Scuba Diving Travel Insurance Coverage
US Residents can protect their adventures under the water with travel insurance
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As featured in:
At a glance:
- All World Nomads plans cover scuba diving up to 165 feet/50 meters
- Higher-tier plans offer coverage for more adventurous dives, including shark cage diving and free diving
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving, including the use of compression chambers if needed.
- Transportation if your condition is severe, acute or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply.
- Reimbursement for canceled scuba diving tours, delays, or interruptions due to covered events.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance benefits
- Plan levels for scuba diving trips
- What's not covered
- Top safety tips we recommend for your scuba diving trip
- FAQs
You’ve gotten your PADI certification and now you’re ready to explore beneath the ocean’s surface. From coral reefs in the Caribbean to shipwrecks in Australia, there’s no shortage of divine dive sites around the world. And while calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, accidents can still happen. Our travel protection plans include a range of adventure travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my scuba diving trip?
A slip and fall on the dive boat, decompression sickness, jellyfish stings, and ear barotrauma are just some of the unexpected issues that could derail even the most carefully planned dive trip. Travel insurance and non-insurance services designed for scuba diving may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're diving among the abundant marine life in the Florida Keys or alongside the Great Wall of China (yes, that’s possible!).
Scuba diving travel insurance and non-insurance services for scuba diving: What may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For decompression sickness and cuts from coral when scuba diving -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen diving gear, or lost luggage on the way to you diving destination -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your plans.
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans also include several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.
What level of travel insurance coverage do I need for my scuba diving trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go scuba diving, you’ll probably be doing other fun things like sailing or kayaking. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans cover scuba diving up to 165 feet/50 meters.
- The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 196 feet/60 meters and has higher limits of coverage.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest benefit limits of coverage.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Scuba diving or traveling within 100 miles of your home
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Diving if your doctor has advised against it
- Dives that are deeper than your adventure travel insurance coverage allow
Top safety tips we recommend for your scuba diving trip
- Research your dive company: Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment.
- Don’t dive without proper certifications: Make sure you’ve gone through the proper coursework through PADI or NAUI based upon the type of dive you’ll be doing. If you don’t have the proper certification for your dive, you may not be covered by your travel insurance plan.
- Check (and double check) your scuba gear before getting in the water: Make sure everything is working properly and if you’re unsure about anything, let your guide know.
- Don’t dive alone or swim off on your own: Even if you see something cool underwater, don’t go check it out alone – you and your dive buddy need to stay together. Always know where your guide and buddy are at all times.
- Keep an eye on your air gauge: Monitor this closely so you can plan your return to the surface accordingly. Always make sure you have enough air to complete your dive.
- Ascend slowly and safely: Coming back to the surface too quickly can cause serious problems. Make sure to do safety stops at the appropriate depths.
- Get a good dry bag to hold a copy of the documents showing your scuba diving travel insurance and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for scuba diving. 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 scuba diving be covered by World Nomads Travel Insurance?
Yes, scuba diving may be covered under all four plans offered by World Nomads Travel Insurance. The Standard and Annual plans include non-insurance services and travel insurance coverage for scuba diving up to 165 feet/50 meters. The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 60 meters and has higher limits of coverage. The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest limits of coverage.
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What types of unexpected incidents may be covered while scuba diving abroad?
If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the coverage maximum benefit amount), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and you require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. With your adventure travel insurance benefits, you may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a scuba diving excursion, you’ll need to buy your insurance plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for scuba diving outside of the United States?
Yes, there are so many great places to scuba dive around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Australia, you could have the opportunity to dive the Great Barrier Reef or the SS Yongala, which is considered one of the best wreck dives in the world. When you get a quote for scuba diving travel insurance and non-insurance services, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while scuba diving?
If you’re hurt while scuba diving, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance Team is also included for support anytime, anywhere.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, when you purchase scuba diving travel insurance and non-insurance services, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel my dive trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, diving tours, and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add optional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase adventure travel insurance coverage and non-insurance services, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next scuba diving trip?
Not sure where your next scuba diving adventure should take you? Check out some of our favorite places around the world to dive and get destination-specific travel insurance tips to help you plan with confidence.
Best Scuba Diving Spots on Australia’s East Coast
Into the Deep: Scuba Diving the Great Wall of China
Trinidad & Tobago Discoveries: Caribbean Scuba Diving
Scuba Diving in Cuba: The 6 Best Dive Sites
20250730-4701483. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 coverage for Family Trips
Bringing the kids? Cover them all with one travel protection plan
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As featured in:
At a glance
- World Nomads travel protection may cover up to seven dependent children on a single plan when U.S. residents from the same state travel together.
- Family coverage may help with emergency medical expenses, medical evacuation, trip cancellation or interruption, and baggage protection.
- Plans include coverage for more than 250 activities, giving families flexibility to explore together.
- Standard, Explorer, and Epic plans offer different benefit levels, and children are covered up to the same per-person limits as adults.
- Why should I get travel protection for my family trip?
- How can World Nomads Travel Insurance cover me and my family?
- Coverages for Family Trips
- What may not be covered?
- Are dependents covered up to the same plan limits?
- Who can be covered under one travel protection plan for a family trip?
- Top safety tips we recommend for your family trip
- FAQs
Taking the children along this time? We love seeing young travelers discover the world. With World Nomads, you may be able to cover up to seven of your children—if you’re adventurous enough to bring them all!
Why should I get travel protection for my family trip?
Traveling with children is full of adventure—and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Travel insurance coverage for families may help you manage those unexpected moments and keep your trip on track.
Travel insurance for your family trip may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What happens if a parent or caregiver becomes ill or injured while on a trip with the children? World Nomads Travel Insurance plans for families may cover the transport of your minor children back home—accompanied by an attendant if necessary—if an insured adult is hospitalized for at least seven days or passes away during the trip.
With travel protection available for children and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
*Offerings may vary based on plan purchased and state of residence. Full terms of the plan apply.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel protection plans, designed for travelers by travelers, to help you travel confidently on your next family vacation. Our four plans each offer differing levels of coverage, so it’s important you compare plans and pick the best one for your family trip. Subject to terms and conditions, most of our plans offer coverage for:
What may not be covered?
- Pre-existing Conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
- Participation in activities not listed in our 250+ sports, activities and experiences
Are dependents covered up to the same plan limits?
Yes! The maximum benefit amount shown on the plan is the maximum amount payable per person (including children) based on the Standard, Explorer or Epic plan selected.
Who can be covered under one travel protection plan for a family trip?
When you buy a travel protection plan for family trips, coverage may extend to:
- Parents or legal guardians traveling with their dependent children (see plan document for definition).
- Families who live in the same U.S. state and are S. residents.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on one travel protection plan.
If your children don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be traveling with you on the plan to help ensure coverage for your whole family.
Top safety tips we recommend for your family trip
- Have a “Who to Contact First” Plan: Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and policy number. Keep it on paper and in your mobile in case batteries run low.
- Set a Family Meeting Point: For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated. Make it precise, like “Under the main departures board,” not “near security.”
- Share Live Location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc to keep track of everyone family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a cellphone, consider putting an AirTag on their shoe or backpack.
- Split Important Cards and Cash: Don’t keep all bank cards, cash, and passports in the same bag. Each adult (or responsible teen) carries one payment card and a copy of ID.
- Create Digital Backups of Documents Like: your passports, visas, travel insurance details, prescriptions, etc. Save them in a password-protected cloud folder and on a small USB.
- Check with the US Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like traveling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
20251118-4994389.FAQ
Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy an Annual Plan for my family?
No, the Annual Plan is only available per person. You can buy an Annual Plan for each family member separately.
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What may be covered if we need to cancel our family trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and other travel arrangements if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased. Cost and terms apply.
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What if one of the family gets sick while traveling?
If you get hurt or sick while vacation, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage.
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 hospitalized?
- 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?
- Medevac 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)
Flexible Travel Insurance for Expats
Learn why expats choose World Nomads for their overseas getaways and holiday breaks.
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As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
With flexible travel insurance that covers more than 250 activities, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.
If you’ve left home without travel insurance or your plan has run out while you’re still on the road, don’t panic. World Nomads has got you covered with simple and flexible travel insurance* plans that you can buy online, anytime, from anywhere in the world.
Travel insurance for expats
World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.
There are three main reasons expats keep coming back to World Nomads for their travel insurance:
1. Flexible travel insurance
We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long (up to 180 days for a single trip plan or 45 days for an Annual Plan), or as little, as you need. Note that you do need to come back to your home in the US in order to close out your trip; you cannot keep buying travel insurance plans without returning to the US after the maximum length is up.
2. Accessible online travel insurance even after you’ve left home
All you need is a good internet connection to purchase a plan, no matter if you are home or on the road, to get a travel insurance quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer. We offer two types of plans – Single Trip or Annual Travel Insurance. Within our single trip plans, we also have three levels of coverage– you can compare them when you get a quote and select the one that best suits your needs. Then read and accept the terms and conditions, pay for your insurance, and you’re done.
3. All the essentials you need covered, and more...
We designed our travel insurance plans around what our travelers most often claim for and tell us they want.
- 24/7 Emergency Assistance in multiple languages for a range of services. If you need help (medical, lost bags, crimes, natural disasters, etc.), they should be your first call.
- Emergency medical expense coverage that may include hospitalization, same day surgery and out-patient treatment, emergency dental coverage, and visits to registered medical practitioners.
- Coverage for delayed, lost or stolen baggage, gear and sporting equipment.
- Coverage for your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
- Mechanical breakdowns or transportation strikes that shut down travel on common carriers for 24 consecutive hours.
- Coverage for more than 250 adventure activities, sports and experiences, including rock climbing, snowboarding, bungee jumping, hiking and snorkeling.
- Coverage when your trip is delayed, interrupted or cancelled due to a covered reason.
- Pre-trip medical support via our non-insurance service partners at Runway Health & FootprintID. If you need vaccines or medicines for your vacation destination, we’ve got your back.
Some of our higher tier plans (Explorer and Epic) also offer coverage for:
- Rental Car Protection (applicable to state regulations; read your plan to make sure your state is covered).
- Travel inconveniences, like a ski resort that shuts down due to lack of snow or your cruise misses a port of call due to inclement weather. Note that you must have purchased your plan during the time-sensitive period in order to qualify for this benefit.
- Pet Kenneling for your furry friend if your travel delay causes them to stay at least six hours longer at their kennel than expected.
- Trip Exchange if your travel supplier (like a tour company or cruise) changes the dates on you and you are forced to incur extra expenses, or even cancel, as a result.
- Missed connection coverage for when you arrive too late to make your trip departure (like on a cruise or tour group) and you incur extra expenses to join at a different location (or port).
You can also add “Cancel for Any Reason” coverage to the Explorer and Epic plans, although an additional cost will be incurred. You must add this benefit to your plan during the time-sensitive period of 7 days after you make your first payment or deposit towards your trip. You may want to consider this if you are planning a big trip and have invested a lot of money, or if you are worried something could come up in the future that could cause you to miss it.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Broken glass shards
At 12:00 in the afternoon after a yoga class, I took a large jar of coconut water from the fridge, and accidentally dropped it on the counter and slipped onto the broken glass shards. I slipped while holding a jar. I hit my left wrist on the broken glass shards and had cut wound as a result. I looked at it quickly, saw open flesh flapping, wrapped it in a clean towel and called a taxi to go to the hospital as soon as possible. I had pain and numbness in my right wrist. No neck injury, no head injury, no other injuries apparent.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 Coverage for Pregnancy Complications
Expecting a new baby? Learn why you may want to consider travel insurance that may cover pregnancy complications
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As featured in:
At a glance
- World Nomads offers plans that may cover losses resulting from complications of pregnancy
- If you need to cancel or interrupt your trip due to a pregnancy complication, you may be reimbursed for pre-paid, non-refundable, unused, forfeited travel arrangements that you made in advance such as hotel accommodations, flights and tours. Terms and conditions apply to all mentioned above
- Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
- How are Pregnancy Complications defined in my travel protection plan?
- What May Be Covered for Pregnancy Complications
- Important to Know
- Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
- Take your medical records with you when you’re traveling while pregnant
- Tips we recommend for traveling while pregnant
- FAQs
Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
Did you book your dream vacation and then find out that you’re pregnant a week later? Or do you just need a little babymoon to have some relaxing time before your little one arrives? Either way, many women travel with confidence while pregnant, and you can too. We recommend you consult your doctor first just to make sure it’s safe for you to travel and then start thinking about the ‘what ifs’. As unexpected medical events can disrupt travel plans anytime, you may want to consider getting a quote for travel protection which includes insurance benefits and non-insurance services that may cover pregnancy complications.
How are Pregnancy Complications defined in my travel protection plan?
So what is a pregnancy complication? It’s important to know how World Nomads Travel Insurance plans define it. The following wording is directly from the plan document:
Complications of Pregnancy means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy.
What May Be Covered for Pregnancy Complications
- Emergency medical expense coverage
- Emergency evacuation and repatriation coverage
- Trip Cancellation or interrupting your trip due to complications from pregnancy
- Access to non-insurance services including pre-trip medical consultations
Important to Know
- Normal labor and childbirth, and routine check-ups are notcovered
- False labor or morning sickness are not covered. Only reasons listed in your plan documents may be covered
- In order to be eligible for coverage, you must be able to travel when you purchased the plan, and we recommend not travelling against your doctor’s orders
- Optional ‘Cancel for Any Reason’ travel insurance coverage may be beneficial for pregnancy
Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to $125,000 for accident & sickness medical expenses and up to $2,500 for trip cancellation Get a quote |
Up to $150,000 for accident & sickness medical expenses and up to $10,000 for trip cancellation Get a quote |
Up to $250,000 for accident & sickness medical expenses and up to $15,000 for trip cancellation Get a quote |
Up to $100,000 per trip and up to $5,000 trip cancellation for individual coverage term Get a quote |
Take your medical records with you when you’re traveling while pregnant
Another non-insurance service included when you purchase a World Nomads plan is access to our portable records service partner. They have a secure solution that allows you immediate access to your medical records anywhere in the world. If you’re traveling and end up in the hospital because of unexpected complications related to pregnancy, you’ll want your medical team to know about your prescriptions, allergies, medical conditions, immunization and more. It’s included, but you’ll need to register once you purchase a plan that includes coverage for pregnancy complications. Taking the time to set this up could be lifesaving for you and your baby if you unexpectedly have a medical emergency while you’re pregnant and traveling.
Tips we recommend for traveling while pregnant
- Always check with your doctor before traveling. If your doctor says you shouldn’t be traveling, and you do anyway, you may not be covered by your travel insurance coverage for pregnancy complications.
- Check with your travel providers to see if they have any restrictions for traveling while pregnant. For example, some airlines and cruises may not allow you to board when you’ve passed a certain point in your pregnancy.
- Before you leave, see if you need a note from your doctor. Some airlines may ask for a doctor’s note that states how far along you are in your pregnancy and confirms that you aren’t high risk.
- Book an aisle seat. It makes it easier to get up and down to go to the restroom.
- To help with circulation, wear compression socks when flying or taking long rides in a car or on a train. According to the National Institutes of Health, women are up to five times more likely to develop deep vein thrombosis (DVT) when they are pregnant. The potential for these blood clots may increase when you’re traveling and not moving for long periods of time.
- Drink plenty of water. The American Heart Association says that dehydration can cause Braxton-Hicks contractions.
- Pack all of your medications in your carry-on bag. If you have World Nomad Travel Insurance that may include coverage for pregnancy complications, it can also include coverage for lost and delayed bags, but you won’t want to be without any necessary medications.
- Avoid strenuous excursions. Even though World Nomads covers over 250 sports, activities and experiences, you may want to save some adventures like bungee jumping until after the baby arrives. Exclusion applies to Adventure or Extreme Activities.
FAQ
Here are our most frequently asked questions about cover for pregnancy. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Can I fly while I’m pregnant?
That’s up to you to discuss with your doctor. Your airline might ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications. It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to make a claim.
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Are trip cancellation insurance benefits included in my travel protection plan in the event of a pregnancy complication?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if you have pregnancy complications before you travel that prevent you from traveling. You’ll need documentation from your medical team if you plan to make a claim though.
(The optional ‘Cancel for Any Reason’ add-on allows you to cancel for any reason not otherwise covered by the plan, but it is only available for those who purchase the Explorer or Epic plans, and it must be purchased during the time sensitive period. Available at an additional cost for U.S. residents, not available to residents of New York.
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What complications of pregnancy may be covered?
Complications of Pregnancy are conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy. If you have questions, contact us and ask.
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How do I make a claim?
You can make a claim online, but you’ll need to provide required documents that may include:
- Copies of receipts and invoices showing the unused, forfeited, prepaid,
non-refundable travel expenses that you paid for in advance and weren’t able to use because of your pregnancy complications
- Copies of receipts and invoices for medical expenses
- Documentation from your medical team showing that they advised you not to travel
You must notify us within 20 days of any losses and submit your documentation within 90 days or as soon as reasonably possible.
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 hospitalized?
- 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?
- Medevac 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)
Travel Insurance for Dental Emergencies
Learn how travel insurance for US Residents may cover emergency dental treatment expenses abroad.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What does travel insurance cover for overseas emergency dental treatment?
- What isn’t covered by travel insurance dental coverage?
- What to do if you are experiencing a dental emergency abroad?
Broken or chipped teeth can happen at any time. It could be seeded bread in Berlin, olives in Athens, or chestnuts in Istanbul. Or perhaps you’re surfing in Sayulita and get hit in the face by your surfboard, which breaks your tooth.
If pain or injury suddenly strikes while you’re traveling out of the country and you find yourself dealing with a dental emergency, World Nomads Travel Insurance may help cover the overseas emergency dental treatment you need to get relief.
What does travel insurance cover for overseas emergency dental treatment?
Our plans may cover overseas dental expenses if you need to see a dentist while traveling for unexpected emergencies. For example, World Nomads dental coverage can help you if you need to seek immediate relief of sudden pain to healthy, natural teeth for things like:
- An unexpected infection
- Chipped or broken teeth
- Injuries to your mouth or jaw due to an accident
You may have coverage under the emergency medical section of your plan for things like:
- The services of a physician or dentist
- X-rays, treatments and lab tests
- Hospital fees
Limits, terms, and conditions of overseas dental coverage vary depending on the plan you buy and your past dental history. The pain or injury must have occurred while you were on your trip. When you get a quote for travel insurance* coverage, you can compare the plans side-by-side to determine which one might be right for you. Pay attention to the medical coverage, as this applies to emergency dental treatments too.
To streamline your experience seeking dental treatment abroad, we recommend signing up for our Portable Health Records service before your trip. This non-insurance service allows documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or to deal with a more serious injury, this service can expedite the process.
Travel insurance tip: To be reimbursed for costs incurred during overseas dental emergencies, your dental illness or injury must be confirmed in writing by your treating medical practitioner. You must get copies of all medical and dental records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Coverage is limited to the amount shown in your plan wording.
What isn’t covered by travel insurance dental coverage?
Travel insurance isn’t designed to cover everything. Our dental plans cover dental emergencies but not routine dental work. Here are things we don’t cover:
- General check-ups and routine maintenance
- Getting your teeth straightened
- New teeth or fillings following pain relieving treatment
- Major dental work such as crowns, dentures, bridges, and implants
- Buying a plan after the pain has set in
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were healthy enough to travel when you made the purchase
- Non-emergency treatment that can wait until you return home. Remember: the coverage isn’t health insurance; it's for travel emergencies.
- Treatment needed due to participation in activities outside of your plan’s limits
- Dental expenses once you return home from your trip
What to do if you are experiencing a dental emergency abroad?
- Contact the Emergency Assistance team first: The Emergency Assistance team can help take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
- Explain what is going on: The 24/7 emergency assistance teams have connections and relationships with dental providers all over the world and can refer you to the most suitable one for your particular emergency.
- Refer to your plan documents to make sure what you are dealing with falls within the perimeters of your particular plan: The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the plan 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.
- Ask yourself: is it a true emergency or is this care that can wait until you get home to the US? Remember, World Nomads Travel Insurance covers dental emergencies only, not routine care. If you are unsure if what are you dealing with is a true emergency, give us a call.
- Save all receipts and documentation from the dental provider: Documentation is needed to be reimbursed for qualifying expenses. You’ll likely need to pay in advance. You can submit a claim online either right then or you can wait up to 20 days afterwards to do so.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
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 teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for US Residents
- As featured in:
As featured in:
At a glance:
- World Nomads offers plans that cover hiking at high altitudes, including treks 26,247 feet/8,000 meters with the Epic Plan.
- All travel insurance plans have coverage for emergency medical expenses, evacuations, baggage loss, trip cancellations, and 250+ other adventure activities.
- Optional Cancel for Any Reason (CFAR) coverage adds flexibility if plans change unexpectedly (must be added within 7 days of first deposit for your trip).
- Access pre-trip telehealth services to get travel medication, like altitude sickness pills or necessary vaccinations, before you go.
- How can I protect my hiking trip with travel insurance coverage?
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Travel insurance benefits for hiking
- What's not covered
- Top tips for your hiking adventure
- Other adventure activities covered
Whether you’re trekking to Everest's Base Camp, Tanzania's Mt. Kilimanjaro or just going for a high-altitude hike in a neighboring state, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.
Hiking and trekking travel insurance coverage
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer coverage for some of the world’s most famous hikes and 250 other sports, activities and experiences.
We offer four plans – Standard, Explorer, Epic and Annual – each with different maximum elevaton coverages for your hike:
-
Standard Plan
covers hikes up to
19,685 feet/6,000 meters -
Explorer plan
covers hikes up to
21,325 feet/6,500 meters -
Epic plan
covers hikes up to
26,247 feet/8,000 meters -
Annual plan
covers hikes up to
19,685 feet/6,000 meters
Get a quote and compare the plans to see which level of coverage is right for you.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia or embarking on the Tour du Mont Blanc.
What travel insurance benefits could cover you and your hiking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses: if you get hurt while hiking on your trip and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your hiking injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
All plans also include several additional non-insurance services that may support you both before and during your hike. These include pre-trip medical consultations and storing your medical records digitally.
What may not be covered?
- Being under the influence of narcotics
- Unattended baggage, sporting equipment or personal items.
- Travel within 100 miles of your home.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our pre-departure telehealth service to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits for covered activities. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel protection plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers three single-trip travel protection plans (Standard, Explorer, and Epic), plus an Annual Plan, each with different elevation coverage to match your goals. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage by plan:
-
When should I purchase travel insurance if I’m planning an adventure?
Many travelers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse non-refundable costs if you cancel for a covered reason (like sickness or injury). If you’re considering purchasing the Explorer or Epic plans with optional Cancel For Any Reason (CFAR) coverage, it must be purchased within seven days of your first trip deposit (such as booking a flight or putting money down on a hotel). Purchasing early also gives you access to our non-insurance pre-trip telehealth service, which can help you get essential medications—like altitude sickness pills or antibiotics just in case last night’s campfire chili doesn’t agree with you. Planning ahead means more flexibility and fewer surprises on the trail.
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for insurance coverage with World Nomads?
Yes, each plan has a different altitude maximum.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
-
Do I need insurance coverage for multi-day hiking trips?
Yes, multi-day hiking and trekking adventures may require more robust travel insurance coverage due to the added risks of being in remote areas for extended periods. World Nomads offers a range of plans that may cover emergency medical care, evacuation, trip cancellation, gear protection, and more. Our plans also include different elevation limits, so whether you're doing a relaxed overnight hike or a challenging high-altitude trek, you can choose a plan that fits the level of adventure you're planning.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
20250224-4259830Travel 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 hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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)
We cover 250+ activities you love
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 Death Overseas
Learn how travel insurance for Canadians may help your family if you die overseas
- As featured in:
As featured in:
At a glance
- Coverage for the unthinkable: World Nomads offers plans for Canadian residents that include travel insurance for overseas death
- Bringing you home: If you die while you’re travelling, travel insurance may cover the costs to return your remains to Canada
- Support for loved ones: Your friend or family member may be reimbursed for certain expenses they incur (up to maximum limits) if they need to travel to identify your body
- Extra protection: Additional benefits may be available to your family if your death is due to a flight or travel accident
- Why should you consider travel insurance that covers death overseas?
- What’s Covered for Overseas Death
- Exclusions
- Maximum Limits
- What Your Family and Friend Needs to Do if You Die Overseas
- Tips for Staying Safe While Travelling
- FAQs
Why should you consider travel insurance that covers death overseas?
You may not worry about what happens to you after you die, but your family will, particularly if it happens overseas. Although it’s unlikely that you’ll die on your trip, it could happen. Canada’s Annual Consular Data Report stated there were around 1,500 Canadian deaths that happened abroad from 2024-2025. The priority of your loved ones will be to bring you home – and that will come with additional costs.
World Nomads single trip and annual multi-trip travel insurance plans include benefits for overseas death that may help cover certain expenses such as transportation costs to return your remains to Canada and cremation or burial within your destination. If you die while on an overseas trip and a friend or family member needs to travel to identify your body, your travel insurance benefits may cover expenses such as airfare, hotel accommodations, meals, and taxis. If you die due to a flight or travel accident, your beneficiary or next of kin may receive additional compensation (up to maximum limits as shown in your policy documents). During this stressful time, our team may also be able to help navigate overseas laws, different languages and formalities.
What’s Covered for Overseas Death
- Return of your remains back to Canada
- Local cremation or burial in your overseas destination
- Reasonable additional expenses if someone needs to travel to identify your body
- Accidental death benefits for certain flight or travel accidents
Exclusions
- Suicide
- Deaths resulting from the use of drugs or alcohol
- Criminal acts that result in death
- Participation in activities not listed as covered in your policy documents
- Pre-existing conditions, as outlined in your policy documents
- Any expenses within Canada once your remains are returned to your next of kin
- Terms and conditions apply; read your plan documents to understand the coverage
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Return of Remains (Preparation and Transportation): Up to $5,000 CAD Identification of Remains: Economy/charter airfare and up to $500 Flight Accident: Up to $50,000 Travel Accident: Up to $10,000 Get a quote |
Return of Remains (Preparation and Transportation): Up to $5,000 Identification of Remains: Economy/charter airfare and up to $500 Flight Accident: Up to $100,000 Travel Accident: Up to $25,000 Get a quote |
Return of Remains (Preparation and Transportation): Up to $5,000 Identification of Remains: Economy/charter airfare and up to $500 Flight Accident: Up to $150,000 Travel Accident: Up to $50,000 Get a quote |
Return of Remains (Preparation and Transportation): Up to $5,000 Identification of Remains: Economy/charter airfare and up to $500 Flight Accident: Up to $100,000 Travel Accident: Up to $25,000 Get a quote |
What Your Family and Friend Needs to Do if You Die Overseas
It’s essential that your family or travel buddy get in contact with our 24/7 Emergency Assistance Team as soon as possible, so that our team can support them from the time you die until your remains have returned home.
To help our Emergency Assistance team assist them quickly, they'll need the following:
- Your policy number
- Your location
- As many details as possible about the circumstances surrounding your death
So, leave a copy of your policy with your family or friend, just in case they need to use it.
Tips for Staying Safe While Travelling
- Register with Canadians Abroad to stay updated on emergency situations.
- One way to try to avoid unnecessary injuries is to pick activities that align with your health and fitness abilities. World Nomads Travel Insurance for Canadian residents may cover over 250 adventure sports and activities, but you and your doctor should assess your own personal health to determine which ones you should participate in.
- Save your policy number and the 24/7 Emergency Assistance phone number in your cell phone-just in case. If a medical emergency does happen, you’ll want to be able to easily access that quickly.
- Leave a copy of your travel insurance policy with a friend or family member as well. If you die while travelling, they will need your policy number if they intend to file a claim.
FAQ
Here are our most frequently asked questions about cover for death overseas. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
What happens if my body can’t be found?
If you’re in a flight or travel accident during your trip, and your body is missing for 12 months, we will presume that you have died because of the accident. Your designated beneficiary may receive travel insurance benefits (up to maximum limits as shown in your policy documents). If you didn’t assign a beneficiary, the benefits will be paid to your spouse or to your estate.
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What does my family need to do if I die while travelling?
It is a good idea to leave a copy of your travel insurance policy with a family member or close friend, just in case they need to use it. If you die while travelling, they will first need to reach out to our 24/7 Emergency Assistance team. They will also need to file a claim online. They’ll need to know your policy number, and provide other documentation. For example, your next of kin will need to sign an authorization to release medical information and they will need a statement from your attending physician.
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Who will receive compensation from my travel insurance benefits if I die in a flight accident?
After we’ve reviewed the claim and determine that it meets the terms and conditions for payment, any benefits payable will be paid to the beneficiary that you named and have on file with us. If you didn’t assign a beneficiary, the benefits will be paid to your spouse. If you do not have a living spouse, the benefits will be paid to your estate.
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If I die on my trip, do I have to be buried in that destination?
No, World Nomads single trip and annual multi-trip travel insurance plans include benefits for overseas death that may help cover certain expenses such as transportation costs to return your remains to Canada (up to maximum limits as shown in your policy documents).
-
If I have a bad accident overseas and survive, will I be able to go back to Canada?
If it is deemed medically necessary that you should go back to your home province, your repatriation benefits may help cover the costs to get you back to Canada for treatment (up to maximum limits as shown in your policy documents). You must be pre-approved for these benefits by calling the 24/7 Emergency Assistance Team. Terms and conditions apply.
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Are benefits for overseas death automatically included in World Nomads Travel Insurance plans?
Yes, all of the single trip and annual multi-trip plans include travel insurance for death overseas that may include benefits such as return of remains and expenses for a friend or family member to travel for the purposes of identifying your body (up to maximum limits as shown in your policy documents).
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 hospitalized?
- 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?
- Medevac 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)
Medical Evacuation and Repatriation Travel Insurance
Canadians can get medically evacuated through travel insurance benefits in an emergency
- As featured in:
As featured in:
At a glance
- Coverage that brings you home if you need it: World Nomads offers travel insurance plans for Canadians that include medical evacuation and repatriation benefits
- When local care isn’t enough: If you’re seriously hurt or sick and there aren’t adequate medical facilities in your destination, you may be covered for the costs of being transported to a place where you can get medical treatment
- Back to Canada for treatment: You may be covered for the costs to travel back to your home province if your medical provider and the 24/7 Emergency Assistance Team determine it’s best for you to go back to Canada for treatment
- Support for loved ones: It may also include the transportation for a family member or companion to your bedside or the return of a dependent child back to your home (terms and conditions apply)
- Coverage in the worst-case scenario: World Nomads also covers repatriation of remains if you die on vacation
- Why should you consider travel insurance that covers medical evacuation and repatriation?
- What’s Covered for Medical Evacuation and Repatriation
- Exclusions
- Maximum Limits
- What is the difference between emergency evacuation and repatriation?
- Tips for Staying Safe While Travelling
- FAQs
Why should you consider travel insurance that covers medical evacuation and repatriation?
No matter where you’re travelling, accidents and sickness can happen at any time. But what happens if you get seriously hurt while trekking through South America and the nearest hospital or appropriate medical facility is far away? The Canadian Government will not pay for a medical evacuation or air ambulance, and they recommend getting travel insurance that includes medical evacuation and repatriation. The government shared an example of a Canadian who had to come up with $300,000 CAD to pay for medical treatment and evacuation after an accident while travelling. Medical transport could be a lifesaver, but it could also quickly deplete your savings.
Travel insurance for emergency evacuation and repatriation may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. It may also cover the transportation costs for dependent children to go back home if you are transported back to your home province or are in the hospital for at least 24 hours. If you’re travelling alone and in the hospital for at least 3 days, it may also include the transportation of a family member or companion to your bedside.
What’s Covered for Medical Evacuation and Repatriation
- One-way airfare to return you to your home province
- Fares for additional seats should you need to accommodate a stretcher
- Flight upgrade to business class when the extra space is medically required
- Where medically necessary, medical air evacuation to a hospital in your home province
- Round-trip airfare for a medical escort when a requirement by the airline or when medically necessary
- Transportation costs for a friend or family member to be at your bedside
- Return transportation costs for dependent children
Exclusions
- Not contacting us before seeking emergency evacuation or repatriation
- Incidents related to drug or alcohol use
- Travelling for the purpose of securing medical treatment
- Pre-existing conditions, as outlined in your policy documents
- Non-emergency treatment that can wait until you return home
- Terms and conditions apply; read your plan documents to understand the coverage
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 Emergency Evacuation and Repatriation: Up to $250,000 Bedside Companion: One-way economy/charter airfare and up to $1,500 ($150 per day for 10 days) Get a quote |
Emergency Medical Expenses: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Bedside Companion: One-way economy/charter airfare and up to $2,000 ($200 per day for 10 days) Get a quote |
Emergency Medical Expenses: Up to $10,000,000 Emergency Evacuation and Repatriation: Up to $750,000 Bedside Companion: One-way economy/charter airfare and up to $2,500 ($250 per day for 10 days) Get a quote |
Emergency Medical Expenses: Up to $5,000,000 Emergency Evacuation and Repatriation: Up to $500,000 Bedside Companion: One-way economy/charter airfare and up to $2,000 ($200 per day for 10 days) Get a quote |
What is the difference between emergency evacuation and repatriation?
World Nomads Travel Insurance may cover both medical evacuation and repatriation, but those are two different things. An emergency evacuation may cover transporting you to the nearest suitable medical facility where treatment is available if you have an acute, severe, or life-threatening medical emergency and there’s not adequate treatment in your immediate area.
Repatriation is a type of evacuation that may return you back to your home province when a doctor advises that you should no longer travel. This typically happens after your condition has stabilized, and travel insurance for repatriation may cover your transportation to get you back to your home province so you can seek further treatment there.
World Nomads travel insurance also covers repatriation of remains if a traveller dies on vacation. While it’s rare, the Canada’s Annual Consular Data Report stated there were around 1,500 Canadian deaths that happened abroad from 2024-2025. You may not worry about what happens after you die, but your family will, particularly if it happens overseas.
Tips for Staying Safe While Travelling
- Register with Canadians Abroad to stay updated on emergency situations.
- Before you leave Canada, we encourage you to check out the Canadian government’s travel advice for your destination. On their website you’ll be able to see if there’s any health risks that you need to be aware of and learn about any required or recommended vaccines.
- Bring your medications along in your carry-on. Your plan may include travel insurance for delayed baggage, but if your checked baggage is delayed or lost, you won’t want to be without any needed prescriptions.
- One way to try to avoid unnecessary injuries is to pick activities that align with your health and fitness abilities. World Nomads Travel Insurance for Canadian residents may cover over 250 adventure sports and activities, but you and your doctor should assess your own personal health to determine which ones you should participate in.
- Save your policy number and the 24/7 Emergency Assistance phone number in your cell phone-just in case. If a medical emergency does happen, you’ll want to be able to easily access that quickly. Addressing a medical situation quickly could stop it from becoming a worse situation. Also, don’t forget that you must contact us before seeking emergency medical treatment, emergency evacuation or repatriation.
FAQ
Here are our most frequently asked questions about cover for medical repatriation. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can my family member or a friend come get me if I’m hurt?
In some situations, yes. If you are travelling alone and are admitted to the hospital for three days or more, we cover the cost for economy or charter class airfare and subsistence allowance for someone to be with you (up to maximum limits as shown in your policy documents).
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Does my Government Health Insurance Plan (GHIP) cover medical evacuation and repatriation?
The Canadian government does not usually cover the costs of medical evacuation and repatriation, but you should check your particular Government Health Insurance Plan to see what is covered. However, World Nomads offers plans for Canadian residents that may include travel insurance for medical evacuation and repatriation.
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Can travel insurance help if I get hurt when I’m travelling to a remote area?
The single trip and annual multi-trip plans offered by World Nomads include travel insurance for medical evacuation and repatriation. If you have an acute, severe, or life threatening medical emergency and there’s not adequate treatment in your immediate area, you may be transported to the nearest suitable medical facility where treatment is available. If your medical and 24/7 Emergency Assistance team feels that you should go back to your home province for treatment, you may be covered for the costs to get back home for treatment.
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What should I do if I have a medical emergency while travelling abroad?
If you’ve purchased a World Nomads plan that includes travel insurance for medical evacuation and repatriation, contact the 24/7 Emergency Assistance Team as soon as you can. They’re available 24 hours a day, 7 days a week, 365 days a year.
You’ll want to have this information handy when you call:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
The key thing to remember is that you must contact us before seeking emergency medical treatment, emergency evacuation or repatriation.
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What happens if I die while travelling?
If you die overseas as the result of an accident or a sudden and unexpected illness, World Nomads Travel Insurance plans for Canadian residents may offer coverage for:
- Local cremation or burial overseas
- Return of your remains back to Canada
- Reasonable additional expenses if someone needs to travel to identify your body
In addition, we also have emergency assistance teams who can assist your family – keeping them informed, putting them in contact with consular officials, and helping them with the often difficult administration that surrounds overseas death.
The return of your remains must be authorized in advance and approved by our 24/7 Emergency Assistance Team.
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How much does travel insurance for medical evacuation and repatriation cost?
When you get a quote for travel insurance for medical evacuation and repatriation, you’ll input information about your trip that includes the destination and dates. It just takes a few minutes and you’ll then be shown the prices for single trip and annual multi-trip travel insurance plans for Canadian residents. You’ll be able to compare the coverage and maximum benefit limits for each plan, and at that point, you can choose the best travel insurance plan for your needs. If you have any questions about what is covered, reach out to our team and they can explain it.
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 hospitalized?
- 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?
- Medevac 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)
Delayed Baggage Travel Insurance
Delayed bags? Canadian travellers may be covered for essentials
- As featured in:
As featured in:
At a glance
- Travel insurance for delayed luggage: World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that include coverage for delayed bags
- Baggage delay benefits after 12 hours: If your checked-in bags or sporting equipment are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items
- Essential item and equipment rental coverage: You may be reimbursed for a change of clothes, the cost of cleaning your clothes, toiletries, and the rental of sporting equipment (up to maximum limits shown in your policy documents)
- Lost and stolen luggage protection: Additional coverage may also be included for lost or stolen bags
- Why should you consider travel insurance for delayed bags?
- Expenses You May Be Reimbursed For if You Have a Baggage Delay
- Important to Know
- Maximum Limits for Delayed Baggage
- What to Do If Your Bags Are Delayed
- FAQs
Why should you consider travel insurance for delayed bags?
If you’ve ever been the last one standing at the baggage carousel at the airport, you know the sinking feeling that comes when you realize that your bag didn’t make it to your destination. Even though your bag may eventually get to you, you could find yourself waiting for a long time. Data reported by TravelPulse Canada showed that when a bag goes missing, less than 20% of Canadians receive it the same day. Almost 15% have to wait more than a week to be reunited with their bags, and 2.3% wait months.
If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you may be reimbursed for things such as toiletries or a change of clothes. If you checked sporting equipment such as golf clubs or skis and they’re delayed, you may also be covered for rentals of necessary equipment (up to maximum limits shown in your policy documents) so that you can still enjoy your trip.
Sometimes bags are gone forever, though – and your travel insurance plan may also include additional coverage for lost or stolen bags that may reimburse you for the depreciated value to replace items such as clothing, cameras, computers and more (terms and conditions apply along with maximum and per-item limits).
Expenses You May Be Reimbursed For if You Have a Baggage Delay
- Toiletries
- Underwear
- Socks
- A change of clothes
- Pajamas
- Expenses to clean your clothing
- Rental of sporting equipment
Important to Know
- Only necessary items are covered, not things like jewelry and perfume
- Documentation will be required from your common carrier showing that your bags were delayed
- Delays of less than 12 hours aren’t covered
- Coverage is subject to per-item and total maximum benefit amounts as shown in your policy documents
Maximum Limits for Delayed Baggage
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Baggage Delay: Up to $250 CAD Sporting Equipment Delay: Up to $400 CAD total, and up to $200 CAD per item Get a quote |
Baggage Delay: Up to $500 CAD Sporting Equipment Delay: Up to $1,000 CAD total, and up to $500 CAD per item Get a quote |
Baggage Delay: Up to $1,000 CAD Sporting Equipment Delay: Up to $1,500 CAD total, and up to $750 CAD per item Get a quote |
Baggage Delay: Up to $500 CAD Sporting Equipment Delay: Up to $1,000 CAD total, and up to $500 CAD per item Get a quote |
What to Do If Your Bags Are Delayed
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- If your checked bags are delayed by your common carrier for at least 12 hours, you may be reimbursed for essential items such as toiletries and a change of clothes. Review your plan documents to see what your per-item and maximum limits are.
- Don’t go on a shopping spree and get a new wardrobe if your bags are delayed. Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure. We highly suggest you do this so there won’t be surprises.
- Save receipts for all items you purchase.
- You’ll then need to file a claim online and submit relevant documentation such as a written statement from your airline showing that your bags were delayed and receipts for the necessary items you purchased.
FAQ
Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do World Nomads plans include travel insurance for delayed bags?
Yes, all of the World Nomads plans for Canadian residents include travel insurance for delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-item and maximum limits. You can then see which travel insurance plan is the best for your needs.
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Can I get new clothes to wear until my bags are found?
We totally understand if you want to change out of your travel clothes, and if your baggage is delayed for at least 12 hours, you may be reimbursed for toiletries and a change of clothes until you and your bags are reunited. Per-day and maximum benefit limits do apply though, so this doesn’t mean you should go on a shopping spree and buy expensive designer outfits. You’ll want to reference your policy documents to see your limits, and if you have any questions, you can contact our team.
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Does travel insurance include coverage for stolen bags?
If your bags are stolen while you’re travelling, and you didn’t leave them unattended, you may be able to be reimbursed for the depreciated value of certain items that you can prove you owned. Make sure you report the theft to local authorities as soon as it happens though – you’ll need that documentation. Also, per-item and maximum limits apply, so you’ll want to reference your policy documents to see how much you may be able to claim. If you have any questions about what you may be able to claim, contact our team.
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What do I do if the airline loses my bags?
If your airline loses your bags that you checked, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. After you’ve exhausted reimbursement benefits from your airline, travel insurance may cover the depreciated value of lost items (up to the maximum and per-item limits shown in your policy documents.) You’ll also need to keep any relevant tickets, luggage check information, receipts and other documentation related to the issue. You’ll need these items if you plan to make a claim.
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If my bags are delayed, what may I be reimbursed for?
If your checked-in bags are delayed at least 12 hours en route to your destination, your plan can reimburse you for essential items so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
If you’re not sure what you can claim, contact our team.
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Can I be reimbursed for a new coat if my bag is delayed and I’m in a cold destination?
If your checked-in bags are delayed for at least 12 hours en route to your destination, your plan may reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (or other clothing to suit the weather of your destination), you may be reimbursed for that.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including maximum limits, before making any purchase to replace your delayed items.
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If I checked my golf clubs and they’re delayed, does travel insurance cover rental clubs?
If you checked your golf clubs, and they are delayed by your airline for at least 12 hours on the way to your destination, you could also be reimbursed (up to the maximum and per-item limits shown in your policy documents) if you need to rent clubs while on your trip.
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 hospitalized?
- 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?
- Medevac 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)
Baggage Travel Insurance for Canadian Travellers
Learn how travel insurance for baggage may help if your bags are lost, delayed, stolen or damaged
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that includes protection for baggage, sporting equipment, and personal items
- Lost, stolen, and delayed bags and sporting equipment may be covered
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for necessary personal effects for essential items such as clothing and toiletries, so you're not left wearing the same thing until you get your bags (up to maximum benefit limits as shown in your policy documents)
- Damaged or stolen passports, baggage, or personal items such as cameras and computers may be covered (up to the depreciated value and subject to per-item and maximum limits)
- Why should you consider travel insurance for stolen, lost or delayed bags?
- What’s Covered by Baggage Insurance
- Important to Know
- Maximum Limits for Baggage and Personal Items
- How to Make a Claim for Lost or Stolen Baggage and Personal Effects
- Travel and Packing Tips
- FAQs
Why should you consider travel insurance for stolen, lost or delayed bags?
We’ve been the ones sitting at the baggage carousel waiting for the bag that never came, and unfortunately, we’re not the only ones. Data reported by TravelPulse Canada showed that almost one in three Canadians have had their luggage misplaced by an airline. Because of that, you may want to consider getting a quote for travel insurance for baggage and personal effects. If your bags are lost by a common carrier, travel insurance may reimburse you for the depreciated value to replace items such as clothing, cameras, computers and more (maximum benefit limits and per-item limits apply).
Sometimes your bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you may be reimbursed for things such as toiletries or a change of clothes (up to maximum benefit limits shown in your policy).
What’s Covered by Baggage Insurance
- Baggage delays by your airline or other common carrier on the way to your destination
- Bags and sporting equipment lost or damaged by your airline or common carrier
- Stolen baggage or personal items (including your smartphone or camera)
- Stolen sporting equipment
- Sporting equipment delay
- Damaged, lost, or stolen passports and IDs
Important to Know
- Bags left unsupervised or in an unlocked car won’t be covered
- Stolen items must be reported to the local authorities and you must obtain a police report.
- Benefits are payable only after you’ve exhausted reimbursement from your transportation carrier or other responsible parties
- Lost or stolen items are subject to depreciation
- Coverage is subject to per-item and total maximum benefit limit amounts as shown in your policy
Maximum Limits for Baggage and Personal Items
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Baggage Loss: Up to $1,000 CAD total, and up to $500 per item Baggage Delay: Up to $250 Travel Documents Theft or Damage: Up to $250 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 for each item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
Baggage Loss: Up to $5,000 total, and up to $1,500 per item Baggage Delay: Up to $1,000 Travel Documents Theft or Damage: Up to $1,500 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 per item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
How to Make a Claim for Lost or Stolen Baggage and Personal Effects
If your baggage or personal effects get stolen or damaged, you must notify us within 24 hours of the loss. You must also report the theft or damage to police, as well as your tour operator representatives, the hotel manager or official transportation representative, and obtain a written report.
When making a claim, you may need to submit documentation such as:
- A letter of coverage or denial from the transportation carrier or other responsible party
- The written report regarding the theft or damage
- Receipts for all lost or stolen articles over $149.99 CAD
Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen while travelling. These are challenging circumstances, but there are a few essential traveller tips that can help you be proactive, in hopes that you can avoid these situations.
- Consider travelling with a carry-on only. This is the best way to avoid bags getting lost or delayed by your airline.
- If you must check a bag, make sure your medications, glasses, contact lenses and hearing aids are in your carry-on. You won’t want to be without those things and travel insurance for lost or delayed bags won’t cover those items.
- If you need to make a claim for a lost or stolen bag, you’ll need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing prior to leaving on the trip.
- Enable location tracking on your phone, tablet and laptop.
- Leave the flashy jewelry and valuables at home.
FAQ
Here are our most frequently asked questions about cover for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do World Nomads plans include travel insurance for lost or delayed bags?
Yes, all World Nomads plans include travel insurance for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-item and maximum limits. You can then see which travel insurance plan is the best for your needs.
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Does travel insurance include coverage for stolen bags?
If your bags are stolen while you’re travelling, and you didn’t leave them unattended, you may be able to be reimbursed for the depreciated value of certain items that you can prove you owned. Make sure you report the theft to local authorities as soon as it happens though and obtain a written report – you’ll need that documentation. Also, per-item and maximum limits apply, so you’ll want to reference your policy to see how much you may be able to claim. If you have any questions about what you may be able to claim, contact our team.
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What do I do if the airline loses my bags?
If your airline loses your checked baggage, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. After you’ve exhausted reimbursement benefits from your airline or other responsible party, you can submit a claim; travel insurance may cover the depreciated value of lost items (up to the maximum benefit limits and per- item limits shown in your policy). You’ll also need to keep any relevant tickets, luggage check information, receipts and other documentation related to the issue. You’ll need these items if you plan to make a claim.
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Does travel insurance cover pickpocketing?
Pickpocketing is common in some destinations and is especially prevalent in areas where there are large crowds. While there are things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance may cover the cost to replace your stolen items (subject to depreciation). Just make sure you make a report with the local police as soon as it happens and obtain a written report. You will need this documentation if you plan to make a claim.
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What should I do if my passport is stolen?
If your passport is stolen, or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of a replacement (up to maximum limits as shown in your policy documents).
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.
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Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. You may be eligible for reimbursement of the actual cash value (which is the purchase price less any depreciated value) or the cost of replacement. The policy defines depreciated value, making proper allowances for wear and tear based on the age of the item.
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If my bags are delayed, what may I be reimbursed for?
If your checked-in bags are delayed by your airline or other common carrier for 12 hours or more en route to your destination, your plan may provide reimbursement for necessary personal effects such as essential items like clothing and toiletries, so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
If you’re not sure what you can claim, contact our team.
-
Are high value items covered by travel insurance?
If a high-value item has been stolen or damaged, you are able to submit a claim up to the maximum benefit limits applicable to the baggage, personal effects and sporting equipment section of the policy.
Keep in mind that there are some things that we don’t cover at all such as antiques and collectibles, furniture and fragile objects. Always read your plan wording carefully to ensure you have adequate coverage for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.
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 hospitalized?
- 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?
- Medevac 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)