Long Term Travel Insurance

For those who aren't going home anytime soon.

Get a price

As featured in:

As featured in:

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.

Gastro in Bali

I arrived home around 7:30ish from dinner feeling unwell and attempted to go to sleep. About half an hour later i threw up and had diarrhea which continued on and off for few hours. Around 1:20 am my heart begun palpitation and I felt dizzy with blurry vision. I called my mother and father whom are currently in Bali also on holiday. They came to where i am staying and decided it was best to take me to the emergency room. I was taken to Kasih Ibu Hospital in Denpasar. Where doctors treated me and kept me in the ICU for 2 days for further observation and testing.

Claim paid: AUS $2007.41
Australian in Bali.

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

Have you died?
Has one of your relos died?
Has a bushfire damaged your home?

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 medicine?
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 overseas?
Medivac needed home?
You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear

Damaged docs?
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)

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

Travel Cover for 220+ Adventure Activities

Snow

Water

Air

Land

Sports

Experiences

Scuba diving
Mountain biking
Surfing
Bungee jumping
Skiing

Snow Activities
- Included for all
  Bobsled - non-snow track Curling Glacier walking Ice skating – indoor Sleigh rides
- Optional extras
  Bobsled - in snow Bobsleigh Ice fishing Ice hockey - indoor Ice skating - outdoor Kite wing - snow Ski / snowboard - instructor or guide Skiing Skiing - back country Skiing - by helicopter / snow cat Snow biking Snow kiting Snow rafting Snowboarding - back country Snowboarding - by helicopter / snow cat Snowmobiling Tubing on snow

Water Activities
- Included for all
  Angling - inland or coastal waters Banana boat rides Boating - inland or coastal Canoeing - inland or coastal waters Dragon boating Fishing - inland or coastal waters High diving up to 10 metres Hydrofoiling Hydrospeeding - grades 1-5 Jet boating Kayaking - inland or coastal waters Kite boarding - on land or water Kite surfing Paddle boarding Parasailing - over water River boarding - grades 1-5 Rowing Sail boarding - inland or coastal waters Sailing - inland / coastal waters Scuba diving - to 30 metres Scuba diving - learning Sculling Sea canoeing - inland or coastal waters Sea Kayaking - inland or coastal waters Shark cage diving Snorkelling Speed boating Stand up paddle surfing Surf boat rowing Surfing Swimming - pool Tubing on rivers Wake skating Wakeboarding Water polo Water skiing White water rafting Windsurfing - inland or coastal waters
- Optional extras
  Black water rafting Boating - beyond 3 nautical miles Canoeing - beyond 3 nautical miles Cavern diving - to 40 metres Deep sea fishing Fishing - beyond 3 nautical miles Fishing – ice Jet skiing Kayaking - beyond 3 nautical miles Outrigger canoeing Sailing - beyond 3 nautical miles Scuba diving - cavern diving to 40 metres Scuba diving - instructor or guide Scuba diving - to 40 metres Sea canoeing - beyond 3 nautical miles Sea Kayaking - beyond 3 nautical miles Spearfishing Swimming - with whales / whale sharks Water skiing – barefoot Windsurfing - beyond 3 nautical miles

Air Activities
- Included for all
  Acrobatics Ballooning - hot air Bungee jumping
- Optional extras
  Abseiling Aerial safari Canyon swing Fly by wire Parachuting Skydiving Tandem skydiving Trapeze Zip line

Land Activities
- Included for all
  Aerobics Air guitar Ballet BMX - on road Bowling - lawn / ten-pin Bush walking - up to 2,000 metres Bushcraft Camel riding Camping - up to 2,000 metres Caving – sightseeing Cycling - up to 2,000 metres in elevation Dancing Dirt boarding Dog sledding Dune buggy Elephant riding - single ride / day tour Fell running Fitness training Go karting Hiking - up to 2,000 metres In-line skating Kite flying Moped riding Motor racing experience - passenger only Motorbiking - on road Motorbiking - pillion passenger Orienteering Outward Bound Paint balling / airsoft Safari tours Salsa dancing Sandboarding / sandskiing Scooter riding Scrambling - up to 2,000 metres Skateboarding Snooker Stilt walking Tramping - up to 2,000 metres Trekking - up to 2,000 metres Tuk Tuk - as a passenger War games - online Zorbing
- Optional extras
  BMX - off road Bouldering Bush walking - up to 6,000 metres Camel trekking - overnight Camping - up to 6,000 metres Caving - spelunking Cycling - up to 6,000 metres in elevation Elephant trekking - overnight Hiking - up to 6,000 metres Kite buggy Kite wing - land, water Land surfing Motorbiking - off road Mountain biking Multi-sport - triathlon Obstacle course Potholing Quad biking Rock climbing Scrambling - up to 6,000 metres Segway tours Skeleton Spelunking - caving Tough Mudder Trail bike riding Tramping - up to 6,000 metres Trekking - up to 6,000 metres

Sports Activities
- Included for all
  Archery Athletics Australian Rules Football - AFL Badminton Ballroom dancing Baseball Basketball Capoeira dancing Cheerleading Cricket Croquet Darts Dodge ball Fencing Floorball Football Frisbee Golf Gym training Gymnastics Handball Hockey Horse riding - leisure Korfball Lacrosse Lawn bowling Martial arts - non-contact Netball Racquetball Rambling Roller hockey Roller skating Rollerblading Rounders Rugby - league / union Running / jogging Soccer Softball Squash Stoolball Table tennis Tchoukball Tennis Ten-pin bowling Trampolining Ultimate frisbee Volcano surfing Volleyball Weight training Yoga
- Optional extras
  American football Bicycle polo Clay pigeon shooting Gridiron Horse riding - equestrian Martial arts - Judo, Karate Rapelling Rifle range / sports shooting Running - marathon distance Shooting - rifle range / sports Triathlon - less than ultra distance Via Ferrata

Experience Activities
- Included for all
  Au Pair / nanny (paid or volunteer childcare) Bar work Fruit picking Office work Retail work Teaching WWOOFing
- Optional extras
  Work - instructor or guide Work - manual work with power tools

Blue activities are automatically included in both the Standard and Explorer plans. All activities listed in orange will need to be added to your policy at the time of purchase. The list is intended as a guide only and there are restrictions on what you can and cannot do, so read the policy wording or contact us. For a more detailed list click here

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

Photo © Mixetto/IStock

What to do if...

World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.

Get a price

As featured in:

As featured in:

What to do if someone on the policy dies

Get travel insurance and read our tips around coverage if and when there is a death abroad.

What to do if you're hurt in an accident

Have you or someone in your travel group been hurt in an accident? Read on to find out how we can help.

Someone is sick or injured

Find out what to do if you have a sick or injured travel buddy and you can't travel.

What to do if you’re being sued for personal liability

Follow these steps if you're being sued while traveling.

What to do if you fall suddenly ill

Follow these travel insurance tips if your overseas trip is cut short by sudden illness.

What to do when your luggage is delayed

Has your luggage gone missing in action? Learn what you need to do if your bags are delayed.

Trip cancelled due to illness or injury

Find out what you need to do if an illness or injury derails your travel plans.

What to do if your flight is delayed or cancelled

Follow these travel insurance tips if your flight is delayed or cancelled

Bitten by a shark.

I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.

Claim paid: £121.85
S.C. British Nomad in the Galapagos Islands.

Photo © Deimagine/IStock

Destinations

World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries.

Get a price

As featured in:

As featured in:

Bitten by a shark.

I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.

Claim paid: £121.85
S.C. British Nomad in the Galapagos Islands.

Single trip travel insurance

You don't need a return ticket to buy travel insurance.

Get a price

As featured in:

As featured in:

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.