Travel Insurance for South America
From the rainforest to the mountains, learn how travel insurance for South America benefits American travelers.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- Do I need travel insurance for South America?
- Travel insurance for activities in South America
- Travel insurance for medical emergencies in South America
- Travel insurance for lost bags in South America
- Travel insurance for stolen items in South America
- Travel insurance for canceled, interrupted, or delayed trips to South America
- Tips for Americans traveling to South America
Whether you want to stand in awe of the glaciers of Patagonia, adventure into the depths of the Amazon Rainforest, or salsa all night in Cali, South America is a continent of so many thrills. City, culture, and nature travelers alike from the US can relish the offerings of this mesmerizing continent.
While a trip to South America is an amazing experience, there are some things to be aware of when you’re visiting from the US. 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 explore travel insurance* plans for South America.
Do I need travel insurance for South America?
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 things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you twist your ankle, fall, and get hurt while doing the El Choro trek in Bolivia, you may then wish that you had travel insurance for South America.
World Nomads has four plans to choose 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 South America
Famed for adventures like hiking the Inca Trail to Machu Picchu and sandboarding in Atacama Desert, South America offers many thrills for the intrepid traveler. World Nomads covers more than 250 activities for Americans traveling to South America and includes things like rafting the Rio Futaleufu in Chile, kayaking in the Amazon, surfing in Mancora, Peru, and rock climbing in Patagonia.
When you get a quote for your travel insurance for South America, it’s advantageous to have a general itinerary in mind. Different plans cover different activities. An advance plan will help you choose the best insurance for your trip—and make sure even your most daring adventure is covered.
For example, scuba diving with sea lions in the Galapagos Islands and a multi-day trek in the Peruvian Andes will be covered under all insurance plans, including the Standard Plan. However, if climbing Mount Aconcagua-- South America’s highest mountain reaching 22,837 feet— is on your list, you’ll need to invest in the Epic Plan.
Travel insurance for medical emergencies in South America
Before you take off on your South American adventure, we recommend that you make an appointment with our Pre-Departure Telehealth service partner. This non-insurance service offers online consultations 24/7 and can help you obtain any necessary vaccinations or medications, such as medication to help with altitude sickness and traveler’s diarrhea.
Many popular destinations are at high altitudes including the Salar de Uyuni salt flats in Bolivia and Lake Titicaca. It’s no fun to be experiencing altitude sickness while you’re hiking in the Andes or exploring the markets of Cusco. Take some time to get acclimated to the new heights and stay hydrated—this means drinking plenty of water and avoiding alcohol, as tempting as it might be to have that second Pisco Sour.
Accidents can happen to anyone. Maybe you’re hiking across Perito Moreno Glacier in Patagonia when you slip, fall, and injure yourself. Your travel insurance for South America can help you out.
If you have a medical emergency when traveling to South America, 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 local medical team if there are language barriers.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for South America may cover the costs to get you there.
Travel insurance for lost bags in South America
What happens if you land in Cartagena, Colombia and your bag never arrives? If you were planning on doing the Ciudad Perdida Teyuna – the Lost City Hike--, you probably packed your hiking boots. Your insurance for South America may help you be reimbursed for your trekking gear. The other belongings in your lost checked bag may be covered as well (up to plan limits, conditions and exclusions apply).
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 may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Travel insurance for stolen items in South America
Theft is something to watch out for when you travel to South America- especially in crowded touristy areas or busy cities like Sao Paolo or Bogota. 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.
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 for those stolen goods.
It’s important that you do your part to keep your belongings safe as well. If your purse gets stolen while having a few too many drinks during a wild night out in Buenos Aires, your World Nomads travel insurance won’t cover your loss.
Travel insurance for canceled, interrupted, or delayed trips to South America
Even if you have the perfect getaway planned, unexpected situations happen that can derail your plans.
What happens if you get sick a few days before leaving for South America? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for South America that includes cancelation coverage may reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.
If you’re already on your trip, and something happens to delay or interrupt your vacation, World Nomads insurance may be able to compensate you for covered reasons.
The Explorer and Epic Plans also offers coverage for various travel inconveniences you may encounter, if you’ve purchased your plan within the time sensitive period. Say you’re on a road trip in Argentina and your rental car breaks down, causing you to be late to your intended destination by 12 or more hours. Your World Nomads insurance plan for South America may compensate you for this headache but remember to document it, as proof of the rental car breakdown will be required.
Tips for Americans traveling to South America
Before you head south for your grand adventure, we encourage you to check out the US government’s travel warnings for each country you plan to visit. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for South America, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your phone so you don’t have to search for that if an emergency happens.
There are so many great tours that American visitors can book in South America. When you’re researching options, try to find an eco-friendly tour operator. With the vast amount of untouched natural land and waterways in South America, it’s up to us nomads to do our part to protect it for years to come.
Before you take off, brush up on a few key Spanish phrases—and Portuguese if you’re heading to Brazil! You may also want to read up on some cultural do’s and don’ts, like insider etiquette tips for Argentina and check out our regional guides like this first-timer’s guide to Salvador, Brazil.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.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 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 when visiting France
What you should consider when buying travel insurance for a trip to France.
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Steeped in cultural icons, surrounded by some of the world’s best mountains and coastlines, and with more delicious cheese and wine than you could ever want, it’s understandable why France is high on many traveler’s itineraries.
- What’s covered
- Should I consider travel insurance for a trip to France?
- What to look out for when traveling around France
- What’s not covered
- Tips for traveling in France
What’s Covered
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- 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.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation 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.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water 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: 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, terms and conditions, and exclusions.
Please note that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Should I consider travel insurance for a trip to France?
France is Europe’s 3rd largest country, which means there is a lot to see and do. In most cases, traveling goes without a hitch, but considering the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Families
Traveling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.
Multi-Destination Trips
If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
If you’re traveling to multiple European countries, World Nomads can help with:
- Translation and interpreting services in case of an emergency
- Physician referrals
- Pre-trip information
Summer Adventures
You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the mountains of Chamonix, road trips in Provence, kayaking & rafting and even sailing the Cote D’Azur.
We offer two plans depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and has lower coverage limits.
- The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.
Winter Travel
From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between snowboard sessions in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports activities, medical emergencies and even extended stays if you are enjoying your winter escape to France too much.
What to look out for when traveling around France
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. 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 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.
- Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. Available on our Explorer plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
- Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. 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:
- Pre-existing medical conditions – see the Policy Wording 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 U.S. Department of State (see travel.state.gov).
- Unattended 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.
- Participation in a sport or activity where you fail to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
Note: be sure to read the Policy Wording, terms, conditions 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.
Tips for traveling in France
- Always check the Visa requirements – depending on your Country of Residence you may require a Visa to visit France or any of the other Schengen countries.
- Pack light – especialy if you’ll be traveling around France using public transport.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre as tickets can sell out and some attractions require pre-booking.
This is not a full list of what's covered and what's not; please check your Policy Wording for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 when visiting Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks
- As featured in:
As featured in:
Thailand should be on every global travelers’ radar as it offers a mix of white sand beaches, ornate temples, and lush forests. With so much to explore, you may want to consider the benefits of travel insurance for you and your travel companions.
With World Nomads, you can buy travel insurance as soon as your trip is locked in and you're ready to go, or while you're on the road traveling around Thailand.
What’s Covered
World Nomads has two plans which cover an array of activities ranging from mountain biking to snorkelling, hiking, kayaking, surfing, scuba diving and more. Depending on your Country of Residence and the plan you choose, World Nomads plans offer cover (up to the benefit limits) for:
- Emergency medical: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while in Chiang Mai.
- Evacuation: approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Assistance team.
- Trip cancellation: has a sick or injured traveling companion put a stop to your Thailand trip? Your plan may be able to recover the unused, non-refundable travel expenses.
- Gear protection: had your camera stolen while trekking in Thailand? Our gear coverage can help with replacing belongings swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
- Lost, stolen, or damaged baggage cover: we offer cover for baggage and items which you take with you or buy during your trip if they are stolen, damaged or destroyed, or if lost or damaged by a carrier. You must report all theft or loss to the police as well as to the common carrier, service provider or other local authority as soon as possible.
- Coronavirus cover: we offer cover for some Coronavirus related events. To find out more click here.
Traveler tip 1: if you’ve suffered a theft, get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report. You should also have copies of the original receipts for your valuables and any luggage tickets.
Why should I consider insurance for Thailand?
World Nomads has two travel insurance plans to choose from, Standard vs Explorer. Both plans can help if you suddenly up in hospital with a bad case of food poisoning, or if you’ve had bags or valuables stolen. A worst-case scenario is if you are badly injured and need to be repatriated back to your Country of Residence as this can be very costly.
Traveler tip 2: To travel to Thailand, you’ll need to seek permission using the Royal Thai Government’s online platform – Thailand Pass and be approved before entering. Requirements for a Thailand Pass include a vaccination certificate, a negative COVID test from three days before departure and travel insurance with a minimum coverage of US$50,213 (AUD$70,000). For the latest Thailand travel alerts and restrictions click here.
What to look out for when traveling around Thailand
Beware theft and pickpockets
While Thailand is amongst the safest places to travel, there is always the chance that you could be the victim of a theft. Make sure you keep a copy of your receipts as you’ll need proof of ownership for any claims should your items get stolen. All World Nomads travel insurance plans will have some baggage coverage if your bags and valuables are stolen or damaged. However, with any insurance plan, benefit limits, conditions and exclusions may apply.
Keep an eye on your gear 24/7
It’s very important that you NEVER leave your valuables out of sight. You can find out more about our travel cover for tech gear and other high value items here. Make copies of all key documents such as, passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets, and keep them separate from the originals so you’ll have proof of purchase if the originals go missing. Exercise caution in crowded areas and on public transport; padlocking your bags to the luggage rack if you’re on an overnight train or bus is always a good idea.
Surviving Thailand’s food markets
You're going to find a variety of delicious food while traveling in Thailand, but food preparation standards can vary. Gastro and its unpleasant side effects are one of the more common medical complaints our travelers have experienced while in Thailand.
Our 24/7 Emergency Assistance team can help you find a doctor, particularly useful in Thailand’s remote areas, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation. Hospitals in Thailand (especially around Bangkok or Phuket) are well-equipped to treat you even if they may seem less modern than facilities you’d find at home.
Here are some simple actions that can help in case of gastro:
- Always wash your hands before and after eating or use a hand sanitizer.
- Never eat anything that's been sitting around, even for a short while.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding Motorbikes and Scooters
It’s easy to rent a motorcycle, so it’s not surprising that we see everything from exhaust pipe burns to extreme injuries caused by crashes, which can sometimes be fatal.
If you choose to ride, be sure to select a travel insurance plan that covers motorbike and scooter use.
Depending on your Country of Residence and the plan you’ve selected, we may offer coverage for global travelers hurt in motorcycle accidents for:
- Emergency medical expenses for treatment at the hospital or by a doctor at the local medical centre.
- Evacuation to more suitable medical facility if it’s urgent, medically necessary and if you’re fit to travel.
- Repatriation if you’re seriously ill or injured and unable to continue your trip.
For your coverage to take effect, certain conditions apply:
- You must have a valid driver’s license from your country of residence and as required in the relevant country where you're traveling.
- You need to comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive drunk).
Traveler tip 3: if you’re intending to rent a car or motorbike you must check the licensing and local laws for the country you’re going to. You must also be adequately insured elsewhere, as you are not covered under this insurance for third party liability in respect of any mechanical or motorized vehicle.
If you need medical treatment, evacuation, or repatriation, you or a travel companion MUST contact our 24-hour Emergency Assistance team as soon as possible. Limits and exclusions to coverage will apply so read your policy carefully for full details.
For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.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.
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 when visiting Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks
- As featured in:
As featured in:
With its beautiful beaches, vibrant cities, and rich cultural heritage, it’s easy to see why New Zealanders want to visit Thailand. However, unexpected issues can arise during any trip.
Here’s why you should consider travel insurance for your Thailand adventure.
- What’s covered in Thailand
- Why should I consider travel insurance for Thailand?
- What to look out for when travelling around Thailand
- What’s not covered
- FAQs for travel to Thailand
What’s covered in Thailand
Our policies can offer cover (up to policy limits) for benefits including:
- Emergency medical treatment
- Medical evacuation and repatriation
- More than 150 activities, sports, and experiences
- Trip cancellation and delay
- Baggage and personal belongings
- Cover for families
- Cover for extended stays and if you’re working
For over 20 years, World Nomads has helped adventurous travellers like you with travel insurance tailored for your journey. With our policies, you can enjoy emergency medical treatment, medical evacuation, trip cancellation benefits, baggage protection, cover for over 150 sports and activities, and many more benefits.
World Nomads offers two plans – Standard and Explorer. Each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.
Why should I consider travel insurance for Thailand?
With affordable accommodation, delicious food and adventures from scuba diving in Phuket to hiking Khao Luang - Thailand is a traveller’s dream. Our policies may cover you if your passport is stolen whilst browsing the Pattaya floating market or if your trip is cancelled due to extreme weather.
Our policies also offer cover for families looking for a relaxing break and digital nomads remote working in Chiang Mai.
What to look out for when travelling around Thailand
Beware of theft and pickpockets
While Thailand is a relatively safe place to travel, pickpockets are active in tourist areas. World Nomads travel insurance plans have some coverage if your bags and valuables are stolen or damaged.
Traveller tip 1: Make copies of all key documents such as passport, ID, travel insurance, receipts, vouchers and transportation tickets so you’ll have proof of purchase for any claims.
Keep an eye on your gear 24/7
It’s very important that you NEVER let your valuables out of sight. Exercise caution in crowded areas and on public transport.
Traveller tip 2: if you’re a victim of theft, get a Property Irregularity Report or other incident report so you can submit it with your claim, as well as a police report.
Surviving traveller's diarrhea
If you eat something that doesn’t agree with you and need medical assistance our 24/7 Emergency Assistance Team is here to help. The multi-lingual team can help you find a doctor or a, particularly useful in Thailand’s remote area, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation.
Stay healthy and avoid gastro with these tips:
- Always wash your hands or use hand sanitizer.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding motorbikes and scooters
Our policies may cover you (up to policy limits) if you ride a motorbike or scooter in Thailand for:
- Emergency medical expenses
- Evacuation to suitable medical facility if required
- Repatriation if you’re seriously ill or injured
To be covered for motorbike, scooter or moped use you must:
- select the activity when you purchase your policy. Activities cannot be added after policy purchase.
- have a valid driver’s license for the same class of vehicle in New Zealand, and as required in Thailand.
- comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive under the influence of alcohol or drugs).
What do I do if I’m sick or injured and need assistance?
If you need emergency medical help, contact the 24-hour Emergency Assistance Team as soon as possible. They will contact suitable assistance and arrange medical care.
If you have general questions about your policy, you can contact us.
What’s not covered
There are some things we can’t cover, including, but not limited to:
- Participation in any activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
- Existing medical conditions
- 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)
- Unsupervised baggage or personal items
- Being intoxicated by alcohol or drugs or acting illegally.
Always check the terms, conditions limits and exclusions of your policy. If you’re not sure about something or have any questions, contact us.
Are you looking for more travel inspiration for Thailand?
World Nomads has various articles that cover a range of fun topics on Bali, such as:
- Planning a Trip to Thailand: What to Know Before You Go
- Bangkok, Thailand: Insider Tips for Planning Your Trip
- 5 Ways to Get Off the Beaten Path in Thailand
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.
FAQs for travel to Thailand
Here are our most frequently asked questions about Thailand and travel insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Do I need a Visa for Thailand?
From 2025 travellers from 93 visa-exempt countries including New Zealand will have to apply for a mandatory electronic travel authorisation (ETA) permit. A pilot phase is due to begin in December 2024, with a full roll-out by June 2025.
Travellers will need to apply for the free ETA online before arriving for tourist visits up to 60 days.
For more information visit the Thailand e-visa website.
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I’m in Thailand right now – can I buy, change or upgrade my policy?
You can purchase a World Nomads policy online while you’re travelling, although a 72-hour waiting period may apply. You can also make some changes to your existing policy online via your World Nomads membership, or by contacting us. You can also extend your policy if you want to keep travelling. Be aware there are some policy changes you can’t make.
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 for Thailand
Turquoise waters, vibrant culture, lush jungles and Tuk Tuks.
- As featured in:
As featured in:
With white sandy beaches, beautiful temples, and island hideaways, Thailand is a top destination for Aussies looking to unwind. Although Thailand is a friendly country the unexpected can happen, so consider taking World Nomads travel insurance with you.
- What’s covered in Thailand
- Why should I consider travel insurance for Thailand?
- What to look out for when travelling around Thailand
- What’s not covered
- FAQs for travel to Thailand
What’s covered in Thailand
Our policies can offer cover (up to policy limits) for benefits including:
- Emergency medical treatment
- Medical evacuation and repatriation
- More than 150 activities, sports, and experiences
- Trip cancellation and delay
- Baggage and personal belongings
- Coronavirus-related events
- Cover for families
- Cover for extended stays and if you’re working
For over 20 years, World Nomads has helped adventurous travellers like you with travel insurance tailored for your journey. With our policies, you can enjoy emergency medical treatment, medical evacuation, trip cancellation benefits, baggage protection, cover for over 150 sports and activities, and many more benefits.
World Nomads offers two plans – Standard and Explorer. Each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.
Why should I consider travel insurance for Thailand?
With affordable accommodation, delicious food and adventures from scuba diving in Phuket to hiking Khao Luang - Thailand is a traveller’s dream. Our policies may cover you if your passport is stolen whilst browsing the Pattaya floating market or if your trip is cancelled due to extreme weather.
Our policies also offer cover for families looking for a relaxing break and digital nomads remote working in Chiang Mai.
What to look out for when travelling around Thailand
Beware of theft and pickpockets
While Thailand is a relatively safe place to travel, pickpockets are active in tourist areas. World Nomads travel insurance plans have some coverage if your bags and valuables are stolen or damaged.
Traveller tip 1: Make copies of all key documents such as passport, ID, travel insurance, receipts, vouchers and transportation tickets so you’ll have proof of purchase for any claims.
Keep an eye on your gear 24/7
It’s very important that you NEVER let your valuables out of sight. Exercise caution in crowded areas and on public transport.
Traveller tip 2: if you’re a victim of theft, get a Property Irregularity Report or other incident report so you can submit it with your claim, as well as a police report.
Surviving traveller's diarrhea
If you eat something that doesn’t agree with you and need medical assistance our 24/7 Emergency Assistance Team is here to help. The multi-lingual team can help you find a doctor or a, particularly useful in Thailand’s remote area, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation.
Stay healthy and avoid gastro with these tips:
- Always wash your hands or use hand sanitizer.
- Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
- If you lose more fluids than you can keep down, seek help and use rehydration sachets.
Riding Motorbikes and Scooters
Our policies may cover you (up to policy limits) if you ride a motorbike or scooter in Thailand for:
- Emergency medical expenses
- Evacuation to suitable medical facility if required
- Repatriation if you’re seriously ill or injured
To be covered for motorbike, scooter or moped use you must:
- select the activity when you purchase your policy. Activities cannot be added after policy purchase.
- have a valid driver’s license for the same class of vehicle in Australia, and as required in Thailand.
- comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive under the influence of alcohol or drugs).
What do I do if I’m sick or injured and need assistance?
If you need emergency medical help, contact our 24-hour Emergency Assistance Team as soon as possible. They will contact suitable assistance and arrange medical care.
If you have general questions about your policy, you can contact us.
What’s not covered
There are some things we can’t cover, including, but not limited to:
- Participation in any activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
- Existing medical conditions
- 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 www.smartraveller.gov.au)
- Unsupervised baggage or personal items
- Being intoxicated by alcohol or drugs or acting illegally.
Always check the terms, conditions limits and exclusions of your policy. If you’re not sure about something or have any questions, contact us.
Are you looking for more travel inspiration for Thailand?
World Nomads has various articles that cover a range of fun topics on Bali, such as:
- Planning a Trip to Thailand: What to Know Before You Go
- Bangkok, Thailand: Insider Tips for Planning Your Trip
- 5 Ways to Get Off the Beaten Path in Thailand
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.
FAQs for travel to Thailand
Here are our most frequently asked questions about Thailand and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Do I need a Visa for Thailand?
From 2025 travellers from 93 visa-exempt countries including Australia will have to apply for a mandatory electronic travel authorisation (ETA) permit. A pilot phase is due to begin in December 2024, with a full roll-out by June 2025.
Travellers will need to apply for the free ETA online before arriving for tourist visits up to 60 days.
For more information visit the Thailand e-visa website.
-
I’m in Thailand right now – can I buy, change or upgrade my policy?
You can purchase a World Nomads policy online while you’re travelling, although a 72-hour waiting period may apply. You can also make some changes to your existing policy online via your World Nomads membership, or by contacting us. You can also extend your policy if you want to keep travelling. Be aware there are some policy changes you can’t make.
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 team
