Essential travel insurance tips
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Sun, sandy beaches and azure blue waters to enjoy – the Caribbean is an island paradise just waiting to be experienced! Whether you’re going on an island cruise, visiting one of 22 UNESCO heritage sites or hitting up local markets for a bite of famous jerk chicken, consider our tips on traveling in the Caribbean to get the most out of your trip.
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around the many islands of the Caribbean. All our plans offer cover (up to the benefit limits) for:
Make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs.
You can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Hurricanes and tropical storms are among the biggest threats of your trip turning upside down. If your flight or cruise has been cancelled, or your hotel is unable to accept visitors, you may qualify for trip cancellation or interruption benefits, depending your Country of Residence.
Traveler tip: timing is key: You need to have bought your travel insurance plan before the storm was announced on TV or through major news sites and government sites. You also won’t be eligible for coverage if you cancel because of a few knocked-down trees, or the forecast is cloudy and gray.
Stay up to date with the latest travel alerts and warnings for the Caribbean here.
Street crime and petty theft, such as pickpocketing and mugging, are unfortunate realities in the Caribbean. Should that happen to you, get to safety first and go to the local authorities to report the incident (don’t forget to get a copy of the report, which you’ll need if you make a claim).
Our 24/7 Emergency Assistance team can provide 24/7 365 days assistance when you are in a medical crisis, such as helping to locate health care facilities, providing a medical transfer to a hospital or repatriation to your home country where necessary, and getting in touch with family members in case of an emergency.
If your personal belongings get swiped, you may be able to make a claim for replacement or reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply, so be sure to check your policy wording.
Traveler tip: if you forgot to buy travel insurance before you left home, you can purchase while you’re travelling (a waiting period may apply for some benefits).
The Caribbean feels like a non-stop adventure, from snorkelling in crystal-clear water and trekking amid cloud forests, to swimming under cascading waterfalls. The great news is that our travel insurance policies offer coverage for more than 150 activities, experiences and sports including:
Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.
Keep in mind that certain adventures may also have special conditions and exclusions which, if you don’t comply, could affect your coverage. These could be getting certification for your activity, or booking the excursion with a qualified, licensed operator and abiding by safety practices, whether or not or they’re a part of the local law.
Surfing accidents, sunburn and dehydration, food poisoning, or in the worst case scenario an act of violence. Major and minor occurrences can happen in the Caribbean, which is why our plans cover emergency medical expenses if you fall ill, get into an accident or get hurt on your trip. If you experience a medical emergency whilst on holiday in the Caribbean, be sure to contact our 24/7 Emergency Assistance team, who will need to approve your surgical procedures, medical treatment, or evacuation, otherwise your coverage may be reduced or impacted.
Traveler tip: be sure to get reports, documentation and receipts if you need medical care, as you will need these to support your claim.
Depending on your Country of Residence you may not need a Visa to travel in the Caribbean. Keep in mind that the Caribbean is made up of 13 countries, each of which have their own rules and regulations. Be sure to check the requirements before you arrive.
Keep your passport safe by locking it in a hotel or hostel safe and avoid carrying it around. It’s also wise to leave a copy with someone you trust back home, as well as a digitally secure copy of your passports and Visas.
If your passport is stolen, our policies may help cover some of the extra costs while you arrange an emergency replacement passport. Be sure to check the policy wording for coverage conditions.
Note: 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 optional extras or upgrades you add.
Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered for. Some of the events we don’t cover include:
Check out some of our other articles and information to help you plan your ideal Caribbean adventure including:
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions outlined in the policy wording. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, get in touch.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamLearn how travel insurance could cover your trip to Portugal.
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Portugal boasts endless opportunities to explore culture, bustling cities, beaches, wine regions, history, and culinary experiences. As you plan an itinerary that includes Portugal’s breathtaking architecture in cities like Lisbon, the wine scene of Porto, the scenic Azores Islands, and the coastal sophistication of Algarve, considering adding travel insurance to your list may be a good idea to protect your trip investment and your possessions.
Learn about World Nomads travel insurance coverage before you go.
It’s always a worry when you fly internationally that your bags might not arrive when you do. The same is true if your baggage, sporting gear or personal items are stolen while you’re on vacation. If while in the Algarve, your golf clubs are stolen during a leisurely lunch, your policy may cover this loss.
World Nomads may cover (up to the policy limits) the loss, theft or damage to your baggage or personal belongings depending on your specific situation. Here are more details:
Your policy may also protect your personal belongings while on vacation. While traveling, to reduce the risk of theft, keep your valuables close. It’s a good idea to store travel documents, cash and credit cards in a money belt or cross-body bag at all times. Although Portugal is a safe European country, petty theft is more likely to occur in busy tourist spots in Lisbon and Porto. Don’t put valuables in your back pockets. Also, when traveling, keep receipts for all purchases.
When traveling to Portugal, consider having travel insurance that can cover overseas emerency medical expenses, as your domestic health insurance is unlikely to be accepted abroad. If you become ill or injured while traveling in Portugal, without the right cover you need for emergency medical expenses, you’ll be responsible for paying any out-of-pocket costs for medical care, dental care, or in the worst-case, transport back to your home country.
You could twist your ankle on a cobblestone street during a walking tour or suffer a concussion while riding a bike in Southern Portugal, so having a policy with cover for overseas emergency medical expenses could be helpful for unexpected events that can happen.
Depending on your Country of Residence and the travel insurance plan you choose, you may have access to Coronavirus (COVID-19) coverage for certain events. To find out what cover applies to you, select your Country of Residence and read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, terms, conditions and exclusions.
Handling a medical emergency is unsettling. The 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.
Portugal is a melting pot of cultures, and you may not understand the local language. Just call the 24/7 assistance team to help with translation services in an emergency.
If you plan to surf on Portugal’s west coast in Nazare, or go zip-lining in Ribeira da Salga, World Nomads offers travel insurance coverage for 150+ activities and sports.
Read your policy carefully to ensure your chosen activities are listed and covered. Contact us if you need help or have any questions.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamLearn more about World Nomads travel insurance for your trip across South America.
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Stunning South America is where you can find some of the world’s oldest treasures, including the remnants of the ancient Incan empire in Peru, and the Aztec and Mayan empires from Mexico.
You might be taking a road trip from north to south from Laredo, Mexico to Buenos Aires, Argentina, a cool 7,244 mi (11.658 km), exploring the whole continent slowly, or enjoying a short break a short break in Argentina, Peru or Brazil. Wherever you visit, you’ll be with lasting memories of beautiful beaches, ancient cultures and vast landscapes.
While traveling through South America, it’s a smart move to consider travel insurance as the safety net that helps when things don’t go to plan, with a 24/7 Emergency Assistance Team available and travel insurance benefits.
Travel Insurance can offer cover for:
When traveling through South America, World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan.
Both plans offer cover for things such as lost baggage and emergency medical evacuation, however, the Explorer Plan offers higher benefit limits and cover for a wider range of activities. If you know you’re planning to tackle some adventure sports, check our list of activities to decide which travel insurance policy best suits your needs.
South America is great for travelers seeking adventure, but if you’re planning to go white-water rafting on the Mendoza River or glacier walking on the Perito Moreno Glacier, and an accident happens, travel insurance could help with reimbursement of medical expenses or the cost of evacuation should a physician advise it’s necessary.
Whenever you leave home to travel overseas there are risks – it’s important to remember travel insurance isn’t designed to cover everything so you should take the time to understand what your policy covers you for.
The obelisk on Ave 9 de Julio in Buenos Aires, Argentina. Photo credit: Getty Images / Andrew Peacock
Getting away from the ‘gringo trail’ (the tourist hotspots) and discovering a more authentic South America will make for holiday memories that stay with you long after you return State-side. Whether you visit Chile’s Marble Caves, explore Lamas Castle in Peru, or take in the stunning Hill of Seven Colors in Purmamarca, (locally called the Hill of Seven Skirts), South America has an array of experiences for the adventurous traveler.
However getting away from the bright lights can also be risky as armed robbery is a possibility in some South American countries. Always stick to well-lit areas at night and avoid traveling alone. But if the unthinkable happens, your life and your safety is paramount so don’t try to save your wallet if it means risking your life. Your things can be replaced, but you can’t.
To find out what cover applies to you, read our What’s Covered for Coronavirus article which has some of the details, including benefit limits, conditions and exclusions.
Travel insurance tip
If something is stolen, make sure you report it as soon as possible after you’ve discovered the theft and as you buy items keep receipts of your purchases as proof of purchase in case you need to make a claim in the future.
Understanding what’s not covered is just as important as knowing what your insurance does cover you for. Things that won’t be covered by travel insurance include:
If you’ve any questions, or are unsure if something is covered, please contact us for more information.
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.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamSurfing beaches, ancient spirituality and misty mountains
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Bali is renowned for its surf scene, spiritual vibe, and mouth-watering food, so it’s easy to see why it’s one of Indonesia’s most popular islands. Whether it's covering medical emergencies, lost luggage, or unexpected cancellations, travel insurance can help protect you when embarking on your Bali escapade.
With the right travel insurance coverage, you can immerse yourself fully in Bali's beauty, knowing you're prepared for any unexpected twists and turns along the way.
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 traveling.
Note: 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.
Bali is packed with tropical and cultural experiences, but there are some things you need to consider before immersing yourself in the Balinese culture.
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.
Depending on the policy you choose and your Country of Residence, World Nomads travel insurance may cover you (up to the policy limits) for the following:
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 traveler must have already been issued a traveler’s Certificate of Insurance from World Nomads to have cancelation coverage available to them.
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.
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 wording carefully.
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.
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.
Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:
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.
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.
World Nomads has various articles that cover a range of fun topics on Bali, such as:
Secure Your Bali Adventure Now - Get Travel Insurance!
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.
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.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamThe best of the worst. Real stories from our nomads around the world.
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I fell on my side and heard the sound of dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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