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Travel Insurance for Overseas Medical Emergencies

Learn how Canadians can protect their adventures abroad with travel insurance for medical emergencies

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  • As featured in:

At a glance

  • Help when sickness strikes: Coverage for medical emergencies may be included in the single trip and annual multi-trip plans for Canadian residents
  • Coverage for unexpected illnesses and injuries: You may be covered for unexpected medical emergencies like a broken leg, food poisoning and more
  • Support for emergency medical expenses abroad: You may be reimbursed for expenses such as physician costs, hospital stays, ambulance transportation, x-rays and prescription medication
  • Care that gets you back home if needed: You may be covered for the costs to travel back to your home province if your medical provider determines it’s best for you to go back home for treatment

Why should you consider travel insurance for medical emergencies?

While you’re exploring the world and making great memories, unexpected injuries and illnesses can sometimes put a halt to your fun. Nobody plans to break a leg, be bitten by a shark, or get food poisoning, but it can happen. Data from the World Health Organization (WHO) states that about 1 in 10 people in the world get sick after eating contaminated food – resulting in 420,000 deaths each year. If you’re hit with a bad case of food poisoning while travelling outside of Canada, you may need to see a doctor.

Your Government Health Insurance Plan could be limited when you travel outside of your province, though, and may only pay a small portion, if any, of your medical expenses. While those unexpected costs aren’t something you want to deal with, the biggest priority is to make sure you’re safe and healthy. You also want to make sure you have access to the level of medical care you need while you’re travelling. Because of these things, you may want to consider getting a quote for travel insurance that includes emergency overseas medical coverage.

Medical Expenses That May Be Covered 

  • Physician costs
  • A hospital stay
  • Services of a licensed private duty nurse while you’re in the hospital
  • Prescription medication
  • Tests needed to diagnose your condition
  • Ambulance transport
  • One follow-up visit related to the emergency that happened on your trip

Exclusions 

  • Non-essential medical treatment
  • Accidents that happen as a result of drug or alcohol use
  • Pre-existing medical condition(s) as explained in your policy documents 
  • Injuries resulting from activities that aren’t listed within your plan
  • Follow-up visits that happen more than 14 days from your initial emergency 
  • Travelling against your doctor’s advice
  • Giving birth overseas

Maximum Limits for Medical Emergencies

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Emergency Evacuation and Repatriation: Up to $250,000 CAD 



Get a quote

Emergency Medical Expenses: Up to $5,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $500,000 CAD 



Get a quote

Emergency Medical Expenses: Up to $10,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $750,000 CAD 



Get a quote

Emergency Medical Expenses: Up to $5,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $500,000 CAD 



Get a quote

*You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.

Compare all benefits and plans

What to do if You Get Sick or Injured Overseas

It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you're well again.

So that our emergency assistance team can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are and/or your cell phone number
  • The nature of your problem
  • Your location

Don’t forget to save all documentation related to your medical emergency, including medical reports, receipts, etc. You’ll need those if you plan to make a claim.

Tips for Avoiding Medical Emergencies While Travelling

Many medical emergencies are unanticipated, but there are a few things you can do to help prevent unwelcome medical 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 are 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 travel insurance may include coverage for delayed baggage, but if your checked baggage is delayed or lost, you won’t want to be without any needed prescriptions.
  • Stay hydrated! Make sure you drink plenty of water, but depending on your destination, you may want to opt for bottled water. In some destinations, the water quality isn’t the same as what you’re accustomed to in Canada.
  • Pick activities that align with your health and fitness abilities. If you’ve never hiked, Mt. Everest isn’t the place to start. 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.
  • You may find it helpful to 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.

FAQ

Here are our most frequently asked questions about cover for overseas medical. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Does travel insurance help if I have pregnancy complications while travelling?

    You may be covered for emergency medical expenses if you experience complications of pregnancy (up to maximum limits as shown in your policy documents). However, you must maintain coverage through your home province’s Government Health Insurance Plan. Without it, emergency medical coverage limits max out at $40,000. Pre-existing medical conditions that are excluded in the policy may not be covered, though.

    It’s also important to note that pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. Travel insurance also won’t cover the costs of childbirth if the baby comes while you’re travelling.

  • What happens if I have a medical emergency overseas while I’m travelling alone?
    Just because you’re travelling alone doesn’t mean you have to deal with a medical emergency by yourself. If you’re admitted to the hospital for three or more days during a solo trip, travel insurance for overseas medical emergencies may cover the cost for someone to travel to be with you during your time of need. In addition to a plane ticket, travel insurance may also cover their costs for things such as hotel accommodations and meals for up to 10 days (up to maximum limits).
  • If I’m travelling with my kids, what happens to them if I’m in the hospital?
    If you’re travelling with your children, and you’re admitted to the hospital for more than 24 hours, or you have to return home because of a medical condition that’s validated by a physician, transportation costs for your dependent children may be covered so they can travel back to Canada (up to the maximum limits shown in your policy documents). They must be covered under the policy too, though.
  • What happens if I die while travelling overseas?

    World Nomads Travel Insurance plans for Canadian residents include coverage that may help your family get assistance if you die overseas as the result of an accident or a sudden and unexpected illness. Coverage may be available (up to the maximum limits shown in your policy documents) for: 

    • Return of your remains to Canada
    • Local cremation or burial overseas
    • Reasonable additional expenses if someone needs to travel to identify your body
  • What happens if I die while travelling overseas?

    World Nomads Travel Insurance plans for Canadian residents include coverage that may help your family get assistance if you die overseas as the result of an accident or a sudden and unexpected illness. Coverage may be available (up to the maximum limits shown in your policy documents) for: 

    • Return of your remains to Canada
    • Local cremation or burial overseas
    • Reasonable additional expenses if someone needs to travel to identify your body

    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 

    Leave a copy of your policy with your family or friend, just in case they need to use it. 

  • What types of medical expenses may be covered?

    World Nomads offers travel insurance for overseas medical emergencies that may cover a variety of expenses, including:

    • Physician costs
    • Hospital costs 
    • Prescription medication
    • Tests needed to diagnose your condition
    • Ambulance transport

    Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000. 

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us. 

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Migin/IStock
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Travel Insurance for Emergency Evacuation and Repatriation

Learn how travel insurance benefits may provide emergency evacuation abroad

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers plans that include travel insurance benefits for medical evacuation and repatriation.
  • If your condition is acute, severe, or life threatening and there aren’t adequate medical facilities in your immediate area, you may be covered for the costs of being transported to a place where you can get suitable medical care. Terms and conditions apply.
  • If your local treating medical provider and our non-insurance Travel Assistance Team determines it’s best for you to go back to the United States, you may be covered for the costs to travel back to your point of origin or primary residence. Additional terms and conditions apply.
  • You may be reimbursed for the cost of transporting your baggage if you're evacuated and your baggage doesn't accompany you.

Why should you consider travel insurance that covers medical evacuation and repatriation?

No matter where you’re traveling, accidents and sickness can happen at any time. But what happens if you get hurt while trekking through South America and the nearest hospital or appropriate medical facility is far away? You’ll need to get to a place where you can get medical care, and in some instances, you may need to come back home for treatment.

The US Department of State’s website states that most health insurance plans don’t pay to get you back to the US if you need medical evacuation. Per their estimates, an air ambulance back to the United States can cost up to hundreds of thousands of dollars. Medical transport could be a lifesaver, but it could also quickly deplete your savings. Because of that you, you may want to consider getting a quote for a single-trip or annual travel protection plan that includes travel insurance benefits for medical evacuation and repatriation. Those benefits may cover, up to the maximum benefit amounts, the cost to get you to the closest adequate medical facility or home for further treatment. If you’re going to be at the hospital for more than 7 consecutive days, it may also include the transportation of a family member or companion who can be with you at your bedside, or the return of a dependent child back to your home.

What Could be Covered for Medical Evacuation and Repatriation

  • Commercial flights
  • Air ambulance or Medevac flights
  • Sea level aircraft
  • Helicopter
  • Ground ambulance
  • Necessary medical services and supplies
  • The return of your baggage

Important to Know

  • Pre-authorization is required for medical evacuation from the local attending physician and our 24/7 Non-insurance Emergency Assistance Team
  • Medical evacuation is only applicable if you have an acute, severe, or life- threatening medical emergency and there’s not adequate treatment in your immediate area
  • Continued medical care once you’re back home isn’t covered
  • Terms and conditions apply; read your plan documents to understand the coverage

Plans and Medical Evacuation Maximum Benefit Amounts

Compare all benefits and plans
Standard PlanExplorer PlanEpic PlanAnnual Plan
Up to $400,000 for medical evacuation and repatriation of remains, and up to $1,000 for baggage return 

Get a quote		 Up to $500,000 for medical evacuation and repatriation of remains, and up to $1,000 for baggage return

Get a quote		 Up to $700,000 for medical evacuation and repatriation of remains, and up to $1,000 for baggage return

Get a quote		 Up to $100,000 per trip for medical evacuation and repatriation of remains, and up to $1,000 for baggage return

Get a quote

What is the difference between medical 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 home to the US when a doctor advises that you should no longer travel. This typically happens after your condition has stabilized. At that time, your travel insurance benefits for repatriation may cover your transportation to get you back home to the US to your point of origin or primary residence so you can seek further treatment.

World Nomads travel insurance also covers repatriation of remains. You may not worry about what happens after you die, but your family will, particularly if it happens overseas.

Travel Safely: Things We Recommend You Do Before Departing on Your Trip

  • Research your destination. Check out the US government’s safety warnings for your destination before traveling. You can see if good medical care is widely available in the locations where you’ll be. You can also view all current advisories listed by the US Department of State.
  • Sign up for portable health records. This is one of the non-insurance services included when you purchase a World Nomads plan with travel insurance benefits for medical evacuation and repatriation. This is a secure solution that allows you to have immediate access to your medical records anywhere in the world. If you’re traveling and end up having a medical emergency, it’s helpful for your medical team to know about important things such as your prescriptions, allergies, and medical conditions.
  • Check vaccination requirements before you go. Your World Nomads plan includes another additional service that gives you pre-trip medical support. A team of US-licensed physicians can prescribe you vaccinations and medications that you may need for the destinations where you’ll be traveling.
  • Have travel protection information easily accessible. Save the phone number for the 24/7 Non-insurance Emergency Assistance Team in your phone, as well as the plan number for the travel protection plan you purchased. In remote areas, you may not have cell service or electricity to charge your phone, so it’s not a bad idea to have a copy of this printed as well. You don’t want to be searching for that information if you have an emergency.
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FAQ

Here are our most frequently asked questions about cover for emergency evacuation. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • What should I do if I have a medical emergency while traveling abroad?

    In the event of a life-threatening emergency, call the local emergency authorities first to receive immediate assistance. If you’ve purchased a World Nomads plan that includes benefits for medical evacuation, and repatriation, contact the 24/7 Non-insurance Emergency Assistance Team as soon as possible. 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 plan number
    • A contact number where you can be reached
    • The nature of your problem
    • Your location
  • How do I file a claim?

    You can file a claim online, but you must notify us within 20 days of any losses, or as soon as is reasonably possible, and submit documentation within 90 days – including all receipts and invoices from medical and transportation providers. In order to submit a claim for a medical evacuation, you will need to get a pre-authorization by our 24/7 Non-insurance Emergency Assistance Team before you’re evacuated, and you’ll need to submit proof of that as well.

20251229-5087479. 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

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Solovyova/IStock
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Travel Insurance Benefits for Delayed Bags

Learn how travel insurance benefits may help US Residents if an airline delays their bags

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  • As featured in:

At a glance

  • World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
  • Travel insurance benefits for delayed bags are included in all World Nomads plans (per-day and maximum limits vary by plan)
  • If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes
  • A non-insurance service that’s included with all plans may help reunite you with lost checked baggage

Why should I consider travel insurance and non-insurance assistance services for delayed bags?

According to the Bureau of Transportation Statistics, more than 5% of bags are lost, damaged, delayed, or pilfered by US air carriers*. If your luggage goes missing, World Nomads Travel Insurance offers travel protection plans with two ways to help—first by helping track it down with an included non-insurance service perk, and second by helping cover essential purchases while you wait. The non-insurance service covers every flight, anywhere in the world. If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still missing, your next message should be to our Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly.

If your checked-in bags are delayed or misdirected by your common carrier for more than 12 hours en route to your destination, your plan may also reimburse you for 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, such as a warm coat if you’ve arrived at the ski slopes in Japan. (Per-day and maximum limits apply.)

Items You May Be Reimbursed For

  • Underwear
  • Socks
  • A change of clothes
  • Toiletries
  • Pajamas
  • Reasonable essential items deemed necessary

Some exclusions that may not be covered

  • Eyeglasses, sunglasses, or contact lenses
  • Hearing aids
  • Orthodontic devices
  • Prescription medications
  • Credit cards**
  • Tickets**
  • Cash and documents**

**(except as otherwise specifically covered herein)

Maximum Benefit Amounts For Baggage Delay

Standard PlanExplorer PlanEpic PlanAnnual Plan
Up to $150 per day, up to a maximum of $750

Get a quote		 Up to $200 per day, up to a maximum of $1,000

Get a quote		 Up to $250 per day, up to a maximum of $1,250

Get a quote		 Up to $200 per day, up to a maximum of $1,000 total

Get a quote
Compare all benefits and plans

What to Do If Your Bags Are Delayed

  • Report it to your airline or other common carrier.
  • Complete all documentation required by the carrier.
  • Contact our Delayed or Lost Baggage Tracking and Delivery service partner and provide them with the file reference, record locator number, and Property Irregularity Report.
  • 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 within 20 days after a loss occurs.
  • Submit relevant receipts for the items you buy as part of the claim process within 90 days.
Image not found

FAQ

Here are our most frequently asked questions about cover for delayed bags You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • What should I do if my bags aren’t at the airport when I land?

    If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report. 

  • Can I get new clothes to wear until my bags are found?

    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.

    Items you can claim reimbursement for if your bags are delayed include things like:

    • Underwear
    • Socks
    • A change of clothes
    • Toiletries
    • Pajamas

    If you’re not sure what you can claim under your baggage delay travel insurance benefits, contact our team.

  • 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 by more than 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 (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and 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 per-day and maximum limits, before making any purchase to replace your delayed items.

  • What is the non-insurance delayed and lost baggage tracking and delivery service?

    This is an additional service that is included in your World Nomads Travel Insurance plan. If your checked baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may help. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.

20260317-5304672. *This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. 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
  • 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Extreme-Photographer/IStock
  1. World Nomads
  2. Category
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Baggage Travel Insurance Benefits

Learn how travel insurance benefits for baggage may help protect US Residents if bags are lost, delayed, or stolen

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  • As featured in:

At a glance

  • Travel insurance benefits for lost, damaged, destroyed, stolen, or delayed bags are included in all World Nomads Travel Insurance protection plans
  • If your bags are delayed by at least 12 consecutive hours or more on the way to your destination, you may be reimbursed for necessary personal items until you are reunited with your belongings
  • Our non-insurance service included in every plan tracks and delivers missing checked bags
  • Stolen baggage, passports, or personal items such as cameras and computers may be covered (Up to per item and maximum benefit amount) Terms and conditions apply.

Why consider travel insurance and non-insurance assistance services for lost or delayed bags?

If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain for your belongings to appear, you know the sinking feeling that comes with losing your luggage. According to a 2024 air transportation study*, major airlines mishandle roughly 6 bags per 1,000 passengers — which equal over 33 million mishandled bags globally. Sometimes they just took a detour and ended up elsewhere temporarily, but occasionally they’re gone forever. Neither scenario is any fun, but a single-trip or annual travel protection plan that includes travel insurance benefits for lost or delayed bags may be able to help when your bag ends up somewhere other than where it’s supposed to be. 

What May Be Covered in your plan

  • Reimbursement for the purchase of necessary personal Items (like toiletries or a change of clothes) if your baggage is delayed by a common carrier for at least 12 consecutive hours on the way to your destination
  • Delayed or lost baggage tracking and delivery service
  • Stolen bags or personal items (may include your phone or camera.) Terms and conditions apply.
  • Non-insurance assistance services to help with stolen passports, visas, or other travel documents

Important to Know in the Event of a Claim

  • Coverage is secondary to any reimbursement you receive from your common carrier
  • Subject to per-item and total maximum benefit amounts with the baggage and personal effects benefit
  • If you leave your bags unattended and they get stolen, you may not be covered
  • If your bag is lost or stolen, you must report it to the local authorities (airline, police, etc.) and get documentation of it

Baggage and Personal Effects Maximum Amounts

Standard Plan

Explorer Plan

Epic Plan

Annual Plan
$500 maximum benefit payable per article, up to $1,000 total

Get a quote		 $1,000 maximum benefit payable per article, up to $2,000 total

Get a quote		 $1,000 maximum benefit payable per article, up to $3,000 total

Get a quote		 $500 maximum benefit payable per article, up to $2,000 per trip

Get a quote

Baggage Delay Maximum Amounts

Standard Plan

Explorer Plan

Epic Plan

Annual Plan
Up to $150 per day, up to a maximum of $750

Get a quote		 Up to $200 per day, up to a maximum of $1,000

Get a quote		 Up to $250 per day, up to a maximum of $1,250

Get a quote		 Up to $200 per day, up to a maximum of $1,000

Get a quote
Compare all benefits and plans

What to do if your bags or belongings are lost, stolen, or delayed

  • If your bags are delayed, lost, or stolen, report it to your common carrier (airline, train, etc) or local authorities. Save proof of the report, documentation confirming delivery as well as reimbursement and receipts for essential items.
  • Complete all documentation required by the carrier.
  • If your bags are lost by an airline, contact our Delayed or Lost Baggage Tracking and Delivery service partner.
  • Review your plan documents to see what your per-item and maximum benefit amounts are.
  • If you need to purchase replacement items for a baggage delay, consider what can actually be considered ‘essential’ items versus ‘wants’ and save all receipts. You can file a claim online, but make sure you do it within 20 days after a loss occurs or as soon as is reasonably possible. In order to claim your travel insurance benefits for lost or delayed bags, you’ll need to provide required documents within 90 days of the loss.

Recommended Travel and Packing Tips

Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen when traveling. These are challenging circumstances, but there are a few essential traveler tips that can help you be proactive to try to avoid these situations.

  • Consider traveling with a carry-on only. This can be the best way for you to avoid bags getting lost or delayed by your airline. If you must check a bag, put a tracking device in it so you can check in on its whereabouts.
  • If you must check a bag, make sure your medications, glasses, contact lenses, hearing aids, and orthodontic devices are in your carry-on. You won’t want to be without those things and these items may be excluded from your baggage and personal effects travel insurance benefit.
  • In the event of a claim, receipts may be needed. Original receipts (if available) and a complete list of stolen, damaged or lost item(s) must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the item(s) is damaged; The easiest way to do this is to save receipts and take photos of what you are packing, prior to leaving on the trip.
*This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. 20251226-5080615. 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.

FAQ

Here are our most frequently asked questions about cover for baggage travel insurance benefits. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • If my bags are delayed, what necessary personal items could I be reimbursed for?

    If your bags are delayed by at least 12 consecutive hours or more en route to your destination, your plan may reimburse you for the necessary personal items like:

    • Socks
    • Underwear
    • A change of clothes
    • Toiletries
    • Pajamas

    Be sure to look at your plan wording, including per-day and maximum benefit amounts, before making any purchase to replace your delayed items. If you’re not sure what you can claim, contact our team.

  • Could high value items be covered by the Baggage and Personal Effects travel insurance benefit?
    Higher valued items like jewelry, watches, silver, gold or platinum items, furs and articles trimmed with fur, cameras, and camera equipment may be covered but are subject to special limits. Terms and conditions apply. Always read your plan wording carefully to ensure you have adequate coverage for your needs. If you still have questions, contact our team 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Jovo Jovanovic/Stocksy
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Emergency Medical Expense Coverage for Accidents and Sicknesses

Accidents happen. Learn how US residents can protect their trip with emergency medical expense coverage

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At a glance

  • Emergency medical help abroad: Accident & Sickness Medical Expense coverage for hospital stays, ambulance transport, prescriptions, and emergency dental treatment when you’re injured or sick overseas.
  • Medical evacuation and repatriation benefit: World Nomads Travel Insurance may help cover the cost of Emergency Medical Evacuation if needed. (Subject to Approval)
  • 24/7 global assistance: Our non-insurance Emergency Assistance team is on call 24/7 to help you find suitable care, communicate with doctors, and coordinate logistics in any language and in any time zone.
  • Stay healthy on the road: Get pre-trip telehealth advice, upload portable medical records, and follow simple steps to prevent foodborne illness and altitude sickness while traveling.

We’ve seen just about everything on the road—from motorbike spills and sudden illnesses to allergy attacks and even a shark bite. When the unexpected happens, knowing who to call and how to get help overseas can make all the difference. With a plan from World Nomads Travel Insurance, you can explore with confidence knowing you’re prepared for those “just in case” moments.

Why consider travel protection for medical emergencies abroad?

One of the top reasons our nomads buy travel protection plans that include the medical expense insurance benefit is to protect themselves if they get sick or injured while abroad. Food poisoning, car accidents, or sudden illness can strike when you least expect it. In fact, 27% of claims across all US travel insurance companies in 2024 were for situations like this. Sometimes you just need a doctor to prescribe medicine, but serious cases may require hospitalization, surgery, or emergency evacuation.

Your regular health insurance back home may not cover you once you leave the country. With travel insurance that includes the medical expense coverage, you can get help arranging treatment and avoid paying high out-of-pocket costs if you end up in a hospital or need emergency care while traveling.

The non-insurance Emergency Assistance Team is available 24/7, 365 days a year. They should be your first call in any emergency, if the situation allows it. They’ll ask you:

  • Your plan number (if you have it on you)
  • A contact number to reach you
  • The nature of your emergency
  • Your location
  • Any prescribed medication
  • Call them at: 1-877-289-0968 within the United States and 1-954-334-8143 from anywhere in the world.

Accident and Sickness Medical Expenses that may be covered:

  • Hospitalization
  • X-Rays and Lab Tests
  • Prescribed Medicines
  • Ambulance Transportation
  • Transportation to Your Primary Residence (Repatriation), if deemed medically necessary
  • Emergency Dental Treatment

What May Not Be Covered:

  • Non-emergency treatment that can wait until you return home
  • Care or treatment that is payable under any other insurance plan
  • Ongoing treatment at home
  • Any reckless or illegal behavior, including being under the influence of drugs or alcohol

Emergency Medical Coverage: Plan Comparisons

Standard PlanExplorer PlanEpic PlanAnnual Plan
$125,000 per person

Get a quote		 $150,000 per person

Get a quote		 $250,000 per person

Get a quote		 Up to $100,000 per person

Get a quote

Please note - plan benefits and provisions may vary by state jurisdiction.

Compare all benefits and plans

Our recommendations in the event of an unexpected medical emergency on your trip

  1. Get to safety. In a serious emergency, go to the nearest hospital or safe location immediately.
  2. Call our non-insurance 24/7 Emergency Assistance team. They can recommend trusted doctors or clinics nearby.
  3. Stay in touch during treatment. As the unexpected situation develops, keep our team informed so they can continue to assist you.
  4. Need to be moved? If medically necessary, the non-insurance Emergency Assistance team can help arrange medical evacuation or repatriation— contact our team first before organizing transport yourself.
  5. Keep your paperwork. Save all medical reports and receipts, then file a claim within 20 days after a loss occurs or as soon as is reasonably possible.

What you’ll need to file a claim

The exact documentation will vary, depending on the care you received and the out of pocket expenses you paid. Some examples of required documents could include:

  • Discharge records of injury or illness and reports for medical and/or dental expenses claimed
  • Copies of all bills, receipts, invoices from the provider of services
  • An incident report from the local authorities
  • An explanation of benefits from any other applicable insurance

Our Recommended Traveler Tips

  • Make use of our non-insurance service perks included in all plans.
    • Pre-Departure Telehealth Service – chat virtually with a medical professional who can prescribe you travel medications, like for altitude sickness or traveler’s diarrhea. They can even prescribe you necessary vaccines.
    • Portable Health Records – upload your medical records online so your necessary information travels with you.
  • Be aware about food and water. To avoid foodborne illness while traveling, follow the rule: boil it, cook it, peel it, or forget it. Don’t forget about safe water for brushing your teeth too.
  • Prepare a basic travel health kit. Pack essentials like pain relievers, bandages, electrolyte packets, and prescription meds. Include copies of your health insurance card and emergency contact numbers.
  • Stay aware of altitude and climate risks. If you’re traveling to high elevations or hot, humid regions, learn the symptoms of altitude sickness or heat exhaustion and pace yourself.
20251203-5010999. 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.

FAQ

Here are our most frequently asked questions about cover for overseas medical insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Why should I purchase a travel protection plan?
    Many U.S. health insurance plans may not cover you outside the country, which can make medical care abroad expensive. World Nomads Travel Insurance offers plans that may help reimburse costs for hospitalization, prescriptions, and emergency evacuation — plus offer support if your trip is interrupted or your belongings are lost.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Getty Images/Petar Chernaev
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Buy Travel Insurance Away From Home

If you forgot to buy travel insurance before you left, Canadians can still be covered

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents
  • You can purchase travel insurance even if your trip has already started (waiting periods, conditions and restrictions may apply) 
  • You can get a quote from almost anywhere in the world, as long as you have an internet connection
  • Coverage for emergency medical expenses, trip delay, lost bags, natural disasters, and more may be included (up to the maximum benefit limits shown in your policy documents) 

How can I purchase travel insurance if I’m already travelling?  

With all the excitement of packing your bags, jumping on a plane, and jetting off to a faraway destination, travel insurance may slip your mind. If you forgot to buy travel insurance before leaving on your trip, you may be asking yourself “Can I buy travel insurance while already travelling?” The answer is yes! 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 travel insurance plans for Canadian residents that you can buy online, anytime, from almost anywhere in the world – all you need is a good internet connection. Head to our website to get a quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits for the single trip and annual multi-trip plans that we offer. Make sure to read and accept the terms and conditions (including information on waiting periods, conditions and restrictions that may apply), pay for your insurance, and you’re done. It’s a simple process to buy travel insurance while already travelling, and within just a few minutes you’ll be back to lounging by the pool at your resort.

Excluded

  • Pre-existing medical conditions, as outlined in your policy documents 
  • Incidents related to drug or alcohol use  
  • Non-emergency treatment that can wait until you return home  
  • Expenses that are payable under any other source (travel insurance is considered secondary)  
  • Injuries or sickness that occurs in the 48-hour waiting period if you purchase a policy after you leave your home province 
  • Situations outside of the limits, terms, and conditions of coverage stated in your policy 

Maximum Coverage Limits

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD

Trip Interruption: Up to $2,500 CAD

Lost or Stolen Bags: Up to $1,000 CAD, per item limit of up to $500 CAD



Get a quote

Emergency Medical: Up to $5,000,000 CAD 

Trip Interruption: Up to $10,000 CAD 

Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD 



Get a quote

Emergency Medical: Up to $10,000,000 CAD 

Trip Interruption: Up to $15,000 CAD 

Lost or Stolen Bags: Up to $5,000 CAD, per item limit of up to $1,500 CAD 



Get a quote

Emergency Medical: Up to $5,000,000 CAD 

Trip Interruption: Up to $10,000 CAD 

Lost or Stolen Bags: Up to $2,000 CAD, per item limit of up to $1,000 CAD 



Get a quote
Compare all benefits and plans

How to Make a Travel Insurance Claim

Hopefully, you’ll have a smooth vacation and won’t need to use your travel insurance benefits. But even by being overly cautious and planning ahead, unexpected situations such as sickness and injuries can happen. A survey showed that 40% of travellers have experienced medical issues when travelling abroad.

If you have a World Nomads Travel Insurance plan, and experience a sudden, unforeseen circumstance due to a covered risk, you’ll need to contact us as soon as possible and provide certain information that may include:

  • Your name and contact information 
  • Your policy number 
  • The type of loss, as well as the amount 
  • The name of your travel suppliers 
  • The trip dates 
  • The amount you paid for your trip 

You can then file a claim online. Claims can be made through your World Nomads member’s page at: https://www.worldnomads.com/travel-insurance-claims. Depending on the reason for your claim, you’ll need to provide required documentation that may include: 

  • Receipts and invoices 
  • Itineraries
  • A statement from your attending physician 
  • Medical bills and reports.
  • Written documentation from the travel provider that explains the reason for your loss 
  • Proof of payment for the trip such as cancelled cheque or credit card statements 
  • Reports from the police or other authorities. 

FAQ

Here are our most frequently asked questions about cover for buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • When does my coverage start if I buy travel insurance after departure?

    If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from almost anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date (as shown on your policy certificate). Your departure date will be 12.01am local time on the date that you are originally scheduled to start your trip as shown on your policy certificate. Also, after an event has occurred, such as a natural disaster, you can’t be covered for that specific event. New events may still be covered, but if you’ve bought your policy after a storm is named we won’t be able to cover you for losses related to that storm.  

  • Am I required to have a GHIP if I am travelling?
    You must have Government Health Insurance Plan (“GHIP”) coverage in your home province for your entire trip to be eligible for the maximum emergency medical benefit limit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Getty Images/Petar Chernaev
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  3. Lifecycle
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Can I buy a travel insurance policy if I'm already overseas?

Get covered by World Nomads, even if you're already on the road.

    As featured in:

  • As featured in:

Can I buy a travel insurance policy if I'm already overseas?

I’m already overseas – can I get travel insurance?
Are there any special conditions?
How does a waiting period work?
Need to extend your policy?
FAQs

If you're a New Zealander and you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads may have you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.

We know it's easy to forget to buy travel insurance. With World Nomads, you can buy a travel insurance policy even after you've left home (waiting periods apply).

I’m already overseas – can I get travel insurance?

If you forgot to buy a policy before you started your trip, are outside New Zealand without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.

If you buy a policy while travelling, you'll have to wait up to 72 hours for full cover to apply. However, cover may apply straight away for emergency medical and dental expenses and medical evacuation and repatriation if you suffer a serious injury as a result of an accident that occurs after you buy your policy. 

Your Policy Document will have full details to understand the cover, limits, and exclusions.

Are there any special conditions?

If you buy a policy while you’re already travelling, you will need to wait 72 hours after purchasing before your cover will start. This is called a waiting period.

How does a waiting period work?

  • If you buy a policy when you're overseas and the policy start date is within 72 hours of issue of your certificate of insurance, you'll need to wait 72 hours for cover to begin.
  • If you purchase a policy when you're overseas and the policy start date is 72 hours or more after the issue of your certificate of insurance, cover for Cancellation or Trip Interruption expenses will begin 72 hours from the time we issue the policy, with all other benefits commencing on your departure date.

Get a quote and buy online 24/7

With World Nomads you can Get an instant quote anytime, anywhere, before you leave home or while you’re on the road.

Cover for medical emergencies

While there is a 72-hour waiting period if you purchase your travel insurance after you’ve started travelling, both our Standard and Explorer policies may offer cover for overseas medical expenses and medical evacuation and repatriation after the policy departure date and before the end of the 72-hour waiting period.

If something goes wrong and you suffer a serious injury as the result of an accident, there may be cover for emergency overseas medical and dental expenses, and emergency evacuation and repatriation expenses, without having to wait 72 hours.

All other cover and benefits still begin 72 hours from when your certificate of insurance is issued, and only for events first occurring after the 72-hour waiting period.

Need to extend your policy?

If you’re travelling and decide you want to travel for longer, we can help you stay covered by extending your existing policy for up to 12 months. Simply sign into your World Nomads membership to check eligibility and extend your cover before 11:59pm AEST/AEDT on the return date shown on your certificate of insurance. Check out our Helpdesk guide for more information on how to extend your cover.

Traveller tip: our 24/7 emergency assistance team is here to help if things go wrong. They can help organise medical transport, payment of hospital bills and assist with medical emergencies.

If you aren’t sure of anything, or have questions, be sure to check out our comprehensive FAQs or you can also contact us.

  • Buy while travelling
  • Get cover 24/7 online
  • Instant confirmation
  • Ongoing traveller support
  • 24/7 Emergency Assistance

Waiting periods apply

FAQs

Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team. 

  • Am I covered immediately after I buy?
    Not quite. There’s a 72-hour waiting period after you receive your Certificate of Insurance, but certain serious medical emergencies may be covered sooner.

Left home without travel insurance?

Learn how you can buy your travel insurance policy while traveling anytime from anywhere in the world by watching this video.

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

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Have you carked it?
  • Have your relos carked it?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech Trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images/Petar Chernaev
  1. World Nomads
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Can I buy a travel insurance policy if I'm already overseas?

Coverage from World Nomads, even if you're already overseas.

    As featured in:

  • As featured in:

Can I buy a travel insurance policy if I'm already overseas?

If you're an Australian and you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads may have you covered. With World Nomads, you can buy a travel insurance policy online, anytime, from anywhere in the world.

We know it's easy to forget to buy travel insurance. With World Nomads, you can buy a travel insurance policy even after you've left home (waiting periods apply).

I’m already overseas – can I get travel insurance?

If you forgot to buy a travel insurance policy before you started your trip, are outside Australia without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.

Are there any special conditions?

If you buy a travel insurance policy while you’re already travelling, you will need to wait 72 hours after purchasing before your cover will start. This is called a waiting period.

Traveller tip: The 24/7 emergency assistance team is here to help if things go wrong. They can help organise medical transport, payment of hospital bills and assist with medical emergencies.

How does a waiting period work?

  • If you buy a travel policy when you're overseas and the policy start date is within 72 hours of issue of your certificate of insurance, you'll need to wait 72 hours for cover to begin.
  • If you buy a travel insurance policy when you're overseas and the policy start date is 72 hours or more after the issue of your certificate of insurance, cover for Cancellation or Trip Interruption expenses will begin 72 hours from the time we issue the policy, with all other benefits commencing on your departure date.

Get a quote and buy online 24/7

With World Nomads you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.

Cover for medical emergencies

While there is a 72-hour waiting period if you purchase your travel insurance after you’ve started travelling, both our Standard and Explorer policies may offer cover for overseas medical expenses and medical evacuation and repatriation after the policy departure date and before the end of the 72-hour waiting period.

If something goes wrong and you suffer a serious injury as the result of an accident, there may be cover for emergency overseas medical and dental expenses, and emergency evacuation and repatriation expenses, without having to wait 72 hours.

All other cover and benefits still begin 72 hours from when your certificate of insurance is issued, and only for events first occurring after the 72-hour waiting period.

Need to extend your policy?

If you’re travelling and decide you want to travel for longer, we can help you stay covered by extending your existing policy for up to 12 months. Simply sign into your World Nomads membership to check eligibility and extend your cover before 11:59pm AEST/AEDT on the return date shown on your certificate of insurance. For more information, read our article on how to extend your cover.

If you have any questions, be sure to check out our comprehensive FAQs or you can also contact us.

  • Buy while travelling
  • Get cover 24/7 online
  • Instant confirmation
  • Ongoing traveller support
  • 24/7 Emergency Assistance

Waiting periods apply

FAQs

Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team. 

  • Am I covered immediately after I buy?
    Not quite. There’s a 72-hour waiting period after you receive your Certificate of Insurance, but certain serious medical emergencies may be covered sooner.

Left home without travel insurance?

Learn how you can buy your travel insurance policy while traveling anytime from anywhere in the world by watching this video.

The above features and benefits are a summary of cover only. Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the Product Disclosure Statement for the full details on what’s not covered as well as the terms, conditions, limitation, and exclusions.

If you are unsure of anything, please contact us for help.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Have you carked it?
  • Have your relos carked it?
  • Has a bushfire damaged your home?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech Trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
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Worldwide 24 hour Emergency Assistance

Wherever you are, we’re there to help!

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Emergency Assistance for New Zealanders 

24 hours a day, 7 days a week

If it's an emergency, such as a serious injury, sudden illness, an accident or hospitalisation, contact our Emergency Assistance team as soon as possible. Our Emergency Assistance Team are available 24/7, 365 days a year.

From New Zealand & Overseas:

+61 2 8263 0470

+61 2 8292 1470

Within Australia (free call):

1800 611 210

SMS: +61 4 1720 4602

Email: assist@worldnomads.com

Not a kiwi? Find the right Emergency Assistance team: 

Be prepared.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location
  • Prescribed medication (if any)

How does my travel insurance policy help me in an emergency?

Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.

Bitten by a tick in Colombia

I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
Claim Paid: USD $1,134.17
A.B. Norwegian Nomad in Colombia
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Worldwide 24-hour Emergency Medical Assistance

Wherever you are, we’re there to help!

    As featured in:

  • As featured in:

Emergency Medical Assistance for travellers from the UK


For policies purchased on or after 27 June 2024:

Emergency Medical Assistance: 24 hours, 7 days a week
Phone (from anywhere in the world): +44 (0) 144 444 2021
Email: worldnomads.assist@collinsoninsurance.com


For policies purchased before 27 June 2024:

Emergency Medical Assistance: 24 hours, 7 days a week
Phone (from overseas): +44 (0) 20 3093 1750
Email: worldnomadsassist@axa-assistance.com



Not British? Find the right Emergency Assistance team by changing your Country of Residence

Be prepared

So that our 24/7 Emergency Medical Assistance teams can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location
  • Prescribed medication (if any)

How does my travel insurance policy help me in an emergency?

Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.

Toes caught in bike spokes

I was riding my bicycle along a remote stretch of road with my son on the back on a child seat. Somehow my son managed to get his toes through the frame of the bike and his foot caught in the spokes and brought the bike to a sudden stop. His foot and ankle were completely twisted around and facing backwards, his shoe and sock had come off and all the skin had been flayed off his ankle and heel – it looked like there was bone visible. My mobile phone would not work so I went to a nearby house where the 96-year-old owner called the ambulance. When the ambulance came they immobilized the foot and ankle and took us to the hospital. The emergency room could not determine whether it was a fracture in the growth plates or a severe sprain so they splinted it and referred my son to an Orthopedic doctor.
British nomad