Travel Insurance for Natural Disasters
For when nature intervenes.
- As featured in:
As featured in:
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.
Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips.
While some natural disasters are completely unpredictable, a lot of them think hurricanes, monsoons, and even volcanic eruptions often give off enough warning for you to prepare yourself so you're not caught unaware.
We consider a natural disaster the following: flood, cyclone, tornado, hurricane, typhoon, wild fire, tsunami, earthquake, landslide, avalanche, volcanic eruption. ‘Natural disaster’ does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.
For those policies that do cover natural disaster 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.
If your destination is impacted by a natural catastrophe then you must contact our 24/7 Emergency Assistance Team so we are advised of the situation. If you do not comply with this condition it may impact what we pay you for your claim.
What does travel insurance cover if there is a natural disaster?
Not all of our policies cover natural disaster in the same way, and some of them exclude it altogether. If you look through the following table, you'll be able to see how the policy works for your Country of Residence.
| Your country of residence | Cancellation | Trip Interruption | Trip Delay | Medical Expenses | Baggage | 24 hour emergency assistance |
|---|---|---|---|---|---|---|
| Australia | ||||||
| New Zealand | ||||||
| Brazil | ||||||
| Canada | ||||||
| United Kingdom | ||||||
| Ireland | ||||||
| USA | ||||||
| All other countries |
Important: It's a good idea to read through the Policy Document 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 disaster?
- 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 disasters and read your policy carefully before you buy.
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.
If you’re travelling 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
- 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 disaster travel 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 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.
-
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
- As featured in:
As featured in:
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.
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.
Travel Insurance Tip: Please be sure to read your policy carefully as epidemics/pandemics are not considered a natural catastrophe in our policy coverage. If you’re looking for information on our Coronavirus cover, check out our Coronavirus cover article which includes the terms, benefits and exclusions.
If you’re caught up in a natural catastrophe and purchased the Explorer Plan, the Natural Catastrophe section may cover the reasonable cost of additional accommodation and transport during your trip for one of the following situations:
- On arrival or at any other time during the trip you cannot use your booked accommodation due to a natural catastrophe; or
- You have no option but to move to a safe place due to a natural catastrophe.
With the Explorer Plan, you may also have your evacuation expenses covered in the event that a Travel Advisory is issued by the Foreign, Commonwealth and Development Office, or a similar body in the circumstances, recommending evacuation from the country or specific area in which you are travelling.
If your destination is impacted by a natural catastrophe then you must contact our Emergency Assistance team so we are advised of the situation. If you do not comply with this condition it may impact what we pay you for your claim.
What’s not covered?
There are a number of circumstances where we will not cover you following a natural catastrophe. These include:
- 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’re travelling to a region that’s known for natural catastrophes, it's a good idea to do some research to see if there are any current 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.
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 there are no surprises if you need to use it. If you’re not sure if something is covered 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 catasatrophe 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 overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
-
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.
-
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.
What's covered
World Nomads travel insurance has been designed by travellers for travellers, to cover your trip essentials.
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As featured in:
Understand the key parts of World Nomads travel insurance
Travel Insurance for Medical Evacuation
If you need to get home for treatment, travel insurance can take care of medical evacuation and repatriation.
- As featured in:
As featured in:
Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.
Our 24/7 Emergency Assistance Teams, doctors and nurses have seen some horrific accidents and illnesses and have helped countless travellers be repatriated home so they can fully recover.
What’s covered
If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical repatriation by:
- Air Ambulance
- Sea Level Aircraft
- Helicopter
- Ground Ambulance
- Commercial airline upgrade
- Commercial airline with medical accompaniment
Depending on the policy you buy and your Country of Residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick policy that’s best for you.
How to get assistance
It’s essential that you get in contact with our 24/7 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
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.
True Claims Stories
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
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 Medical Evacuation
If you need to get home for treatment, travel insurance can take care of medical evacuation and repatriation.
- As featured in:
As featured in:
Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.
Our 24/7 Emergency Assistance teams, doctors and nurses have seen some horrific accidents and illnesses and have helped countless travellers be repatriated home so they can fully recover.
What’s covered
If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical repatriation by:
- Air Ambulance
- Sea Level Aircraft
- Helicopter
- Ground Ambulance
- Commercial airline upgrade
- Commercial airline with medical accompaniment
Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick policy that’s best for you.
How to get assistance
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
Testimonial Title
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
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 Medical Evacuation
If you need to get home for treatment, travel insurance can take care of medical evacuation and repatriation.
- As featured in:
As featured in:
For information relating to policies purchased prior to 13 July 2021, 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 13 July 2021 please see below.
This content does not apply to residents of: Australia, New Zealand, Brazil, Canada, the United States, Ireland, the United Kingdom and of member countries of the European Economic Area (EEA).
Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for continued medical care at home.
We have experienced Emergency Assistance team members who can put you in touch with qualified doctors and nurses who have seen it all before and have helped countless travelers be repatriated home so they can fully recover.
What’s covered?
If you’ve selected the right policy for the activity you’re doing, there’s cover available in all of our policies, where medically necessary, for medical repatriation by:
- Air Ambulance
- Sea Level Aircraft
- Helicopter
- Ground Ambulance
- Commercial airline upgrade
- Commercial airline with medical accompaniment
Depending on your Country of Residence and the policy you buy, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.
Coverage if you’re injured or ill and need to come back home
Our policies now offer coverage for some COVID-19-related events.
As part of the new benefits, and depending on your Country of Residence and the Plan you have chosen, if you get sick with COVID-19 on your journey, we may provide coverage for:
- Overseas medical expenses;
- Hospitalization;
- Medical evacuation/repatriation.
We’ve also introduced a coronavirus specific section to the Explorer Plan, the Coronavirus Travel Costs section, offering cover for travelers when they or their travel companions are affected by COVID-19 while traveling. It includes some coverage for cancellation, trip interruption, quarantine expenses and more.
Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.
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.
How to get assistance
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
Testimonial Title
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
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 Medical Evacuation
If you need to get home for treatment, travel insurance can take care of medical evacuation and repatriation.
- As featured in:
As featured in:
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.
Buy at home or while travelling, and claim online from anywhere in the world.
Whether you’re trekking through Banff Canada, surfing in Hawaii, or scuba diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.
Our 24/7 Emergency Medical Assistance Teams, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers be repatriated home so they can fully recover.
What’s covered
If you’ve selected the appropriate cover for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical evacuation/repatriation by:
- Air Ambulance
- Sea Level Aircraft
- Ground Ambulance
- Commercial airline upgrade
- Commercial airline with medical escort
Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.
How to get assistance
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.
So that our 24/7 Emergency Medical Assistance Team 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
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.
Testimonial Title
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
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 teamCheap Travel Insurance.
Cheap isn't always the way to go.
- 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.
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.
- As featured in:
As featured in:
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.
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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.
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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 team