Why buy travel insurance?
Wanting to know more about travel insurance and what it does?
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In most cases, traveling overseas goes without a hitch. So, you may be asking yourself, “why would I need travel insurance?”.
- Want more of our plan details?
- Cancellation cover
- Baggage and valuables cover
- Cover for Coronavirus-related events
- What you should look out for when considering travel insurance
Travel insurance may not always be required, but when that illness, injury, baggage delay or trip interruption occurs, and you’re left out in the cold it could come in very handy. World Nomads may offer travel insurance for several events, some of these include:
- Hospitalization due to a severe injury or illness
- A flight is delayed or canceled
- If your bags and valuables are delayed, stolen or damaged
- When you urgently need 24-hour Emergency Assistance
- If you’re planning to be active and doing outdoor adventures (we offer over 200+ activities, sports and experiences)
- If you need cover for a multi-destination trip
- If you’re travelling with family and need cover for dependants
- Cover for some Coronavirus-related events
If you’re still not convinced, then consider the following: you’re overseas on your European ski trip enjoying the French Alps, you have a bad skiing accident and end up in hospital injured. Depending on your injuries your recovery could take days. You may also need to think about medical repatriation, paying for extra accommodation, prescribed medication, and any other unforeseen costs.
We always want our travelers to enjoy their holiday, but it doesn't always go smoothly. Luckily, we’ve seen great outcomes from countless cases where our customers were covered under our Standard or Explorer plans. Many happy customers have received the timely assistance they needed without needing to max out their credit card and avoided some major headaches along the way.
Traveler tip 1: if you’re in need of urgent medical assistance, all you have to do is call the 24/7 Emergency Assistance Team. They will guide you through issues such as: providing assistance on how to recover a lost or stolen passport; directions to the nearest medical facility; and, if necessary, determine how to safely transport you back home; and much more.
Want more of our plan details?
You can compare our Standard and Explorer plans and prices through getting an instant online quote.
Here are just some reasons travel insurance may be a good idea to consider on your next overseas vacation:
Overseas medical and dental cover and medical evacuation
If there's one big reason to consider buying travel insurance, this is it. In many cases, if you get sick, the hospital won't treat you without upfront payment or providing proof of an insurance policy. World Nomads travel insurance can cover overseas emergency medical expenses including:
- Hospitalization
- Out-patient treatment (that doesn’t require hospital admission)
- Prescribed medicines
- Dental care
- Transport to get you home for ongoing treatment if we decide it's medically necessary.
This is not a full list of what's covered. There are limits and conditions that apply, so for more information check out our article on overseas medical coverage, and read your policy carefully before you buy.
Cancellation cover
Have to cancel your trip? When you start paying for your airfares and accommodation, it makes sense to protect what you've spent in case you can't travel. All our policies can help cover flights and accommodation if:
- You become sick or injured
- You, your traveling companion or a family member suffers a serious covered illness or injury
- You, your traveling companion or a family member dies
- You can't stay at your destination because it's uninhabitable due to a natural disaster
If you have to cancel your trip for a covered reason, our travel plans may help save you money and time, but if you don’t have insurance, you could be paying for a trip you were unable to take and many more headaches.
Baggage and valuables cover
Bags can go missing from airline check-ins and things get stolen when left unattended while on holidays. If you are taking several bags and have valuables such as skis, a camera and lenses, or a fancy designer dress that you would like to cover, then our policies can help with cover for high-value items in case of loss, theft, or damage when your bag is checked in with a carrier or because of a theft. We can also cover your essential items if your bag is delayed – think toiletries, underwear, a clean shirt, and some socks.
Cover for Coronavirus-related events
Coverage for any COVID-19-related events under our Standard and Explorer plans will depend on your Country of Residence and the plan you’ve selected. If you are diagnosed with COVID-19 while overseas, your benefits may include:
- 24/7 access to our Emergency Assistance Team, who can help you access local medical care
- Medical costs including hospitalization
- Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.
Some of our Explorer plans also offer cover for some additional COVID-19-related events such as cancellation following a diagnosis to assist our travelers. To find out what cover applies to you, read our What's Covered for Coronavirus? article, which has all the details, including benefit limits, terms and conditions, and exclusions.
Note: don't forget to read the policy wording when you hit the quote button as all plans are different – don't just assume you are covered in every situation, as terms and conditions, benefit limits, and exclusions may apply.
Buy or extend travel insurance while overseas
With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere, we are happy to extend your policy if it's done before the end date shown on your Certificate of Insurance.
Traveler tip 2: if you buy a policy while traveling overseas, there may be a waiting period before your cover is activated. The maximum duration available for any policy, including extensions varies based on your country of residence. For some regions it is 12 months from the start date indicated on your Certificate of Insurance, except for US and Brazil-based residents which is 180 days.
What you should look out for when considering travel insurance:
- Make sure you correctly choose the right trip dates, age limit, and level of cover.
- Ensure all your destinations are covered.
- Make sure you understand what a pre-existing medical condition is under our policies (coverage varies by country of residence).
- 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 cover 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.
Watch Anton's true claim story
I fell on my side and heard the sound of a dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.
Anton,
World Nomads customer from Iceland
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Want all the details?
You can compare the Standard and Explorer plans and prices through getting an instant online quote.
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
- Come to a sticky end?
- Called to jury duty?
- 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 drugs?
- 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?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for the Caribbean
Essential travel insurance tips
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- What's covered when traveling in the Caribbean
- Five top things to be aware of when traveling in the Caribbean
- What's not covered?
- Looking for more travel inspiration for the Caribbean?
Sun, sandy beaches and azure blue waters to enjoy – the Caribbean is an island paradise just waiting to be experienced! Whether you’re going on an island cruise, visiting one of 22 UNESCO heritage sites or hitting up local markets for a bite of famous jerk chicken, consider our tips on traveling in the Caribbean to get the most out of your trip.
What’s covered when traveling in the Caribbean
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around the many islands of the Caribbean. All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
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.
Five top things to be aware of when traveling in the Caribbean
- Severe Weather
Hurricanes and tropical storms are among the biggest threats of your trip turning upside down. If your flight or cruise has been cancelled, or your hotel is unable to accept visitors, you may qualify for trip cancellation or interruption benefits, depending your Country of Residence.
Traveler tip: timing is key: You need to have bought your travel insurance plan before the storm was announced on TV or through major news sites and government sites. You also won’t be eligible for coverage if you cancel because of a few knocked-down trees, or the forecast is cloudy and gray.
Stay up to date with the latest travel alerts and warnings for the Caribbean here.
- Street Crime
Street crime and petty theft, such as pickpocketing and mugging, are unfortunate realities in the Caribbean. 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, which you’ll need if you make a claim).
Our 24/7 Emergency Assistance team can provide 24/7 365 days assistance when you are in a medical crisis, such as helping to locate health care facilities, providing a medical transfer to a hospital or repatriation to your home country where necessary, and getting in touch with family members in case of an emergency.
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 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 travelling (a waiting period may apply for some benefits).
- Adventure awaits!
The Caribbean feels like a non-stop adventure, from snorkelling in crystal-clear water and trekking amid cloud forests, to swimming under cascading waterfalls. The great news is that our travel insurance policies offer coverage for more than 150 activities, experiences and sports including:
- Scuba diving and snorkelling
- Sailing
- Horse riding
- Hiking
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.
Keep in mind that certain adventures may also have special conditions and exclusions which, if you don’t comply, could affect your coverage. These could be getting certification for your activity, or booking the excursion with a qualified, licensed operator and abiding by safety practices, whether or not or they’re a part of the local law.
- Medical Emergencies
Surfing accidents, sunburn and dehydration, food poisoning, or in the worst case scenario an act of violence. Major and minor occurrences can happen in the Caribbean, which is why our plans cover emergency medical expenses if you fall ill, get into an accident or get hurt on your trip. If you experience a medical emergency whilst on holiday in the Caribbean, be sure to contact our 24/7 Emergency Assistance team, who will need to approve your surgical procedures, medical treatment, or evacuation, otherwise your coverage may be reduced or impacted.
Traveler tip: be sure to get reports, documentation and receipts if you need medical care, as you will need these to support your claim.
- Passports and Visas
Depending on your Country of Residence you may not need a Visa to travel in the Caribbean. Keep in mind that the Caribbean is made up of 13 countries, each of which have their own rules and regulations. Be sure to check the requirements before you arrive.
Keep your passport safe by locking it in a hotel or hostel safe and avoid carrying it around. It’s also wise to leave a copy with someone you trust back home, as well as a digitally secure copy of your passports and Visas.
If your passport is stolen, our policies may help cover some of the extra costs while you arrange an emergency replacement passport. Be sure to check the policy wording for coverage conditions.
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?
Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered for. Some of the events we don’t cover include:
- Pre-existing medical conditions: see the policy wording for details.
- Activities and sports: participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium or requirement.
- Not following doctor’s orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Leaving valuables unattended: stolen, lost or damaged personal belongings that were left unguarded.
- Recovering expenses: 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.
- Not following travel advice: if you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
Looking for more travel inspiration for the Caribbean?
Check out some of our other articles and information to help you plan your ideal Caribbean adventure including:
- Our guide to travelling the Caribbean
- 5 unforgettable experiences in the Caribbean
- How to stay safe while traveling the Caribbean islands
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 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 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 Portugal
Learn how travel insurance could cover your trip to Portugal.
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Portugal boasts endless opportunities to explore culture, bustling cities, beaches, wine regions, history, and culinary experiences. As you plan an itinerary that includes Portugal’s breathtaking architecture in cities like Lisbon, the wine scene of Porto, the scenic Azores Islands, and the coastal sophistication of Algarve, considering adding travel insurance to your list may be a good idea to protect your trip investment and your possessions.
Learn about World Nomads travel insurance coverage before you go.
- Delayed, lost or stolen baggage
- Overseas emergency medical expensess
- 24/7 Emergency Assistance Team
- Cover for adventure activities and sports
What's covered for travel to Portugal?
Delayed, lost or stolen baggage coverage
It’s always a worry when you fly internationally that your bags might not arrive when you do. The same is true if your baggage, sporting gear or personal items are stolen while you’re on vacation. If while in the Algarve, your golf clubs are stolen during a leisurely lunch, your policy may cover this loss.
World Nomads may cover (up to the policy limits) the loss, theft or damage to your baggage or personal belongings depending on your specific situation. Here are more details:
- Stolen or damaged luggage: As soon as you realize your bags or possessions have been damaged, lost, stolen or misdirected, file a report with your airline carrier, your tour operator, a hotel or restaurant manager, or the local authorities. You will be asked to provide this documentation when filing your claim. Generally, travel insurance won’t cover events where your baggage or personal items are left unattended. For instance, if you left your backpack unsupervised in the hotel bar, travel insurance may not cover this loss.
- Delayed baggage: Your World Nomads policy may provide cover if your bags were lost in transit to Portugal. The first thing to do is file a report with your airline, and then keep your paperwork organized so you will have this documentation to file a claim. Your baggage delay benefits may provide reimbursement for a change of clothes and some personal care items until you are reunited with your luggage. Waiting periods may apply and the cover available depends on your country of residence.
Your policy may also protect your personal belongings while on vacation. While traveling, to reduce the risk of theft, keep your valuables close. It’s a good idea to store travel documents, cash and credit cards in a money belt or cross-body bag at all times. Although Portugal is a safe European country, petty theft is more likely to occur in busy tourist spots in Lisbon and Porto. Don’t put valuables in your back pockets. Also, when traveling, keep receipts for all purchases.
Overseas emergency medical expenses
When traveling to Portugal, consider having travel insurance that can cover overseas emerency medical expenses, as your domestic health insurance is unlikely to be accepted abroad. If you become ill or injured while traveling in Portugal, without the right cover you need for emergency medical expenses, you’ll be responsible for paying any out-of-pocket costs for medical care, dental care, or in the worst-case, transport back to your home country.
You could twist your ankle on a cobblestone street during a walking tour or suffer a concussion while riding a bike in Southern Portugal, so having a policy with cover for overseas emergency medical expenses could be helpful for unexpected events that can happen.
Cover for some COVID-19 related events
Depending on your Country of Residence and the travel insurance plan you choose, you may have access to Coronavirus (COVID-19) coverage for certain events. To find out what cover applies to you, select your Country of Residence and read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, terms, conditions and exclusions.
24/7 Emergency Assistance Team
Handling a medical emergency is unsettling. The 24/7 Emergency Assistance Team may help you to identify appropriate medical care, act as a liaison with medical providers, and assist with arrangements including upfront payment of medical care if deemed necessary.
Portugal is a melting pot of cultures, and you may not understand the local language. Just call the 24/7 assistance team to help with translation services in an emergency.
Cover for activities and sports when in Portugal
If you plan to surf on Portugal’s west coast in Nazare, or go zip-lining in Ribeira da Salga, World Nomads offers travel insurance coverage for 150+ activities and sports.
Read your policy carefully to ensure your chosen activities are listed and covered. Contact us if you need help or have any questions.
New Entry/Exit System (EES) starts October 2025
If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.
The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.
Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
ETIAS delayed until 2026
The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.
Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go.
The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.
While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.
Learn more about the ETIAS by checking out our Travel Wiser article.
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 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 South America
Learn more about World Nomads travel insurance for your trip across South America.
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Essential Travel Insurance Tips - South America
Stunning South America is where you can find some of the world’s oldest treasures, including the remnants of the ancient Incan empire in Peru, and the Aztec and Mayan empires from Mexico.
You might be taking a road trip from north to south from Laredo, Mexico to Buenos Aires, Argentina, a cool 7,244 mi (11.658 km), exploring the whole continent slowly, or enjoying a short break a short break in Argentina, Peru or Brazil. Wherever you visit, you’ll be with lasting memories of beautiful beaches, ancient cultures and vast landscapes.
While traveling through South America, it’s a smart move to consider travel insurance as the safety net that helps when things don’t go to plan, with a 24/7 Emergency Assistance Team available and travel insurance benefits.
Travel Insurance can offer cover for:
What’s covered?
When traveling through South America, World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan.
Both plans offer cover for things such as lost baggage and emergency medical evacuation, however, the Explorer Plan offers higher benefit limits and cover for a wider range of activities. If you know you’re planning to tackle some adventure sports, check our list of activities to decide which travel insurance policy best suits your needs.
South America is great for travelers seeking adventure, but if you’re planning to go white-water rafting on the Mendoza River or glacier walking on the Perito Moreno Glacier, and an accident happens, travel insurance could help with reimbursement of medical expenses or the cost of evacuation should a physician advise it’s necessary.
Whenever you leave home to travel overseas there are risks – it’s important to remember travel insurance isn’t designed to cover everything so you should take the time to understand what your policy covers you for.
The obelisk on Ave 9 de Julio in Buenos Aires, Argentina. Photo credit: Getty Images / Andrew Peacock
What should I look out for when traveling to South America?
Getting away from the ‘gringo trail’ (the tourist hotspots) and discovering a more authentic South America will make for holiday memories that stay with you long after you return State-side. Whether you visit Chile’s Marble Caves, explore Lamas Castle in Peru, or take in the stunning Hill of Seven Colors in Purmamarca, (locally called the Hill of Seven Skirts), South America has an array of experiences for the adventurous traveler.
However getting away from the bright lights can also be risky as armed robbery is a possibility in some South American countries. Always stick to well-lit areas at night and avoid traveling alone. But if the unthinkable happens, your life and your safety is paramount so don’t try to save your wallet if it means risking your life. Your things can be replaced, but you can’t.
- Cover for activities and sports when in South America: Hiking to Choquequirao through the cloud forest above the Apurimac River is a great way to explore Incan civilisations, but you’ll need to know the height of your hiking trail to make sure you’re covered by the right plan – check the plan details before you buy to make sure you’ve the cover you need. It’s advisable that you plan the sports and activities that you’re doing and then check the list of covered activities to see if you need the Standard Plan or the Explorer Plan.
- Access to our 24/7 Emergency Assistance Team around the clock: World Nomads travelers have access to 24/7 Emergency Assistance. If something goes wrong and you need help, contact our team. They can help get you find local medical facilities if needed, provide local consular details and information and in the worst-case scenario, help get you home if you’re seriously injured or ill and need to be repatriated. When you call (free from anywhere in the world), make sure you have your policy number and a contact number for where you are so we can help.
- Overseas medical insurance and cover for Coronavirus-related events: There’s no denying that the way we travel has changed following the impact of coronavirus. Depending on your Country of Residence and the travel insurance plan you choose, you may also have access to Coronavirus (COVID-19) coverage for certain events. Some of our plans offer:
- Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with COVID-19 while overseas;
- Cover for some additional Coronavirus-related events such as cancellation following a diagnosis to assist our travelers on the Explorer Plan.
To find out what cover applies to you, read our What’s Covered for Coronavirus article which has some of the details, including benefit limits, conditions and exclusions.
- Lost, stolen or delayed baggage cover: Overseas travel can bring all kinds of unexpected surprises and traveling to South America is no different – the sheer deliciousness of a street vendor’s pao de queijo (cheese bread), the kindness of a helpful stranger, the beauty of a beach sunrise. These are the moments you will remember. But it’s important to be prepared for everything – the theft of your wallet and passport while you sleep, your rental car being damaged or stolen while you hike an Incan trail, or the garden variety luggage being lost by your airline carrier. World Nomads travel insurance offers cover for many of life’s unexpected and unwelcome surprises.
Travel insurance tip
If something is stolen, make sure you report it as soon as possible after you’ve discovered the theft and as you buy items keep receipts of your purchases as proof of purchase in case you need to make a claim in the future.
What’s not covered?
Understanding what’s not covered is just as important as knowing what your insurance does cover you for. Things that won’t be covered by travel insurance include:
- Gear that was stolen from an unattended car (even if it was locked)
- Medical evacuation or repatriation for any incidents related to drug and alcohol abuse, or that is not pre-authorized by a physician
- Medical costs related to a pre-existing condition
- Not having visas or passports issued on time or properly fulfilling the entry requirements of your destination.
- Leaving your gear behind, or not keeping an eye on your things and they get stolen.
- Business equipment.
If you’ve any questions, or are unsure if something is covered, please contact us for more information.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- 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 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 Thailand
Whether you are island hopping in the south or riding the rail to the north, learn how travel insurance for Thailand can help visiting Americans.
- 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 Thailand 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 Thailand (scuba diving and rock climbing included!)
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Thailand?
- Travel insurance for activities in Thailand
- Travel insurance for motorbiking in Thailand
- Travel insurance for medical emergencies in Thailand
- Travel insurance for lost bags in Thailand
- Travel insurance for canceled, interrupted, or delayed trips to Thailand
- Tips for traveling to Thailand from the United States
Thailand welcomes thousands of American travelers each year. Whether you’re checking out the Bangkok nightlife, the water buffalo races in Chonburi, or have your sights set on more off the beaten path spots in Thailand like Chaloem Rattanakosin National Park, there are plenty of adventures to be had in Thailand.
As nomads ourselves, we’ve had our share of fun times. We’ve danced the night away in Ko Pha-Ngan at Thailand’s epic Full Moon Parties, trekked through the jungle, and enjoyed flavorful local dishes like Khao Soi and Pad Thai. And we’ve learned a few things along the way and love to share our Thailand travel tips.
Our first tip: anything can happen on an international adventure, so we encourage you to explore travel insurance* for Thailand to protect your vacation.
Do I need travel insurance for Thailand?
When you’re planning your trip to Thailand, there are some things you just can’t foresee. We had a claim from one of our nomads who needed surgery after they broke their leg in Koh Samui. We had another claim a nomad who had a camera stolen on the crowded streets of Khao San Road in Bangkok. These events definitely weren't planned, but a World Nomads travel insurance plan for Thailand may help if you run into trouble on your overseas adventure.
With any overseas travel, there’s always going to be some things you can’t plan for - like canceled trips, natural disasters, medical emergencies, and delayed baggage. Because of these unforeseen situations, you may want to consider travel insurance. There are four plans to choose from, and when you get a quote, you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in Thailand
Your Thailand adventure may take you surfing in Phuket or kayaking the Run Tee River. You may also decide to hike to Tarn Lod Yai, a massive ancient sea cave. World Nomads travel insurance covers more than 250 activities for Americans traveling to Thailand - including surfing, kayaking, and hiking.
Not all plans cover every activity. We recommend that you think about the types of adventures and activities you’ll be doing before you get a quote for travel insurance for Thailand. This will help you select the best plan for your trip.
For example, if you want to go bungee jumping in the mountains of Chiang Mai, you’ll be covered by all plans, including the Standard Plan. If you plan on upgrading your daredevil adventures envision yourself cliff jumping in Tanote Bay on Koh Tao, go for the Explorer or the Epic Plan which has wider coverage.
Travel insurance for motorbiking in Thailand
Motorbiking is common in Thailand, and in some instances, it could be covered by your travel insurance plan- but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.
We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Thailand because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The rules of the road and the road quality itself can be very different from back home in the United States. Motorbike accidents are quite common (it’s one of our most common claims) and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Thailand won’t cover you.
If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Thailand before you leave the USA. You can get specific license requirements for Thailand on the US government’s website.
Travel insurance for medical emergencies in Thailand
Before you leave the United States, we recommend you book an appointment with our Pre-Departure Telehealth service. This non-insurance service offers online consultations 24/7 and can help you obtain necessary medications before you take off for Thailand, such as certain vaccinations or antimalarial medication. We also recommend packing a strong mosquito repellent, as this can help protect you from things like dengue fever and malaria.
While these preparations can help, there’s still a chance you could get sick or injured during your travels in Thailand. If you get lunch from a street vendor and get traveler’s diarrhea or if you're stung by a poisonous jellyfish off Koh Lanta, emergency medical travel insurance could reimburse you for certain medical expenses.
In the event that you get hurt while hiking in a remote jungle in Thailand, you may find limited medical services available. The 24/7 emergency assistance team can refer you to a place that offers the level of care you need. They can also help communicate with your medical team if they don’t speak English.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the United States to get medical care, the repatriation coverage that is included in your travel insurance for Thailand may cover the costs to get you there.
Travel insurance for lost bags in Thailand
If you’re headed to the beautiful Phi Phi Islands for a beach getaway, you’ve likely packed one (or five) new swimsuits. If you check your bags in the US and then realize that the airline lost your bag, don’t fret.
With some luck, the bag just took a detour and will eventually make its way to you. Even a delayed bag can be stressful though. If this happens, with your travel insurance for Thailand, you may be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
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.
Travel insurance for canceled, interrupted, or delayed trips to Thailand
Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip. When you’re choosing your travel insurance for Thailand, look for plans that cover unexpected trip interruptions.
Thailand is in an active seismic zone, and there’s the possibility of natural disasters that can affect your travels. If your trip to Krabi is canceled because an earthquake has destroyed your destination residence or the US government issues an advisory against travel to the destination, country, or region listed on your itinerary (and the advisory is issued after the date you paid for your prepaid travel arrangement and after the date you purchased your plan), your travel insurance for Thailand could help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance.
Natural disasters can cause all sorts of delays along the way, too. Say you have a missed connection when traveling to southern Thailand to catch a cruise due to a storm. The Explorer or Epic Plan can help reimburse costs if you must pay to catch up to your planned group tour.
Or, maybe you arrive home later than anticipated because your flights back to the US are canceled or delayed due to a natural disaster and you incur additional fees to keep your pet at the kennel longer. The Explorer or Epic Plan helps cover those costs as well.
Sometimes a situation out of your control arises or you just simply change your mind about a trip. CFAR (cancel for any reason) is an optional add-on benefit to your Explorer or Epic Plan that will give you an extra safety net on your vacation. You must purchase this during the time sensitive period, though. If you need to cancel your trip for any reason not covered by your existing plan, this benefit allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise, flights or a cultural excursion.
Tips for traveling to Thailand from the United States
Before you leave the United States, we encourage you to check out the US government’s safety warnings for Thailand to review their up-to-date warnings that may include advisories on weather or political situations.
If you purchase travel insurance for Thailand, it’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your phone so you don’t have to search for that if an emergency happens.
You may have opportunities to see exotic animals such as elephants, tigers, and gibbons. You don’t want to contribute to the suffering of these majestic creatures so make sure to educate yourself on ethical wildlife encounters before you go. A few tips: never ride an elephant or take selfies with captive animals – doing so only harms their species.
Read up on what to know before you go to Thailand—and remember to have fun!
*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.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 China
A guide for Americans heading to China
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel protection plans for your trip to China. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in China like hiking, biking and whitewater rafting.
- Plans for Americans include protection for medical emergencies, trip issues and lost luggage.
China is a big country. High-speed trains link major cities, but the pace slows down through smaller towns and rural regions. In Beijing, visit the vast courtyards of the Forbidden City, join the throng of daily life on Gui Street, trying street food as you wander, and hop a train to the Great Wall of China. Shanghai is all glass towers and neon-lit streets, but you can walk into the city’s colonial past along the Bund. It’s also worth traveling to see the underground army of Terracotta Warriors in Xi’an, cruising between the limestone peaks of the Li River near Guilin, and a whole lot more. Wherever you’re headed, being prepared with travel insurance can make all the difference.
Plan Comparisons
Choosing the right travel protection coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip to China. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available.* Get a quote |
Ideal for: Coverage Includes:
|
Travel insurance for adventure activities in China
Getting your heart rate up in China is easy. Hike rugged sections of the Great Wall, where steep stone steps and uneven paths make it far more challenging than it looks. In Zhangjiajie National Forest Park, challenging trails wind between towering sandstone pillars and cliffside walkways add to the thrill. Further west, in Yunnan, take a multi-day trek through Tiger Leaping Gorge, one of the deepest river canyons in the world (walk over the glass bridge if you dare), while in Sichuan, Mount Emei combines hiking with steep ascents and dramatic viewpoints (go in spring or autumn for the best weather). Winter brings skiing to resorts near Beijing and in the northeast around Harbin, while warmer months lend themselves to cycling through Yangshuo’s karst landscapes or rafting sections of the Yulong River.
Coverage for activities in China
Common insurance considerations for China
Accidents and emergencies
No one likes imagining the worst, but if you do get sick or have an accident that sends you to the hospital, you’ll be glad you purchased travel protection before you left home.
Fell down some steps at the Great Wall of China? Wiped out rafting the Yulong River and ended up in the hospital? Ate dodgy dumplings and got a bad bout of food poisoning? Emergency assistance is a phone call away. All World Nomads plans include non-insurance services like portable health records. This enables medical staff to access your records 24/7. Having that information available may be critical if you experience an unexpected medical emergency while traveling.
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel protection plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about traveling? There’s no judgment here. Just make sure you purchase the Cancel For Any Reason benefit within 7 days of making your first trip payment (like booking a hotel or flight) and remember to cancel no later than two days before your departure date. Additional cost, terms and conditions apply; not available to New York residents.
Emergency evacuation
If you get sick or injured and your condition is acute, severe, or life threatening and you’re far from suitable medical facilities, emergency evacuation and repatriation coverage may help get you the care you need. It may cover, up to the maximum benefit amount, to get you to the closest suitable medical facility or to your primary residence for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies.
Trip interruption
No matter how good of a time you’re having in China, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get injured or sick while you're traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips we recommend for travelling to China
- Set up key apps before you arrive, including translation tools and mobile payment platforms like WeChat and Alipay, as cash is used less often in cities
- Download maps for offline use or use a VPN if needed, as some websites and apps are restricted
- Carry your passport with you, as ID checks are required for trains, hotels and some attractions
- Learn a few basic Mandarin phrases or have them saved on your phone – English isn’t widely spoken outside major tourist areas.
FAQ
Here are our most frequently asked questions about cover for China. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do Americans need a visa to visit China?
Yes, Americans generally need a visa to visit China, however sometimes there are ‘visa-free periods’. You’ll need to apply in advance, and requirements can change, so check the latest information before you travel.
-
Is China safe for travelers?
China is generally considered safe, with low levels of violent crime. Petty theft can occur in busy areas, so keep an eye on your belongings. You may want to consider travel insurance for unexpected situations.
-
What is the best time to visit China?
Spring (April to June) and autumn (September to October) are the most comfortable times to visit. Summers can be hot and humid, while winters are cold, especially in the north.
-
Can I use Google, Instagram and other apps in China?
Many Western apps and websites are restricted in China. Travelers often use a VPN to access them, but regulations can change.
-
What currency is used in China?
China uses the Chinese yuan (RMB). Mobile payments via apps like WeChat Pay and Alipay are widely used, especially in cities.
-
What is the best way to get around China?
High-speed trains are one of the easiest and fastest ways to travel between cities. Domestic flights are useful for longer distances.
-
Can I drink tap water in China?
Tap water is not recommended for drinking. Stick to bottled or boiled water.
-
Do I need travel insurance for China?
Travel insurance isn’t mandatory, but it’s strongly recommended. Benefits for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness. All World Nomads plans for US residents include insurance benefits and additional non-insurance services like access to pre-trip medical support. A telehealth consultation can help you with a customized medical plan based on your destination. This may help you prepare for health concerns before you go and the best ways to avoid travel-related illnesses.
-
What if my bags are lost or stolen?
Travel insurance benefits for lost, damaged, destroyed, stolen or delayed bags are included in all World Nomads plans. Also, our non-insurance service included in every plan assists with tracking and delivering missing checked bags.
-
How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload and get started. If you get stuck, you can call us collect on +1 844-207-1930 and we can assist you with your claim.
-
How do I avoid getting sick in China?
Take sensible precautions with food and water (stick to bottled water) and check which vaccinations are recommended well in advance of your trip. All World Nomads plans for US residents include additional non-insurance services like access to pre-trip medical support. A telehealth consultation can help you with a customized medical plan based on your destination. This may help you prepare for health concerns before you go and the best ways to avoid things like altitude sickness, malaria, yellow fever and traveler’s diarrhea.
-
What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 non-insurance Emergency Assistance partners at Generali Global Assistance are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 (877) 289-0968 (toll-free from the Continental US); or
Phone: +1 (954) 334-8143 (collect from anywhere else in the world)
-
What if my passport gets stolen in China?
World Nomads travel protection plans cover theft or damage of the following documents:
- Passports
- Driver’s licenses
- Birth certificates
- Travel visas
You can claim up to the maximum limit stated in the policy towards the replacement of your passport or one or more other travel documents mentioned above.
Need inspiration for your travels in China?
Not sure where your next adventure should take you? Take a look at these travel and safety ideas and get destination-specific travel insurance tips to help you plan with confidence.
A Silk Road Alternative: The Ancient Tea Horse Route
Travel Scams in China: How to Avoid Being Conned
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance for China
A guide for Canadians travelling to China
- As featured in:
As featured in:
At a glance
- World Nomads offers four travel insurance plans for your trip to China. Plans range from standard to higher-limit protections.
- Coverage may apply to popular activities in China like hiking, biking and whitewater rafting.
- Policies for Canadians include protection for medical emergencies, trip issues and lost luggage.
China is comparable in size to Canada, but that’s where the similarities end. High-speed trains link major cities, but the pace slows through smaller towns and rural regions. In Beijing, visit the vast courtyards of the Forbidden City, join the throng of daily life on Gui Street, trying street food as you wander, and hop a train to the Great Wall of China. Shanghai is all glass towers and neon-lit streets, but you can walk into the city’s colonial past along the Bund. It’s also worth travelling to see the underground army of Terracotta Warriors in Xi’an, cruising between the limestone peaks of the Li River near Guilin, and a whole lot more. Wherever you’re headed, being prepared makes all the difference.
Plan Comparisons
Choosing the right travel insurance coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip to China. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Travel insurance for adventure activities in China
Getting your heart rate up in China is easy. Hike rugged sections of the Great Wall, where steep stone steps and uneven paths make it far more challenging than it looks. In Zhangjiajie National Forest Park, challenging trails wind between towering sandstone pillars and cliffside walkways add to the thrill. Further west, in Yunnan, take a multi-day trek through Tiger Leaping Gorge, one of the deepest river canyons in the world (walk over the glass bridge if you dare), while in Sichuan, Mount Emei combines hiking with steep ascents and dramatic viewpoints (go in spring or autumn for the best weather). Winter brings skiing to resorts near Beijing and in the northeast around Harbin, while warmer months lend themselves to cycling through Yangshuo’s karst landscapes or rafting sections of the Yulong River.
Coverage for 250 activities you love + more
Common insurance considerations for China
Accidents and emergencies
No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be glad you purchased travel insurance before you left home. Fell down some steps at the Great Wall of China? Wiped out rafting the Yulong River and ended up in hospital? Ate dodgy dumplings and got a bad bout of food poisoning? Emergency assistance is a phone call away.
Trip Cancellation
The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about travelling? There’s no judgment here. Just make sure you purchase Cancel For Any Reason insurance cover within 15 days of making your first trip payment (like booking a hotel or flight).
Emergency evacuation
If you get seriously sick or injured but you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need. It may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re in hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home.
Trip interruption
No matter how good of a time you’re having, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get severely injured or sick while you're travelling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Tips for travelling to China
- Set up key apps before you arrive, including translation tools and mobile payment platforms like WeChat and Alipay, as cash is used less often in cities
- Download maps for offline use or use a VPN if needed, as some websites and apps are restricted
- Carry your passport with you, as ID checks are required for trains, hotels and some attractions
- Learn a few basic Mandarin phrases or have them saved on your phone – English isn’t widely spoken outside major tourist areas.
FAQ
Here are our most frequently asked questions about cover for China. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do Canadians need a visa to visit China?
Yes, Canadians generally need a visa to visit China however sometimes there are ‘visa-free periods’ (there is a visa-free period going from February to December 2026, for instance). You’ll need to apply in advance, and requirements can change, so check the latest information before you travel.
-
Is China safe for travellers?
China is generally considered safe, with low levels of violent crime. Petty theft can occur in busy areas, so keep an eye on your belongings. You may want to consider travel insurance for unexpected situations.
-
What is the best time to visit China?
Spring (April to June) and autumn (September to October) are the most comfortable times to visit. Summers can be hot and humid, while winters are cold, especially in the north.
-
Can I use Google, Instagram and other apps in China?
Many Western apps and websites are restricted in China. Travellers often use a VPN to access them, but regulations can change.
-
What currency is used in China?
China uses the Chinese yuan (RMB). Mobile payments via apps like WeChat Pay and Alipay are widely used, especially in cities.
-
What is the best way to get around China?
High-speed trains are one of the easiest and fastest ways to travel between cities. Domestic flights are useful for longer distances.
-
Can I drink tap water in China?
Tap water is not recommended for drinking. Stick to bottled or boiled water.
-
Do I need travel insurance for China?
Travel insurance isn’t mandatory, but it’s strongly recommended. Cover for accidents, medical emergencies, cancellations, delays and lost luggage can help protect you against unexpected costs. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can get the help you need – especially when it comes to an accident or sudden illness.
-
How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
-
What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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)
