One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Switzerland, hiking the Via Ferrata in Italy or sailing the seas of Croatia, World Nomads has cover available for you.

What’s Covered

World Nomads offers coverage (up to the policy limits) for:

• Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us. 
• Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us. 
• Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your plan, you may be able to recover your travel expenses.
• Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
• Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes 2 adults and up to 8 dependents on the one policy.
• Adventure, activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
• Cover for some Coronavirus-related events: Both our plans offer cover for coronavirus-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has more details, including terms and conditions, benefit limits and exclusions. 

What to look out for when travelling around Europe

Multi-Destination Trips

If you’re backpacking your way around Europe, staying in hostels, going out on the town, and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.

Families

Travelling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy, coronavirus, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.

Winter Activities

Winter activities in Europe are like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences.

Summer Adventures

An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking and rafting and sailing.

We offer two plans for New Zealand residents – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

• The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
• Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at level 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. 

How do the levels of activity and sports cover work?

Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan. Low-risk adventure sports and activities listed as Level 1.

Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences. Higher-risk adventure sports and activities listed as Level 2.

Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences. Highest-risk adventure sports and activities listed as Level 3 (including snow sports).

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Document for details or contact us.

What to look out for when travelling around Europe

• Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim. 
• Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unsupervised. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
• Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our Explorer plan can also offer cover for your rental vehicle insurance excess.
• Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

• Existing medical conditions – see the Policy Document for details.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the New Zealand Government (see safetravel.govt.nz)
• Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
• Unsupervised baggage or personal items, including any items left in a locked car overnight.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• Being intoxicated by alcohol or drugs.
• Any pregnancy-related illness after the 26th week of gestation. *Childbirth; regular antenatal care; care of a newborn child.

Be sure to read the Policy Document and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

Handy tips for travelling in Europe

• Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
• Pack light – especially if you’ll be travelling around Europe using public transport.
• Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
• Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.

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.

One of the great travel regions of the world, Europe has ancient cultures, diverse scenery and dramatic coastlines. Whether you’re skiing in France, hiking in Spain or island hopping in Greece, World Nomads has cover options available for you.

What's Covered

World Nomads offers coverage (up to the policy limits) for:

• Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us. 
• Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us.
• Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your plan, you may be able to recover your travel expenses.
• Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
• Family plans: add your children and grandchildren to our policies at no extra cost. Our cover includes 2 adults and up to 8 dependents on the one policy.
• Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
• Cover for some Coronavirus-related events: Both our plans offer cover for some coronavirus-related events. Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has more details, including terms and conditions, benefit limits and exclusions. 

Why should I consider travel insurance when visiting Europe?

Europe covers a massive area and is made up of a diverse range of countries, climates, cultures and people. In most cases, travelling goes off without a hitch. But having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.

Multi-Destination Trips

If you’re backpacking around Europe, staying in hostels, going out on the town, and adventuring whenever you can, travel insurance may provide cover for medical emergencies and evacuation, stolen items, and more than 150 activities, sports and experiences including volunteering and working.

Families

Travelling as a family can be a rewarding experience as you explore Europe together. Our policies can help cover for medical emergency, pregnancy, coronavirus, trip interruption and provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy, you can find more information on family cover by checking out our family travel insurance article.

Winter Activities

Winter activities in Europe are a must do on your travel activity list. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences.

Summer Adventures

An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking & rafting and even sailing.

We offer two plans for Australian Residents – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

• The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
• Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at level 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance. 

How do the levels of activity and sports cover work?

(1) Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan. Low-risk adventure sports and activities listed as Level 1.

(2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences. Higher-risk adventure sports and activities listed as Level 2.

(3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences. Highest-risk adventure sports and activities listed as Level 3 (including snow sports).

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your PDS for details or contact us.

What to look out for when travelling around Europe

• Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters such as flooding. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim. 
• Keep an eye on your gear 24/7: it’s very important that you NEVER leave your valuables unsupervised. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
• Baggage theft or loss: if you’re on a European road trip and your rental car is broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. The Explorer plan can also offer cover for your rental vehicle insurance excess.
• Pickpockets: while most countries in Europe are very safe to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

• Existing medical conditions – see the PDS for details.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see smartraveller.gov.au)
• Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
• Unsupervised baggage or personal items, including any items left in a locked car overnight.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• Being intoxicated by alcohol or drugs.
• Any pregnancy-related illness after the 26th week of gestation.
• Childbirth; regular antenatal care; care of a newborn child.

Be sure to read the PDS and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to use your cover.

Handy tips for travelling in Europe:

• Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
• Pack light – especially if you’ll be travelling around Europe using public transport.
• Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
• Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your PDS in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

From mountainous rainforests and volcanic calderas to its dramatic coastline and iconic surf beaches, Hawaii is great for travellers looking for adventure and relaxation.

Whether you’re looking to get some sun and pure relaxation or aiming for thrills and seek an action-packed adventure, it’s important to choose the right level of coverage. Read the policy wording, browse the World Nomads’ Help Centre, or contact our customer service team to see if what you’re planning to do is covered under your plan.

• What am I covered for?
• Coverage if bags are stolen, damaged or delayed when visiting Hawaii
• What to look out for when travelling around Hawaii?
• Do I need any documents when travelling to Hawaii?
• What's not covered?

What am I covered for?

The USA’s 50^th state is a safe and friendly place but the unexpected can still happen. Travel insurance can help if your bags are lost or stolen, if your transport is delayed or if you suffer an injury that lands you in hospital.

World Nomads offers coverage (up to the policy limits) for:

• Emergency overseas medical: the surfing in Hawaii is impressive but not if it ends in an accident. Emergency medical coverage can help when you need urgent medical treatment. Get to a doctor for treatment and medication and you can submit a claim to recover the costs (up to your benefit limit).
• Evacuation: the mountain hikes on Oahu might take you far away from medical facilities. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us. 
• Activities cover: we cover more than 150 sports and adventure activities, from ocean kayaking to mountain biking the forest trails on Maui. If your favourite sport isn’t on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. An upgrade for certain activities and sports may be required.
• Trip cancellation: has a sick or injured traveling buddy put a stop to your tropical adventure? Depending on your plan, you may be able to recover your travel expenses.

If you’ve already arrived in Hawaii and you forgot to buy travel insurance before leaving New Zealand, don’t panic. You can visit the World Nomads website at any time of the day or night and purchase a policy.

Coverage if bags are stolen, damaged or delayed when visiting Hawaii

Baggage that’s been delayed, lost or stolen is never a fun thing to deal with when travelling. If you’ve arrived in Honolulu but your bags haven’t or if they’ve been damaged or stolen on public transport, World Nomads baggage insurance can offer you cover for:

• Bags stolen or damaged: as soon as you’ve realised your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). You’ll need their Property Irregularity Report or similar to submit with your claim as well as a police report if stolen. You may be able to get compensation from the transport carrier if your bags were lost in transit and you’ll need to show you’ve attempted this if you decide to put in a claim. Where there is no compensation by the carrier, there is cover for the value of your belongings after allowing for wear, tear and depreciation.

• Bags delayed: if your checked-in baggage is delayed for more than 12 hours, there is cover to replace those essential items and toiletries while you wait for your bags to arrive.

What to look out for when travelling to Hawaii?

If you want to visit historic Pearl Harbour on Oahu and also tackle Volcanoes National Park on Hawaii Island, you’ll have flights and transports to navigate between islands.

While mostly idyllic, sometimes Hawaii experiences severe weather, flash flooding and volcanic activity. If adverse weather affects your connecting transport, or a natural disaster  occurs and you cannot use your booked accommodation, you may be covered for the related expenses to find other transport or accommodation.

Hawaii offers plenty of ocean-based activities like windsurfing, scuba diving or kayaking. But you don’t want to be left out of pocket if you have an accident and need medical help or even worse, if you have to be repatriated back home to New Zealand.

For injuries where treatment costs are not expected to exceed NZD$2,000, you can submit your receipts for reimbursement. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above NZD$2,000, you must call our 24/7 Emergency Assistance Team first to confirm cover and they will liaise with the hospital on your behalf to arrange payments.

There are many outdoor activities, sports, and experiences that are automatically covered and available on the Standard Plan. But, if you’re feeling extra adventurous, you can upgrade your level of cover for adventure sports and activities.

Do I need any documents when travelling to Hawaii?

You may need to apply for the Electronic System for Travel Authorization (ESTA) travel authorization system when travelling to Hawaii. The ESTA is an automated system that assists in determining eligibility to travel to the United States under the Visa Waiver Program (VWP) and whether such travel poses any law enforcement or security risk. Upon completion of an ESTA application, a traveller is notified of his or her eligibility to travel to the United States under the VWP.

Please refer to the ESTA website to confirm your visa requirements as they are subject to change.

Our travel insurance plans include emergency medical and repatriation cover if you get sick with Coronavirus while travelling (benefit limits apply and vary between plans). It’s always a good idea to wear a face mask when visiting any of Hawaii’s popular hotspots but if you do get sick, contact the 24/7 Emergency Assistance Team so they can help direct you to local medical facilities if needed and help you understand your options.

Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions. 

What's not covered?

Travel insurance is not designed to cover everything. Some things we don’t cover include:

• Unattended baggage or personal items, including any items left in a locked car overnight.
• Any existing medical conditions which are not listed as an automatically covered pre-existing medical condition as per your Policy Document. Check your Policy Document carefully.
• If you do not use a professional, qualified and licensed guide and operator for activities where required.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• The policy excess per person per insured event where applicable (check the Summary of Benefits in your Policy Document).

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.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief 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.

There’s so much more to Hawaii than its world-renowned surfing and tropical beaches, including dramatic scenery and untouched rainforests. Take in the views from a helicopter or try scouting for humpback whales in an outrigger canoe, but no matter what you have planned, it might be worth considering travel insurance.

• What am I covered for?
• Why should I consider travel insurance when visiting Hawaii
• What to look out for when travelling around Hawaii
• Do I need any documents when travelling to Hawaii
• What's not covered?

What am I covered for?

The USA’s 50^th state is a safe and friendly place but the unexpected can still happen. Travel insurance can help if your bags are lost or stolen, if your transport is delayed or if you suffer an injury that lands you in hospital.

World Nomads offers coverage (up to the policy limits) for:

• Emergency overseas medical: the surfing in Hawaii is impressive but not if it ends in an accident. Emergency medical coverage can help when you need urgent medical treatment. Get to a doctor for treatment and medication and you can submit a claim to recover the costs (up to your benefit limit).
• Evacuation: the mountain hikes on Oahu might take you far away from medical facilities. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us.
• Activities cover: we cover more than 150 sports and adventure activities, from ocean kayaking to mountain biking the forest trails on Maui. If your favourite sport isn’t on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. An upgrade for certain activities and sports may be required.
• Trip cancellation: has a sick or injured traveling buddy put a stop to your tropical adventure? Depending on your plan, you may be able to recover your travel expenses.

If you’ve already arrived in Hawaii and you forgot to buy travel insurance before leaving Australia, don’t panic. You can visit the World Nomads website at any time of the day or night and purchase a policy.

Why should I consider travel insurance when visiting Hawaii?

We know how much of a pain baggage that’s been delayed, lost or stolen can be while on a holiday. If you’ve arrived in Honolulu but your bags haven’t or if they’ve been damaged or stolen on public transport, World Nomads baggage insurance can offer you cover for:

• Bags stolen or damaged: as soon as you’ve realised your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). You’ll need their Property Irregularity Report or similar to submit with your claim as well as a police report if stolen. You may be able to get compensation from the transport carrier if your bags were lost in transit and you’ll need to show you’ve attempted this if you decide to put in a claim. Where there is no compensation by the carrier, there is cover for the value of your belongings after allowing for wear, tear and depreciation.

• Bags delayed: if your checked-in baggage is delayed for more than 12 hours, there is cover to replace those essential items and toiletries while you wait for your bags to arrive.

What to look out for when travelling around Hawaii?

If you want to visit historic Pearl Harbour on Oahu and also tackle the Volcanoes National Park on Hawaii Island, you’ll have flights and transport to navigate between islands.

While mostly idyllic, sometimes Hawaii experiences severe weather, flash flooding and volcanic activity. If adverse weather affects your connecting transport, or a natural disaster occurs and you cannot use your booked accommodation, you may be covered for the related expenses to find other transport or accommodation.

Hawaii offers plenty of ocean-based activities such as windsurfing, scuba diving or kayaking. But you don’t want to be left out of pocket if you have an accident and need medical help or even worse, if you have to be repatriated back home to Australia.

For injuries where treatment costs are not expected to exceed AUD$2,000, you can submit your receipts for reimbursement. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, you must call our 24/7 Emergency Assistance Team first to confirm cover and they will liaise with the hospital on your behalf to arrange payments.

There are many outdoor activities, sports, and experiences that are automatically covered and available on the Standard Plan. But, if you’re feeling extra adventurous, you can upgrade your level of cover for adventure sports and activities.

Do I need any documents when travelling to Hawaii?

You may need to apply for the Electronic System for Travel Authorization (ESTA) travel authorization system when travelling to Hawaii. The ESTA is an automated system that assists in determining eligibility to travel to the United States under the Visa Waiver Program (VWP) and whether such travel poses any law enforcement or security risk. Upon completion of an ESTA application, a traveller is notified of his or her eligibility to travel to the United States under the VWP.

Please refer to the ESTA website to confirm your visa requirements as they are subject to change.

Our travel insurance plans include emergency medical and repatriation cover if you get sick with Coronavirus while travelling (benefit limits apply and vary between plans). It’s always a good idea to wear a face mask when visiting any of Hawaii’s popular hotspots but if you do get sick, contact the 24/7 Emergency Assistance Team so they can help direct you to local medical facilities if needed and help you understand your options.

Our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has all of the details, including terms and conditions, benefit limits and exclusions. 

What's not covered?

Travel insurance is not designed to cover everything. Some things we don’t cover include:

• Unattended baggage or personal items, including any items left in a locked car overnight.
• Any existing medical conditions which are not listed as an automatically covered pre-existing medical condition as per your PDS. Check your PDS carefully.
• If you do not use a professional, qualified and licensed guide and operator for activities where required.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• The policy excess per person per insured event where applicable (check the Summary of Benefits in your PDS).

Travel insurance doesn't cover everything. All the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Please carefully read your PDS for a full description of coverage. If you have any questions, please get in touch.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief 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.

Aloha! It’s time to put the Irish weather in the rear-view mirror and get ready for a sunny adventure in Hawaii. Whether you’re planning to hike the rugged Kalalau Trail on Kauai, or a more sedate saunter to the Blue Room (also known as Waikapalae), Hawaii will restore that Irish winter pallor to a healthy glow in no time.

• What’s Covered?
• Why do I need travel insurance when visiting Hawaii?
• What to look out for when travelling around Hawaii
• What’s not covered?

What’s Covered?

Of course, whenever we plan a holiday, we hope everything goes smoothly, but that isn’t always the case. The right insurance can come in handy when a hiccup, or something more serious, interrupts your holiday.

World Nomads has two levels of cover – Standard and Explorer – they offer different benefits, limits, and sub-limits, so it’s best to compare them. For Irish travellers with their sights set on Hawaii, our policies include cover for:

• Emergency overseas medical and dental: One of the main reasons travellers buy insurance is for medical cover. Travelling to a country such as the US, where there is no reciprocal healthcare agreement in place, health costs can quickly become exorbitant.
• Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Assistance Team first.
• Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in Hawaii. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy.

All our Standard and Explorer plans will offer cover for emergency overseas dental and medical assistance, medically necessary evacuation and repatriation if you get sick or die from COVID-19 while travelling overseas. The difference will often be the excess or the maximum payable limit.

World Nomads travel medical insurance can cover expenses such as:

• Hospitalisation
• Out-patient treatment (no hospital admission)
• Prescribed medicines
• Transport to get you home for ongoing treatment if it’s decided that it’s medically necessary.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits and exclusions

Here are some of the highlights of our coverage, depending on the plan you’ve selected:

• Activities: World Nomads has cover for more than 150 activities, sports and experiences. For those considered higher risk you may be asked to upgrade your cover or pay an additional premium. When participating in an activity, always act sensibly, use safety equipment, and undergo the required training.
• Lost or delayed bags: You saw your bags get tagged and loaded onto the conveyor at Dublin, but when you landed in Hawaii you found yourself watching an empty luggage carousel. Travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep copies. If your bags are delayed longer than 12 hours you may be able to claim for basic necessities, such as a toothbrush, clean underwear, to tide you over until your bags can begin their holiday with you.

Why do I need travel insurance when visiting Hawaii?

While stunning scenery abounds, travel to any country does bring a level of risk and Hawaii is no different. The Hawaiian Islands can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.

While making your dive plan, it’s important to also think about your insurance, in case something goes wrong (which can happen, even to the most experienced divers). When getting the right scuba diving level of insurance, you’ll need to know the depth you’re diving, your level of dive qualifications and you may be required to dive only under constant supervision.

If you’re planning on some tropical scuba diving, just know that solo diving, cave diving or any dive below 30 metres (or 50 metres if the appropriate premium has been pad) is not covered.

Always check your Policy Wording carefully to make sure all your chosen activities are covered. You may need to upgrade your level of cover for a specific activity when you purchase.

What to look out for when travelling around Hawaii

One of the reasons Hawaii is so exciting is that it’s so different to home. No persistent cloud cover or gently rolling hills. It can be steamy and hot, with rugged, sometimes explosive, terrain. This can affect the type of cover you choose.

Natural catastrophes, such as volcanoes, tropical thunderstorms, and even cyclones and tsunamis, are known to happen in Hawaii. If you find that you cannot use your booked accommodation because of a natural catastrophe, the Explorer Plan may cover you for reasonable additional accommodation and transport costs. The Standard Plan does not offer coverage for natural catastrophes.

Kayaking on the Wailua River, Hawaii’s only inland river, is a relaxing way to spend a few hours as you paddle upstream, before hiking to a stunning secluded waterfall. However, if your kayak capsizes (the most common kayaking accident) and you hurt yourself as you get flipped into the water, travel insurance may be helpful in getting medical costs covered. Kayaking is a Level 1 activity and is covered in both the Standard and Explorer policies, but make sure you read the safety information to ensure you comply.

What’s not covered?

When taking out insurance, understanding what’s not covered is just as important as what is covered. Every policy is different, so make sure you read the wording carefully.

• If you are under the influence of drugs or alcohol you won’t be covered for any accidents.
• Whenever participating in any kind of sports, if you don’t follow all safety measures, such as wearing a helmet or wearing full safety harness where required, you may not be covered.
• Loss or damage to luggage due to age, wear and tear, loss of value. Damage to sporting equipment caused while in use.
• Pre-existing medical conditions as explained in the Policy Wording.
• Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government Do Not Travel or Avoid Non-essential Travel warning.
• Change of mind, disinclination, or reluctance to travel.

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

If you’re planning to say farewell to gloomy skies and travel to Hawaii, be prepared for one of the world’s most incredible adventure destinations. Whether you plan to hike the rugged Kalalau Trail on Kauai or snorkel the Blue Room (also known as Waikapalae), Hawaii will restore that sun-deprived British complexion to a healthy tan in no time.

• What’s Covered?
• Cover for more than 150 adventure and sports activities on both World Nomads plans
• What to look out for when travelling around Hawaii
• What’s not covered?

What’s Covered?

Whenever you plan a holiday, you hope everything goes smoothly, but that isn’t always the case. The right travel insurance can come in handy when a hiccup, or something more serious, interrupts your holiday. If you’re thinking of buying travel insurance to cover yourself and your loved ones, you should make sure you read the Policy Wording carefully to understand what’s included.

World Nomads offers two plans – our Standard or our Explorer policy – and the benefits differ so read the detail carefully before deciding. For British travellers with their sights set on Hawaii, our policies include cover for:

• Emergency overseas medical and dental: One of the main reasons travellers buy insurance is for medical cover. Travelling to a country such as the US, where health costs can quickly become exorbitant, can be a compelling reason to get insurance.
• Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Assistance Team first.
• Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in Hawaii. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy.

All our Standard and Explorer plans will offer cover for emergency overseas dental and medical assistance, emergency overseas medical assistance, medically necessary evacuation, and repatriation if you get sick or die from COVID-19 while travelling overseas. The difference may be the excess or the maximum payable limit.

World Nomads travel medical insurance can cover expenses such as:

• Hospitalisation
• Out-patient treatment (no hospital admission)
• Prescribed medicines
• Transport to get you home for ongoing treatment if it’s medically necessary.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits and exclusions.

Here are some of the highlights of our coverage, depending on the plan you’ve selected:

• Activities: World Nomads has cover for more than 150 activities. For those considered higher risk you may be asked to upgrade your cover or pay an additional premium. When participating in an activity, always act sensibly, use safety equipment, and undergo the required training.
• Lost or delayed baggage: You saw your bags get tagged and loaded onto the conveyor at Heathrow, but when you landed in Hawaii you found yourself watching an empty luggage carousel. World Nomads travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep all receipts and copies.

Cover for more than 150 adventure and sports activities on both World Nomads plans

While there are many activities available on the Standard Plan, those feeling adventurous can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.

Hawaii can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.

For example, the crystal-clear waters of Lana’i, where some of the world’s best scuba diving can be found, are a must-see for scuba fans. When thinking about your dive plan, it’s important that you are getting the right level of activity cover, so you’ll need to know the depth you’re diving, and the qualification you have achieved. You may be required to dive only under constant supervision, so talk to us if in doubt.

What to look out for when travelling around Hawaii

One of the reasons that Hawaii is so exciting is its unique landscape and changing climate. It can be hot with rugged, sometimes explosive, terrain. Volcanoes, tropical thunderstorms, and even cyclones and tsunamis are known to happen in Hawaii. This can affect the type of cover you choose.

Natural catastrophes can mean your booked accommodation is no longer suitable or you need to move to safety. If this happens to you our Explorer Plan may cover some costs for alternative accommodation.

Water sports are a major drawcard in Hawaii. Kayaking out into the bay to get a different perspective of the Napali Coast with its jagged and jutting natural formations is a great adventure. But one of the most common kayaking accidents is capsizing, with many kayakers hitting their head. It might be a good idea to consider either Standard or Explorer cover to help with expenses related to the accident, such as transport to a medical facility or other medical costs such as medical evacuation if it’s a serious accident.

What’s not covered?

When taking out insurance, understanding what’s not covered is just as important as what is covered. Some things we won’t not cover include:

• If you participate in adventure sports but are under the influence of drugs or alcohol.
• Taking unnecessary risks will also result in no coverage for any accidents that may happen.
• You must also follow all safety requirements, such as wearing a helmet or wearing full safety harness. When driving a motorised vehicle, you must be appropriately qualified with a UK driver’s licence. If you’re not, any accidents while operating the motorised vehicle won’t be covered.
• Pre-existing medical conditions as explained in your Policy Wording.
• Any expenses which World Nomads or the Emergency Assistance Team determine are not medically necessary.
• Change of mind, disinclination, or reluctance to travel.

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