Photo © Westend61

Travel Insurance for Surfing

Before you pack your surfboard, learn how travel insurance could help if things go wrong.

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For many Kiwis surfing isn’t just a hobby it’s a lifestyle. With the number of gnarly surf breaks and yet to be discovered beach spots worldwide it’s no wonder Kiwis are stoked to search far and wide for the next adrenaline-soaked surf trip. But with sun, surf and sand there are also dodgy stingray encounters, jagged coral reefs and (gulp!) shark attacks.

Along with your surfboard, wetsuit, sunblock and sunnies, don’t forget to pack your travel insurance. World Nomads can help get you back on your feet if your surfing adventure turns into a wipe-out.

Travel insurance for surfing

As surf enthusiasts, Kiwis can take on a six foot barrel without a worry by taking out World Nomads travel cover. Here is what we offer as part of our Standard and Explorer plans:

  • Gear protection: Got your surfboard stolen while surf town-hopping in Costa Rica? Our gear coverage can help with replacing belongings that were swiped from under your nose.
  • Emergency medical: Long lefthanders can be epic to ride but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
  • Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from the 24/7 Emergency Assistance
  • Trip cancellation: Has a sick or injured travelling companion put a stop to your surf break?  Your plan may be able to recover the travel expenses.
  • Checked-in baggage: You’ll be covered if your surf gear is stolen, lost or accidentally damaged by a common carrier (e.g. airline or bus company). Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.

Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage.

Besides wave surfing, World Nomads may also cover:

  • Land surfing
  • Stand-up paddle surfing
  • Windsurfing
  • Sandboarding
  • Kite surfing
  • Wakeboarding

An upgrade for certain sports may be required and terms and conditions apply for each activity and sport. Check your Policy Document for details or contact us if you have questions.

What's not covered for surfing travel insurance?

Sorry – we won’t cover you if you do something reckless (like tackle big-wave off-shore surfing when you’re only a beginner).  Some things we may not cover include: 

  • If you refuse to be repatriated or evacuated
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
  • Any expenses that relate to a existing medical condition, as explained in the Policy Documents
  • Expenses that can be recovered from another source
  • The policy excess, deductible or co-pay amount as shown in the Policy Document
  • If you surf while under the influence of alcohol or drugs… water and alcohol never mix!
  • Search and rescue costs
  • Professional competitive surfing

How to get the most out of your travel insurance

When it comes to any sport, safety should always come first. Your health ─ and your travel insurance cover─ depends on your responsible behaviour. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).

  • Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
  • Don’t go in over your head.  Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing when you’ve only taken one lesson.
  • Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
  • No pro sports or athletic competitions. So cool that your 9-to-5 is spending time on the waves but unfortunately, professional sporting activities aren’t covered by travel insurance.
  • Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for cover.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

 

 

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Westend61

Travel Insurance for Surfing

While searching for the ultimate surf breaks and sleepy beach towns, don't forget to consider travel insurance.

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For many Aussies surfing isn’t just a hobby it’s a lifestyle. With the number of gnarly surf breaks and yet to be discovered beach spots worldwide it’s no wonder Aussies are stoked to search far and wide for the next adrenaline-soaked surf trip. But with sun, surf and sand there are also dodgy stingray encounters, jagged coral reefs and (gulp!) shark attacks.

Along with your surfboard, wetsuit, sunblock and sunnies, don’t forget to pack your travel insurance. World Nomads can help get you back on your feet if your surfing adventure turns into a wipe-out.

Travel insurance for surfing

As surf enthusiasts, Aussies can take on a six foot barrel without a worry by taking out World Nomads travel cover. Here is what we offer as part of our Standard and Explorer plans:

  • Gear protection: Got your surfboard stolen while surf town-hopping in Costa Rica? Our gear coverage can help with replacing belongings that were swiped from under your nose.
  • Emergency medical: Long lefthanders can be epic to ride but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
  • Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from the 24/7 Emergency Assistance.
  • Trip cancellation: Has a sick or injured traveling companion put a stop to your surf break?  Your plan may be able to recover the travel expenses.
  • Checked-in baggage: You’ll be covered if your surf gear is stolen, lost or accidentally damaged by a common carrier (e.g. airline or bus company). Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.

Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage.

Besides wave surfing, World Nomads may also cover:

  • Land surfing
  • Stand-up paddle surfing
  • Windsurfing
  • Sandboarding
  • Kite surfing
  • Wakeboarding

An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.

What's not covered for surfing travel insurance?

We won’t cover you if you do something reckless (like tackle big-wave off-shore surfing when you’re only a beginner). Some other things we may not cover include: 

  • If you refuse to be repatriated or evacuated
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
  • Any expenses that relate to a pre-existing medical condition, as explained in the policy wording
  • Expenses that can be recovered from another source
  • The policy excess, deductible or co-pay amount as shown in the policy wording
  • If you surf while under the influence of alcohol or drugs
  • Search and rescue costs
  • Professional competitive surfing.

How to get the most out of your travel insurance

When it comes to any sport, safety should always come first. Your health ─ and your travel insurance cover─ depends on your responsible behaviour. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).

  • Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
  • Don’t go in over your head.  Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing when you’ve only taken one lesson.
  • Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
  • No pro sports or athletic competitions. Unfortunately, professional sporting activities aren’t covered by travel insurance.
  • Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for cover.

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © E + piola666 / Getty

Travel Insurance Coverage for Road Trips

US Residents can protect their road trips, both domestically and internationally

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At a glance:

  • Travel insurance coverage for road trips can give you backup for delays, medical emergencies, or mishaps far from home—so you can enjoy the journey and help not stress the what-ifs.
  • If you're cruising Route 66 or navigating winding roads abroad, insurance may help you stay prepared for the unexpected.
  • Road trips come with their own risks—rental car damage, trip interruptions, and more. Travel insurance coverage can help protect your plans and your wallet.
  • 24/7 Emergency Help: Get support anytime, anywhere, if you run into trouble during your road trip.
  • From quick weekend getaways to cross-country or international adventures, there’s a plan built to match your road trip style.


For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

From spontaneous detours to unexpected delays, road trips may not go exactly as planned. Travel insurance coverage helps you hit the road with more confidence, knowing you’ve got backup if the unexpected happens.

Why should I consider travel insurance for my road trip?

Whether you're road tripping across the U.S. to explore national parks or renting a car abroad to drive through winding European countrysides, unexpected detours can happen. That’s why travel insurance for road trips can be worth considering—it’s designed to protect you from bumps in the road that go beyond flat tires. From trip interruptions to emergency medical needs far from home, travel protection plan for road trips offers peace of mind so you can focus on the open road ahead, not the what-ifs. Whether domestic or international, your road trip deserves the same level of planning as any other adventure.

What travel insurance coverage and non-insurance services are offered by World Nomads for road trips?

World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the road. Plans may include:

  1. Emergency Medical Expenses
    Even a minor medical emergency could result in several medical expenses.

  2. Non-insurance Emergency Assistance
    Whether you are stranded in the middle of nowhere, or need a referral for roadside assistance, the 24/7 team is available to assist in an emergency situation

  3. Rental Car Damage Coverage
    Protection for scrapes, dents and major damage your rental car may incur. Only included in the Explorer, Epic & Annual plans.

  4. Trip Cancellation
    Reimbursement of pre-paid, unused, non-refundable expenses like flights, tours and accommodations if you’re unexpectedly too sick to go on your road trip

NOMADS TIP: Depending on the plan purchased, consider the optional ‘Cancel for Any Reason’ benefit for added flexibility and protection for shifting plans. Optional benefits come at an additional cost; CFAR not available in NY.

At World Nomads Travel Insurance, we know your road trip is more than just the drive. You’ll be making lots of stops, having fun along the way. That’s why our plans include travel insurance and non-insurance services for losses relating to over 250+ other adventure sports and experiences – from jungle hikes and scuba dives to zip-lining and rock climbing. We offer four travel protection plans with different levels of insurance coverage to suit your trip style, budget, and adventure level. Check out our activity list and ensure you pick the plan that covers everything you plan to do. *All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!

What level of travel insurance coverage do I need for my road trip?

The right travel insurance and non-insurance services for your road trip depends on your trip style:

  • Standard Plan – Great for families or budget travelers doing short domestic road trips
  • Explorer Plan – Ideal for adventure-filled trips with optional CFAR benefits
  • Epic Plan – Suited for luxury or once-in-a-lifetime road trips abroad with optional CFAR benefits
  • Annual Plan – Perfect for frequent road trippers, digital nomads, or remote workers

Use the quote tool to compare maximum benefit amounts and customize coverage for your specific needs. Optional coverages come at an additional cost.

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
Two women in a van door

What may not covered by the travel protection plan I buy for road trips abroad?

  • Pre-existing medical conditions, unless you purchased your plan within the time-sensitive period and are eligible for the Pre-Existing Medical Condition Exclusion Waiver. 
  • Fancy Vehicles: Check your plan carefully as some vehicles are not covered, including luxury cars, camper vans and RVs.
  • Incidents that are a result of being under any sort of intoxication or influence.
  • Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.

Top safety tips for your road trip

  • Be sure to drive to the conditions – take your time, especially on unfamiliar roads.
  • Don’t ever drink alcohol and drive - not only is it extremely dangerous but it could invalidate your plan.
  • Have your GPS handy and bring back-up directions (such as a printed map!).

FAQ

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

  • Can I buy travel insurance for an international road trip?

    Absolutely. Whether you're renting a camper van in New Zealand or driving through the Alps, travel insurance coverage for international road trips provides crucial support. Protection plans can include medical coverage abroad, trip interruption protection, and assistance in emergencies. Just make sure your rental vehicle type and destination country are eligible under your policy.

  • What’s not covered by travel insurance on a road trip?

    Travel insurance for road trips may not cover:

    • Pre-existing medical conditions (unless a waiver applies)
    • Certain vehicle types like RVs, motorcycles, and luxury cars
    • Incidents involving being under the influence of drugs and alcohol
    • Unattended valuables left in your vehicle
    • Personal gear like bikes (unless checked into a common carrier)

    Always review your plan details and exclusions before hitting the road.

Need destination inspiration?

Already mapped your route? Awesome. But if you’re still dreaming up your next great drive—or just want a little inspiration between gas stops—check out some of our favorite road trips and tips. From iconic highways to hidden backroads, you might just find your next unforgettable adventure.

A road trip through Uganda’s National Parks

A road trip through Bulgaria

Driving across Australia

20250728-4686269. 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Maskot / Getty

Travel insurance for flexcations

Travel protection for when you’re mixing work and leisure

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It’s never been easier to unplug and take off, and many people are now able to work and study remotely anywhere, anytime assuming there’s good Wi-Fi, of course.

But travel glitches can come in all shapes and sizes, even with the most meticulous planning. If you’re planning on traveling whilst also working remotely, it might be worth considering how travel insurance could help if things don’t quite go to plan.

What is a flexcation?

As work and schooling is becoming more flexible – especially since Covid – there is an emerging trend of more travelers and their families opting to take 'flexcations',extended stays away from home that are mixture of leisure and work, and even going to school remotely, either domestically or abroad.

Why should I consider travel insurance for flexcations?

If you’re planting yourself in a different place while working remotely and playing locally, you might want to consider the following when it comes to travel insurance. How long am I staying? Where am I staying? What kind of medical coverage might I need? Am I taking along personal belongings that I can’t stand to lose? Is my entire family covered? How much am I spending on pre-paid deposits?

Just as planning a trip requires a jumble of components, there is a lot to consider about travel insurance when taking a flexcation. The good news is that there are several ways that that travel insurance may be able to help on a trip that combines business and pleasure.

What's covered for flexcations?

Whether you’re seeking a quiet haven or an outdoor adventure for your flexcation, World Nomads can offer coverage (up to the policy limits) for:

  • Repair or replacement of personal-use electronics, including mobile phones, laptops, and tablets you own, subject to depreciation and a per-item and total maximum limit.
  • Trip cancellation and trip interruption benefits for emergencies such as a member of your traveling party falling ill or a severe weather event. For more details, be sure to check your individual policy. Your coverage will vary according to your Country of Residence.
  • Emergency medical expenses for sudden injuries and sicknesses, including medical repatriation and access to our 24/7 Emergency Assistance team.
  • Family coverage or group plans for up to 2 adults and 8 dependent children, depending on your country of residence.
  • Feeling adventurous? Our policies can cover up to 150 sports and adventure activities, including scuba diving, cycling and camping, depending on your Country of Residence and the plan you choose.

We know that no two travelers are alike, so World Nomads offers two plans you can select to protect you and your family on your flexcation – Standard and Explorer. Each policy provides different levels of coverage depending on what you need.

Be aware that your travel insurance may only cover trips beyond a certain distance from your home, depending on your country of residence.

Check to see what geographic regions are covered under your specific plan, and whether your country of residence has a reciprocal healthcare agreement with the countries you’re visiting and what these agreements cover.

What's not covered for flexcations?

Travel insurance isn’t designed to cover everything. These are some things that don’t fall under the scope of your plan:

  • Any pre-existing medical conditions
  • A sudden loss of your job leaves you unemployed
  • Any items lost, stolen or damaged that are unsupervised or unattended
  • Any adventure sports that aren’t covered by our policies
  • Any costs related to illegal activities or being under the influence of drugs or alcohol

Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details that there are no surprises if you need to use it. 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © TK/Getty

Travel insurance for Costa Rica

What coverage do I need as an entry requirement to Costa Rica?

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Rainforest treks, volcanic hot springs, cloud forest canopy tours, world-class surf breaks – Costa Rica is an adventurer’s dream! But before you head into the amazing nature on offer   to experience La Pura Vida, check out our travel tips to ensure you stay safe and have a great trip.

Do I need travel insurance to enter Costa Rica?

Visitors to Costa Rica may need to show proof of travel insurance coverage before entering the country. Contact your World Nomads representative to see if your plan meets the minimum requirements and to obtain a letter or certificate to present with your Health Pass.

What’s covered when traveling around Costa Rica?

All our plans offer cover (up to the benefit limits) for:

We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your travel plans.

You can get a quote, make a claim, or extend your policy instantly online, even while traveling.

Getting adventure sports coverage 

Whether you are river tubing near Arenal, mountain biking near San Jose, or snorkeling for sea turtles in Tortuguero National Park, World Nomads covers you for more than 150 activities, adventures and sports.

Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us

Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: treks may only be covered up to a certain elevation, or scuba dives only to a certain depth for example.

Traveler tip: be sure to check your policy for any exclusions, such as search and rescue missions and professional sports.

What to do if you sick or injured while traveling in Costa Rica

Costa Rica is a well-known adventure travel destination, but there have been reports of visitors being seriously injured, or worse. 

All our policies offer coverage up to policy limits for medical emergencies, and our 24/7 Emergency Assistance team can get you help on the ground with translation services when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.

As avid adventurers ourselves, we know that some adventures in Costa Rica may take you far from medical facilities, and our policies may also cover you for emergency evacuation and repatriation.

Traveler Tip: get in touch with the EA team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation.

Road safety 

Road conditions can be poor around in Costa Rica, with huge potholes and other road hazards being commonplace. Some of our plans have damage collision waiver coverage for rental cars, depending on your Country of Residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for any claims.

Our Emergency Assistance team has your back and is available 24/7 to help locate nearby hospitals, medical providers, or pharmacies if you need assistance while you’re on the road.

Keeping your gear safe 

Whilst a relatively safe country, street crime and petty theft such as pickpocketing can occur in Costa Rica. Should that happen to you, get to safety first and go to the local authorities to report the incident (don’t forget to get a copy of the report, and have copies or original receipts, which you’ll need if you make a claim). 

Our 24/7 Emergency Assistance team can provide support in a crisis, such as helping you get in contact with an embassy or providing local consular details and information, provide multi-lingual support and translation services when needed, and keeping you in touch with relatives and friends.

If your personal belongings get swiped, you may be able to make a claim for replacement or reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions, limitations and exclusions apply, so be sure to check your policy wording. 

Traveler tip: if you forgot to buy travel insurance before you left home, you can purchase while you’re traveling (a waiting period may apply for some benefits). 

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.,

What’s not covered while traveling in Costa Rica?

Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:

  • Any pre-existing medical conditions 
  • Any items lost, stolen or damaged that are unsupervised or unattended
  • Not following doctor’ orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
  • If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
  • Any adventure activities or sports that aren’t covered by our policies
  • Any costs related to illegal activities or being under the influence of drugs or alcohol.

Want some more travel inspo for your Costa Rican adventure? 

Check out our handy guides and tips to get the insider scoop on Costa Rica 

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 outlined in the policy wording. 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

Stolen Device

I was renting a room in Costa Rica. Before I left for an excursion, I put my valuables out of sight. When I returned, my trip my device was gone. There were a few other items moved throughout the house, but that was the only item that was taken.
U.S. Nomad

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Carlos Corcuera/Getty Images

Travel Insurance for Mexico

White sand beaches, colorful cities, dense jungles and desert landscapes. Mexico has something for everyone. Be ready for it all with travel insurance.

    As featured in:

  • As featured in:

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

At a glance:

  • Travel insurance benefits for Mexico may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across Mexico (surfing included!)
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

What’s the first thing that comes to mind when you think of Mexico? Sun-kissed beaches, delicious tacos, and a welcoming, friendly culture all come to mind for us. Travelers also come for the all-inclusive resorts, river kayaking, hiking to Mayan ruins, exploring colorful cities, or simply as a stop on a cruise. Whatever your dream vacation looks like, Mexico is a place of endless adventure and rich culture.

With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Americans in Mexico. International travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance* for Mexico before you set forth on your journey.

Do I need travel insurance for Mexico?

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft or bad weather.

Travel insurance for Mexico can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as diving in cenotes near Tulum or surfing off the coast of Sayulita.

Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip. Keep in mind that certain parts of Mexico are more dangerous than others. Before booking a ticket, make sure you are comfortable with the government-issued safety warnings.

We have four plans to choose from for different types of travelers and adventures.

Travel insurance for activities in Mexico

Once you’ve done sampling those street vendor tacos, we’ve got you covered for more than 250 activities in Mexico, like snorkeling, kayaking, and hiking.

Not all activities are covered under every plan, so it’s a good idea to know your general travel itinerary before you get a quote. Some activities will require an extra level of coverage, depending on the risk involved.

For example, you can take your PADI course to learn scuba diving on Cozumel and be covered by all plans. However, if you’re interested in going cave diving to explore the famed cenotes around Tulum, you’ll need to purchase an Explorer or Epic Plan and read plan documents carefully to make sure your adventure is covered.

Travel insurance for medical emergencies in Mexico

In Mexico, the healthcare system can differ region-to-region and may not be what you are familiar with back home. In small clinics, you may have to pay before being seen by a medical professional. You can protect yourself from loss due emergency medical expenses by purchasing a travel insurance plan for your trip to Mexico.

Before your trip, you may want to make an appointment with our Pre-Departure Telehealth Service-- an online travel clinic and our non-insurance service partner. The telehealth service offers online consultations 24/7 and can help you obtain any necessary prescriptions such as medication for traveler’s diarrhea or motion sickness.

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.

A common ailment affecting travelers to Mexico is gastrointestinal disorders. The water system is not the same as back home in the United States, and it could make you sick. Travelers should not drink water straight from the tap without double-checking that it’s been filtered. The same goes for ice in drinks.

And, while many travelers recommend trying street food in Mexico, make sure you pick a cart that looks clean and doesn’t have food sitting out in the sun for too long. Simple common sense can save you a bad stomachache later on!

Travel insurance for lost or stolen bags in Mexico

A common claim we get is for lost or stolen bags in Mexico. Whether the airline lost your luggage, or your purse was stolen, these things do happen.

Did you arrive in Cancun but your bag—packed with your new swimsuit and snorkeling gear for your beach vacation—didn’t? The first step is to contact the airline.

If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

If someone stole your bags in Mexico, the first step is to file a police report. Then, give the 24/7 Emergency Assistance Team a call. You may be reimbursed for your stolen bags and personal belongings, minus depreciation and up to your plan limits. Certain qualifying factors would have to have occurred, as well. For instance, you couldn’t have left your belongings alone by the pool or have been intoxicated when the theft took place.

colourful street in Mexico
Colorful alley in San Miguel de Allende. Photo credit: Getty images / Marco Bottigelli


Travel insurance for crime in Mexico

Mexico is a beautiful place to visit year-round. However, there are certain areas that you may want to reconsider visiting. Travelers worldwide are often targeted by criminals looking to take advantage of tourists who look out of place or are just in the wrong place at the wrong time. When in Mexico, be aware of your surroundings and stay away from areas known to have high crime.

We’ve written pretty extensively about various scams and common crimes in Mexico in our Destination Guide. It all comes down to avoiding bad areas, protecting your stuff, and staying vigilant.

However, crime can happen at any time. If this happens to you, and you’re injured in an assault or are a victim of theft, seek assistance from the local authorities and contact the 24/7 Emergency Assistance Team for help. You’ll need to get a police report from the police immediately or as soon as reasonably possible, and a written confirmation of the loss from the hotel manager, tour guide, or transportation authorities, where relevant.

Travel insurance for canceled, interrupted, or delayed trips to Mexico

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses.

Fleeing the American winter for a sunny escape down to Mexico is a popular choice. Traveling during winter runs the risk of snowstorms in the US and potential missed connections. If you’re flying from Chicago to Cancun and your flight is delayed by more than three hours, causing you to miss your cruise departing in the Riviera Maya, you may have to pay to get to the next port of call. If you purchased an Explorer or Epic plan, your travel insurance for Mexico may reimburse you for those travel expenses to the next port in addition to any prepaid, non-refundable activities that you missed.

We never anticipate natural disasters interrupting our vacation to Mexico, but they can happen. The most likely months for hurricanes are August and September. The Yucatan Peninsula is especially at risk, but hurricanes have hit Baja California on the Pacific side. Storms are impossible to predict so the best thing you can do is protect yourself with travel insurance to Mexico.

If you bought your travel insurance plan prior to the storm developing into a major event (before the storm was given a name), your travel insurance for Mexico may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster.

Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in the United States. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, plan limits) hotel expenses or airfare that you can no longer use.

Tips for traveling to Mexico from the United States

As much as you may have planned each detail of your Mexican adventure, the unexpected can still happen. We encourage you to check out the US government’s safety warnings for Mexico before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few Spanish words and phrases will also go a long way.

Finally, we recommend checking out our travel tips for Mexico. You may also want to read up on some destination inspiration and download our free guide to Mexico to help you discover the lesser-known side of this country rich in art, culture, and nature.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

Stolen Belongings

While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Are you or your family sick or injured?
  • Natural disaster or terrorist attack where your'e going?
  • Called to active service?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Hurt abroad?
  • Need to get to a hospital urgently?
  • Default text

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Video camera gone?
  • Laptop lost?
  • Sports gear stolen?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © E + piola666 / Getty

Travel insurance for road trips

Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance

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  • As featured in:

Hitting the road? Get your travel insurance sorted with World Nomads

Road trips are a great way to experience local culture, see sights off the beaten track and immerse yourself in your travel destination. But there can be a lot of unknowns driving in a foreign country and it pays to research and plan ahead.

Good News: World Nomads can cover your road trip

One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Our Travel insurance is designed by travelers for travelers, and our policies can cover some key benefits to make sure you’re protected on the open road.

Choosing the right policy for you

We offer two plans – Standard and Explorer – each of which offers different levels of coverage. 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 plans.

What’s covered on road trips?

Depending on the plan you choose and your Country of Residence, our policies can offer cover (up to policy limits) for:

Sudden trip cancellations

Anything from an unexpected illness, a car accident or even jury duty can prevent you from going on your road trip. Trip Cancellation can offer cover for some of your pre-paid, non-refundable deposits if an emergency happens.

Unexpected medical emergencies on the road

Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. That's why our plans cover emergency medical expenses in the times when you're most vulnerable – when you're sick, get into an accident or get hurt. 

Your cross-country adventure may take you far from medical help, and if you need emergency evacuation our policies can also cover you.

Emergency assistance 24/7

When you’re in an unfamiliar place, it’s hard to know where to go for help. Buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Whether you’re stranded in the middle of nowhere, or need urgent medical attention, our Emergency Assistance team can facilitate a range of services in most parts of the world where you may be traveling.

Rental car insurance for vehicle damage

Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your Country of Residence and your choice of a Standard or Explorer plan. Check the details of your plan for restrictions on vehicle types: RVs, motorbikes, and luxury-model cars may not be covered. 

Road trip interruptions and delay

Don’t let an incident throw a wrench in your driving plans - our trip interruption coverage can help salvage your pre-paid, non-refundable trip expenses that you’ve had to forfeit because of a covered event that has disrupted your travels.

You may also need help getting your trip back on track. If you get delayed, you may need a hotel or a meal as you catch up to your itinerary. Check your policy for any conditions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason. 

If you’re not sure what you’re covered for, contact us.

Protection for stolen belongings and baggage

You may have camping gear in your trunk, sunglasses in your glove compartment or your wallet hidden in the back of the seat pocket. Unfortunately, thieves can be crafty enough to dodge security measures and get into locked spaces.

With our travel insurance, you may be able make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply so be sure to check the policy wording and contact us if you have any questions.

Cover for more than 150 activities, sports and experiences

Road trips give you the flexibility to expand your adventures. Our policies cover more than 150 activities, sports and experiences including hiking, camping and surfing.

If you’re not sure whether the activity you want to do is covered, or have any questions about your policy, just ask us.

What’s not covered on road trips?

Our policies aren’t designed to cover everything, and exclusions include but are not limited to:

  • Pre-existing conditions, including illness, disease or other medical condition for which you’ve previously shown symptoms or been treated for. Read your policy wording for more details.
  • Fancy Vehicles: Some of our plans offer coverage for rental car damage, but not for high-end cars, camper cars or RVs.
  • Alcohol and drug related incidents that are a result of acting irresponsibly under any sort of intoxication or influence.
  • Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment, and musical instruments.

Handy tips for a safe and fun road trip 

  • Be sure to drive to the conditions – take your time, especially on unfamiliar roads.
  • Don’t ever drink alcohol and drive, not only is it extremely dangerous but it could invalidate your policy
  • Don’t leave valuable items in the car, even for a short time.
  • Have your GPS handy and bring back-up directions.

This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

 

Car theft in South Africa

We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Suddenly sick?
  • Accidentally injured?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Hurt abroad?
  • Medevac home?
  • Need an ambulance?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © John Coletti/Getty Images

Travel Insurance for Mexico

31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.

    As featured in:

  • As featured in:

Spanning almost 760,000mi² (2 million km²), with landscapes that range from snow-capped volcanos to dense rainforest, and a cultural mix that’s equally diverse, Mexico is a place brimming with art, history, wildlife, adventure and plenty of inspiration.

Despite Mexico’s reputation as a place of crime and drug violence in recent years, don’t be deterred from experiencing one of the world’s most colorful and amazing cultures. Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.

What’s covered when traveling in Mexico 

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling. All our plans offer cover (up to the benefit limits) for: 

Make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs. 

You can get a quote, make a claim, or extend your policy instantly online, even while traveling. 

Pickpockets and petty crime in Mexico 

You’re wandering the stalls of the La Lagunilla markets and reach into your pocket to get your wallet and realise it’s not there. 

Theft is one of our most common travel insurance claims by travelers in Mexico. But the good news is that all World Nomads travel insurance plans offer some coverage for theft or lost luggage checked into a common carrier. Per item and total maximum benefits may apply and be sure to check your policy wording for excluded items.

To file a claim, you’ll need a police report or other written documentation such as a property irregularity report from your common carrier. 

Traveler tip: you should carry your electronics, passport, and valuables with you at all times. Don’t leave them in the car or in your luggage. Lock up your belongings securely when you can’t take them with you.

colourful street in Mexico

Colorful alley in San Miguel de Allende. Photo credit: Getty images / Marco Bottigelli


What if I experience a medical emergency in Mexico?

All of our policies offer cover for medical emergencies whilst traveling overseas. If you fall ill with food poisoning, or have an accident whilst on an adventure, we’re here to help.

If you experience a medical emergency whilst on holiday in Mexico, our 24/7 Emergency Assistance team can get you help on the ground with translation services when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition. 

If you require any medical treatment on your trip, be sure to get reports, documentation and keep all receipts, as you will need these to support your claim. 

As avid adventurers ourselves, we know that your adventures in Mexico may take you far from medical facilities, and our policies may also cover you for emergency evacuation and repatriation. 

Note: Get in touch with the EA team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or where medical evacuation is required. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care. 

Traveler tip: stick to purified water, or use purification tablets, and follow your doctor’s advice for any other health recommendations. These preventative steps could save you a lot of trouble.

Make sure you’re covered for adventure sports

Whether you are scuba diving in Socorro, rafting in Veracruz or hiking in Cumbres Del Ajusco National Park, World Nomads covers you for more than 150 activities, adventures and sports. 

Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.

Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: treks may only be covered up to a certain elevation, or scuba dives only to a certain depth for example.

Traveler tip:  make copies of all key documents you’ll be traveling with – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.

I’m going to Mexico for Scuba Diving, am I covered? 

We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. However, your coverage depends on your Country of Residence. Some of our plans may have exclusions for certain types of diving or dives of a certain depth, and you may need to upgrade your policy and coverage depending on the types of diving you will be doing.

Be sure to read your individual policy for terms and conditions, limitations and exclusions and if you’re unsure whether you’re covered, just contact us.

Traveler tip: most of the time, things are pretty calm in Mexico, but riptides and big swells are a potential danger on either side of the country, so check conditions before you scuba dive or swim and don’t go anywhere that has been closed off by authorities. Keep an eye on travel advisories, especially during hurricane season

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.

What’s not covered while traveling in Mexico?

Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:

  • Any pre-existing medical conditions 
  • Any items lost, stolen or damaged that are unsupervised or unattended
  • If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
  • Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.)
  • Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
  • Any adventure activities or sports that aren’t covered by our policies.
  • Any costs related to illegal activities or being under the influence of drugs or alcohol.
  • Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source

Want more travel inspo for your Mexican adventure? 

Check out our handy guides and tips to get the insider scoop on the best adventures in Mexico:

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 outlined in the policy wording. 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.

Stolen Belongings

While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Are you or your family sick or injured?
  • Natural disaster or terrorist attack where your'e going?
  • Called to active service?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Hurt abroad?
  • Need to get to a hospital urgently?
  • Default text

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Video camera gone?
  • Laptop lost?
  • Sports gear stolen?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images/Hinterhouse Productions

How the COVID-19 vaccine could impact your travel plans

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  • As featured in:

I've taken the COVID-19 vaccine – can I travel without a worry now?

Yes and no. ‘Expect the best but prepare for the worst’ might as well be the new motto for traveling during COVID-19. Many of us see the arrival of the COVID-19 vaccine as key to opening the gates to travel again, and to an extent this is true. However, your travels may require a few extra precautions.

Deciding to get the COVID-19 vaccine (a decision that is totally up to you) may play a big part in how smoothly you want your future holiday plans to go. It’s becoming increasingly clear that the current travel restrictions and requirements (e.g. a negative COVID-19 Polymerase Chain Reaction (PCR) test, and quarantine) will remain in place until most people globally have been vaccinated against COVID and we reach optimal herd immunity levels.

Many countries are mulling over the idea of making it mandatory to be vaccinated or making it easier for those that have been vaccinated to travel. As a result, only once you’ve been vaccinated will you be allowed entry into some highly sought-after destinations. Also, some countries may allow entry without needing to quarantine for a long period of time, or in some cases not at all. However, this will depend on each country's vaccine and entry requirements which are changing every day, so make sure you stay up to date prior to traveling.

Benefits of taking the COVID-19 vaccine include keeping yourself and your loved ones healthy, stopping the spread of the virus, but could also lead to easy access to major tourist attractions and events and the ability to stay at particular hotels or fly with certain airlines.


What to keep in mind if you’re thinking of getting the COVID-19 vaccine

Tip 1: Sharpen your pencil

Be prepared to comply with a pile of paperwork to be allowed into some countries. Research where you’re traveling to to find out if you'll need to provide evidence that you’ve been vaccinated, whether you'll need to pay fees or provide a stack of documents letting you enter your intended destination. You may also need to prove that you can pay for medical expenses and the cost of any applicable mandatory quarantine.

Tip 2: Travel vaccinations are not a new thing

Many countries have required travelers to be vaccinated against various illnesses for decades. We advise you to check with consulate, health (such as the World Health Organisation) and government authorities of the countries you're intending to visit. Some countries require proof of vaccination for some conditions before you're allowed entry and COVID-19 will most likely be no different. Make sure you keep a record with you in case it is needed.

Tip 3: Don’t risk being turned back at the airport

You will need to abide by any country or regions’ rules regardless of whether you have received the vaccine or not. This could mean paying for supplemental travel insurance, applying for special tourist visas, and providing written proof that you’ve been vaccinated.

Tip 4: Check your carriers travel rules

Your airline may require you to receive the vaccine whether you want to or not. For example, Qantas has already announced all travelers will need to be vaccinated for any overseas travel and many other airlines may follow suit.

Tip 5: The vaccine is not a silver bullet

Some unknowns include how well the vaccine will combat the virus, prevent infection and reduce the rate of transmission. Another is how effective the uptake of the vaccine will be in the countries you’re intending to travel to and when they will receive it, both which will impact where you’ll be able to go and when.

When looking to travel overseas, it’s always a safe bet to consider whether travel insurance may be right for you, as there are a number of activities and events you may be covered for that do not relate to COVID-19. For example, you may be covered if your luggage is stolen or lost by the carrier, if you need to cancel or interrupt your trip, or if you fall ill or are injured and need to go to hospital for treatment, as well as several other events.


Travel insurance and vaccinations

With the COVID-19 vaccine rollout now underway we’ve found it timely to clarify some queries from our travellers about the vaccine and how it may impact your travel plans and your travel insurance.

1. Will my travel insurance cover the cost of vaccinations and my associated expenses if I’m already traveling?

No. overseas medical travel insurance is for unexpected medical emergencies only. Vaccines are not unexpected as they are preventative in nature.   

2. Will travel insurance cover the cost of vaccination before I leave home?

No. Travel insurance is precisely that - it is for when you are traveling abroad or, if you’re from the US or Canada, traveling more than 100 miles from your home. We don’t cover medical costs in your home country.  If you decide to take the COVID vaccine before traveling we suggest you leave enough time for the vaccine to take effect (wait time after the final dose may vary from vaccine to vaccine so check with your GP on when its considered safe to travel). It’s always important to consult with your doctor to ensure that you get any vaccines recommended for where you’re traveling to and to get a clean bill of health. Your GP may also advise you if you qualify for an exemption to get the vaccine on medical grounds, for example pregnancy or if you are immunocompromised.

For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.


About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Did you know travel insurance covers...

You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team