Buy Travel Insurance Away From Home
Get covered by World Nomads, even if you're already on the road.
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We know it can be easy to forget to buy travel insurance when you’re planning a much-needed overseas holiday. If you’ve left the UK 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.
Waiting periods can apply whether you have boarded your transportation for international departure or even if you have simply left your home for a domestic trip within the UK (Annual Multi-Trip only).
If you are already travelling and have left the UK all you need is a stable internet connection and you can buy or extend your travel insurance anytime, anywhere.
If you buy a policy while travelling, waiting periods, conditions and restrictions on cover do apply.
What is a Waiting Period?
You may have to wait 72 hours (waiting period) 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 pre-trip cancellation cover) may not apply as you’ve already started your trip.
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 Medical 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 teamWhat to do if You Fall Suddenly Ill
Follow these handy travel insurance tips if your trip is cut short by sudden illness.
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1. Seek medical attention
Get medical help from a doctor or hospital.
If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Medical Assistance team as soon as you can, where you are admitted as an inpatient for at least one night.
Once you’re able to contact our 24/7 Emergency Medical 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 Medical 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
All 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 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 GP back in the UK 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 British 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 Trip Disruption benefit sections.
Cover does vary between our Standard and Explorer plans. If you are diagnosed with Coronavirus while overseas your benefits include:
- 24/7 access to our Emergency Medical Assistance team, who can help you access local medical care.
- Medical costs including hospitalisation.
- Evacuation or repatriation back to the UK 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 British travellers options to travel knowing that they have overseas emergency medical insurance benefits on our Standard and Explorer plans.
Please note: COVID-19 cover depends on your Country of Residence.
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. Need to know more?
This information may help when things go wrong and you want to make a claim. 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. Your policy will always have the full details of what you’re covered for.
If you have any further 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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1. Report it to your carrier straight away
Once you realise your luggage is delayed, report it to the carrier 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, from the carrier confirming the delay was greater than 24 hours from your arrival and any compensation they offer to you.
3. Keep your receipts
Keep the 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 teamWhat to do if your passport is stolen
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Having your passport stolen really sucks. Thankfully 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 may include:
- The local police (within 24 hours);
- 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.
2. Arrange a replacement or emergency passport
Carefully check the process to apply for an emergency or replacement passport with the British embassy. You may need to attend an appointment at your nearest British embassy, High Commission or consulate after you’ve applied online on the FCDO website. You must provide us with copies of all documentation provided by the foreign government agency and the UK 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 back to the UK 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 on 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, limitations 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 teamKayaking and Rafting Travel Insurance Plans
Canadian Residents can protect their fun on the water with travel insurance
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At a glance:
- World Nomads plans may cover kayaking in inland/coastal waters and whitewater kayaking and rafting for grade/class 1-5, with the ability to pay an extra premium and be covered for sea kayaking outside coastal waters.
- Coverage for injuries and medical transport if you're seriously hurt while kayaking and rafting.
- Reimbursement for your non-refundable, prepaid rafting and kayaking tours if you need to cancel, plus coverage for trip delays or trip interruptions due to covered events.
- Gear & Baggage Protection helps cover lost, stolen, or damaged gear and luggage.
- Access to emergency assistance anytime, anywhere.
- Why should I consider travel insurance for my kayaking or whitewater rafting trip?
- Kayaking and rafting travel insurance: What may be covered?
- What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
- What may not be covered when kayaking or rafting?
- Top safety tips we recommend for your kayaking or rafting trip
- FAQs
From kayaking alongside glaciers in Alaska to whitewater rafting down the Balsa River in Costa Rica, there’s plenty of ways to have fun on the water with a kayaking or rafting adventure. Our travel protection plans include a range of travel insurance benefits for kayaking and rafting that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my kayaking or whitewater rafting trip?
Nobody goes whitewater rafting with the intention of falling out of their raft, but it can happen. Even on a leisurely kayaking trip, you could sprain a muscle or get heat exhaustion. Travel insurance designed for kayaking and rafting 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 – whether you're navigating rapids or calm waters.Kayaking and rafting travel insurance: What may be covered?
As paddlers ourselves, we’ve designed our plans that may cover kayaking and rafting while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a kayaking or rafting accident -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the river -
Baggage & Gear Coverage
Damaged or stolen paddling gear, or swimsuits that have gotten lost with your checked luggage -
Trip Delays, Interruptions & Cancellations
A money-saver if an unforeseen covered event throws a wrench into your plans
Terms, conditions, and limitations apply to all coverage mentioned.
What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.
- The Standard plan includes travel insurance for kayaking, snow rafting, cave tubing, and sea kayaking. Whitewater rafting and kayaking, blackwater rafting, hydrospeeding, and river boarding for classes 1-5 are also included.
- The Explorer plan also covers these activities, but has higher limits of coverage.
When you purchase your policy, you’ll need to list kayaking, rafting, and all of the other activities that you plan to participate in while on your trip. There’s over 250 other sports, activities and experiences that may be covered. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.
Kayaking in inland/coastal waters (within three nautical miles of shore), snow rafting, and cave tubing are considered Level 1 activities. Whitewater and blackwater rafting, hydrospeeding, and river boarding for grades/classes 1-5 are too. All Level 1 activities are automatically covered, but you’ll still need to list them when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like sea kayaking and swimming outside of coastal waters. If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
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 kayaking and rafting?
- Kayaking or whitewater rafting under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Kayaking, rafting, or travelling within your home province
- Rafting or kayaking if your doctor has advised against it
- Any Class 6 kayaking or rafting trips
Top safety tips we recommend for your kayaking or rafting trip
- Research your tour operator: If you’re going on a kayaking or whitewater rafting excursion, research the tour company’s credentials ahead of time.
- Know your own limitations: Kayaking and whitewater rafting are physically demanding, so make sure you’re up to it. If you have any concerns, talk to your doctor ahead of time, and make sure you plan a trip within your own skill level. If you decide to go kayaking or rafting after your doctor has told you not to, and then you get hurt, you won’t be covered by your travel insurance for whitewater rafting and kayaking.
- Wear a life jacket: Think less about your tan lines, and more about your safety. Accidents can happen at any time, and if you fall out of your kayak or raft, you may not have time to grab that if you unexpectedly go overboard.
- Store a copy of your rafting and kayaking travel insurance documents in a dry bag: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for kayaking and rafting. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Is kayaking covered under World Nomads Travel Insurance?
Yes, World Nomads offers kayaking travel insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Kayaking within inland/coastal waters is considered a Level 1 activity and is automatically covered, but you’ll still need to list it when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
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Is whitewater rafting covered under World Nomads Travel Insurance?
Yes, World Nomads offers whitewater rafting travel insurance for grades/classes 1-5, but make sure you list this as an activity you’ll be participating in when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
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What types of incidents are covered while kayaking or rafting abroad?
If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the policy limits), and this may include unused, pre-paid, non-refundable kayak rentals or rafting excursions. If you fall out of your kayak or raft, get hurt, 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 get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You may buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads Travel Insurance offer coverage for kayaking and rafting outside of Canada?
Yes, there are so many great places around the world where you can kayak or go whitewater rafting, and World Nomads doesn’t want to limit your fun. For example, if you have coverage that includes travel insurance for Asia, you could have the opportunity to go whitewater rafting on the Trishuli River in Nepal or kayaking through the mangroves in Okinawa. When you get a quote for travel insurance for kayaking and rafting, you’ll need to input where you’ll be travelling, and also list kayaking as rafting as activities you’ll be participating in.
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What should I do if I get hurt while kayaking or rafting?
If you have travel insurance for rafting and kayaking and unexpectedly get hurt, you can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They may also translate for you if you’re travelling outside of Canada and your medical team doesn’t speak French or English. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, with your rafting and kayaking travel insurance benefits, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. 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 both plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, kayak rentals, whitewater rafting excursions, and accommodations if your trip is cancelled for a covered reason.
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What happens if my bags are delayed?
When you purchase travel insurance for rafting and kayaking, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for your next kayaking or rafting trip?
Not sure where your next paddling adventure should take you? Check out some of our favorite places around the world to go kayaking and rafting and get destination-specific travel insurance tips to help you plan with confidence.
Ecuador Discoveries: Kayaking the Amazon
Kayaking in the Shadow of Giants in Southern Greenland
5 of the Best Places to Kayak Around the US
Whitewater Rafting in Nepal: 7 Best Places to Go
Canada Discoveries: Rafting the Exploits River
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, 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
- 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 Mountain Biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
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Check what’s covered before you head up the mountain
Nothing shouts adventure for Irish travellers than the speed and thrills of mountain biking. But as fun as mountain biking can be it can also lead to nasty cuts, bruises and injuries. That’s why travel insurance comes in handy when your mountain bike ride doesn’t go to plan.
What’s covered for mountain biking?Our plans can help you navigate any unexpected mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
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Two travel insurance plans to suit your sport and activity needs
Unfortunately we can’t help with that punctured tyre but if you’ve seriously hurt yourself World Nomads Travel Insurance Standard and Explorer plans can offer coverage for unforeseen medical costs on your next mountain biking adventure overseas. Both our plans offer optional upgrades so if you plan on taking lifts for some gripping descents, you must upgrade to the activity level that suits your needs at the time you purchase your policy.
What do you do if something happens to you?
We understand that unexpected accidents and illnesses may strike at any moment, that’s why the World Nomads 24/7 Emergency Medical Assistance team is here to help you navigate any issues you may have if you end up in hospital. If you’re admitted to hospital, you (or someone else) must notify our 24/7 Emergency Medical Assistance team as soon as reasonably possible. Your medical expenses can be paid directly to the hospital, where possible, once cover is confirmed. For more information on what to do if you need emergency assistance while overseas check out our Overseas Medical Treatment and Hospitalisation Help Centre article.
Travel insurance tip: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (and as soon as your medically able to do so) you’ll need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and claims procedures. Where your PMI provider cannot provide assistance, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs, and also please provide us with details of your PMI provider to help us coordinate your care. For more information on what to do please refer to Section 8 Medical Sections of Cover, Important Information, in your Policy Wording.
You can also claim for your non-refundable costs of cancelling your trip if you or your travel buddy suddenly gets sick or hurt before you go on your trip. We also offer cover if you’re left empty-handed when the airline loses your baggage; or if a storm affects your connecting flight and puts the brakes on your travel plans (Explorer Plan only).
Why buy travel insurance when you’re going mountain biking?
Having travel insurance can help take some of the stress out if you end up in hospital with unexpected medical costs from a broken leg to some bangs and scrapes. Importantly travel insurance offers coverage for those ‘worst possible case’ scenarios when you need to be repatriated to Ireland to recover.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check out our activities article for details or contact us if you have questions.
World Nomads plans offer cover for many mountain bike destinations:
- Les Gets, France where the lower Alps make for perfect mountain biking trails
- Spain’s southern Andalucía region for riding in the sun
- The downhill, cross-country and single tracks of Whistler Canada
- Desert riding around Colorado and New Mexico
What’s not covered?
Some things we may not cover for mountain bike riding include:
- Pre-existing medical conditions
- Theft, loss and damage to bikes and their related accessories
- Participating in racing events
- Personal liability while bike riding
- Leaving baggage, personal items or any mountain biking gear unattended
- Any search or rescue operations to remove you from a life-threatening situation
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties
- Damage from any illegal activity.
For more information, go to our Help Desk mountain biking article.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.
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 teamFlexcations Travel Insurance Coverage
US Residents can protect their working vacations with travel insurance
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At a glance:
- All World Nomads plans could cover losses resulting from flexcation trips where working and fun come together, with some plans that offer higher limits of coverage.
- Emergency Medical Expense Coverage may assist with medical costs and transport if you're seriously hurt while working and traveling.
- Our travel protection plans can include coverage for transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Baggage and Personal Effects protection helps cover lost, stolen, or damaged personal gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (Additional cost and terms apply. Not available in New York.)
- Why should I consider travel insurance for my flexcation?
- Travel insurance and non-insurance services for flexcations: What may be covered?
- What level of travel insurance coverage do I need for my flexcation trip?
- What may not be covered when on a flexcation?
- Top tips we recommend for a successful and productive flexcation
- FAQs
Because of flexible work and school schedules, more travelers are opting to take flexcations – extended stays away from home that are a mixture of leisure and work travel. Digital nomads have the flexibility to travel to some of the world’s most intriguing places, but no matter where you’re headed, it helps to always be prepared for the unexpected when traveling. For example, if you’re planning to spend your weekdays working in Rome and your weekends tasting your way through Tuscany, a travel protection plan that includes travel insurance coverage for Italy can help protect your trip. Your plan may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my flexcation?
The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. These days, you can work from just about anywhere in the world with a strong Wi-Fi connection – including some of the most scenic tropical landscapes like the Caribbean and Costa Rica. But what happens if you get hurt while scuba diving or snorkeling on your lunch break? A travel protection plan that includes travel insurance coverage 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 while you’re on a flexcation.
Travel insurance and non-insurance services for flexcations: What may be covered?
The purpose of a flexcation is to be able to fully enjoy the destination where you’re traveling, and you’ll hopefully be experiencing new cultures and activities while you’re there. But when you’re working and studying remotely and away from home, unexpected situations can happen – and that’s why we’ve designed our travel protection plans to include travel insurance coverage for flexcations. We also offer coverage for losses related to more than 250 sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen to digital nomads when on a flexcation -
24/7 Non-Insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Coverage for damaged or stolen luggage and personal gear -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather impacts your trip.
Get a quote and compare the plans to see which level of coverage is right for you.
Terms, conditions, and limitations apply to all mentioned coverages.
All plans include travel insurance coverage for your flexcation trip, 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 for my flexcation trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. A flexcation isn’t supposed to be all work and no play, and depending on where you’re headed, you may want to enjoy a variety of other activities such as hiking, snorkeling, or skiing. That’s totally fine, because you may be covered for 250+ sports, activities and experiences.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for unexpected illness or injury incidents while on a flexcation. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan includes everything in the Standard plan, plus even more activities – including skydiving It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer plan covers, plus even more activities – including cliff diving and ice climbing (up to 26,247 feet/8,000 meters). It also has the highest benefit limits of coverage.
- Annual Plan – This plan is for digital nomads who are planning multiple trips. Just buy once and stay protected all year. It includes travel insurance coverage for flexcations, as well as all of the other activities covered in the Standard Plan.
It’s important to note that the maximum trip length for a single trip plan (the Standard, Explorer or Epic) is 180 days. It’s 45 days per trip for an Annual 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 on a flexcation?
So what happens if your boss told you that you could work remotely and be a digital nomad, but then changes his mind as soon as you land in Europe? If you have to go home because your employer won’t let you work remotely anymore, your travel insurance coverage for your trip to Europe won’t reimburse you for the costs of your trip. While many things are covered by travel insurance and non-insurance services, there are some things that aren’t – including your boss changing his mind. (Although it’s totally not cool.)
Some other things that aren’t covered include:
- Unattended baggage or personal items
- Participation in activities not listed in our 250+ sports, activities and experiences.
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Ignoring your doctor if they have advised in writing that you are not medically fit to travel
- Traveling within 100 miles of your home
- Any electronics or other equipment that you use for professional purposes.
- A non-emergency treatment or surgery, including routine physical examinations
Top tips we recommend for a successful and productive flexcation
From our own experiences of being digital nomads, we’ve worked in some really interesting destinations around the world. It's never been easier to unplug and take off now that you can work and study remotely. But travel glitches can arrive in all shapes and sizes, and it helps to prepare as much as you can. Here are a few tips that you may find helpful when planning your next flexcation.
- Check to see if there’s reliable Wi-Fi. It’s better to ask questions in advance before you’ve traveled all the way there and see that there’s a problem.
- See if there’s ample space for you to work productively. You’ll want to make sure you have a quiet space for those times that require more focus and concentration.
- 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.
- Check with the U.S. 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.
- Make time for work and play. The point of a flexcation is to be able to experience a new place, so plan out some time to enjoy your destination.
FAQ
Here are our most frequently asked questions about cover for flexcations. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Are flexcations covered under World Nomads Travel Insurance?
Yes, flexcations or ‘work and travel programs’ may be covered under all four plans offered by World Nomads Travel Insurance. However, note that the maximum trip length for a single trip plan is 180 days. It’s 45 days per trip if you have an Annual Plan.
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Will travel insurance cover my laptop and other electronics that I use for work?
Our plans are designed to provide coverage for your baggage and personal effects, including electronic devices and personal computers. While our plans may provide coverage for your personal electronics that you own and take with you on your trip, we will not cover your professional electronics that is owned by someone other than yourself or used for professional purposes.
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What types of incidents may be covered while on a flexcation?
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 on a flexcation 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 and non-insurance services for flexcations online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take 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, you’ll need to buy your insurance at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for overseas flexcations?
Yes, some of the best places to take a flexcation are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have a travel protection plan that includes travel insurance coverage for your trip to France, you could have the opportunity to be a digital nomad in Paris. If you have travel insurance coverage for your trip to Japan, you could work remotely and spend your free time skiing in the Japanese Alps. When you get a quote for a travel protection plan that includes travel insurance coverage for flexcation trips, you’ll need to input where you’ll be traveling.
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Does travel insurance cover routine healthcare when I’m working remotely in another country?
World Nomads plans include medical expense coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for everyday or preventative care, such as allergy medications or routine check-ups. If you have an unexpected medical emergency though, World Nomads Travel Insurance may help with things such as hospital stays, prescription medications, and x-rays (subject to approval.)
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What should I do if I get hurt while on a flexcation?
If you get hurt while you’re on a flexcation, 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 flexcation trips.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for flexcations, you could be covered for 250+ sports, activities and experiences. We know you’ll be doing more than working and studying, and that’s what makes it fun to be a digital nomad. Things like hiking and biking may 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 accommodations 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 travel insurance coverage for flexcations, 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 necessary personal items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next flexcation?
There are actually some pretty amazing places where you can work remotely here in the United States (and you can get a travel protection plan that includes travel insurance coverage for the US as long as you’re traveling more than 100 miles away from your home.) But there’s an abundance of great places around the world where you can embrace your inner digital nomad, too. Check out a couple of our favorite locations and get destination-specific travel tips to help you plan with confidence.
A World Nomad’s Guide to Puerto Vallarta, Mexico
Six Things to Know Before Going to France
A Local’s Guide to Visiting Berlin, Germany
Italy Travel Tips: Six Things to Know Before Visiting
Six Things to Know Before Traveling to Norway
How to Experience Ho Chi Minh City Like a Local
Five Incredible Cities to Explore in Spain
For more tips on working remotely, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office.
20251106-4950434. 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 team
