Travel insurance when Kayaking or Rafting
Everything the Irish need to know about travel insurance for Kayaking & Rafting
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Travel Insurance when Kayaking or Rafting
Paddling on a velvet lake at sunrise — or holding your nerve over gripping whitewater, Irish travellers love the action of life on the water. From beginner to expert you’ll find your flow on one of the world’s great waterways on your next kayaking or rafting adventure.
- Rafting and Kayaking activities: Is cover available?
- What’s covered?
- Why consider travel insurance when I’m going kayaking/rafting?
- What’s not covered?
Rafting and Kayaking activities: Is cover available?
Both our Standard and Explorer Plans offer many of the same benefits including cover for Level 1 sports and adventure activities such as kayaking, sea kayaking, canoeing, and for river boarding for grades 1-3 and whitewater and blackwater rafting for grades 1-5 as long as you’re with a fully qualified and licenced guide.
Make sure you specify all the activities you have planned for your trip when you get your quote - you can’t add them afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.
As much as we would like to offer insurance for every scenario, unfortunately that is not possible.
Note: we won’t cover any loss, claim or expenses relating to or arising from damage to any sporting equipment while in use, and not for loss, damage, or theft of any sporting equipment left unattended.
What’s covered?
Whether you’re taking a leisurely paddle through the French countryside with the family, or facing off against the roaring Salmon River in the US, both our Standard and Explorer Plans offer cover for the unexpected if your next kayaking or rafting trip hits troubled waters.
World Nomads offers cover (up to the policy limits) for:
- Overseas emergency medical treatment for sudden injury or illness.
- Overseas emergency medical evacuation and/or repatriation back to Ireland if required.
- The non-refundable costs of curtailing your trip if you must return home early due to a sudden injury to you, your immediate relative or travel companion.
- The Explorer Plan offers cover when official ‘Avoid All or All But Essential Travel’ advice is unexpectedly issued for your destination after you’ve received your Certificate of Insurance (and within 7 days of your departure), which causes you to cancel your trip.
- Reimbursement or replacement of lost, stolen or damaged baggage or personal items (including your passport) up to the benefit limits. Remember to keep copies of your original receipts if you need to make a claim.
- Replacement costs of buying essential clothing and toiletries if your checked-in baggage is delayed for more than 24 hours (keep those receipts).
- Our family policies can cover 2 adults and up to 6 children under 18. Plus plans can be extended (Single Trip only) while still travelling for up to 12 months from your original departure date (conditions apply).
You may also have access to World Nomads Coronavirus cover for certain events. Our plans offer:
- Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with Coronavirus (COVID-19) while overseas
- Cover is offered for some Coronavirus-related events, such as cancellation following certification from a medical practitioner that you are too ill to travel due to COVID-19.
Note: please read your Policy Wording carefully as benefit limits, conditions and exclusions apply; as Coronavirus cover varies depending on your country of residence and the plan you’ve chosen.
Why consider travel insurance when I’m going kayaking/rafting?
If your luck changes and you are injured or get sick, the World Nomads 24/7 Emergency Medical Assistance Team is here to help you. Call the emergency medical assistance team as soon as possible in the event you know you will be admitted as an inpatient for at lesat one night so we can direct you to the nearest medical centre. In the worst case we may be able to preapprove the costs of your emergency evacuation to the most appropriate facility for your care. We may even bring you back home to Ireland to recover (if it's deemed medically appropriate).
Traveller’s Tip: Irish residents please keep in mind that you’ll first need to contact your private medical insurance (PMI) provider (if applicable) and follow its emergency medical procedures and claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, contact our 24/7 Emergency Medical Assistance Team before incurring medical costs.
Before you cast off, check that our Emergency Medical Assistance Team can reach you if you get into trouble. Remember if you (or someone in your party) do not contact us before your emergency medical and transport costs are incurred, this may affect your cover.
What’s not covered?
Some things we don’t cover include:
- Any pre-existing medical conditions as explained in your Policy Wording.
- Grades higher than those noted in the Policy Wording; extreme or hazardous activities (other than those listed) or locations.
- Not using a professional qualified and licenced guide or operator where required.
- Speed boating on white water or outside coastal waters.
- Any search or rescue operations to find or rescue you from a life-threatening situation.
- If you refuse to be repatriated or evacuated for treatment where it is recommended by our Emergency Assistance Team.
- Unattended baggage or personal items.
- Loss or expenses that relate to or arise from being under the influence of drugs or alcohol.
- The policy excess that is payable per person per insured event.
Traveller’s Tip: before you launch your vessel, check the International River Grading of the river you’re on so you won’t invalidate your policy cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Kayaking & Rafting: travelling smarter and safer
Here at World Nomads, we love to find ways to help you enjoy your travels: from travelling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!
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 teamTravel insurance when kayaking or rafting
Everything international travelers need to know about travel insurance for Kayaking & Rafting
- As featured in:
As featured in:
Travel Insurance for Kayaking and Rafting
Exotic sunsets, the water lapping at your bow; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking/rafting adventure.
- Rafting and Kayaking activities: Is cover available?
- What’s covered?
- Why consider travel insurance when I’m going kayaking/rafting?
- What’s not covered?
Rafting and Kayaking activities: Is cover available?
While you’re busy making waves, it’s good to know both our Standard and Explorer plans offer cover for level 1 sport and adventure activities such as kayaking for grades 1-3, sea kayaking, snorkeling or stand up paddle boarding.
If you’re planning more adventurous activities, you need to upgrade your cover for activities such as white water and black water rafting (grades 1-5 only), river boarding (grades 1-3 only), ), jet skiing (grades 1-2 only) or canyoning. Simply specify all the activities you have planned for your trip to get the correct level of cover when you get your quote, as you can’t add activities afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.
As much as we would like to offer insurance for every scenario, unfortunately that is not possible. We won’t cover any loss, claim or expenses relating to or arising from damage to any sporting equipment while in use, and loss, damage or theft of any sporting equipment left unattended.
What’s covered?
If you are injured or become ill, having travel insurance can help with unexpected medical costs. Depending on your Country of Residence and the plan you choose, World Nomads may offer cover (up to the policy limits) for:
- Emergency medical: overseas emergency medical expenses at a hospital or medical center if you suffer an unexpected injury or illness while kayaking/rafting.
- Evacuation: approved overseas medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Assistance Team.
- Trip cancellation: if a sick or injured close relative or travel companion has put a stop to your trip, you may be able to recover related cancellation or curtailment expenses.
- Gear protection: had your phone snatched or camera stolen? Your plan may help with replacing belongings swiped from under your nose. You’ll need a police report to submit with your claim along with copies of the original receipts and supporting documentation.
- Lost or damaged baggage cover: both our plans offer cover if your transport carrier loses or damages your baggage or personal items, including your travel documents (up to the benefit limits). Remember to keep copies of your original receipts if you need to make a claim.
- Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan offers cover for essential items you purchase while you’re waiting for your baggage (keep those receipts).
Depending on your country of residence and the travel insurance plan you choose, you may also have access to Coronavirus coverage for certain events. Some of our plans offer:
- Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with Coronavirus (COVID-19) while overseas;
- On the Explorer Plan, cover is offered for some Coronavirus-related events, such as cancellation following your diagnosis of coronavirus
Note: Please read your Policy Wording carefully as benefit limits, conditions and exclusions apply.
Why consider travel insurance when I’m going kayaking/rafting?
Spills and thrills are part of the fun, but if that Huggy Bear rapid wasn’t so soft after all, our World Nomads 24/7 Emergency Assistance Team can help direct you to the nearest medical center to get treatment for any injuries. For general out-patient treatment (that’s unlikely to exceed US$725), keep all your receipts so you can make a claim under your policy for reimbursement.
The big enchilada to having travel insurance is if you need emergency medical evacuation, which can leave you with an enormous bill. Contact the Emergency Assistance Team so we can preapprove the costs of your emergency evacuation to the most appropriate facility for your care. We may even bring you back to your country of residence to recover..
Before you cast off, check that our Emergency Assistance Team can reach you if you get into trouble. Remember if you (or someone in your party) do not contact us before your emergency medical and transport costs are incurred, this may affect your cover.
What’s not covered?
Some things we don’t cover include:
- Any pre-existing medical conditions as explained in your Policy Wording.
- Grades higher than those noted in the Policy Wording; extreme or hazardous activities or locations.
- Not using a professional qualified and licensed guide or operator where required.
- Any search or rescue operations to find or rescue you from a life-threatening situation).
- Speed boating on white water or outside coastal waters.
- If you refuse to be repatriated or evacuated for treatment where it is recommended by our Emergency Assistance Team.
- Damage to sporting equipment while in use.
- Unattended baggage or personal items.
- Misuse of alcohol or drugs to the extent that it impairs your health or faculties, or your judgement is seriously affected.
- Exploratory expeditions, or mountaineering expeditions or activities in Antarctica, the Arctic or Greenland.
- The policy excess payable per person per insured event.
Traveler’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Kayaking & Rafting: traveling smarter and safer
Here at World Nomads, we love to find ways to help you enjoy your travels: from traveling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!
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 teamTravel Insurance for COVID-19
Canadians may have coverage for medical expenses if COVID-19 prevents travel
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At a glance
- Travel insurance coverage for COVID-19: COVID-19 is treated as any other sickness and not excluded from World Nomads Travel Insurance plans for Canadian residents
- Emergency medical coverage: Emergency medical benefits may help if you need to see a doctor and get treatment for COVID-19 while travelling
- Travel disruptions caused by COVID-19: All single trip and annual multi-trip plans may help with travel disruptions such as trip cancellations or interruptions, if your doctor medically restricts you from travelling with COVID-19
- ‘Cancel for Any Reason’ upgrade available: An optional ‘Cancel for Any Reason’ upgrade is available for the Explorer and Epic plans offered by World Nomads
- Why should you consider travel insurance for COVID-19?
- What May Be Covered for contracting COVID-19
- Exclusions
- Maximum Limits for COVID-19
- Our Tips for Staying Healthy Before and During Your Trip
- FAQs
Why should you consider travel insurance for COVID-19?
According to the World Health Organization (WHO), there have been over 779,000,000 reported cases of COVID-19. While it’s not as scary as it was in 2020, the number of cases continues to grow. Data from 2026 shows that a large percentage of those new cases are from Europe and the Americas. If you are diagnosed with COVID-19 before your planned trip, and it results in medical restrictions that force you to cancel it, trip cancellation coverage may reimburse you for unused, prepaid, non-refundable travel expenses (such as flights, hotels and excursions).
If you become sick with COVID-19 while on your trip, your Government Health Insurance Plan could be limited when you travel outside of your province, and may only pay a small portion, if any, of your medical expenses. Travel insurance for medical emergencies may cover medical expenses if you need to see a doctor or get treatment. If you aren’t able to get the care you need at your destination, emergency medical evacuation benefits may even help you get to a place where you can get care (up to maximum limits as shown in your policy documents; subject to pre-approval by the 24/7 Emergency Assistance Team). In short, your travel insurance plan treats COVID-19 the same as any other sickness.
What May Be Covered for contracting COVID-19
Exclusions
- Cancelled trips due to fear of travelling and getting sick (unless you purchased the optional ‘Cancel for Any Reason’ coverage)
- Non-essential medical treatment
- Pre-existing medical condition(s) as explained in your policy documents
- Medical emergencies that happen while travelling in your home province
- An epidemic or pandemic
Maximum Limits for COVID-19
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Emergency Evacuation and Repatriation: Up to $250,000 CAD Trip Cancellation: Up to $2,500 CAD Trip Interruption: Up to $2,500 CAD Get a quote |
Emergency Medical Expenses: Up to $5,000,000 CAD Emergency Evacuation and Repatriation: Up to $500,000 CAD Trip Cancellation: Up to $10,000 CAD Trip Interruption: Up to $10,000CAD Get a quote |
Emergency Medical Expenses: Up to $10,000,000 CAD Emergency Evacuation and Repatriation: Up to $750,000 CAD Trip Cancellation: Up to $15,000 CAD Trip Interruption: Up to $15,000 CAD Get a quote |
Emergency Medical Expenses: Up to $5,000,000 CAD Emergency Evacuation and Repatriation: Up to $500,000 CAD Trip Cancellation: Up to $10,000 CAD Trip Interruption: Up to $10,000 CAD Get a quote |
*You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
Our Tips for Staying Healthy Before and During Your Trip
- Before your trip, check out the Canadian government’s travel advice for your destination.
- Wash your hands with soap and water.
- Use an alcohol-based hand sanitizer.
- Avoid close contact with people who are sick.
- Pack disinfectant wipes and wipe down high-touch surfaces, including airplane armrests.
- Have a copy of your travel insurance plan saved in your phone. Save the phone number for the 24/7 Emergency Assistance Team as well. Hopefully you won’t need to use it, but if you have a medical emergency related to COVID-19 or other illnesses, you’ll want to have it easily accessible.
What to do if you have an emergency related to COVID-19 while overseas
It’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time you get sick until the time you're well again.
So that our emergency assistance team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are and/or your cell phone number
- The nature of your problem
- Your location
- Don’t forget to save all documentation related to your medical emergency, including medical reports, receipts, etc. You’ll need those if you plan to make a claim.
FAQ
Here are our most frequently asked questions about cover for coronavirus. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Would a COVID-19 diagnosis be covered by travel insurance?
World Nomads single and multi-trip plans for Canadian residents may provide
coverage for specified benefits if your trip is affected by COVID-19.
These benefits may include medical expenses, emergency medical evacuation and trip interruption coverage if you contract COVID-19 while travelling and a doctor certifies you are too sick to travel.
You may also be eligible for trip cancellation coverage for unused, prepaid, non-refundable travel expenses (such as flights, hotels and excursions) if you, your travel companion, a close family member or business partner are unable to travel, as certified by a physician, and it prevents you from leaving on your trip.
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Do I still need a Government Health Insurance Plan while travelling?
You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
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Can I cancel my trip because I’m afraid of exposure to COVID-19?
A fear of travelling is not considered a covered reason for cancelling a trip. However, if you’re concerned that you may want to cancel the trip because of COVID-19 (or any reason at all), you may want to consider purchasing the optional ‘Cancel for Any Reason’ coverage. This allows you to cancel for a wider range of reasons than those included in your trip cancellation benefits, but ‘Cancel for Any Reason’ coverage isn’t automatically included. It’s an optional add-on for Canadian residents. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid and non-refundable deposits and payments you made towards your cancelled trip (up to policy limits).
When you get a quote for a World Nomads Travel Insurance plan within 15 days of making your initial trip deposit or payment, and you choose the Explorer or Epic plan, you’ll see the additional option to add -on ‘Cancel for Any Reason’ coverage. This must be added at the time you purchase your plan, and you’ll need to pay an additional premium. If you have any questions, reach out to our team, and they’ll be happy to assist.
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Can I buy travel insurance for COVID-19 when I’m already travelling?
Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online from almost anywhere in the world.
If you purchase a plan while already travelling, though, certain restrictions may apply. For example, there is a 48-hour waiting period before you have emergency medical coverage for injuries or sickness. There are also pre-existing medical condition exclusions that apply to medical conditions and/or symptoms that existed prior to your policy start date. Travel insurance won’t help you if you purchase it after you’ve been diagnosed with COVID-19. Always review your plan details to understand what is and isn’t covered before you buy. If you have any questions, contact us and ask.
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What happens if I get COVID-19 overseas while I’m travelling alone and I’m in the hospital?
Just because you’re travelling alone doesn’t mean you have to deal with a medical emergency by yourself. If you’re admitted to the hospital because of COVID-19 (or any covered medical emergency) for three or more days during a solo trip, travel insurance for overseas medical emergencies may cover the cost for someone to travel to be with you during your time of need. In addition to a plane ticket, travel insurance may also cover their costs for things such as hotel accommodations and meals for up to 10 days (up to maximum limits).
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Should I get ‘Cancel for Any Reason’ travel insurance?
That’s up to you, but if you think there’s a possibility that you may want to cancel your trip because of fear of contracting COVID-19 (or for any reason that’s not listed as one of the covered cancellation reasons in your policy documents) you may want to consider it.
The ‘Cancel for Any Reason’ travel insurance benefit isn’t automatically included, but it’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% (up to policy limits) of prepaid, unused, non-refundable deposits and payments you made towards your cancelled trip, as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate. When you get a quote for travel insurance, you can compare your coverage options. If you have any questions, contact us and ask.
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What types of medical expenses may be covered if I have COVID-19?
If you have a medical emergency due to COVID-19, or any illness or injury, you may be covered for a variety of expenses (up to maximum limits shown in policy documents), including:
- Physician costs
- Hospital costs
- Prescription medication
- Tests needed to diagnose your condition
- Ambulance transport
Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance tips for solo, couple, or family trips abroad
Check out our travel insurance travel tips to be prepared for each travel scenario.
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As featured in:
To travel is to live, according to Danish author Hans Christian Andersen, who understood that visiting new places and cultures expands the mind and broadens horizons. At World Nomads we know that travel is a joy at any age, whether you’re traveling alone, as a couple or as a family.
Here’s a handy guide for global adventuring no matter what part of your life’s journey you’re on, whether you're single, in a couple or traveling with your family.
- How World Nomads travel insurance can help singles
- How World Nomads travel insurance can help couples
- How World Nomads travel insurance can help families
How World Nomads travel insurance can help solo travelers
When you’re headed overseas on your own, the experience can be empowering and the freedom to make your own decisions exhilarating. However, enthusiasm aside, it’s always a good idea to take sensible precautions, especially if this is your first time traveling alone.
Top tips for traveling singles:
Travel insurance can be a safety net for the solo traveler, such as helping to replace stolen belongings and lost luggage. As soon as you notice an item is stolen, report it to local police and your carrier and get a copy of the report. Understand that you won’t be covered if you have left belongings unattended, even if they’re in a locked vehicle.
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Pack light: don’t make yourself a target by traveling with heavy bags, which could slow you down or make you rely on others to help you. And keep receipts of all your belongings if you intend to make a claim.
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Be aware: always be aware of your surroundings, particularly people nearby who may be watching you a little too closely. A pickpocket or thief can strike as soon as you’ve left your valuables unattended. And keep receipts for all your valuables if you intend to make a claim.
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Duplicates: make copies of all your travel documents, including passports and itineraries, as well as emergency contact details (including those of your travel insurer). If you’re caught up in a crisis, contact our 24/7 Emergency Assistance Team and leave your contact details with your hotel. The team can help you get back on track when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat you if you’re sick or injured.
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Leave copies: make sure your family back home has a copy of your itinerary and where you’ll be staying along the way.
How World Nomads travel insurance can help couples
Traveling with a friend or romantic partner can be a life-changing experience that can either make or break the relationship. Traveling can deepen the friendship or the romance and lay a foundation for a lifelong connection.
Travel insurance offers protection for unexpected events occurring before and during your trip. Buying a couple’s policy can sometimes be cheaper than buying two individual policies, so get a free quote from World Nomads to compare the costs and benefits.
Travel insurance may be one of the most important things to consider packing when heading overseas. If one of you loses your footing and sprains an ankle while hiking up Mount Sinai (easily done on the 3,750 steps of Repentance!) travel insurance could help with the cost of evacuation to a medical facility where you can receive treatment or (in a worst case scenario) if you need to be repatriated back to your country of residence.
Depending on your country of residence and which one of our plans you’ve chosen, if you’ve suffered a sudden illness or injury, or there’s been a death overseas, we’ll reimburse the reasonable expenses (up to the amount shown in the Summary of Cover) for your travel buddy to travel to and/or remain with you in hospital and/or accompany you (or your remains) during your repatriation home.
Always make sure you purchase the correct level of activity travel insurance, for example if you’re planning an extreme hike we offer different levels of cover depending on the elevation. Equally, you may want to consider some activity upgrades, say, if you’ll be kayaking, scuba diving or mountaineering. If only one of you plans to tackle more adventurous activities, it might be more efficient to buy separate policies.
Make sure you read your policy wording, and double check the cover available for your activities, as you may need to upgrade your plan to get the cover you need. You can also talk to us if you need help.
Taking out insurance for two people traveling together can be complicated especially if the couples reside in different countries, and are taking a trip together. If this is the case, check the policy eligibility for your respective countries of residence, check when the cover starts and ends, and make a note of any time zone differences.
How World Nomads travel insurance can help families
Traveling with children can add an extra level of stress to any holiday. Keeping track of bags, belongings, AND children can be challenging, especially when you’re rushing to catch a connecting flight, train or bus.
A World Nomads family policy will cover one or two adults and their financially dependent children or, on some policies, their grandchildren.
At least one of the traveling adults must be the legal guardian of the dependents and they must normally reside together. If the adults and the children live in different countries, they may need to purchase individual policies.
Travel Insurance Tip: Whether you have one dependent or seven it’s important that you know who we mean by ‘dependent’ (for example, the age of your dependent(s) at the time of purchasing your policy) as it may vary depending on your Country of Residence. Definitions and cover conditions are outlined in your policy documents, and you can also check out our family travel insurance article for more details.
Note: always check your policy for any excess that applies, and understand that the excess may apply per person per event.
The need for emergency medical care is one of the most common reasons for purchasing family cover. World Nomads policies offer cover for medical care overseas when you or your children get sick or have an accident. Also, if you suddenly fall ill or are injured while traveling and your dependent child needs help traveling home, we may assist with the cost of another adult traveling to you to bring the child home.
For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all 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 travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
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?
- 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 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
- Luggage lost?
- Airline lost your gear?
- 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 teamTravel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
With a total of 26 UNESCO-listed heritage sites to explore, including Zacatecas, Chichen Itza and National Park of Palenque, as well as stunning coastline, and great food and music, Mexico has every type of activity to help Irish travellers unwind or get the adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However Irish travellers shouldn’t be deterred from experiencing one of the world’s most amazing cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If your airline loses your luggage or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the local police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the local police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Can I travel to Mexico?
Always make sure you’ve done your research on any country you’re planning to visit as there may be Irish government imposed travel restrictions in place. If you decide to travel to a country where the Department of Foreign Affairs (DFA) has advised ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ to a particular country or part of a country then your World Nomads policy will not offer cover for the reasons for which the warning was given.
For the most up-to-date info on travelling to Mexico and other countries, go to the DFA website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning and drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced Irish traveller. That’s why our 24/7 Emergency team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatments if needed to make sure you are given proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our Emergency assistance team.
If something goes wrong, such as robbery, accident or illness we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on travelling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips article may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Though both our Standard and Explorer plans include benefits for scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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 medication?
- 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
- Hurt abroad?
- Need to get to a hospital urgently?
- Default text
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
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 teamTravel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
- As featured in:
As featured in:
From the lush jungles and ancient ruins of Palenque to the UNESCO World Heritage listed, Guanajuato City, famous for its cobbled streets and colonial architecture, Mexico has every type of activity for British travellers whether you want to wind down or get your adrenaline pumping.
- Baggage theft in Mexico
- Can I travel to Mexico?
- Travel insurance for medical emergencies in Mexico
- Is there travel insurance for scuba diving?
Despite its incredible natural wonders, Mexico can also be a dangerous place, especially if you don’t know the language or end up in the wrong part of town. However British travellers shouldn’t be deterred from experiencing one of the world’s most interesting and friendly cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance cover.
Baggage theft in Mexico
If your airline loses your luggage or you’re exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Medical Assistance team can try (where possible) to help you negotiate the local administration.
If something goes wrong, such as a robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical assistance;
- Emergency medical evacuation or repatriation when necessary;
- Luggage and personal belongings cover;
- 24-hour Emergency Medical Assistance.
If you need more tips on travelling abroad during COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Can I travel to Mexico?
Remember to always research any country you’re planning to visit as there may be UK government imposed travel restrictions in place. If you decide to travel to a country that the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or against all but essential travel then your World Nomads policy could be restricted.
For the most up-to-date info on travelling to Mexico and other countries, visit the FCDO website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.
Travel insurance for medical emergencies in Mexico
Many of us have been guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly so don’t rely on your own instincts or the Internet to get medical advice.
These kinds of emergencies can take down even the most experienced British traveller. That’s why the services of our 24/7 Emergency Medical Assistance team are essential. Our team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatment if needed to make sure you are getting proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient);
- Out-patient treatment (no hospital admission);
- Emergency dental treatment to relieve immediate pain;
- Outpatient physiotherapy when prescribed by a medical practitioner;
- Specialist counselling services if you suffer psychological trauma;
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Both our Standard and Explorer plans include benefits for scuba diving, each plan excludes certain types of diving or dives beyond a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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
- Are you or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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 medication?
- 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
- Hurt abroad?
- Need to get to a hospital urgently?
- Default text
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
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 teamTravel Insurance when on a Road Trip
Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance
- As featured in:
As featured in:
One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
While Ireland may be a top destination for a road trip, many Irish travellers are keen to explore the world. Maybe you’re dreaming of cruising the South Coast of Italy, driving in Australia’s Outback or town-hopping along the Pacific Coast Highway in California. Whatever road you plan, it’s always a good bet to have travel insurance just in case an unexpected setback puts the brakes on your trip.
What are the benefits of insurance while travelling the open road?
One of the best things about a road trip is the freedom to explore at your own pace, on your own terms. Travel insurance is designed for many modes of transport, and there are many reasons why it’s important while you’re on the road.
What's covered for road trips abroad?
- Sudden trip cancellations
Has your road trip ended before it started? An unexpected illness, or perhaps the Department of Foreign Affairs (DFA) has issued a travel warning advising against ‘All Travel’ or ‘All But Essential Travel’ to a specific region or country? The cancellation benefit is for certain insured events and may allow you to cancel your trip and recover your pre-paid, non-refundable deposits when an emergency happens. Check out more about the benefits of cancellation cover to know what you may be covered for.
- Unexpected medical emergencies on the road (overseas only)
Your health and safety are our priority when you’re getting behind the wheel and travelling to new destinations. Especially if your injuries are beyond minor bumps and scratches and you end up in hospital. Our plans include emergency evacuation coverage for medical transfer to an appropriate medical facility when needed. If you’re accidentally injured or suddenly become ill while on your road trip, our 24/7 Emergency Medical Assistance team is on hand to help you. Always check the maximum benefit amount specified which is outlined in in your Policy Wording.
- Emergency medical assistance at any hour of the day
When you’re in an unfamiliar place (especially a country where you don’t speak the language), it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24-hour Emergency Medical Assistance team to support you in a crisis. When you need urgent medical attention, our Emergency Medical Assistance team can help you out wherever you’re travelling.
4. Road trip interruptions and delay
There’s nothing worse than spending a lot of money on a big trip only to lose everything if something unexpected throws a wrench in your plans. Trip disruption coverage can help salvage your pre-paid, non-refundable trip expenses you’ve forfeited because of an insured event that disrupted your travels after you left Ireland. You will need to purchase the Explorer plan to access certain trip disruption and travel delay benefits. Check out our Help Centre article on what to look out for when it comes to trip disruption.
You may also need help getting your trip back on track. If you get delayed by more than 12 hours, you may need to pay for a hotel or a meal as you catch up to your itinerary. Check your Policy Wording for any conditions you need to meet: your delay might need to be a certain number of hours, (more than 12 hours for Irish travellers) and be caused by an insured event. Check out our Help Centre article which has information on delayed and missed flights.
5. Protection for stolen belongings and baggage
You may have camping gear in your boot or sunglasses in your glove compartment. Thieves can be crafty enough to dodge security measures and get into locked spaces. You can make a claim for reimbursement of your stolen items, up to a per item and total maximum limit. Please note, if the baggage is stolen from a vehicle, there must be visible evidence of damage and forced and violent entry into the vehicle and/or locked compartment, which is confirmed by a police report. Always keep any proof of ownership, age and value of your belongings. And keep any receipts for items you buy on your trip in case you need to make a claim.
What isn’t covered for a road trip?
Some of the main exclusions include:
- Pre-existing medical conditions. Read your Policy Wording for more details.
- Loss, theft or damage to your personal belongings to the extent you’re entitled to compensation from the carrier, other service provider or anyone else.
- Medical treatment that can wait until you return to Ireland.
- Select personal belongings, such as bicycles and tobacco-related products.
- Any other reason listed under the section exclusions in your Policy Wording.
Need some road trip inspiration?
Check out these World Nomads road trip articles:
- How to Road Trip the Australian Outback Safely
- 4 Lesser-Known Canada Road Trip Ideas for Your Next Adventure
- Is it Safe to Drive in Costa Rica? Road Safety Tips
- 5 Safe Driving Tips for a Winter Road Trip in Europe
The policy isn’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.
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medication?
- Suddenly sick?
- Accidentally injured?
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
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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 teamTravel Insurance when on a Road Trip
Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance.
- As featured in:
As featured in:
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
The benefits of travel insurance on a road trip
One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Travel insurance is designed for modes of transport, and there are many reasons why it’s important for road trips. There are ways travel insurance can help you while on the road, here are some examples:
What's covered for road trips abroad
- Sudden trip cancellations
Has your road trip ended before it got going? Our cancellation benefit is for certain insured events and may allow you to cancel your trip and recover your pre-paid, non-refundable deposits when an emergency happens. Check out more about cancellation cover to know what you may be covered for.
- Unexpected medical emergencies on the road (overseas only)
Your health and safety are our priority when getting behind the wheel and travelling in new destinations. Especially if your injuries are beyond minor bumps and scratches and you end up in hospital. Our plans include emergency evacuation cover for ambulances or transfers to an appropriate medical facility when needed. If you’re accidentally injured or suddenly become ill while on your road trip, our 24/7 Emergency Medical Assistance team is on hand to help you. Always check the maximum benefit amount specified in your Policy Wording.
- Emergency assistance at any hour of the day (overseas only)
When you’re in an unfamiliar place (especially a country where you don’t speak the language), it can be hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24-hour Emergency Medical Assistance team to support you in a crisis. When you need urgent medical attention our Emergency Medical Assistance team can help you out wherever you’re travelling overseas.
- Trip disruptions and delay
There’s nothing worse than spending a lot of money on a big trip only to lose everything if something unexpected throws a wrench in the works. Trip disruption cover can help salvage the pre-paid, non-refundable trip expenses that you forfeited because of an insured event that disrupted your travels after you’ve left the UK. Please note, you may need to purchase the Explorer plan to access certain trip disruption benefits. Check out our Help Centre article on what to look out for when it comes to trip disruption.
You may also need help getting your trip back on track. If you get delayed by more than 12 hours, while overseas, you may need to pay for a hotel or a meal as you catch up to your itinerary. Check your Policy Wording for any conditions you need to meet: your delay might need to be a certain number of hours, (more than 12 hours for UK travellers) or be caused by an insured event. Check out our Help Centre article which has information on delayed and missed flights.
- Protection for stolen belongings and baggage
You may have camping gear in your trunk or sunglasses in your glove compartment. Thieves can be crafty enough to dodge security measures and get into locked spaces. You can make a claim for a reimbursement of your stolen items, up to a per item and total maximum limit. Please note that if the baggage is stolen from a vehicle, there must be visible evidence of damage and forced and violent entry into the vehicle and/or locked compartment, which is confirmed by a police report. Always keep any proof of ownership, age, and value of your belongings. And keep any receipts for items you buy on your trip in case you need to make a claim.
What isn’t covered by travel insurance on your road?
Some of the main exclusions include:
- Pre-existing medical conditions. Read your Policy Wording for more details.
- Loss, theft or damage to the extent you’re entitled to compensation from the carrier, other service provider or anyone else.
- Medical treatment that can wait until you return to the UK
- Select personal belongings, such as bicycles and tobacco related products.
- Any other reason listed under the section exclusions in your Policy Wording.
Need some road trip inspiration?
Check out these World Nomads road trip articles:
- How to Plan a Safe Road Trip During COVID-19
- How to Road Trip the Australian Outback Safely
- 4 Lesser-Known Canada Road Trip Ideas for Your Next Adventure
- Is it Safe to Drive in Costa Rica? Road Safety Tips
- 5 Safe Driving Tips for a Winter Road Trip in Europe
The policy isn’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.
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medication?
- Suddenly sick?
- Accidentally injured?
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
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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 teamTravel Insurance for Digital Nomads
Protecting UK travellers’ tech gear on the go
- As featured in:
As featured in:
Ahhh, the life of a British digital nomad…the world’s literally your workplace. But even the idyllic life of working in coffee shops and beachside huts can present risks. What would your work life look like without your laptop or phone? Stolen or damaged tech, and even sudden illness can derail your plans—and your productivity. Travel insurance could protect your lifestyle, both personally and professionally.
- Why should I consider travel insurance when travelling as a digital nomad?
- Does travel insurance for digital nomads cover my tech?
- What are the benefits of World Nomads travel insurance when working abroad?
- What's not covered by travel insurance for digital nomads
- Frequently asked questions
Why should I consider travel insurance when travelling as a digital nomad?
As a UK-based digital nomad, life abroad offers endless freedom, but it’s not without risks. Your tech gear’s crucial to keeping you connected, and an unexpected setback—like a stolen laptop in Bangkok—can disrupt the entire flexcation experience. With travel insurance, you can keep working from anywhere, knowing you have a backup plan for any adventure (or misadventure) that comes your way.
Does travel insurance for digital nomads cover my tech?
Imagine editing a video from a scenic spot in Bali, only to have your gear damaged in a sudden downpour, or losing your phone during a busy layover in Tokyo….not ideal, right? From shooting content on the go to managing client calls abroad, your digital workspace deserves to be protected, because well…it’s paying for your downtime play.
World Nomads offers two policies—Standard and Explorer—that may cover reimbursing your tech devices if they are stolen, lost or damaged while under your supervision. Both policies provide coverage for a wide range of valuables and gadgets, including:
- Photographic equipment
- Binoculars, telescopes
- Computers and/or accessories (including laptops, games and gaming consoles)
- PDA’s and tablet devices (including iPads and eBooks)
- Video cameras
- Audiovisual equipment (including portable speakers and headphones)
- DVD players
- Mobile phones
- Drones and satellite navigation devices.
Travellers tip: Always hang onto your receipts—hard copies or digital—for any gadgets you buy before or during your travels. They’ll come in handy if you need to make a claim. And don’t forget to make copies of your travel documents, ID cards, credit cards, and any other important info you’re taking on the road.
What are the benefits of World Nomads travel insurance when working abroad?
Medical Coverage and Emergency Medical Assistance
Being a digital nomad means being free to roam but also being prepared for the unexpected. World Nomads offers emergency medical coverage (up to £5,000,000 Standard Plan and £10,000,000 Explorer Plan) for when life throws you a curveball—from hospital visits to urgent care, and even repatriation back to the UK if necessary.
Cover for more than 150 sports and activities
Life shouldn’t be all work and no play, especially when the world is literally your playground. If you’re a Brit who loves chasing thrills during work breaks, picture this: co-working at Dojo Bali and then stepping straight onto Echo Beach for a quick surf session. Heaven, right? With World Nomads, there is cover available for more than 150 sports and activities—just in case those waves get a bit gnarlier than expected. Just be sure to select the right policy to cover the level of activity you’ll be participating in, and declare at the point of sale.
Annual Multi-Trip (AMT) Policy
Our Annual Multi-Trip (AMT) Policy offers the flexibility that frequent movers crave. Imagine working from a Parisian café one week, then logging into a Singaporean co-working space the next—all covered under one travel insurance policy. It’s the perfect fit for digital nomads who thrive on short, globe-hopping adventures. But if your plans involve staying in one place for a longer stretch, a Single Trip policy might be the way to go. Not sure which option suits your working holiday best? Compare Annual Multi-Trip vs Single Trip Travel Insurance here.
Air Doctor
World Nomads Powered by Air Doctor offers digital nomads seamless access to a global network of trusted medical professionals. Through the Air Doctor app, you can effortlessly locate and book appointments with qualified doctors who speak your preferred language, ensuring you receive timely medical care wherever your work takes you. This free service enhances your travel experience by.removing the need to navigate foreign healthcare systems for non-urgent medical issues.
Smart Delay
Flight delays are a hassle, especially when you’re a digital nomad flying out of Heathrow or Manchester, juggling work commitments and travel plans. With Smart Delay, you’ll gain access to the airport lounge if your flight is delayed by 90 minutes or more—perfect for unwinding, grabbing a bite, or catching up on work comfortably.
Travellers tip: Cyberattacks and identity theft are real threats when you’re on the move. Keep your data safe: use strong passwords, encrypt your laptop, and install antivirus software, skip public Wi-Fi where you can.
For more digital nomad tips, check out our article, 6 Travel Tips for Digital Nomads. Or if you’re ready to pack the geat and go, get a quote today and make that digital nomad dream a reality.
What's not covered by travel insurance for digital nomads?
Sorry, but even the best travel insurance has its limits. Here’s what’s not on the list:
- If you leave your gadgets (like laptops, phones, cameras, or tablets) unattended in a car, boat, tent, camper trailer, or with a common carrier, it’s on you (you need to protect it, mate).
- Electronic malfunctions (you can take that up with the manufacturer).
- Theft or damage incurred when your valuables and gadgets are checked in with your luggage.
- Items you can't prove that you own (for example, you don't have a record of purchase).
- Didn’t file a report with local authorities or venue reps when something got stolen or lost? We can’t help with that claim.
This is not a complete list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re unsure if something is covered or how to claim it, contact us, and we’ll let you know.
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 digital nomads travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in a foreign country.
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If my electronics have an expired warranty, can I claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation is the amount deducted from your overall claim based on wear and tear of the item. The amount can depend on the type of item and how old it is.
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Why won't you cover my tech devices if they're checked in with an airline
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 can file a claim but still need to show proof of ownership. Read our Help Center article for more info on what to do if you don’t have documentation.
Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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If anything positive has come out of the COVID-19 pandemic it’s that people are looking for new ways to work while travelling. If you’re planning on leaving Ireland and adopting the digital nomad lifestyle then, as well as your laptop and passport, you may want to pack travel insurance just in case the unexpected happens.
Travel insurance: how are my electronics covered?
Our policies offer cover for a wide range of gadgets including:
- Photographic equipment
- Binoculars
- Telescopes
- Computers and/or accessories (including laptops, games and gaming consoles)
- PDA’s and tablet devices (including iPad’s and eBooks)
- Video cameras
- Audio visual equipment (including portable speakers and headphones)
- DVD players
- Mobile phones
- Drones and satellite navigation devices.
How much we cover your items for depends on your plan. We cover:
- When your gear is stolen when its under your supervision
- Tech devices destroyed by a fire or a natural catastrophe
Note: depreciation and wear and tear will be considered when calculating the claim settlement value of your electronic items (depreciation will not be applied to items listed as 'high value items' and you have paid the additional premium).
Whether you’re plugging into your social network or working remotely in a hub, we can help you protect your valuables and devices. Our six tips could help you travel safely and keep your gear secure.
- Tip 1: keep receipts: Always keep receipts (hard or digital copies) of any gadgets bought before and during your travels in case you need to make a claim. You should also make copies of your travel documents, ID cards, credit cards, and other personal information that you’re taking with you on the trip.
- Tip 2: get proof in writing for any lost or damaged gadgets: If a common carrier (e.g. airline, bus company or hotel) has lost, delayed or damaged your gear you must notify them right away and get a record of the incident to support your claim. Our 24/7 Emergency Medical Assistance team may be able to help you negotiate the local administration if you don’t speak the local language.
- Tip 3: report theft to the local police: If your baggage or valuables are stolen, you need to report ASAP to the local police authority and to the common carrier, service provider or any other local authority. If you don’t, it could affect your claim.
- Tip 4: protect your devices: With cyberattacks now commonplace, make sure your devices are protected to secure sensitive work data, banking details and more. Your laptop should be encrypted with strong passwords, a lock screen, and with antivirus or anti-malware software. Avoid using public WIFI hotspots, and never leave sensitive information or devices in your rental car or an unattended hotel room. If you must leave anything behind, make sure it is locked up in a safe.
- Tip 5: use a digital nomad visa: As the Covid-19 pandemic encouraged the remote working trend, many countries are offering digital nomad visas (a document or program that gives a traveller the legal right to work remotely while residing away from their country of residence). Countries offering digital nomad visas include - Costa Rica, Portugal, Estonia, and Malta, and the list is growing
- Tip 6: prepare for trip delays: As a digital nomad you may be travelling between places by air or road or both. Travel insurance can help if your flight is delayed by more than 12 hours.
Does my 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?
Some of the main exclusions include:
- When you leave your gear unattended
- Electronic malfunctions (you can take that up with the manufacturer)
- Theft or damage incurred when your valuables and gadgets are checked in with your luggage
- Items that you can't prove 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 apply. Please read your Policy Wording carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
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 valuables and gadgets. 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 value, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged. They are also targets for theft.
-
What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.