Travel Insurance Cover for COVID-19 Related Events
Travel insurance may help if Coronavirus cancels your travel plans.
- As featured in:
As featured in:
- Emergency Medical and repatriation if you get sick with Coronavirus while overseas.
- Cancellation cover in the event of sudden illness or leave is cancelled and you are a member of the armed forces, police or a certified medical professional. Benefit limits, conditions and exclusions also apply.
Cover and benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Trip disruption cover Note: Check your policy wording for full details, including benefit limits, conditions and exclusions. |
YES | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself or a travel companion being diagnosed with COVID-19 by a medical practitioner, and certified as unfit to travel, or if an immediate relative is hospitalised or dies due to coronavirus, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans. The diagnosis of Coronavirus must be made after policy purchase.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and, wherever possible, request written reports from providers or local authorities.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
Contact our 24/7 Emergency Medical Assistance teams as soon as possible, so they can support you from the time you fall sick or get injured until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and travelling companion details for where you are now
- The nature of your problem
- Your location
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance Cover for COVID-19 Related Events
Travel insurance may help if Coronavirus cancels your travel plans.
- As featured in:
As featured in:
- Emergency medical and repatriation if you get sick with Coronavirus while overseas (if deemed medically necessary).
- Cancellation cover in the event of sudden illness (subject to confirmation by a medical practitioner that you are too ill to travel).
World Nomads travel insurance for Coronavirus and our plans
- Our Standard and Explorer plans offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas – cover includes medical assistance, repatriation and hospitalisation benefits along with some cancellation cover in the Trip Disruption section.
Benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Trip Disruption Cover Check your policy wording for full details, including benefit limits, conditions and exclusions |
Yes | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself or a member of your travelling party being certified as too ill to travel with COVID-19 by a medical practitioner, or if your immediate relative is hospitalised or dies due to coronavirus, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans. The diagnosis of Coronavirus must be made after policy purchase.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and wherever possible, request written reports from providers or local authorities.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
How to get medical assistance
Contact our 24/7 Emergency Medical Teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
• Your policy number
• A contact number and travelling companion details for where you are now
• The nature of your problem
• Your location
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamDomestic Travel Insurance
Travel insurance may cover your trips within Canada that are outside of your home province
- As featured in:
As featured in:
At a glance
- Single and annual plans for Canadians: World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents
- Domestic and international coverage options: In addition to international trips, domestic trips that are outside of your home province may also be covered
- Protection for medical emergencies, delays and disasters: Coverage for emergency medical expenses, trip delay, lost bags, natural disasters and more may be included (up to the maximum limits shown in your policy documents)
- Extra benefits on select plans: Some plans offer additional benefits such as coverage for pets and rental cars
- Why should I consider buying domestic travel insurance for trips within Canada?
- Included in All Domestic Travel Insurance Plans
- Exclusions
- Maximum Coverage Limits
- How to Make a Travel Insurance Claim
- Travel Ideas for Trips Within Canada
- FAQs
Why should I consider buying domestic travel insurance for trips within Canada?
Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Canada doesn’t mean that unexpected situations can’t happen. World Nomads offers single trip and annual multi-trip plans for Canadian residents, and coverage starts when you leave your home province. Sometimes situations like sickness, job loss, and natural disasters can disrupt your trip. As if that’s not bad enough, it’s worse when you lose the money that you already paid for your trip. If you need to cancel or interrupt your trip for a covered reason, you may be reimbursed for your prepaid, unused, non-refundable expenses such as hotel accommodations and tours.
If you get injured while skiing in Whistler or hiking in Banff National Park, your Government Health Insurance Plan may not cover all expenses. Full GHIP benefits typically stop as soon as you leave your province. Domestic travel insurance may include emergency medical coverage that covers expenses such as ambulance transportation, prescription medications and more. Lost, stolen, and delayed bags may also be covered, and some plans offer additional benefits, such as travel insurance coverage for pets and rental cars (up to the maximum limits as shown in your policy documents).
Included in All Domestic Travel Insurance Plans
Exclusions
- Pre-existing conditions, as outlined in your policy documents
- Injuries or sickness related to drug or alcohol use
- Non-emergency treatment that can wait until you return to your home province
- Expenses that are fully covered by your Government Health Insurance Plan or another party
- Participation in activities not listed as covered in your policy documents
- Travel within your home province
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Coverage Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per-item limit of $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per-item limit of $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD Get a quote |
How to Make a Travel Insurance Claim
Hopefully, your trip will go smoothly and won’t need to use your travel insurance benefits. But if your trip takes a turn for the worse and you experience a covered, unplanned circumstance, you’ll need to contact us as soon as possible and provide certain information that may include:
- Your name and contact information
- Your policy number
- The type of loss, as well as the amount
- The name of your travel suppliers
- The trip dates
- The amount you paid for your trip
You can then file a claim online. Depending on the reason for your claim, you’ll need to provide required documentation that may include:
- Receipts and invoices
- Itineraries
- A statement from your physician
- Written documentation from the travel provider that explains the reason for your loss
- Proof of payment for the trip such as cancelled cheque or credit card statements
Travel Ideas for Trips Within Canada
We Canadians love exploring within our country. Data from the Canadian Government shows that domestic trips are on the rise – by double digits, in some cases. If you’re looking for inspiration for your next trip, here are a few ideas from our nomads who’ve explored Canada and experienced some really cool things along the way.
- 4 Winter Wilderness Adventures in Central and Eastern Canada
- Sea Kayaking at Cape Broyle
- Rafting the Exploits River
- Camping in Newfoundland
- Zip Lining Marble Mountain
- Exploring Northern Manitoba, the Land of Endless Lakes
- A Road Trip Along Lake Superior’s Ontario Coast
- Finding the Northern Lights in Yellowknife, Canada
- The 8 Best Places to See Wildlife in Canada
FAQ
Here are our most frequently asked questions about cover for Canada. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Can I get a travel insurance plan if I’m travelling within Canada?
Yes. Your travel insurance plan from World Nomads is valid if you are travelling outside of your home province, even if that’s within Canada.
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Can I buy travel insurance after I’ve already left home?
Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online. If you buy a World Nomads plan while travelling, waiting periods and conditions may apply. There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. Also, after an event has occurred, like a natural disaster, you can’t be covered for that specific event.
-
Am I required to have a GHIP if I am travelling?
You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
-
If I own multiple homes, what is considered my home province?
Your home province is the one where you have access to a Government Health Insurance Plan and where you normally reside, not the one where your vacation home is located.
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Should I buy travel insurance if I’m travelling within Canada?
We suggest that you check the coverage in your Government Health Insurance Plan, as it could be limited when you travel outside of your province, and may only pay a small portion, if any, of your medical expenses. Also consider the amount of money you spent on your trip. When you get a quote for domestic travel insurance that covers trips within Canada, it will include benefits that may help with emergency medical expenses, trip cancellation, trip delay, baggage that is lost, stolen or delayed, and more (up to maximum limits as shown in your policy documents).
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If I’m taking a road trip with my pet, are they covered by travel insurance too?
The Explorer, Epic, and Annual Multi-Trip plans have additional travel insurance benefits for your cats and dogs. Emergency veterinary costs may be included for cats and dogs that are travelling with you (up to maximum plan limits shown in your policy). An additional benefit may also be included for cats and dogs that aren’t travelling with you, and you may be reimbursed for the additional expense you have to pay a kennel if a covered trip delay causes your pet to stay longer (up to maximum plan limits shown in your policy).
-
Does domestic travel insurance include rental car protection?
Rental car insurance benefits are only included on the Explorer, Epic, and Annual Multi-Trip plans for Canadian residents. You may be reimbursed for the cost of repairing a rental car, or replacing it, if it gets seriously damaged. You may also be reimbursed for roadside assistance charges if your rental car breaks down (up to maximum benefits shown in your policy documents). If you have questions about what may be covered, contact us and ask.
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)
Traveling during the busy holiday season
Travel tips to keep your holiday on track and on schedule during the busiest time of the year
- As featured in:
As featured in:
Travel tips for the one of the busiest times of the year... holiday season!
Ahh, holiday travel. Who hasn’t fantasized about bursting through the door with an armload of presents on Christmas Day, getting back home for Thanksgiving dinner, or maybe even just using that time off-work to get away? At World Nomads, we’re huge fans of travel during November and December… especially if it’s done right.
We know you’re itching to travel again. The world is waking to a new era of travel and while you want to launch heartily into the holiday season and explore new regions again, it’s important to plan ahead during peak travel periods so your much-needed holiday leaves a smile on your face.
Whatever your plans are for the holiday season you should consider purchasing travel insurance in case your dream vacation goes awry or is affected by coronavirus (COVID-19).
- What's covered
- Tips for the busy peak holiday season
- Things to look out for when considering travel insurance
What's covered
The following is a small sample of what World Nomads Standard and Explorer plans offer (up to the benefit limits) for:
- Coverage for extended stays: Having too much fun and want to stay longer? You can extend your policy before it expires for up to 12 months from its start date. You must not have had any change to your health, submitted a claim or intend to, or exceeded the eligible age limit at the time to be eligible to extend.
- Emergency medical and evacuation coverage: Our 24/7 Emergency Assistance Team can help you find a doctor and you can submit a claim to recover unexpected medical costs (up to your benefit limit). Our plans include emergency evacuation coverage for ambulances or transfers to an appropriate medical facility best suited for your care (subject to approval from us). Be sure to check the maximum benefit amount and terms of coverage in your policy.
- Baggage and personal belongings coverage: If your gear is damaged or swiped from under your nose, our gear coverage may help with replacing covered items (policy excess may apply).
- Activities coverage: We cover more than 150 sports and adventure activities, from ocean kayaking to mountain biking. Depending on your country of residence, you may need to include an insurance upgrade when you buy to have coverage for some activities. If you don’t have the right level of coverage, you won’t be able to claim if something goes wrong.
- Cover for Coronavirus-related events: Depending on your country of residence and the plan you choose, coverage can include medical assistance, repatriation and hospitalization benefits if you get sick with COVID-19 overseas. To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Traveler tip: Don’t forget to read the policy wording as all plans are different and coverage will depend on your country of residence. Never assume you’ll be covered in every situation, as benefit limits, terms and conditions and exclusions apply. If you are still unsure about what you are covered for, contact us.
Tips for the busy peak holiday season
Taking some simple precautions can be the difference between holiday season bliss and a trip you’d rather forget. Here are a few tips for making the most of that precious holiday time:
- Stay up to date: Our number one tip is to check with your government and the government authority of the country you’re heading to, or through, and familiarize yourself with any new or existing COVID-19 requirements for entry. Government travel advisories can change rapidly. Regularly check our travel alerts, and local news updates of the country you’re in. Depending on your country of residence, some of our Explorer Plans may cover coronavirus travel costs for cancellation and trip interruption due to coronavirus.
Traveler tip: Check your passport to make sure it hasn’t or won't expire soon. Some countries require at least six months of passport validity to allow entry. Be sure to review your and your travel companion’s passport details well in advance in case you need to renew a passport, as there have been big delays in getting passports renewed.
- Arrive at the airport early: Travel insurance can cover many unexpected events but arriving at the airport too late – by your own fault – isn’t one of them, sorry! Traffic jams, public transport delays, and finding a car parking spot can all create a nightmare when you’re trying to catch a flight. For those short holiday trips, just taking carry-on can take some of the stress out of battling your way to the bag drop counter hours before departure.
- Be prepared for flight cancellations and trip delays: We know daydreaming about your next vacation doesn’t include hold-ups but delays and cancellations are common during peak holiday periods as are COVID-19 operational delays. World Nomads Travel Insurance may protect you from some out-of-pocket expenses if your transport is overbooked, delayed or cancelled due to a covered event and you need to find alternative arrangements. Remember benefit limits and sub-limits apply.
Traveler tip: Try to find a direct flight rather than one with several connections, even if it costs more. You'll reduce the risk of missing connections, trip delays, and of losing your luggage during a transfer.
- Know your limits: At World Nomads we see people every holiday season who are seriously injured because they did things under the influence they would never do sober. Travel insurance won’t cover you for claims that occur when you’re intoxicated, so it’s never a good idea to go swimming at midnight or try that double back-flip on skis you could do when you were a kid. While under the influence of alcohol, a traveler is also a bigger target for pickpockets and thieves, especially solo and female travelers.
- Take safety seriously on (and off) the slopes: The Yuletide wonderland of the Tyrolean slopes can be a cold reality if your adventure turns into a skiing accident, or if your Christmas trip surfing at Bondi Beach turns into a nasty wipe-out. World Nomads’ plans provide cover for more than 150 adventure activities from snow sports to beach sports and a lot in between but not all activities are covered under every plan – you can find out what is available for your country of residence here. You may need to pay an additional premium for higher-risk activities or choose a different plan. Many activities also have specific conditions and exclusions such as altitude limits and diving limits.
- Book ahead: On top of the usual peak season crowds looking for tickets, restaurants and equipment to hire, nowadays health and safety requirements can mean fewer tickets and less capacity or equipment are available than usual. Booking in advance not only saves you from walking extra miles looking for that last remaining item, but also locks down prices in a time when skis at Banff or scuba gear in Indonesia are in high demand. Of course, sometimes you’ll want to take your own equipment and some of our policies may cover your sporting equipment if it is delayed or damaged in transit by a common carrier. Check your policy as benefit limits, terms and conditions apply.
- If you get sick while traveling: If you’ve sanitised in hourly rituals yet the New Year’s celebration in Rio still leaves you with a mystery illness, follow any local isolation requirements and contact our 24/7 Emergency Assistance Team as soon as possible to help you find medical support and treatment. You can submit a claim for prescriptions, doctors’ visits and hospitalization. Remember some countries require proof of travel insurance or payment upfront before receiving medical treatment. A doctor will need to certify that you are medically unfit to continue with your original travel plans to support your injury or illness claim. Keep all documents and receipts to submit with your claim.
Things to look out for when considering travel insurance
- Make sure you correctly choose the right trip dates, ages of each traveler, and level of cover.
- Ensure all your destinations are covered.
- Make sure you understand what a pre-existing medical condition is under our policy, as we do not cover these conditions unless noted otherwise in the policy wording terms and conditions.
- Some activities and sports may require an extra level of cover or may not be covered.
- Make sure you clearly understand the benefit limits and the excess as per the level of cover you’ve selected.
- Understand that there will be General Exclusions in your policy for which you won’t be covered under any circumstances.
- Make copies of travel documents and keep receipts in case you need to make a claim.
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.
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...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Hiking and Trekking
Simple and flexible travel insurance to take you trekking around the world.
- As featured in:
As featured in:
Whether it’s the trek or the view you’re chasing, the world’s great hiking destinations will leave you breathless. From Europe’s alpine trails to the mist-soaked rainforests of Costa Rica, hiking has a magic all its own.
Preparation is paramount to any hiking adventure abroad; learning about the area, checking the route and making sure you have the right gear in case bad weather rolls in. Along with a trusty map, it helps to pack travel insurance if hiking accidents stop you in your tracks.
What’s covered for hiking and trekking?
Are you an experienced Irish hiker looking for your next big challenge or are you happier on a relaxed family hike? No matter how adventurous your hiking plans, World Nomads plans may offer cover (up to the benefit limits) for:
- Emergency medical: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while hiking. You’ll first need to contact your private medical insurance (PMI) provider, if applicable, and follow their emergency procedures and claims procedures. Where your PMI provider cannot assist, contact the 24-hour Emergency Medical Assistance team. Expenses must be medically necessary and agreed by the insurer in order to receive reimbursement of your covered expenses.
- Evacuation: we offer approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to Ireland. Emergency transport is subject to approval from the 24-hour Emergency Medical Assistance team.
- Trip cancellation: has a sick or injured travelling companion put a stop to your hiking break? Your plan may be able to recover the unused non-refundable travel expenses.
- Gear protection: had your camera stolen while hiking in Thailand? Our gear coverage can help with replacing belongings that were swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
- Lost or damaged baggage cover: have your bags or personal items gone missing? You must report all theft or loss to the police as well as to the common carrier, service provider or other local authority as soon as possible. You must also get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report, copies of the original receipts and any luggage tickets.
- Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan may cover essential items you purchase while you’re waiting for your baggage to arrive.
- Coronavirus cover: we offer cover for some Coronavirus related events.
Choose a plan that suits your needs
Both our Standard Plan and Explorer Plan may offer many of the same benefits including cover for hiking or trekking up to 6,000 metres, you just need to select the maximum elevation you’ll be hiking to at the time you get your quote.
If you’re lucky enough to have some extra adventure or sport activities planned such as kayaking or mountaineering, check out our article on covered sports and activities, which will help you select the optional upgrades you’ll need to add to your plan when you buy your policy, you can’t add them afterwards. Terms and conditions apply, please read your Policy Wording carefully or contact us if you have any questions.
What’s not covered for hiking?
Sorry – we won’t cover you if you do something reckless (such as tackling an extreme hiking trip into a remote area when you’re only a beginner). Some things we don’t cover include:
- Pre-existing medical conditions as explained in your Policy Wording
- Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or expeditions to the Arctic or Antarctica.
- Search and rescue operations to find or rescue you as per your Policy Wording.
- Any adventure or sport activity you did not specify on your policy.
- 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 Medical Assistance team advise you to do.
- If you do not follow the local safety advice and warnings.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers, credit card issuers or other insurance policies.
- Medical treatment that can wait until your return to Ireland.
- If you don't keep your gear safe and secure at all times.
How to get the most out of your travel insurance
Before you head for the hills, the following tips can help you maximise your safety and validity of cover.
- Inform a local assistance company of your trekking route and policy details.
- If you require any medical treatment during your trip while outside of Ireland you first 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, please contact our 24-hour Emergency Medical Assistance Team before incurring medical costs.
- Check which countries your trail passes through to ensure your policy covers you for that region.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You can read more about hiking and travel insurance and 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.
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 died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go pro stolen?
- Gear damaged in transit?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about hiking & trekking insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Arizona to Zambia by helping cover some of those nasty accidents. For further info, click here
-
How do I get to the medical centre if I’m injured while trekking?
If you can, contact our Emergency Medical Assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call our assistance teams once you’re in safe hands. For further info, click here.
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What if the airline loses my gear?
If your gear is lost or damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Ski & snowboarding travel insurance
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why buy travel insurance when going skiing or snowboarding?
Big dumps, fresh tracks and bluebird days will make for an epic trip, yet accidents on and off the hill do happen, even to the most experienced sliders. If you’re just learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help you and your family when the unexpected hits your next winter adventure.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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
World Nomads loves the snow
As passionate ski bums, we’ve designed our plans to offer cover for the style of riding our Nomads love the most*:
- Skiing and boarding within resorts
- Cross country skiing on marked trails
- Terrain parks, heli-skiing & heli-boarding
- Snowmobiling, ice skating, snow rafting & more
*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport upgrade for your trip.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about snow sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when skiing or boarding?
We’ve tried to give you the freedom to learn or hone your snow skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured on the mountain?
Contact ski patrol to get immediate local assistance if you’re on the hill. If you’re already in the village, contact our Emergency Medical Assistance team so that they can direct you to the nearest medical facility, help arrange treatment or emergency transport if required. For further info, click here.
-
What if the airline damages my board/skis?
If your gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalised because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Scuba Diving travel insurance
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why buy travel insurance when going scuba diving?
Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Scuba diving (qualified divers to 30 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Snorkeling, island escapes, live-aboard trips, and more
*Note: All plans are different and may require an upgrade to go scuba diving. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about scuba diving insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency medical assistance team so that they can help to the care that you need. For further info, click here.
-
What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer can help cover these costs upfront. Contact the Emergency Medical Assistance team where urgent medical assistance is required. For further info, click here.
Travel Insurance for Overseas Accidents
What's covered by travel insurance when your adventure turns into misadventure.
- As featured in:
As featured in:
Knowing your cover for accidents overseas is a critical part of planning for any adventure. Whether you’re exploring on the grid or hurtling off it, serious accidents can happen anywhere, anytime.
Does World Nomads travel insurance cover medical expenses overseas?
Yes. You’ll first need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and their claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.
What’s covered by World Nomads travel insurance if I have an accident overseas?
If you’re injured in an accident, Irish residents may be covered for emergency medical treatment overseas including:
- Hospitalisation.
- Day surgery and out-patient treatment.
- Visits to registered medical practitioners.
- Medical evacuation including air ambulance, where medically required.
Our 24-hour Emergency Medical Assistance Team can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, and give support to your family.
What’s not covered?
- If you’re intoxicated due to excessive intake of drugs or alcohol.
- If you’re doing an activity the policy doesn’t cover.
- If you’ve been acting recklessly or illegally.
- If you ride a motorbike without a helmet or the correct licence.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Emergency Assistance for travel accidents
It's essential that you get in contact with our Emergency Medical Assistance Teams as soon as possible so that our teams can support you from the time you get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Moped Accident in Koh Tao.
I was injured in a moped accident, in Koh Tao, Thailand. The moped turned over onto my foot and I had sprained/injured ligaments and tendons in my left foot. I was unable to walk on my foot at all. The doctor gave me a bandage in lieu of a cast, and crutches, stating that I could not bear any weight on my foot for a minimum of three weeks. I was also told to rest my foot, and could not do so while traveling. I needed to come back to the US for help getting around as well as time to heal.
Claim Paid: $620.22
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about emergency medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance pay for my accident upfront or do I have to pay and claim?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
-
Will I get an upgrade if I am sent home?
The team will organise for you to go home in a way that's medically necessary. If it's not medically necessary, you won't be getting an upgrade.
Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
- As featured in:
As featured in:
Recent world events have shocked most of us with terrorist events on our doorstep and at many of our favourite holiday destinations.
Our travellers know that staying aware at all times is key to staying safe, but there are some things you can never anticipate, and a terrorist event is one of those.
What can travel insurance cover if there's a terrorist attack?
In the event of a terrorist attack, our travel insurance offers limited cover:
You decide to stay and travel: If you decide to stay and travel, as long as there is no directive from the Irish Department of Foreign Affairs (DFA) or a similar body recommending evacuation, your policy will continue. There is still an exclusion for events related to terrorist activity, except for your medical expenses overseas if you are injured due to a terrorist event.
You’re injured or die in a terrorist attack: If you bought your policy on or after 1 August 2019 and you’re injured or die in a terrorist attack, our policies may provide cover for emergency medical and dental assistance overseas. You can’t have travelled against the advice of the Irish DFA or participated in the terrorist activity (obviously).
Our 24/7 Emergency Assistance team can help you navigate next steps if you’re caught up in the chaos and aftermath of an attack and are trying to continue your trip.
What’s not covered by travel insurance if there's a terror attack?
Terrorist attacks are understandably traumatic. If you’re worried one might occur, or following an attack you want to travel elsewhere or go back to Ireland, we consider that to be a change of mind and we won’t cover you for those costs to change your plans.
In addition, our policy does not cover:
- If you choose to travel to a destination for which the Irish DFA has advised against all, or all but essential, travel.
- Non-medical evacuation
- If you change your mind.
- Any pre-trip cancellation expenses.
- If you decide to return to Ireland early.
- If you have to leave where you are staying and leave your stuff behind, you will not be able to replace it.
- Buying a policy after the event happens will not cover you for any event-related injuries
You must also remember that if you knowingly put yourself in danger you may void your travel insurance. This means if there’s a warning of a terrorist attack or you were likely to have had knowledge there might be one, and you put yourself at risk by travelling to or staying in the vicinity of that area, then your cover may be void.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
How to get help if you're hurt in a terror attack
It’s essential you get in contact with our assistance teams as soon as possible so that our teams can support you from the time you fall sick or get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number
- The nature of your problem
- Your location
Terror Attacks in Paris.
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
US Traveller
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
Some policies do cover you for cancellation however most exclude it. Do check your policy when you get a quote.
-
Can you refund the rest of my policy because I’ve returned home early?
No. If you’ve travelled on your policy, there are no partial refunds.
-
What if I have to leave my baggage behind?
Unfortunately there’s no cover if you leave your baggage behind.
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 team