Travel insurance when visiting Great Britain
What to know when planning your British getaway.
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Ahh, Great Britain - home to the British royals, countless unique castles, stunning scenery, and a rich history, which spans from Stonehenge to Shakespeare and beyond. Before you book your trip to Great Britain - perhaps to see Macbeth at The Globe - get your travel insurance sorted, so the only drama is on stage with the actors.
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
When planning a trip to the UK the most common issues international travelers face are lost or delayed luggage, or unexpected medical issues. And now you can add Coronavirus to the list. But never fear, follow our travel tips to get the most out of your cover and your holiday in the UK.
What should I look out for when traveling to Great Britain?
Lost, stolen or delayed baggage cover
It can throw a massive spanner in the works to arrive at Heathrow and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. Petty theft is common across Europe, and you could also get your gear stolen on public transport or from your accommodation.
The good news is that all World Nomads policies offer some cover (up to the policy limits) for loss, theft or damage to baggage or personal items.
Keep in mind that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
What happens if…
- My bags are stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. Insurance won’t cover things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- My bags are delayed: you may be covered if your bags were delayed. You’ll need to report the incident and get a Property Irregularity Report (or a similar official report) in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bags are returned. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your Country of Residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Tips for keeping your luggage safe:
- Never leave your bags and valuables out of your sight and reach.
- Always carry your electronics and valuables with you and lock your gear up in a secure location when you can’t take it with you.
- Remember that if you buy anything, before or during your trip, to keep all receipts.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to the UK, overseas medical insurance is a good idea in case of an accident or sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your Country of Residence. All our policies include some level of overseas medical cover, so you can focus on your recovery if you fall ill or have an accident on your travels.
Tips for travel in the UK and Covid-19:
- It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots, even in open-air places such as Stonehenge, London’s parks and palace grounds, or when strolling through the bustling streets of Edinburgh.
- The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team around the clock
Dealing with a medical emergency in a foreign country can be frightening and confusing, but you don’t have to go through it on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, and set up direct payments to the medical facility if needed. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Great Britain
If you’re looking to get your adrenaline levels up by going hiking in Snowdonia, or camping and mountain biking in the Scottish Highlands, World Nomads offers travel insurance cover for 150+ activities and sports.
Be sure check your policy wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do. If you’re not sure whether an activity is covered, just contact us.
Are you looking for more travel inspiration for Great Britain? World Nomads has various articles that cover a range of fun topics on Great Britain or check out our articles if you need the latest safety travel alerts.
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 brief 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.
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
- 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)
True Claims Stories
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 teamVacation Rental Travel Insurance Coverage
Learn how US residents can protect their stays in vacation rentals around the world
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At a glance:
- All World Nomads plans cover losses resulting from trips where you stay in private vacation rentals, with some plans that offer higher limits of coverage.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while staying in a vacation rental.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance when staying in a vacation rental?
- Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
- What level of travel insurance coverage do I need if I’m staying in a vacation rental?
- What may not be covered when staying in a vacation rental on your trip?
- Top safety tips we recommend for staying at a vacation rental
- FAQs
Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the Caribbean and booking a beachside vacation rental on an island, or perhaps you would rather stay in a
treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes staying in a vacation rental, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for vacation rentals that may help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance when staying in a vacation rental?
Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation rental or if a hurricane keeps you from reaching your dream vacation home, travel insurance and non-insurance services designed for vacation rentals may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently when you’re staying in a vacation rental.
Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we’ve designed coverage for losses resulting from stays in vacation rentals. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when staying in a vacation rental -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans include travel insurance coverage for vacation rentals, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need if I’m staying in a vacation rental?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while staying in a vacation rental. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan also includes vacation rentals, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes travel insurance coverage for vacation rental trips, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when staying in a vacation rental on your trip?
If you leave the burner on and the kitchen catches on fire, your travel insurance coverage for vacation rentals won’t pay for those damages. It’s up to you to make sure you take care of the place while you’re there. Some other things that aren’t covered include:
- Unattended baggage, gear or personal items
- Furniture or any other items that are part of the vacation rental
- Alcohol and drug-related incidents and illegal activities
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences
- Traveling or staying in a vacation rental within 100 miles of your home
- Pre-existing conditions. You could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period and were medically able and not disabled from travel, based on the assessment of a physician, when you buy the plan. A definition of a pre-existing condition can be found in your plan document.
Top safety tips we recommend for staying at a vacation rental
- Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
- Read your rental agreement. Become familiar with anything the host has shared regarding locks, alarms, etc.
- Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t have one.
- Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
- Have emergency contact information for your host.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip (costs may apply)
- Check with the Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for vaction rentals. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can staying in a vacation rental be covered under World Nomads Travel Insurance?
Yes, where you stay in vacation rentals may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while staying in a vacation rental on your trip?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you get hurt when staying in a vacation rental and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel insurance coverage for vacation rentals online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage while staying at a vacation rental, you’ll need to purchase your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for vacation rentals overseas?
Yes, some of the best vacation rentals are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Italy, you could have the opportunity to stay in a rustic villa in a vineyard. When you get a quote for a travel protection plan that includes travel insurance coverage for trips including vacation rentals, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while I’m at a vacation rental?
If you get hurt while staying in a vacation rental, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for trips that include vacation rentals.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services when staying at vacation rentals, you could be covered for more than 250+ other sports, activities and experiences. Things like swimming, hiking and kayaking may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and vacation rentals if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase a plan with travel insurance coverage for trips that have vacation rentals, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for cool vacation rentals around the world?
Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a few of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
The Caribbean: Bungalows on Royal Island
United States: A treehouse with free-roaming alpacas in Atlanta
Italy: A rustic villa on a vineyard
Costa Rica: A luxury pool home in the jungle
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
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
- Work emergency?
- 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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 vacation rentals
Support for a canceled trip, stolen belongings, medical emergencies, and more
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As featured in:
- Why should you consider insurance when getting a vacation rental?
- Choosing the right policy for you
- What's covered by insurance when in a vacation rental?
- What's not covered?
- Tips to get the most out of your vacation rental?
Space, privacy, the comforts of a home away from home – renting a vacation home is a great way to really get to know a place, whether it’s a lakeside chalet in Switzerland or a studio in New York City. But sometimes booking from a private homeowner could add a layer of “What if?”
World Nomads travel insurance is here to help with the need-to-know details of our vacation rental coverage, so you can get on with your getaway.
Why you should consider insurance when get a vacation rental
There are lots of reasons to consider travel insurance and hopefully, the worst thing that happens when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch or experience an emergency, travel coverage can save your sanity.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.
Choosing the right policy for you
It’s important to know that we offer two insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific holiday plans.
Keep in mind that depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities and benefits you choose.
You can get a quote, make a claim, or buy a policy instantly online, even while traveling.
What's covered by insurance when in a vacation rental?
Some of the benefits on our policies for vacation rentals may include cover (up to policy limits) for:
If your trip is cancelled
If you have to cancel your vacation rental at the last second due to something such as an urgent illness, you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
If your gear is stolen
Did a thief break into your vacation rental while you were out at dinner and make off with your expensive laptop or brand new DSLR camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim and keep any copies or original receipts.)
If you have a medical emergency
You may be staying in a comfortable home, but if you suffer an illness or injury in a foreign place, it can be a daunting experience. If you need to see a doctor or go to the hospital, you can claim your medical bills; just be sure to contact our 24/7 Emergency Assistance team.
Our team is available 24 hours a day, 7 days a week, 365 days a year to help you if you experience any issues on your travels including helping you access medical care in your location, help with translation at the medical facility and arrange medical evacuation or repatriation if required.
If there is a natural disaster
Is a flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you’ve been prevented from staying there due to an unforeseen natural disaster, we’ve got a silver lining in the cloud for you: you may be reimbursed your pre-paid trip expenses (moolah you can save for your next adventure!).
Keep in mind that terms, conditions, exclusions, and limits apply, so be sure to check your policy wording carefully. If you’re not sure whether something is covered, or have any questions, just contact us.
What's not covered?
- Illegal activities and any incidents caused from being under the influence (partying is banned at most vacation rentals, anyway.)
- Loss of enjoyment. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to take Plan B into account and choose your second-choice place to stay, which will be on your own dime.
- If you travel against medical advice, or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
Tips to get the most out of your vacation rental
- Be sure to book your vacation rental home through a reputable source or website to avoid being scammed or turning up and there’s no vacation rental at all!
- Check the rules and fine print of the vacation rental. Many rental homes have rules about maximum occupancy, age requirements, party policies and pet policies. Understand what you’re agreeing to before you book.
- If something does happen on your trip – for example, your personal effects are stolen, you need to go to hospital, or your travel is delayed – make sure you get official reports, documentation, receipts and other relevant evidence to support any claims.
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. If you’re not sure if something is covered, get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamWhat to do if you’re hurt in an accident
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1. Safety first
Make sure everyone is safe. If you need immediate help, contact the local emergency services.
2. Seek medical attention
Get medical help from a doctor or hospital as soon as possible.
If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
Once you’re able to contact our 24/7 Emergency Assistance team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Depending on where you’re travelling, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know). The terms of your policy require that you use the public health system where possible, particularly when travelling in a country with reciprocal health agreements.
3. Get it in writing
Most claims need supporting documentation and medical claims are no different. So, while it may be the last thing on your mind, get copies of documents that will support your claim before you leave the medical facility such as:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of your injury.
- Hospital admission report (if you’re admitted to hospital).
- Ambulance and medical evacuation reports (if relevant).
- Provide written evidence to verify your claim, such as a An Garda Síochána report (if they were involved).
- Any other relevant documentation related to the accident.
4. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
5. Need to know more?
This information may help you when things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending what's happened, country of residency, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 teamWhat to do if your passport is stolen
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Having your passport stolen really sucks. Thankfully some World Nomads policies may help cover your extra costs while you arrange an emergency replacement passport. Here’s how.
1. Report the incident ASAP
Report the incident to the relevant authorities and get a report from them. This will include:
- The An Garda Síochána.
- Your nearest embassy, diplomatic or consular mission for your country of citizenship.
- For visas and passports from other countries – contact the relevant embassy.
- Any other relevant authorities, such as the airline, hotel or tour operator.
Travel Insurance tip: for certain countries, it is an offence not to report the loss or theft or your passport as soon as you learn of the loss. It may also affect your travel insurance cover if you don't report it as soon as reasonably possible. Contact our 24/7 Emergency Assistance team if you need help with this.
2. Arrange a replacement or emergency passport
Carefully check the process to apply for an emergency or replacement passport with the Irish embassy. You may need to attend an appointment at your nearest Irish embassy, High Commission or consulate after you’ve applied online on the Department of Foreign Affairs (DFA) website. You must provide us with copies of all documentation provided by the foreign government agency and the Ireland government. You will also need a written police report when your passport has been stolen.
If you need to travel to a different location to apply in person or collect your emergency passport, you should arrange to do this.
Travel Insurance tip: emergency passports do not permanently replace your passport. They can be issued quickly with limited validity so you can return to Ireland or continue with your trip.
3. Rearrange or cancel any affected travel arrangements
Once you’ve confirmed that any travel arrangements are going to be affected, contact any accommodation, tour, transport and other providers to rearrange or cancel any arrangements you may have. Make sure you get confirmation from them in writing of the changes or cancellation, and details of any refunds or extra fees paid.
4. Keep your receipts
If you think you'll need to claim, make sure you keep the official reports you were given and all original receipts as evidence to support your claim including your itineraries, booking and cancellation confirmations for any affected transport, accommodation and additional expenses.
5.Need to know more?
This information may help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the terms, conditions and exclusions that apply.
If you have questions about what's covered and not covered, just ask us.
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 teamWhat to do if you fall suddenly ill
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As featured in:
1. Seek medical attention
Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible.
If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
Once you’re able to contact our 24/7 Emergency Assistance team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Please be aware that depending on where you’re travelling to, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know). The terms of your policy require that you use the public health system where possible, particularly when travelling in a country with reciprocal health agreements.
2. Get it in writing
Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:
- Doctor or other medical practitioner’s report confirming your illness.
- Hospital Admission report, if you’re admitted to hospital.
- Ambulance and Medical evacuation reports if relevant.
In some cases, we may need to obtain your past medical history from your usual doctor at home but we’ll let you know if this is the case.
3. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
Cover for Irish nomads if COVID-19 derails your overseas trip
If you, a relative or someone in your travelling party falls ill due to Coronavirus, you may be covered for a number of insured events under our Medical and Coronavirus Travel Costs benefit sections.
Cover varies between our Standard and Explorer plans. If you are diagnosed with Coronavirus while overseas your benefits include:
- 24/7 access to our Emergency Assistance team, who can help you access local medical care.
- Medical costs including hospitalisation.
- Evacuation or repatriation back to Ireland if deemed necessary by us and in consultation with your attending physician.
Benefit limits apply and vary between the plans.
Our COVID-19 cover benefits have been created to give Irish travellers the opportunity to travel more securely knowing that they have the option to access a set of travel and medical benefits on our Standard and Explorer plans.
If you have purchased the Explorer Plan, cover is available for some Insured events, including but not limited to:
- Quarantine costs: If you or a member of your travelling party go into compulsory quarantine as a result of your or their diagnosis of, or confirmed close contact with a case of Coronavirus, we’ll pay for your reasonable additional travel, meals and accommodation, including in-room entertainment. (On trip)
- Childcare while in quarantine: If you are unable to take care of your children due to your Coronavirus diagnosis, we’ll pay your reasonable additional childcare costs for a registered or qualified childcare worker to take care of your dependent children who would otherwise have been in your full-time care. (On trip)
- Pet care: If you are diagnosed with Coronavirus, we will pay your reasonable additional pet care services, including kennel and cattery boarding fees or professional pet sitting services, in Ireland. (On trip)
Please note: COVID-19 cover depends on your Country of Residence and varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
4. Check your local government and international health guidelines on vaccinations
It's a requirement to stay up to date with all required vaccinations for the destination(s) you're heading to and that may include the Coronavirus vaccine among others.
Observe the Irish Department of Foreign Affairs (DFA) and government health guidelines and World Health Organization (WHO) precautionary measures, including any relevant vaccinations, hygiene or social distancing guidelines. For more about COVID-19 and vaccination tips please click here.
5. Need to know more?
This information may help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 teamWhat to do if your luggage is delayed
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As featured in:
1. Report it to your carrier straight away
Once you realise your bags are delayed, report it to the carrier (e.g. airline, tour operator) as soon as possible. For lengthy delays, you should ask them to compensate you to replace essential items you may need while you wait for your bags to be returned.
2. Get a written report
Get a written report of what’s happened from the carrier, for example a Property Irregularity Report, confirming the delay was greater than 24 hours from your arrival and any compensation they offer you.
3. Keep your receipts
Keep receipts for any essential items you buy such as toothbrushes, prescription medication or a change of clothes. Your expenses must be supported by receipts dated prior to the delivery of your delayed baggage and after 24 hours from your arrival.
Before you go shopping for an entire new wardrobe to replace your designer jeans or a new ball-gown for that special event, because you believe everything you own is "essential", there will be limits on what your policy can and cannot cover, so check your policy wording carefully or contact us. (Yes, we've seen claims like this!)
Original receipts may be necessary if you intend to make a claim and your policy covers these expenses.4. Need to know more?
This information could help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy wording will always have the full terms, conditions and exclusions that apply.
If you have questions about what's covered and not covered, just ask us.
Does my insurance cover my tech?
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 teamBuy travel insurance away from home
Get covered by World Nomads, even if you're already on the road.
- As featured in:
As featured in:
We know it can be easy to forget to buy travel insurance when planning a holiday. If you’ve left Ireland without travel insurance or your policy is due to expire and you’re still on the road, you can still purchase travel insurance with World Nomads.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while travelling, waiting periods, conditions and restrictions on cover do apply.
What is a time excess?
You may have to wait 72 hours (time excess) before any cover is activated, depending on when you purchase your policy as explained in ‘When cover starts & ends’ in your Policy Wording. This means certain benefits (such as our Coronavirus pre-trip cancellation cover) may not apply, as you’ve already left Ireland.
Our COVID-19 cover benefits have been created to give Irish travellers the opportunity to travel more securely knowing that they have the option to access to a set of travel and medical insurance benefits on our Standard and Explorer plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover depends on your Country of Residence and varies between plans.
Most policies can cover you 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, limits and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
Left home without travel insurance?
Learn how you can buy your travel insurance policy while travelling anytime from anywhere in the world by watching this video.
Malaria at Christmas.
In the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A.G. Brazilian Nomad in Zambia.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Do you have an excess?
Yes - read the policy for details as it can vary depending on what you're claiming for.
-
My son/daughter is already on the road. Can I buy a policy on their behalf?
Yes, you can. But if you do, you're agreeing to all of the terms and conditions as if you are them.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
What to do if you’re hurt in an accident
- As featured in:
As featured in:
1. Safety first
Make sure everyone is safe. If you need immediate help, contact the local emergency services.
2. Seek medical attention
Contact the local emergency services and get medical help from a doctor or hospital as soon as possible.
If it's an emergency situation, where you are aware you will be admitted as an inpatient for at least one night, contact our 24/7 Emergency Medical Assistance Team as soon as you can.
Once you’re able to contact our 24/7 Emergency Assistance team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Depending on where you’re travelling, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know). The terms of your policy require that you use the public health system where possible, particularly when travelling in a country with reciprocal health agreements.
3. Get it in writing
Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, get copies of documents that will support your claim before you leave the medical facility such as:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of your injury.
- Hospital Admission report (if you’re admitted to hospital).
- Ambulance and Medical evacuation reports (if relevant).
- Provide written evidence to verify your claim, such as a police report (if they were involved).
- Any other relevant documentation related to the accident.
4. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
5. Need to know more?
This information may help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 in an accident?
- Sudden death of an immediate relative?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation 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 team