Travel insurance cover and tips for expats
Cover for expats worldwide for medical emergencies, sports and activities, trip cancellations, and more.
- Trusted by:
Trusted by:
World Nomads travel insurance is designed for adventure seekers who understand that living and working in other countries and among different cultures is a great privilege, and an education. Your decision to move abroad is a big one, considering the benefits of travel insurance may be beneficial for you and your loved ones.
What expats should keep in mind?
We've put together this expat tips checklist to help you plan before you set off on your next working holiday. Please note, benefit limits, terms and conditions apply depending on your Country of Residence and the plan you’ve selected.
- Change is constant, embrace it. Despite detailed planning pre-departure, things can change. We know how important flexibility is when abroad, so you can buy a policy before you leave home or while traveling for as long, or as little, as you need. If you decide to stay longer in a place than you thought you would or decide to change direction on a whim, we are happy to extend your policy and help you choose the right level of cover for your needs.
- Vaccinations are not new. For years, there have been rules in place for travelers regarding immunizations against serious illnesses, and the COVID-19 pandemic is no different. When planning your expat experience, check with embassies, global health bodies (such as the World Health Organization, US Centers for Disease Control and Prevention, etc) and government authorities of the countries you're hoping to visit about their entry requirements. Some countries now require proof of vaccination or a negative PCR test result (usually taken 48-72 hours before arrival). Read our COVID-19 Travel Insurance article and keep your vaccine and test records with you – they’re as important as your passport these days.
- Not all country entry rules are the same. We know the rules for entry to our own country, but what is acceptable in one country might not be the case in another, so do your research pre-departure. Check the entry rules and regulations for the places you plan to visit. The last thing you want to do is arrive somewhere new to you, only to be turned around for not having the correct paperwork or because you decided to travel to a country that had a ‘Do Not Travel’ warning in place.
- It’s not too late to buy travel insurance once you’ve set off. If you’ve been so busy that insurance is an after-thought, it’s never too late. World Nomads offers insurance for travelers between 18 and 65 (up to 69 years for US residents). Our policies are available to most nationalities who are working or traveling outside of their Country of Residence. You can buy a policy online using a credit card, and this can be done even after you’ve left home, but there are some exceptions, so check your policy details before purchasing.
- If you plan on driving overseas, do your homework. Driving in another country can be a big deal and at times quite scary, especially when the road rules differ, so make sure you know the requirements. Check the licensing rules (you may need to apply for an international driving permit depending on which country you’re from). Our Explorer Plan policy may be able to help with rental car excess if you’re involved in an accident, but you need to be correctly licensed, adhere to local laws, and have taken out a rental policy with the car hire company.
- If you’re a digital nomad, ensure you’re travel ready. Most expat travelers today don’t leave home without their tech devices – we’re talking digital cameras, laptops, air pods, drones etc. Aside from helping to document your travels, they’re not cheap and should be properly protected. At World Nomads, our policies may cover a wide range of everyday gadgets, but how we do that and how much we insure them for depends on the plan you choose. Terms and conditions apply.
- Adventure travel is fun, but also risky. Expats are an adventurous bunch, so it’s not surprising that many exciting activities will rate high on the to-do list. Our plans include cover for more than 150 activities globally – everything from backpacking to kayaking, hiking, and bungee jumping, but not all are covered under every plan, so read the full list here. You may need to pay an additional premium for higher-risk activities.
- Travel cover doesn’t replace international medical insurance. While we may offer cover for overseas emergency medical expenses, any treatment must be certified as medically necessary by an authorized medical practitioner or paramedic overseas and agreed by our Emergency Assistance Team. Your employer or host should take care of your medical cover. We also have some exclusions when it comes to pre-existing conditions. Our Emergency Assistance Team is available 24/7 in case of emergencies.
This is not a full list of what's covered. There are benefit limits and terms and conditions that apply. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it.
For more answers related to travel insurance coverage please visit our Help Center or if you have a specific question about World Nomads travel insurance contact us.
You’re in safe hands with World Nomads
Check out our True Claims video to get a behind the scenes look at how we can help you when something goes wrong.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, you can get a quote online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states, or provinces. Please carefully read your policy wording for a full description of coverage.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
Travel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Digital Nomads
Cover your tech while you're working or travelling overseas
- Trusted by:
Trusted by:
So you’re planning on a two-month flexcation (combining work and play) or maybe you’re dreaming of working remotely while you travel. While this sounds like a dream gig, life on the road can also be unpredictable. To be truly ‘travel ready’ you’ll need travel insurance to protect not only yourself, but your tech gear if something goes wrong.
Travel insurance: how are my electronics covered?
Our policies offer cover for a wide range of gadgets including:
- Photographic equipment
- Binoculars, telescopes
- Computers and/or accessories (including laptops, games and gaming consoles)
- PDA’s and tablet devices (including iPad’s and eBooks)
- Video cameras
- Audio visual equipment (including portable speakers and headphones)
- DVD players
- Mobile phones
- Drones and satellite navigation devices.
But how we cover your items (and how much) depends on your plan. We cover:
- When your gear is stolen when it’s under your supervision.
- Tech devices destroyed by a fire or a natural disaster.
Note: depreciation and wear and tear will be considered when calculating the claim settlement value of your electronic items (depreciation will not be applied to items listed as 'specified items' and you have paid the additional premium).
Whether you’re plugging into your social network or working remotely from a hub, we can help you protect your valuables and devices. Our seven tips can help you travel safely and keep your gear secure.
- Tip 1: keep your receipts: always keep receipts (hard or digital copies) of any gadgets bought before and during your travels in case you need to make a claim. You should also make copies of your travel documents, ID cards, credit cards, and other personal information that you’re taking with you on the trip.
- Tip 2: get proof in writing for any lost or damaged gadgets: if a common carrier (e.g. airline, bus company or hotel) has lost, delayed or damaged your gear you must notify them right away and get a record of the incident to support your claim. Our 24/7 Emergency Assistance team may be able to help you communicate with the local authorities if you don’t speak the local language.
- Tip 3: report theft to the police: if you’re bags or valuables are stolen, you need to report it ASAP to the local police as well as the common carrier, service provider or any other local authority. If you don’t it could affect your claim.
- Tip 4: protect your devices: with cyberattacks and identity theft now commonplace make sure your devices are protected to secure sensitive work data, banking details and more. Your laptop should be encrypted with strong passwords, a lock screen, and with antivirus or anti-malware software. Avoid using public WIFI hotspots, and never leave sensitive information or devices in your rental car or an unattended hotel room. If you must leave anything behind, make sure it is locked up in a safe.
- Tip 5: use a digital nomad visa: As the Covid-19 pandemic encouraged the remote working trend, many countries are offering digital nomad visas (a document or program that gives a traveller the legal right to work remotely while residing away from their country of residence). Countries offering digital nomad visas include - Costa Rica, Portugal, Estonia, and Malta, and the list is growing.
- Tip 6: prepare for trip delays: As a digital nomad you may be travelling between places by air or road or both. Travel insurance can help if your flight is delayed by more than 12 hours. Also, if you’re renting a car we offer cover for the rental car insurance excess on our Explorer Plan if your rental car is damaged or stolen. Cover is also available for the replacement of the rental car keys if lost, stolen or damaged during the rental period.
Travel insurance tip: our travel insurance policy doesn’t replace the need for you to purchase rental vehicle insurance or damage waiver cover through the rental vehicle company covering physical damage and theft of the rental car and your liability to third parties for injury or property damage while the rental car is in your care or control.
- Tip 7: follow local health and safety guidelines: always research COVID-19 health and safety guidelines for your intended destination(s) as it could save you time and money. Many countries have strict rules for travellers (including quarantine, a negative COVID-19 test, and in some cases a digital COVID-19 passport to prove you’ve been vaccinated).
Does my travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
Some of the main exclusions include:
- When you leave your gear unattended
- Electronic malfunctions (you can take that up with the manufacturer)
- Theft or damage incurred when your device is checked in with your luggage
- Items that you can't prove that you own (for example, you don't have a record of their purchase)
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Get a quote today and make that digital nomad dream a reality.
Tips for Digital Nomads
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
- Make a claim at home or on the road.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
FAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
-
If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
-
What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel insurance for Digital Nomads
Cover your tech while you're working or travelling overseas.
- Trusted by:
Trusted by:
If anything positive has come out of the COVID-19 pandemic it’s that people are looking for new ways to work while travelling. If you’re planning on leaving Ireland and adopting the digital nomad lifestyle then, as well as your laptop and passport, you may want to pack travel insurance just in case the unexpected happens.
Travel insurance: how are my electronics covered?
Our policies offer cover for a wide range of gadgets including:
- Photographic equipment
- Binoculars
- Telescopes
- Computers and/or accessories (including laptops, games and gaming consoles)
- PDA’s and tablet devices (including iPad’s and eBooks)
- Video cameras
- Audio visual equipment (including portable speakers and headphones)
- DVD players
- Mobile phones
- Drones and satellite navigation devices.
But how we cover your items (and how much) depends on your plan. We cover:
- When your gear is stolen when its under your supervision
- Tech devices destroyed by a fire or a natural disaster
Note: depreciation and wear and tear will be considered when calculating the claim settlement value of your electronic items (depreciation will not be applied to items listed as 'specified items' and you have paid the additional premium).
Whether you’re plugging into your social network or working remotely in a hub, we can help you protect your valuables and devices. Our seven tips could help you travel safely and keep your gear secure.
- Tip 1: keep receipts: Always keep receipts (hard or digital copies) of any gadgets bought before and during your travels in case you need to make a claim. You should also make copies of your travel documents, ID cards, credit cards, and other personal information that you’re taking with you on the trip.
- Tip 2: get proof in writing for any lost or damaged gadgets: If a common carrier (e.g. airline, bus company or hotel) has lost, delayed or damaged your gear you must notify them right away and get a record of the incident to support your claim. Our 24/7 Emergency Assistance team may be able to help you negotiate the local administration if you don’t speak the local language.
- Tip 3: report theft to the local police: If you’re baggage or valuables are stolen, you need to report ASAP to the local police authority and to the common carrier, service provider or any other local authority. If you don’t it could affect your claim.
- Tip 4: protect your devices: With cyberattacks now commonplace, make sure your devices are protected to secure sensitive work data, banking details and more. Your laptop should be encrypted with strong passwords, a lock screen, and with antivirus or anti-malware software. Avoid using public WIFI hotspots, and never leave sensitive information or devices in your rental car or an unattended hotel room. If you must leave anything behind, make sure it is locked up in a safe.
- Tip 5: use a digital nomad visa: As the Covid-19 pandemic encouraged the remote working trend, many countries are offering digital nomad visas (a document or program that gives a traveller the legal right to work remotely while residing away from their country of residence). Countries offering digital nomad visas include - Costa Rica, Portugal, Estonia, and Malta, and the list is growing
- Tip 6: prepare for trip delays: As a digital nomad you may be travelling between places by air or road or both. Travel insurance can help if your flight is delayed by more than 12 hours. Also, if you’re renting a car we offer cover for the rental car insurance excess on our Explorer Plan if your rental car is damaged or stolen. Cover is also available for the replacement of the rental car keys if lost, stolen or damaged during the rental period.
Travel insurance tip: our travel insurance policy doesn’t replace the need for you to purchase rental vehicle insurance or damage waiver cover through the rental vehicle company covering physical damage and theft of the rental car and your liability to third parties for injury or property damage while the rental car is in your care or control.
- Tip 7: follow any local health and safety guidelines: always research COVID-19 health and safety guidelines for your intended destination(s) as it could save you time and money. Many countries have introduced strict rules for travellers (including quarantine, a negative COVID-19 test, and in some cases a digital COVID-19 passport to prove you’ve been vaccinated).
Does my travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
Am I covered for Coronavirus while travelling?
As of 17 June 2021, World Nomads now offers Irish travellers cover for some Coronavirus-related events. Benefit limits, conditions and exclusions apply, and cover varies depending on the plan you choose.
What's not covered by travel insurance?
Some of the main exclusions include:
- When you leave your gear unattended
- Electronic malfunctions (you can take that up with the manufacturer)
- Theft or damage incurred when your device is checked in with your luggage
- Items that you can't prove that you own (for example, you don't have a record of their purchase)
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
FAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
-
If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
-
What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel Insurance for Digital Nomads.
Cover your tech while you're working or traveling overseas.
- Trusted by:
Trusted by:
In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. That's why our travel insurance plans have been designed for digital nomads. Whether you’re plugging into your social network or surfing remotely in a hub, we can help you protect your laptop, smart phones and other devices.
Always take some time out to double check the specific terms and conditions of your policy as there may be limits to what you can claim depending on the premium you have paid and what happens to your equipment while on the road.
How are my electronics covered?
World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).
Remember, depreciation and wear and tear on your gear are taken into account when we review your claim, and claims are subject to per item limit and total maximum benefit amount, which can be found in your policy wording.
In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.
You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.
Do you want to learn more about the digital nomad lifestyle? Read this article – How to be a Digital Nomad: Pro Nomads tell all.
Does my insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport)
- Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (you'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions may apply so please read your policy carefully.
If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Tips for Digital Nomads
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
- Make a claim at home or on the road.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
FAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
-
If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
-
If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
-
Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
-
What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
