What to do if you suddenly fall ill
Let travel insurance be your first aid
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As featured in:
1. Seek medical attention
Your health is a priority! Get medical help from a health care practitioner, such as a doctor, or go to a hospital for urgent cases. If you contact our 24/7 Emergency Assistance team, they can help get you to the right medical facilities. An FYI: You’ll also need to notify the team before undergoing any procedures or surgeries — so be sure to give us a ring.
2. Get it in writing
Most claims need supporting documentation, and it’s particularly important when it comes to medical cases. When you’re feeling under the weather, gathering documents may be the last thing on your mind. Nevertheless, it’s a crucial part of the claims process. Get a friend to help with the right paperwork. These documents could include:
- A doctor or other medical practitioner’s report confirming your illness
- A hospital admission report
- Ambulance and medical evacuation reports
In some cases, we may need to obtain your past medical history from your regular doctor at home. Our claims team can keep you informed of any additional requirements.
3. Keep your receipts
You'll need to keep original receipts and official reports as evidence for your claim. Supporting documents may include your itineraries; receipts for any meals or accommodations for a bedside companion; and hospital and physician reports. We reserve the right to reduce or reject your claim should you not have the proper records.
4. Make a Claim
Read over your insurance policy to see what’s covered and to check if any terms, conditions or exclusions apply. With World Nomads, you can file your claim on our web site and send in any supporting documentation afterwards.
If you have questions about coverage or the claims process, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy 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 teamWhat to do if your luggage is delayed
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1. Report it to your carrier
Once you realize your luggage is missing, report it immediately to the carrier – your airline or tour operator, for example. Get a written Property Irregularity Report (PIR) as a confirmation of the delay. To qualify for benefits, the delay must be at least 12 hours.
2. Ask for compensation
Check with your carrier to see if you qualify for any compensation, such as for the cost of basic personal items while you wait for your bags to be returned. You should keep a copy of the exchange with your carrier that confirms or denies any coverage.
3. Keep your receipts
If you’re not compensated by the carrier, you may qualify for coverage should the delay be a minimum of 12 hours – and if it doesn’t happen on your return flight home. Keep the original receipts for any personal items you purchase – such as toothbrushes, prescription medication or a change of clothes.
Before you go shopping for designer jeans or a fancy ballgown, consider that your plan has limits on what’s considered a reasonable expense. Read your policy carefully and contact us if you have any questions on what might be covered. (You wouldn’t believe some of the outrageous claims we’ve seen!)
4. Get a second report
Once you get your luggage, get written confirmation from the carrier confirming the length of the delay. As mentioned above, that period counts as at least 12 hours after the scheduled arrival time. You won’t qualify for any reimbursements for under that amount of time.
5. Prepare your claim
Read over your insurance policy to see what’s covered and to check if any terms, conditions or exclusions apply. With World Nomads, you can file your claim on the website and send in any supporting documentation afterwards.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy 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
