Cheap Travel Insurance.
Cheap isn't always the way to go.
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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.
Do you really want cheap travel insurance?
Cheap Travel Insurance is only good if it protects you for those emergencies it’s supposed to protect you for.
Going too cheap can mean you’re not covered when it matters and if you’re not covered… your trip of a lifetime can get very expensive, very fast.
That’s why at World Nomads we listened to our experienced travellers and designed travel insurance products at affordable prices (but not the cheapest).
We’ve included the cover you told us you couldn’t live without in every World Nomads policy, including:
- Medical
- Cancellation
- Luggage cover
- 24/7 worldwide emergency assistance
Travel insurance options that have your back
As no two travellers are alike, we’ve designed a Standard and Explorer travel insurance option so you can choose whether you pay for the extras or not.
If you’re planning to kayak the Amazon solo or throw yourself out of a plane with just a little bit of silk attached to your back, the Explorer option may be more suited to you.
Then again, you might be surprised by what is covered under the Standard travel insurance option. Just tell us who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote with all the detail you need.
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 know we’re not the cheapest, but with us you can travel knowing you’ve got 24/7 traveller support, insider information to help you plan your trip and coverage for a range of insured events you may encounter.
Dog bite.
My son (age 4) jumped in front of the dog and the dog nipped him. We took him to the emergency room for stitches.
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 dropped dead?
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 to get to hospital urgently?
- Medivac home?
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 Natural Disasters
For when nature intervenes.
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Ten years ago, nobody worried about being caught up in natural disasters. But in an age of ever-worsening cyclones and hurricanes, and other freak weather events, cover for this sort of thing is now essential. And all that without even mentioning the multiple volcanic eruptions around Bali...
What does travel insurance cover for natural disasters?
As long as you've bought your policy before the disaster was in the media, your policy will cover a range of different things. If you're still at home and the cyclone has swept your accommodation into the sea, we understand that you'll probably want cancel your trip rather than camp in the ruins of the resort. If you're overseas and caught up in it, then we'll cover you to get out. Whether that's getting home or getting to your next destination, will depend on your travel plans.
What's not covered
We don't cover costs that you would have incurred without the disaster happening. If you were island-hopping in the Caribbean and your accommodation got blown away in a hurricane, you'll need to move on. But if you didn't have any transport already paid for, then you'd be paying that cost to change islands anyway, so we won't cover it for you.
We also don't cover if you just change your mind about a place. If you're worried about a volcanic eruption or an oncoming hurricane, talk to your airline. If they're cancelling flights, then you've probably got a claim. If they're carrying on business as usual, then we'll need a good reason why you can't go.
As always, we'll ask you to ask your airline, accommodation and tours for refunds.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
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
- Are you, your family sick, injured or deceased?
- Has one of your relatives 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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about natural disaster travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I get I get a refund on my policy if I'm not longer traveling?
If the policy is outside of its cooling off/free look/refund period, then there are no refunds for the unused portion of your policy.
-
Does my policy automatically extend if I'm unable to get home?
Most policies with automatically extend. However, not all do and the extension lengths vary. So check your policy so you know how you're covered.
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I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling off/free look/refund period, and you're not using your policy in any way, you can cancel the policy and get a refund.
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If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.
Get online travel insurance: Buy and claim online whenever you need
Online instant confirmation for the time poor.
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Article at a glance:
- With World Nomads you can buy, extend, and claim online — anytime, anywhere.
- Choose between Standard and Explorer plans that may match your travel style.
- Includes cover for medical emergencies, trip cancellations, stolen belongings if lost items are lost by carrier, and more.
- Adventure ready — with cover for 220+ sports and activities.
- Simple online claims process and 24/7 global emergency assistance.
- Always read the Policy Document to understand what’s included and excluded.
- What’s covered by World Nomads travel insurance plans?
- Which online travel insurance plan is right for me?
- What’s not covered?
- Travel insurance tips for New Zealand travellers
- FAQs
With World Nomads, you'll have access to your policy and the option to make a claim online anytime, anywhere.
That means you can purchase, extend or make a claim online - plus you can choose between two travel insurance plans.
What’s covered by World Nomads travel insurance plans?
World Nomads offers New Zealand travellers coverage, with Standard and Explorer plans to choose from. Our online travel insurance includes those essential protections that matter most when you’re overseas, such as:
- Access to 24/7 Emergency Assistance.
- Overseas medical cover: For those times when you need immediate medical assistance.
- Baggage and personal effects cover: Cover for delayed, accidentally damaged, or stolen luggage, personal belongings, gear, and select sporting equipment.
- Trip cancellation coverage: For those non-refundable, pre-paid adventures when your trip is cancelled due to an insured event.
- Adventure activities: If you're looking for travel insurance that covers adventure activities, World Nomads covers more than 220 adventure sports and activities, from skiing and snowboarding to scuba diving, and many more. Please note: an additional premium is required for certain activities such as snow sports.
- Trip delays and interruption: If your journey is delayed or cancelled due to a covered event.
The above features and benefits are a summary of cover only. Terms, conditions, limits, exclusions apply, please read your Policy Document carefully and contact us if you have any questions.
Which online travel insurance plan is right for me?
With World Nomads, you can choose between our Standard or Explorer plans.
Our Standard plan offers all the essentials, including overseas medical expenses, baggage protection, and cover for adventure activities, while our Explorer plans offer additional benefits and higher coverage limits.
Want all the details?
You can compare the Standard and Explorer plans and prices through getting in instant quote.
Get a quote
What’s not covered?
World Nomads’ travel insurance isn’t designed to cover everything. Some things we don’t cover, or instances where you might not be covered, include:
- A loss arising from being intoxicated by or addicted to drugs or alcohol.
- Ongoing treatment at home.
- Unattended personal belongings and/or baggage.
- Trip delays caused by expected and known events.
It’s important to read the Policy Document carefully to understand what is and isn’t included as well as specific coverage and limitations that may apply.
Unsure if something is covered? Get in touch and we’ll help clear things up for you.
Tips for New Zealand travellers
- Stay up to date with the latest travel advisories and safety information for your destination at
- Research reciprocal healthcare agreements between New Zealand and your planned destination. New Zealand has reciprocal health agreements with only two countries: Australia and the United Kingdom. These agreements provide limited access to publicly funded healthcare for essential medical treatment if you are a citizen of the other country visiting New Zealand, or a New Zealand citizen visiting Australia or the UK. Travel insurance is designed to provide protection that goes beyond these agreements.
- Planning adventure activities? Whether you plan to ski the slopes of Canada or dive the reefs in Southeast Asia, if you plan to take part in snow sports or adventure activities, ensure your travel insurance plan covers the specific activities. An additional premium may be required, i.e. for snow sports.
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.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.FAQs for online travel insurance for Kiwis
Here are our most frequently asked questions about online travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can I extend my policy online?
Yes, you can extend your policy online. Eligibility and limitations may apply, like if your policy has expired (don’t worry, if your policy has expired you can purchase a new one). A 72 hour waiting period applies if travel insurance is purchased while outside New Zealand. Extending your policy is simple, log into your account and purchase additional coverage before your current policy expires. For more information check out our article Extending your trip.
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Can I buy a plan online if I’m already overseas?
World Nomads provides travel insurance for New Zealanders already overseas, and allows you to buy coverage online no matter where you are. While you can buy travel insurance online, waiting periods may apply - a 72 hour waiting period does apply if purchased while outside New Zealand - and some benefits may not be immediately available, so if you can, you should consider travel insurance before you go.
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How do I make a claim online?
Making a claim is a straightforward process. You can even do it online. The key to keeping your claim quick and easy is being prepared with things like receipts, police reports, and getting in touch with our 24/7 Emergency Assistance team. Here’s more about the claims process.
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamOnline travel insurance
Online instant confirmation for the time poor.
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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.
There’s one thing our travellers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.
No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s important to consider having travel insurance, whether they be a backpacker, long term traveller or gap student.
Online Travel Insurance
All we need is some basic information on who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote outlining your travel insurance coverage and limitations.
To give you certainty of coverage and confidence in travelling, we’ve made sure all our online travel insurance options include:
- Emergency medical expenses abroad
- Cancellation
- Luggage cover
- 24/7 worldwide emergency assistance
We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.
What and where you’re covered for is very important to our travellers and if you’re already overseas it’s not too late - you can still purchase online now.
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 wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Did you know?
- You can create a membership
- Access your policy details wherever you have internet connection
- Join a community of travellers
- Sign up to travel advice
Gastro.
My son started vomiting non-stop in the afternoon. An hour later, I started vomiting non-stop. A few hours after that, even my daughter started vomiting non-stop, then I started with diarrhea. As I was feeling weaker and weaker and the situation was only getting worse - we decided to go to the emergency room where they diagnosed us with Gastroenteritis.
Italian Nomad.
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 deceased?
- Close relative dropped dead?
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?
- Medivac home?
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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamFamily Travel Insurance.
Gone are the days of solo backpacking.
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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.
Travelling with your family is a whole different ball game. While you might have pushed some boundaries when travelling by yourself or backpacking when you were young, you’d never do that with your family in tow… or would you? That’s where World Nomads Family Travel Insurance comes in, supporting you when things go wrong.How does World Nomads Family Travel Insurance help me and my family?
The World Nomads team is always there to help you navigate and locate local medical assistance, provide information and advice and assist in keeping your dream holiday on track.
We cover more than 150 activities, sports and experiences and all our policies include those events our travellers most often encounter including:
- Medical including assistance locating local medical advice and clinics
- Cancellation
- Luggage
- 24/7 Worldwide emergency assistance.
You can also access our community of like minded travellers to give you their insights from their travels as well as language guides, safety information, travel guides and videos to plan your trip.
What’s not covered
Read your policy carefully as there are some exclusions including:
- If you change your mind you are not covered for cancelation or other expenses incurred as a result.
- 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 health 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).
How do I buy family travel insurance?
All you need to do is enter a few details about yourself and your holiday online and the ages of all your family members and we will generate an instant quote with both Standard and Explorer options.
Once you’ve selected the right level of cover for you and paid, you will get instant confirmation of your family travel insurance to your selected email.
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
- 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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 Natural Disasters
For when nature intervenes.
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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, 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 14 July 2021 please see below.
Travel Insurance for natural catastrophes covers you for when Mother Nature decides it’s time to be heard. From Bali’s volcanic eruptions to Japan’s tsunamis and Caribbean cyclones, natural catastrophes are by nature unpredictable and can severely disrupt your travel plans.
You may consider purchasing our Explorer Plan, which offers a benefit to help you move to a safer area when a natural catastrophe strikes.
What am I covered for under Natural Catastrophe?
While the last thing we want to do is to talk about all the nasty weather that could come your way, it’s important for you to know what we define as a ‘natural catastrophe’ in our policy. The following are considered a natural catastrophe: Hurricane, tornado, tsunami, earthquake, volcanic eruption, storm, flood, landslide, avalanche, fire, high water or explosion.
Natural catastrophes not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips.
While some natural catastrophes are completely unpredictable, a lot of them - think hurricanes, monsoons, and even volcanic eruptions (we're looking at you, Indonesia) often give off enough warning for you to prepare yourself so you're not caught off guard.
For those policies that do offer cover for natural catastrophes, you'll need to have bought a policy before the event is known and do everything you can to keep your expenses to a minimum.
It's a good idea to read through the Policy Wording before you purchase a plan. If you need help deciding how much coverage you need, you can read our article Standard vs. Explorer. It’s not the end of the world if you find that your policy isn’t the right match. You have the right to cancel your travel insurance within the cooling-off period. Log into your membership to do so. Also, check your policy to see how long your cooling-off period is.
What’s not covered by travel insurance in a natural catastrophe?
- If you’re a storm chaser and put yourself in its path
- If you don’t follow the advice of the authorities
- If you haven’t paid for the Explorer Plan
- If the event was occurring, or you were aware it could occur, when you purchased the insurance or booked your travel arrangements.
- If you hang around to watch what happens
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
Travel Insurance Tip: If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about natural disasters. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Can I get I get a refund on my policy if I'm not longer traveling?
If the policy is outside of its cooling off/free look/refund period, then there are no refunds for the unused portion of your policy.
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Does my policy automatically extend if I'm unable to get home?
Most policies with automatically extend. However, not all do and the extension lengths vary. So check your policy so you know how you're covered.
-
I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling off/free look/refund period, and you're not using your policy in any way, you can cancel the policy and get a refund.
-
If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.
Travel Insurance for Natural Catastrophes
For when nature intervenes.
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For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.
Natural catastrophes not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips.
While some natural catastrophes are completely unpredictable, a lot of them - think hurricanes, flooding, and even volcanic eruptions - often give off enough warning for you to prepare yourself so you're not caught unaware.
For those policies that do cover natural catasatrophe in one way or another, you'll need to have bought a policy before the event is known and do everything you can to minimise your expenses.
What does travel insurance cover if there is a natural catastrophe?
Natural Catastrophe is defined as: Volcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.
The Explorer plan may offer some Natural Catastrophe cover if your trip is affected. Trip Disruption includes cancellation, trip curtailment along with some delayed/missed flight cover.
Also with our Explorer plan, in the event of a natural catastrophe, cover may be provided for additional accommodation expenses incurred to move to an alternative if, after checking in during your trip, your are forced to move after your original pre-booked accommodation became uninhabitable for at least 24 hours.
Not all of our plans cover natural catastrophe. It's a good idea to read through the policy wording as you go through the purchase path as there are limits on the cover depending on which plan you buy.
What’s not covered by travel insurance in a natural catastrophe?
- If you’re a storm chaser and put yourself in its path
- If you don’t follow the advice of the authorities
- If you hang around to watch what happens
- If you buy a policy after an event becomes known
For more information check out our article on natural catastrophes and read your policy carefully before you buy.
If you’re travelling to a region that’s known for natural catastrophes, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural catastrophe impacts your trip, you won’t be covered for any expenses.
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 get in touch.
If you’re travelling to a region that’s known for natural catastrophes, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural catastrophe impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about natural catastrophe insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Can I get I get a refund on my policy if I'm no longer traveling?
If the policy is outside of its cooling-off period, there is no refund for the unused portion of your policy premium.
-
Does my policy automatically extend if I'm unable to get home?
If the reason you cannot return home is covered under the policy, it may be automatically extended.
-
I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling-off period, and you have not travelled or submitted a claim, you can cancel the policy and get a refund.
-
If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.
Travel Insurance for Health Emergencies
Find out why travel insurance isn't health insurance and learn the difference.
- As featured in:
As featured in:
This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
Travel Insurance for Health Emergencies.
Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies not health insurance policies, and most policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.
So this isn't a health insurance plan?
No, it's a travel insurance policy. It's there for overseas medical emergencies. It's not designed to cover ongoing illness or treatment overseas, or any treatment when you get home.
What does travel insurance cover if I'm sick or injured?
If you’re injured in an accident or suddenly become ill while traveling, you can be covered for overseas emergency medical treatment including:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
We also have 24 hour multi-lingual assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, and keep you in contact with your family back home. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
- If you've taken drugs or alcohol
- Where you've been acting like an idiot
- Non-emergency treatment that can wait until you return home (that's what your health insurance or national health coverage at home is designed to do)
- Pre-existing medical conditions
- Ongoing treatment at home
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.
How to get medical assistance for health emergencies.
It’s essential that you get in contact with our emergency assistance teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Loss of appetite.
My symptoms were intense headaches, high fever (39.7 degrees C by the time I reached the hospital in Kutchan on the 18th), nausea & vomiting, loss of appetite & energy, and diarrhoea. Although I'd initially thought it to be a common cold or stomach bug, it because progressively worse, until I was forced to visit the Kutchan hospital, (the nearest medical facilities with an English interpreter). After a thorough examination, they put me on a saline drip and took multiple blood samples to try to work out what was wrong. However, they were not able to confirm this, telling me that it could be influenza, acute gastroenteritis, or one of a host of other viruses.
Claim Paid. $296
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
- 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 teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
I'm at expat, but return to see family once a year. Can I buy a World Nomads' policy?
You can buy a policy for your return trip. However, if you intend to move somewhere permanently, you'll need health insurance
-
Will I need medical records if I need to claim?
Yes. The team will ask for medical records before processing any medical claim.
-
Does it matter if my receipts are in another language?
You can submit your claim with the receipts in another language. If the claims examiner requires you to translate it, they'll let you know.
-
Is there an excess?
Most policies have an excess, so it's a good idea to check your policy.
Travel Insurance for Health Emergencies
Find out why travel insurance isn't health insurance and learn the difference.
- As featured in:
As featured in:
Travel Insurance for Health Emergencies
For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.
Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies. They are not private health insurance policies nor do they offer any statutory health cover; and most policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.
So this isn't a health insurance plan?
No, it's a travel insurance policy. It's there for sudden medical emergencies while you're travelling abroad. It's not designed to cover ongoing illness, injuries or medical treatment you were receiving when you started your trip; routine or elective treatment or surgery; or any treatment in your country of residence.
What does travel insurance cover if I'm sick or injured?
If you’re injured in an accident or suddenly become ill while travelling, you can be covered for emergency medical treatment including:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Ambulance transport
- Extra expenses to get you home, if medically necessary
We also have 24 hour Emergency Medical Assistance Teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
- Injuries or illness from misuse of drugs or alcohol.
- Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act.
- Non-emergency treatment that can wait until you return home (that's what your health insurance or national health coverage at home is designed to do)
- Pre-existing medical conditions (as explained in your policy wording)
- Ongoing treatment at home
This is not a full list of what's covered and what's not covered. There are terms, conditions, limitations and exclusions in the policy wording that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.
How to get medical assistance for health emergencies.
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Medical Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Swollen Penis.
I noticed an abnormal inflammation of my penis. Initially I had also a little bit pain and I got scared. In the evening the pain and the itch were gone but I still was worried. Therefore I went to the Hospital.
Claim Paid. €289
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
- 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 teamFAQ
Here are our most frequently asked questions about travel health coverage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Will I need medical records if I need to claim?
Yes. The team will ask for medical records before processing any medical claim.
-
Does it matter if my receipts are in another language?
You can submit your claim with the receipts in another language. If the claims examiner requires you to translate it, they'll let you know.
-
Is there an excess?
Most policies have an excess, generally €100. So it's a good idea to check your policy.
