• Do I need travel insurance for Chile?
• Travel insurance for activities in Chile
• Travel insurance for medical emergencies in Chile
• Travel insurance for lost bags in Chile
• Travel insurance for stolen items in Chile
• Travel insurance for cancelled, interrupted, or delayed trips to Chile
• Tips for Travelling to Chile from Canada

Chile offers countless opportunities to see some of the world’s most iconic natural wonders. Many Canadians enjoy visiting El Tatio - a geothermal area featuring geysers, fumaroles and other geological structures. Cruise to El Brujo Glacier, explore the amazing national parks in Patagonia, kayak to see the Marble Caves in the Aysen region, or see the Moai statues at Easter Island.  

While a trip to Chile is an amazing experience, there are some things Canadians should be aware of. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels and we encourage you to check out our team’s tips on things to know before you visit Chile.   

Do I need travel insurance for Chile?   

International travel can bring all kinds of unexpected surprises - like the hidden petroglyphs that you can find in the Atacama Desert.   

Some surprises are not as great though. Nobody wants to think about cancelled trips, delayed baggage and medical emergencies, but these things can happen unexpectedly. If you fall and get hurt while hiking the Guatin Canyon in the Atacama Desert, you may wish you had travel insurance for Chile.   

There are different plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.  

Travel insurance for activities in Chile  

While you’ll have an out of this world time hiking through the desert, Chile offers so many more thrilling adventures. World Nomads covers more than 250 activities for Canadians travelling to Chile and includes things like rafting the Rio Futaleufu and rock climbing in Patagonia.   

When you get a quote for your travel insurance for Chile, you’ll need to list your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.  If you’re participating in an activity that isn’t listed in your policy wording, you can contact us to determine if you will be covered.       

Travel insurance for medical emergencies in Chile  

One of the coolest (or should we say hottest) things to see in Chile are the geysers. It’s fascinating to see the dramatic eruption of the steaming water shooting high into the air. As you can imagine though, it also comes with its own set of dangers. Although it doesn’t happen a lot, we’ve heard reports of travellers falling into geysers and being severely burned.   
Always watch your step when you’re near geysers. The thick fog from the fumaroles and glare from the sun can sometimes make it difficult to see where you’re stepping. Accidents can happen and if you do get injured your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses in Chile.  

If you have a medical emergency when travelling to Chile, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your Chilean medical team if there are language barriers.   

If your doctor determines that it’s best for you to go home to Canada to get medical care, the repatriation coverage that is included in your travel insurance for Chile may cover the costs to get you there.   

Travel insurance for lost bags in Chile  

Nobody ever plans to lose their bags, but it happens. If you’re planning to trek through the Andes Mountains, you may be bringing along your new pair of hiking boots. If you get to Santiago and then realize that the airline lost your bag, the baggage coverage included in your travel insurance for Chile may reimburse you for the cost to replace your hiking boots and other belongings. When you get a quote, you can check the wording in your international travel insurance policy to get the specific details on depreciation and policy limits.   

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.   

Travel insurance for stolen items in Chile  

Theft is something to watch out for when you travel to Chile - especially in crowded touristy areas like Santiago and Valparaiso. Be aware of your surroundings and avoid putting anything valuable in your back pockets. You may also want to carry handbags across your body, and wear backpacks on your front.   

You’ll also want to keep an eye on your bags at bus terminals, train stations, and airports. We’ve heard about organized scams where a visitor gets sprayed with something and then a “good Samaritan” points it out and offers to help. It’s really a ploy to divert your attention while someone else comes up and steals your belongings.  

If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim.    

Travel insurance for cancelled, interrupted, or delayed trips to Chile  

Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip.   

Chile is located on the Pacific Ring of Fire and earthquakes and volcanoes can happen anytime. The government has been known to restrict access to Conguillo National Park because of concerns about flare-ups of the Llaima volcano. If your trip is cancelled because a volcano erupts and the Canadian Government issues a travel advisory against travel to that region, your travel insurance for Chile could help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance. You’ll need to have purchased your plan before any travel advisory has been issued though (once it erupts, it’s no longer unexpected and travel insurance doesn’t cover “known” events”).  

Travel insurance could also help if you’re already on your trip and something happens. For example, you may need to go back to Canada early if an immediate family member has an unexpected medical emergency or dies.     

When you’re searching for the best travel insurance for Chile, check to make sure it has coverage for trip cancellation, trip delay, and trip interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.   

Tips for Travelling to Chile from Canada  

Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for Chile to review their up-to-date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist at that time.     

If you purchase travel insurance for Chile, it’s a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.     

Take extra camera batteries. The worst feeling is to get set up for the perfect shot of an Andean Condor, only to find out you have a dead battery. Trust us on this one - we’ve been the ones who’ve been left with nothing but memories, and no pictures to show to our friends back home. Prepare ahead of time, and if you are making the journey to see the penguins, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.     

There are so many great tours that Canadian visitors can book in Chile. When you’re researching options, try to find an eco-friendly tour operator. With the vast amount of untouched natural land and waterways in Chile, it’s up to us nomads to do our part to protect it for years to come.     

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.    

• Do I need travel insurance for Argentina
• Travel insurance for activities in Argentina
• Travel insurance for medical emergencies in Argentina
• Travel insurance for lost bags in Argentina
• Travel insurance for stolen items in Argentina
• Travel insurance for cancelled, interrupted, or delayed trips to Argentina
• Tips for Travelling to Argentina from Canada

It’s no wonder Argentina is a popular destination for Canadians. Whether you’re taking a road trip to see glaciers, experiencing the nightlife in Buenos Aires, rafting the Mendoza River or visiting the hot springs in Concordia, there are countless adventures for our World Nomads travellers.  

While a trip to Argentina is an amazing experience, there are some things to be aware of when you’re visiting from Canada. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels and we encourage you to check out our team’s tips on what to know before you go to Argentina.  

Do I need travel insurance for Argentina?     

International travel can bring all kinds of unexpected surprises. Some are great, like the new friendships made while sipping mate or discovering the flower shop in Retiro is actually a secret speakeasy.   

Some surprises are not so great. Nobody wants to think about things like cancelled trips, delayed baggage and medical emergencies, but these things can happen unexpectedly. If you fall and get hurt while enjoying some of the great hiking spots in Argentina you may wish that you had travel insurance for Argentina.   

There are different plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.   

Travel insurance for activities in Argentina  

From surfing at Mar del Plata to riding horses with the gauchos in Bariloche, World Nomads covers more than 250 activities for Canadians travelling to Argentina. You could even be covered for rock climbing in Piedra Parada and camping in Los Glaciares National Park.    

When you get a quote for your travel insurance for Argentina, you’ll need to list your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.  If you’re participating in an activity that isn’t listed in your policy wording, you can contact us to determine if you will be covered.       

Travel insurance for medical emergencies in Argentina   

With all of the fun to be had in Argentina, there are plenty of adventure activities that you’ll want to try. Our nomads all agree that one of our favorite activities is visiting Perito Moreno glacier in Patagonia.  

While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. If you lose your footing, slide, and fall into a crevasse, you could end up with injuries. Sure, you’ll have a jaw dropping story to tell at parties back home in Canada once you’re feeling better, but you’re also going to need to get emergency medical care as soon as that happens.   

If you have a medical emergency when travelling in Argentina, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. You’ll need to call and report your emergency as soon as it happens, or as soon as you are able. They can also help communicate with your Argentinian medical team if language is a barrier.   

If your doctor determines that it’s best for you to go home to Canada to get medical care, the repatriation coverage that is included in your travel insurance for Argentina may cover the costs to get you there.   

Travel insurance for lost bags in Argentina  

Nobody ever plans for lost bags, but it happens. If you’re planning to hike the Cerro de Siete Colores (the stratified Hill of Seven Colors), you may be bringing along your new pair of hiking boots. If you get to Jujuy and realize that the airline lost your bag, the baggage coverage included in your travel insurance may reimburse you for the cost to replace your hiking boots and other belongings. When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details on depreciation and policy limits.   

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.   

Travel insurance for stolen items in Argentina  

Theft is something to watch out for when you travel to Argentina - especially in crowded touristy areas like Buenos Aires. Be aware of your surroundings and avoid putting anything valuable in your back pockets.    

Smartphones and iPads are expensive in Argentina, so things like that are highly valued by thieves. Try not to use these in public, and definitely don’t leave them sitting around. Expensive jewelry can also be appealing to thieves, so you may want to leave the bling locked up in your hotel room safe.   

Another thing to be aware of in Argentina is motochorros (motorcycle robberies). This is where two people on a motorcycle grab your belongings from your hand as they are passing by you, and then speed off.   

Many Canadian visitors don’t have any problems at all when visiting Argentina, but it’s always important to be vigilant. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim.   

You’ll need to do your part to keep your belongings safe too. Argentina is famous for its wine and there’s opportunities to sample some of the delicious varieties that can be found there. However, if you’re in Cafayate, overindulge at your wine tasting, and forget your purse at the vineyard, you won’t be covered by your travel insurance for Argentina if it’s not there waiting on you the next day.      

Travel insurance for cancelled, interrupted, or delayed trips to Argentina  

Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip.   

Argentina is located in an active seismic zone, and there’s the possibility of natural disasters that can affect your travels. If you need to cancel your trip to Salta because an earthquake makes it impossible for you to get there and the Canadian Government has issued a travel advisory against travel to Argentina, your travel insurance for Argentina could help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance.  

Travel insurance could also help if you’re already on your trip and something happens. For example, you may need to go back to Canada early if an immediate family member has an unexpected medical emergency or dies.   

When you’re searching for the best travel insurance for Argentina, check to make sure it has coverage for trip cancellation, trip delay, and trip interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.   

Tips for Travelling to Argentina from Canada  

Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for Argentina  to review their up to date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist at that time.   

If you purchase travel insurance for Argentina, it’s a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.   

Take extra camera batteries. The worst feeling is to get set up for the perfect shot of the Magellanic penguins on Punta Tombo, only to find out you have a dead battery. Trust us on this one - we’ve been the ones who’ve been left with nothing but memories, and no pictures to show to our friends back home. Prepare ahead of time, and if you do decide to make the journey to see the penguins, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.    

Before you leave Canada, read up on the laws in Argentina. Enjoy the adventures, but make time for a little rest and relaxation too. In many areas, siestas are a part of the culture in Argentina. So do as the locals do, and don’t feel bad about squeezing in a little nap time between all of your awesome adventures and activities.   

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.  

Bali, with its stunning beaches, vibrant culture, and exciting activities, has become a popular destination for New Zealanders. While planning your next escape to this tropical paradise, one thing to consider is securing the right travel insurance. Whether you're there for adventure, relaxation, or a digital nomad experience, travel insurance can help you with cover against unforeseen events.

• What’s covered?
• Key features of World Nomads Travel Insurance for Bali
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online. And the best part? You can even purchase coverage after you’ve already left for your trip.

Key features of World Nomads Travel Insurance for Bali

World Nomads travel insurance may cover you (up to the policy limits) for the following:

• Emergency medical cover: Hospital or doctor visits can be costly if you fall sick or have an accident in Bali. World Nomads' plans offer cover medical emergencies and evacuation. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.
• Adventure activities cover: Planning to surf, dive, or hike in Bali? World Nomads offers coverage for more than 150 activities, including common Bali adventures. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.
• Trip cancellation or interruption: Whether it's a medical issue, family emergency, or unexpected changes in your plans, you’re could be covered for trip cancellations or delays.
• Lost or stolen baggage and valuables: Unfortunately, Bali is no stranger to pickpocketing. World Nomads offers coverage for stolen or lost luggage, passports, and valuables. If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Policy Document carefully.
• Natural disasters: Natural disasters, like severe weather, floods, landslides, volcanic eruptions, tsunamis, and earthquakes can regularly occur; there is an ongoing risk of terror attacks; and the standard of medical facilities is often lower than that of other countries.

What’s not covered?

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

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the New Zealand Government issuing a ‘Do Not Travel’ warning. For more information go to the safetravel website.
• Participation in a sport or activity not listed in the Policy Document or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your Policy Document).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

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.

Bali is renowned for its surf scene, spiritual vibe, and mouth-watering food, so it’s easy to see why Australians flock to Bali every year. Whether it's covering medical emergencies, lost luggage, or unexpected cancellations, travel insurance may help protect you when embarking on your Bali escape.

• What’s covered?
• Travel insurance essentials for your Bali holiday
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered by travel insurance?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while travelling.

Travel insurance essentials for your Bali holiday

World Nomads travel insurance may cover you (up to the policy limits) for the following:

Trip cancellation cover

If you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note that the traveller must have already been issued a traveller’s Certificate of Insurance from World Nomads to have cancelation coverage available to them.

Activities coverage

We cover more than 150 activities, sports and experiences including trekking, rafting or surfing, which are just some of the activities tourists seek out in Bali. But we don’t cover everything. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.

Lost, stolen or delayed baggage cover

If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Product Disclosure Statement (PDS) carefully.

Natural disasters and other unforeseen events

If your island time is thrown into chaos by a volcanic eruption, or you’re involved in a scooter accident, you can make a claim. If a volcano wreaks havoc with flight schedules, we understand that you may want to cancel your trip rather than vacation in an ash-affected area. If you're already in Bali, we may cover your exit. The use of scooters/mopeds comes with a caveat – you must have the appropriate licenses and add it as an activity when you buy your policy. Terms and conditions apply.

Overseas medical emergencies

If you come down with Bali Belly after drinking contaminated food or water or are unfortunate enough to injure yourself in the surf, your policy may cover you for medical expenses. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.

What’s not covered by travel insurance?

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

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the Australian Government issuing a ‘Do Not Travel’ warning. For more information go to the smartraveller website.
• Participation in a sport or activity not listed in the PDS or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your PDS).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for your trip to Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

This is not a full list of what's covered and not covered. There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

If you’re planning a holiday to Portugal to experience the historic city centres of Lisbon and Porto, pristine beaches like Praia da Rocha in Portimao, wine tours in the Douro Valley, majestic castles in The Alentejo region and culinary experiences throughout this impressive European country, it’s a smart move to buy a travel insurance policy from World Nomads to protect your trip investment. And don’t forget about your health and your baggage. World Nomads plans offer out-of-country emergency medical coverage and baggage insurance.

Your World Nomads policy may include coverage for:

• Trip cancellation and interruption
• Lost, delayed or stolen baggage
• Overseas emergency medical and benefits
• Access to our World Nomads experienced 24/7 Emergency Assistance Team
• Coverage for some activities and sports you plan pursue in while in Portugal

What should you look for in a travel insurance policy for a trip to Portugal?

An emergency situation affecting your travel plans could spell disaster for you and your pocketbook. What would happen if you or an immediate family member suddenly became sick, and you had to cancel your trip? What would you do if a pickpocket swipes your phone while you’re enjoying the sights and sounds of old town Sintra? Travel insurance is designed to cover losses resulting from these types of unforeseeable and emergency circumstances.

A travel insurance plan that includes trip cancellation and interruption coverage can help protect your travel investment and should also provide cover for your baggage and personal effects and emergency medical cover in case you become sick or injured while on your trip. Travel insurance does not cover everything so make sure you read your policy to ensure it meets your needs.

A World Nomads policy can help provide you with:

Trip cancellation and interruption coverage

It’s common to have to put down deposits on lodging, tours, excursions, and transportation because so many Canadian travellers visit Portugal. Travel insurance may protect your non-refundable and prepaid outlays should you need to cancel your trip because of a covered reason listed in your policy, like a sick parent.

Lost, stolen or delayed baggage coverage

World Nomads Standard and Explorer Plans offer cover for loss, theft or damage to baggage and personal belongings and sporting equipment. The policy limit will depend on the policy you choose to purchase. Upon arriving to Porto from Toronto to start your trip, if your luggage doesn’t arrive at the airport, it will be upsetting. However, our assistance services team can help you with emergency travel problems including luggage tracing. And your travel insurance policy may provide reimbursement for the replacement of necessary personal effects if your baggage is delayed by your airline or ground carrier for 12 hours or more while you are on your trip.

World Nomads travel insurance may also provide reimbursement towards the cost to replace lost or damaged baggage and personal belongings, including lost or damaged sporting equipment. Your personal belongings also may be covered if stolen while travelling in Portugal. For example, if you’re on a city tour in Lisbon, and your watch is swiped in a crowded shopping area, you may be reimbursed for this loss.

When you realize your baggage or belongings have been delayed, lost or stolen, get a report from your airline, tour operator or local police. You will need this report when you file a claim. Hold on to any related receipts. Keep in mind there could be a waiting period before your benefits kick in. Be sure to read your travel insurance policy as it will outline exclusions, per item limits and how depreciation may impact your reimbursement.

To be best protected, keep your personal belongings near you at all times. Store valuables like credit cards and travel documents in a money belt or cross-body bag, and don’t draw attention by wearing expensive jewellery. You have a duty of care to protect your belongings. For instance, if you leave your cell phone in a washroom while drinking in excess in Lisbon, your travel insurance probably won’t cover this type of loss.

Overseas emergency medical coverage

When in Portugal, having overseas medical insurance is a good idea in case you become sick or get injured. It’s important to understand that Canada and Portugal do not have reciprocal healthcare agreements. Out-of-country medical treatment can be expensive, so buying overseas emergency medical insurance for travel to Portugal is recommended. World Nomad’s travel insurance plans include emergency medical coverage for injury and sickness. Coverage may include such things as the cost of a visit to a local doctor, hospital expenses, ambulance transportation and emergency evacuation and repatriation if recommended by your treating physician. So if you cut your foot on a beach in Praia de Tavira, Algarve, the emergency medical coverage in your World Nomads travel insurance policy may cover your medical expenses.

For information on COVID-related coverage, read our Travel Insurance & Covid-19 article.

24/7 Emergency Assistance

Handling a medical emergency is unsettling, but with a World Nomads travel insurance policy, you’re not alone. Our 24/7 Emergency Assistance Team may help you to identify appropriate medical care, act as a liaison with medical providers, and assist with arrangements including upfront payment of medical care if deemed necessary. We can also assist with translation services.

Coverage for sports and recreational activities in Portugal

If you’re headed to Lagos to kayak, or you’re planning a guided bicycle tour in the Alentejo region, World Nomads offers travel insurance coverage for 150+ activities and sports. List your planned activities when you purchase your policy. You’ll have the option to upgrade your policy for more adventurous pursuits. Reach out to us if you need help with policy choices, we’re happy to assist.

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.