For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

This content is for New Zealand residents only. 

What does long term travel insurance cover?

We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities and events including casual bar work, skiing, zorbing and much more.

Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:

• Overseas medical
• Cancellation
• Luggage/baggage cover
• 24/7 worldwide assistance

How do I buy more travel insurance cover?

You can buy more cover, even if you’re already on the road. Generally cover lasts for up to one year, but if you want to extend your trip beyond one year, you just need to jump online to get a quote.

You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.

What’s not covered on long term travel insurance?

There’s a number of other exclusions so make sure you read your policy and know what you aren’t covered for. These include but aren't limited to:

• Anything illegal (you didn’t really think we’d cover that did you?)
• If you've taken drugs or alcohol
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
• Ongoing treatment in your home country

It’s important to remember that World Nomads offers travel insurance… not medical insurance. That means most of our policies won’t cover you for existing medical conditions or ongoing medical care (we'll patch you up and send you home).

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

We've designed our travel insurance policies to cover more than 150 activities and events, including casual bar work, skiing, zorbing and more. If you're looking to travel long-term, we have travel insurance that can keep you covered for up to 12 months.

• What can long-term travel insurance cover?
• Who might want to buy travel insurance for a long trip?
• How long can travel insurance cover me for?
• What if I don't know how long I want to travel for?
• What's not covered by travel insurance?

What can long-term travel insurance cover?

Whether you’re going on a long trip or a short trip, all of our travel insurance policies provide Australians cover for:

• Trip cancellation: we may reimburse your prepaid non-refundable trip cost if something unexpected happens and you need to cancel your trip. Covered risks include an unforeseen medical condition or government travel advisory.
• Trip interruption: coverage may provide reimbursement for your unused, prepaid non-refundable trip costs and for additional expenses you incur, such as airline change fees, if after you’ve started your trip, your trip is interrupted. If you get sick or injured and need to make a change to your travel plans or your trip is interrupted for another covered risk, such as a missed connection due to inclement weather or airline strike, you may need trip interruption insurance. Read your Product Disclosure Statement (PDS) to make sure your situation is covered before you make a claim. Contact us anytime if you need assistance rebooking your trip.
• Emergency medical expenses: like an urgent visit to the doctor if you become sick or injured, prescription medicine to help you get well, ambulance transportation, x-rays, and hospital stays.
• Emergency medical evacuation: if you get injured or really sick and the local doctor recommends that you return back to Australia.
• Delayed, lost or stolen baggage.
• 24//7 worldwide emergency assistance.

Our travel insurance policies are designed by travellers, for travellers. At World Nomads we love to explore our boundaries when we travel. We cover more than 150 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.

Who might want to buy travel insurance for a long trip?

Travellers might be interested in purchasing a long stay travel insurance policy. This could include:

• University students going to study abroad who want to travel in between quarters or semesters.
• Backpackers and road-trippers on a long-term holiday.
• Digital nomads making the most of work and play.
• Lucky Aussies who have won the Powerball and are heading out to explore the world with their newfound freedom and bags of money.
• Families travelling for the summer holidays.

How long can travel insurance cover me for?

Our policies are designed to be flexible. We offer short and long-term travel insurance policies, and allow travellers to extend their coverage (or buy a new plan) even while overseas. Aussie residents can buy a World Nomads travel insurance policy for a maximum duration, including all extensions, of 12 months from the departure date.

When you get a quote, you can compare our two plans, Standard and Explorer, and download the full PDS before you buy.

What if I don’t know how long I want to travel for?

If you’re planning to explore the world for a while, but you don’t know how long you’ll be gone for, don’t worry. You have a couple of options to ensure you’re covered while you’re away:

• Extend your policy: You can extend your policy online through your World Nomads Member Account. And you can extend from overseas while travelling, as long as you extend your policy before it expires. Terms and conditions, and limitations apply so check the PDS details before you purchase to make sure this will suit your needs.
• Purchase a new policy: If your policy has expired, you can purchase a new one while you’re still travelling. If you buy travel insurance during your overseas holiday, you are still subject to a 72-hour waiting period from the date that you receive your Certificate of Insurance, before your cover comes into effect. This means that you may not be covered for certain events or losses that happen during this period. Your PDS will have full details to understand the cover, limits, and exclusions.
• Purchase and track your policies with your World Nomads membership: If you buy travel insurance with us, log in to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log in before purchasing each new policy.

When you can’t buy more cover

You won’t be able to buy more cover or extend your policy if it’s already expired, if you’re 70 years old (or older) or if the policy/product you bought is no longer available.

What’s not covered by long-term travel insurance?

All travel insurance policies have exclusions and limitations. We won’t provide cover for:

• If you've taken drugs or overindulged in alcohol.
• Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for out of country medical emergencies).
• Ongoing treatment at home.
• Some pre-existing conditions, especially those not stable and controlled.
• Cancelling your trip due to fear of travel or just changing your mind.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS 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.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

We believe World Nomads Travel Insurance is the type of insurance that may help you travel abroad knowing you’re covered for your adventure… at the best price.

At World Nomads we’re travellers too, and we know that while everybody buys travel insurance to cover them when things go wrong, they’d rather be splashing out on a Bellini at Harry’s bar in Venice or upgrading their Bangkok hotel to include air conditioning.

That’s why we’ve designed our online travel insurance based on what you said you wanted… flexible online travel insurance that offers cover for medical emergencies, baggage delay or theft, trip delays, Coronavuirus-related cover, and more.

Travel insurance: What's included?

We've built our policies to help cover as many of those unexpected situations as we can. All of our policies offer cover for: 

• Overseas emergency medical expenses
• Luggage/baggage cover
• Cancellation
• 24/7 worldwide emergency assistance

Of course, each policy is different but they have many benefits. Be sure to read the policy wording so you know what you're covered for. 

World Nomads travel insurance also:

• Makes it easy to buy and claim online even if you’re travelling
• Lets you buy a policy at destination if you choose to keep travelling
• Provides you free access to travel safety advice for your next adventure
• Offers cover for a wide variety of adventure activities
• Gives you 24hr emergency assistance

Travel insurance: What's best for you?

As no two travellers are alike and range from gap year students and backpackers to long term travellers and families, we offer two options, Standard and Explorer so you can choose the level of cover that is right for you.

If you need the extras you can pay for them and if you don’t, then you can keep a little extra in your back pocket.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

We believe the best travel insurance is the kind that allows you to travel overseas knowing you’re properly covered for your adventure… at the best price.

At World Nomads we’re travellers too and know while everybody buys travel insurance to cover them when things go wrong, they’d rather be splashing out on a Bellini at Harry’s bar in Venice or upgrading their Bangkok hotel to include air conditioning.

That’s why we’ve designed our online travel insurance based on what you said you wanted… flexible online travel insurance that covers you for what you need, when you need it.

Travel insurance: What's included?

All policies include the benefits our travellers tell us are most important to them including:

So we've built our policies to help cover as many of those unexpected situations as we can. All of our policies have cover for: 

• Overseas medical
• Luggage/baggage cover
• Cancellation
• 24/7 worldwide emergency assistance

Of course, each policy is different but have many more benefits. Be sure to read the policy wording so you know what you're covered for. 

World Nomads travel insurance also:

• Makes it easy to buy and claim online even if you’re travelling
• Lets you buy a policy at destination if you choose to keep travelling
• Provides you free access to travel safety advice for your next adventure
• Offers cover for a wide variety of adventure activities
• Gives you 24hr emergency assistance

Travel insurance: What's best for you?

As no two travellers are alike and range from gap year students and backpackers to long term travellers and families, we offer two options, Standard and Explorer so you can choose the level of cover that is right for you.

If you need the extras you can pay for them and if you don’t, then you can keep a little extra in your back pocket.

For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

At World Nomads we’re travellers too and know while everybody buys travel insurance to cover them when things go wrong, they’d rather be splashing out on a Bellini at Harry’s bar in Venice or upgrading their Bangkok accommodation to include air conditioning.

That’s why we’ve designed our online travel insurance based on what you said you wanted... flexible travel insurance that offers two policy options depending on your travel needs and interests.

Travel Insurance: What's included?

All policies include a number of benefits that our travellers may need, these include:

• Overseas medical
• Luggage/baggage cover
• Cancellation
• 24/7 worldwide assistance

Of course, each policy is different but have many more benefits. Be sure to read the Policy Document so you know what you're covered for. 

World Nomads travel insurance also:

• Makes it easy to buy and claim online even if you’re travelling
• Lets you buy a policy at your destination if you choose to keep travelling
• Provides you free access to travel safety advice for your next adventure
• Offers cover for a wide variety of adventure activities
• Gives you 24hr emergency assistance

Travel Insurance: What's best for you?

As no two travellers are alike and range from gap year students and backpackers to long term travellers and families, we offer two options, Standard and Explorer so you can choose the level of cover that is right for you.

If you need the extras you can pay for them and if you don’t, then you can keep a little extra in your back pocket.

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

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022 please see below.

You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance comes in, covering the gap between your old life and new.

Start your future on a high note

World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going.

Most of our travellers on a one way ticket are moving for a new job and are most concerned about cancellation or losing their baggage on the way.

We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.

Single Trip cover

All World Nomads policies cover those events our travellers most often encounter including:

• Emergency medical expenses abroad
• Cancellation
• Luggage cover
• 24/7 Worldwide emergency assistance

We cover more than 150 activities and sports depending on the policy you choose and if it’s not on the list, contact us and we’ll let you know if we’ll cover it.

Exclusions

There are of course exclusions which apply. Some of the exclusions which may apply are:

• Cancellation or other expenses if you change your mind and decide not to go.
• You do anything illegal (You didn’t really think we’d cover that did you?)
• If you’ve taken drugs or alcohol
• Non-emergency treatment that can wait until you return home (it's not private health/medical insurance, it's for travel emergencies) 
• Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance comes in, covering the gap between your old life.

Start your future on a high note

World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going.

Most of our travellers on a one-way ticket are moving for a new job and are most concerned about cancellation or losing their baggage on the way.

We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.

Single Trip cover

All World Nomads policies cover those events our travellers most often encounter including:

• Medical
• Cancellation
• Luggage cover
• 24/7 Worldwide assistance

We cover more than 150 activities depending on the policy you choose and if it’s not on the list, call us and we’ll let you know if we’ll cover it.

Exclusions

There are of course exclusions which apply. Some of the exclusions which may apply are:

• Cancellation or other expenses if you change your mind and decide not to go.
• Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act
• Medical claims arising from alcohol and/or drug abuse
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
• Pre-existing medical conditions

This is not a full list of what is and isn't covered. Make sure you read your policy wording so you know what you're covered for.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

How does travel insurance cover my holiday?

We know the most unexpected things can happen when travelling - activity-related accidents, earthquake, Coronavirus. So we've built our policies to help cover as many of those unexpected situations as we can. All of our policies have cover for: 

• Emergency medical expenses abroad
• Luggage/baggage cover
• Cancellation
• 24/7 worldwide emergency assistance

World Nomads travel insurance also:

• Makes it easy to buy and claim online even if you’re travelling
• Lets you buy a policy at destination if you choose to keep travelling
• Provides you free access to travel safety advice for your next adventure
• Offers cover for a wide variety of adventure activities
• Gives you 24hr emergency assistance

What’s not covered on holiday travel insurance?

We've seen some pretty strange things on the road. Some of the exclusions include:

• If you do something illegal
• Where you've been acting in a reckless manner
• If you’re intoxicated as a result of taking drugs or alcohol
• Any costs associated with a sexually transmitted disease (except where contracted through an assault)

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered. If you are unsure about your level of travel cover, please contact us for help.