether they be a backpacker, long term traveler or gap student.

Online Travel Insurance

All we need is some basic information on who you are, where you’re going and how long you’ll be gone for, and we’ll generate your instant quote outlining your travel insurance coverage and limitations.

To give you certainty of coverage and confidence in traveling, we’ve made sure all our online travel insurance options include:

We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.

What and where you’re covered for is very important to our travelers and if you’re already overseas it’s not too late - you can still purchase online now.

World Nomads Travel Insurance at a glance:

When considering travel insurance for your next overseas holiday, you want to know that cover will be available for all those unexpected events that may happen. World Nomads Standard and Explorer plans may offer cover (up to the benefit limits) for the following, when you need it the most:

  • 24/7 Emergency Assistance for a range of events including medical emergencies, multi-lingual assistance, and assistance with flight amendments when your trip has not gone as planned.
  • Overseas medical cover that includes cover for hospitalization, day surgery and out-patient treatment, dental cover, and visits to registered medical practitioners.
  • Cover for delayed, lost or stolen luggage and valuables. Need to cover your tech or sports gear, or travelling with a designer dress? Some plans may allow you to upgrade your cover for high value baggage and personal items.
  • Cover for some of your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
  • Cover for more than 150 adventure activities, sports and experiences. Cover for different types of types of activities such as rock climbing, snowboarding, bungee jumping, and snorkelling.
  • Cover for some Coronavirus-related events. You may be covered for trip cancellation and medical treatment while on your trip, depending on your chosen level of cover and country of residence.
  • Cover when your trip is delayed, interrupted or cancelled and you are stuck at the airport, or your trip is postponed indefinitely.
  • And much more including travel insurance content, Help centre FAQs, some crazy true claims stories, and info on travel insurance for key trending destinations and activities.

Some handy questions to ask yourself before purchasing travel insurance:

  • Will I need a visa for the destinations I am visiting? Can I travel to a specific country or region or not? Make sure you do your research on all countries and regions you are planning to visit.
  • What activities do I have planned? Ensure you have the right level of cover for your planned activities, sports and experiences.
  • How long am I travelling for? When buying World Nomads travel insurance online you’ll need to enter a start date, and end date of travel.
  • Who am I traveling with, and do they need coverage, too?
  • Does my destination have any travel insurance requirements? Some countries require foreign travellers to purchase a travel insurance policy that at least covers the medical costs associated with treating COVID-19 and other diseases.
  • Do I need any travel insurance add-ons, for example, for high value tech items and sports gear?

At World Nomads, we strive to deliver not just travel insurance cover, but also some added value through our additional services such as:

Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

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.

Did you know?

  • You can create a membership
  • Access your policy details wherever you have internet connection
  • Join a community of travelers
  • Sign up to travel advice

Traveler tip: your exact coverage benefits will depend on your Country of Residence and the plan you select, each with different policy benefits and limits to cover. Make sure you read your World Nomads policy, which explains in more detail the types of situations that are and are not covered.

Severed Nerve

While in a restaurant in Saigon, Vietnam I cut my hand on a broken glass door. I was bleeding quite a bit so we went to the hospital that night. The doctor confirmed that I cut a tendon in my hand (thumb) and will need surgery. The following day I went to the hospital and received a tendon repair surgery at HCMC Family Medical Practice.
Claim paid: USD $2376.75
B.Q.

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
Photo © Jovo Jovanovic/Stocksy

Travel Insurance for Overseas Accidents

What's covered by travel insurance when your adventure turns into misadventure.

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Whether you’re exploring on the map or hurtling off it, serious accidents can happen anywhere, anytime.

If you have a serious accident while on holiday, you will want to consider travel insurance. An unexpected accident, for example, a car accident resulting in broken bones, a serious illness that lands you in hospital, or an injury caused while hiking or doing any type of sports, could really add to the pain you may already be feeling.

Injuries resulting from an accident can be extremely costly due to ongoing medical expenses, particularly when it involves medical evacuation costs. Thinking about the benefits of travel insurance when traveling abroad could mean you can be covered appropriately, and you may save thousands of dollars.

What’s covered by World Nomads travel insurance if I have an accident overseas?

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Medical evacuation including air ambulance

Make sure you’ve read your policy wording as there are there are terms and conditions, limitations, and exclusions. Always do your research on where you’re going and what you plan to do when overseas as this will help you pick the right policy.

Note: while you may have access to health insurance for any accidents in your Country of Residence, this may not be the case when you are overseas. Please be aware that this is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.

How do I get travel insurance?

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

What’s not covered?

  • If you’re doing an activity the policy doesn’t cover.
  • A pre-existing medical condition, even if the condition recurs as a result of or is aggravated by an accident.
  • Any injury which is caused by or exacerbated by a pre-existing medical condition.
  • Any consequences of medical treatment not necessitated by an accident covered by this policy.
  • If you’ve been acting recklessly and taking needless risks.
  • If you ride a motorbike without a helmet or the correct license.

Cover for sports & activities and your sports gear

While we offer cover for over 100 sports, activities and experiences, we won’t cover you if you try to make a claim resulting from a sport or activity that isn’t covered by your policy. This can apply to cover for sports-related injuries, as well as equipment loss/damage and any personal financial losses. Make sure that each sport or activity you will be engaging in is covered by your insurance policy; if it’s not, consider upgrading your policy to ensure you are appropriately covered.

Getting urgent help while on holiday

A large number of travelers may experience some kind of trouble when holidaying overseas each year. That’s why our 24/7 Emergency Assistance team can help out when you need it the most. Our teams can guide you to the nearest hospital, set up direct payments to the medical facility, arrange medical transport, and provide support to your family back home.

Making a claim

Here are some tips that will help with your a claim:

  • Keep all travel insurance documents with you at all times while traveling. If you don’t want to carry the originals, you should make copies and take with you wherever you go.
  • Make sure you have the Emergency Assistance team’s contact details on you, so you can access them if something happens.
  • Get in touch with us before you agree to pay for any medical costs, tests, or treatments to make sure it will be covered.
  • Keep all receipts, reports and doctor’s notes with you until you return to your home country. Having these on you will be essential if you’re planning to make a claim.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.

Travel insurance tip: if you’re involved in an accident and are hospitalized or suffer an injury, you must report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) as soon as possible and provide a copy of the written evidence to verify your claim. For example, you will need a police or roadside assistance report if you are delayed after a vehicle breakdown or a road accident.

Moped Accident in Koh Tao.

I was injured in a moped accident, in Koh Tao, Thailand. The moped turned over onto my foot and I had sprained/injured ligaments and tendons in my left foot. I was unable to walk on my foot at all. The doctor gave me a bandage in lieu of a cast, and crutches, stating that I could not bear any weight on my foot for a minimum of three weeks. I was also told to rest my foot, and could not do so while traveling. I needed to come back to the US for help getting around as well as time to heal.
C.H. American in Thailand.
Claim Paid: $620.22

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)
*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.

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

FAQ

Here are our most frequently asked questions about overseas travel accidents. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

Photo © Getty Images / lechatnoir

Travel Insurance for Assault

Get the medical treatment you need after being attacked.

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Physical and sexual assault aren't something you ever want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travelers. That's why we're here to help you. While some destinations have higher incidents than others, no destination is immune.

To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.

Does World Nomads travel insurance cover assault?

If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary

Depending on the policy you buy and your Country of Residence, you may also be covered for counselling following an assault - the policy wording will have full details.

If you’re injured, hospitalised or suffer psychological trauma as a result of an assault, you, a member of your traveling party, or a friend or a close relative must contact our 24/7 Emergency Assistance Team as soon as reasonably possible to confirm cover, manage costs and any potential claim.

Our Emergency Assistance Teams have experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.

What's not covered by travel insurance?

Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk. All policies have limitations, conditions and exclusions, which are explained fully in the policy wording.

FAQ’s

Am I covered for counselling and psychologists after an assault?

If during your trip you are assaulted and suffer injury or psychological trauma, we’ll pay your expenses to visit a psychiatrist or registered counsellor overseas, up to the amount shown in the Summary of Cover.

Please note: coverage depends on your Country of Residence and on the level of cover, Standard vs Explorer, you have selected. For example, US residents are not covered for counselling under World Nomads policies.

Do I need to report the assault to the police?

If you’re a victim of an assault (e.g., a mugging or hijack) and suffer a severe injury or psychological trauma, we may cover you if the medical practitioner overseas and our Emergency Assistance team agree that it's medically necessary to repatriate you home.

Do you offer repatriation cover to go home after an assault?

If you’re a victim of an assault (e.g., a mugging, kidnap or hijack) and suffer a severe injury or psychological trauma, we may cover you if the medical practitioner overseas and our Emergency Assistance team agree that its medically necessary to repatriate you home. Cover will be up to the cost of an economy class airfare and related traveling expenses, as approved by us.

Please note: coverage depends on your Country of Residence and on the level of cover, Standard vs Explorer, you have selected.

Will I be covered for sexual assault?

You will be covered for any sexually transmitted diseases or sexually transmitted infections; however, this will ONLY be covered when contracted through an assault.

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.

What do I do if I’m assaulted overseas?

It’s essential that you contact our Emergency Assistance team as soon as possible so that they can assess the situation and then triage accordingly.

So that our Emergency Assistance Team can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number
  • The nature of your problem
  • Your location

Assault while jogging.

During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on the ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after, I was seen by group of teenagers walking nearby and they ran to help me. Those people called an ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Y.S.
Kazakhstani traveler in Australia.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*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.

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

FAQ

Here are our most frequently asked questions about assault insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.

  • What happens if I'm injured and need life support?
    That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at the best possible solution to either get you home, or get your family over there to say goodbye.
  • Can my mum come and get me?
    Where there's cover, we can send your mum over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Photo © Mixetto/IStock

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:

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 residencePre-trip CancellationEmergency Passport while traveling Extra costs while you're delayed24 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.
L.E. Aussie in China.
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)
*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.

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

FAQ

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

Photo © Getty

Travel Insurance for the Schengen Area

Get the travel insurance you need for your Schengen visa

    As featured in:

  • As featured in:

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:

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.
G.S. Canadian resident
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)
*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.

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

FAQ

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.

Photo © Dani Kancil/IStock

Travel Insurance for Natural Disasters

Find out how earthquakes, volcanoes or tsunamis may be covered by travel insurance.

    As featured in:

  • As featured in:

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.
W.H. Australia in Indonesia

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.

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

FAQ

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.
  • 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.
Photo © Lumina/IStock

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.
Chilean Nomad in Thailand.

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)
*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.

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

Compare 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:
Dedicated 24/7 Emergency Medical Assistance
Cover for 150+ adventure activities
Buy or claim while travelling
Access to doctors for non-emergency care at no extra cost

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
  • Explorer

Standard Plan

Covers the essentials Everyday travel insurance

Suitable 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 delay

Suitable 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:

Air Doctor

FREE access to trusted doctors in 78 countries via clinic, hotel, or video consults, plus local prescriptions and 24/7 support, all cashless, claimless and hassle free.

Smartdelay

Get FREE airport lounge access if your flight is delayed 90+ minutes, to over 1,700 lounges in 140 countries. Register up to 24 hours before departure.

We cover 150 + Adventure Activities you love + more

Snow
Water
Air
Land
Sports
Experiences
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase. The list is intended as a guide only and there may be restrictions on what you can do, so read the policy wording or contact us. For a more detailed list click here

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

Got 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.

Photo © Lumina/IStock

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.
C.E. Australian in Latvia.

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.

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

FAQ

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.

  • 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.