Travel Insurance for the Schengen Area for Australians
Get the travel insurance you need for your Schengen visa
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Planning a trip to Europe soon? You will need to be aware of changes coming into effect this year and also in 2026. Read on to find out more and how World Nomads travel insurance can help.
Will you need an EES visa?
From October 12, non-EU nationals including Aussies who enter a European zone of 29 countries, known as the Schengen Zone, will have to register as part of a new European Union digital border management system called Entry Exit System (EES).
Australian citizens can travel for short trips, without a visa, to the Schengen area for up to 90 days in any 180-day period. You'll need a visa if you're staying for over 90 days.
The EES is a separate system from the upcoming European Travel Information and Authorisation System (ETIAS), which will be a separate travel authorization system introduced in late 2026. Learn more about the ETIAS by checking out our Travel Wiser article.
Australian travellers can stay informed with Smartraveller for travel updates, alerts, and general travel information.
Get a travel insurance quote from World Nomads today.
What are the Schengen countries?
Here's the list of the 29 countries that are part of the Schengen Agreement:
- Austria
- Belgium
- Bulgaria
- Croatia
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Liechtenstein
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
Need to know more?
If you have questions or need help, you can 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 PDS 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 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 teamHorseback Riding Travel Insurance Coverage
US Residents can protect their adventures on horseback
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At a glance:
- All World Nomads plans cover horseback riding, with higher tier plans for rodeos or high-altitude camping.
- Coverage for injuries and medical transport if you're seriously hurt on or off a horse.
- Reimbursement for canceled horseback tours, delays, or interruptions due to covered events.
- Gear & baggage protection helps cover lost, stolen, or damaged riding gear and luggage.
- Why should I consider travel insurance for my horseback riding trip?
- Horseback riding travel insurance benefits
- Plan levels for horseback riding trips
- What's not covered
- Top safety tips we recommend for your horseback riding trip
- FAQs
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.
Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my horseback riding trip?
From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain.
Horseback riding travel insurance benefits and non-insurance services: What may be covered?
As equestrians ourselves, we’ve designed our plans to cover horseback riding while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a horseback riding accident -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off a horse -
Baggage & Gear Coverage
Damaged or stolen riding gear -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your horseback riding plans
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote for travel insurance and non-insurance services and compare the plans to see which level of coverage is right for you.
All plans also include several additional non-insurance services that may support you both before and during your trip. These include 24/7 emergency assistance, delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.
What level of travel insurance coverage do I need for my horseback riding trip?
World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go horseback riding on the beach, you’ll probably be doing other fun things like hiking or swimming. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans covers basic equestrian activities such as horseback riding tours and camping with your horse up to 19,685 feet/6,000 meters
- The Explorer plan covers more activities, including horseback riding in a rodeo. It also has higher limits of coverage and covers camping up to 21,325 feet/6,500 meters
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including camping up to 26,247 feet/8,000 meters. It also has the highest benefit limits of coverage.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when horseback riding?
- Horseback riding under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Horseback riding or travel within 100 miles of your home
- Injuries to your horse
- Riding horses in a competition or for salary/compensation
Top safety tips we recommend for your horseback riding trip
- Have the right gear: Wearing a helmet is a MUST, no matter how experienced you are.
- Wear proper clothing: Long pants and closed-toed footwear are essential.
- Be prepared: Check the weather, check your equipment, and check the credentials of your riding instructor or tour guide.
- Keep an eye on your gear: Don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
- Saddle up properly: Make sure your saddle is fitted properly. If the saddle is the wrong size, you could be more likely to slip out of it and fall.
- Know your own physical abilities: Horseback riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse. Make sure you are physically capable of riding.
- Don’t startle the horse: Injuries can happen when horses are spooked by things like sudden movements and loud noises.
FAQ
Here are our most frequently asked questions about cover for Horseback riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can horseback riding be covered under World Nomads Travel Insurance?
Yes, basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. If you plan to ride a horse in a rodeo though, you’ll need to have either the Explorer or Epic plan. You can also camp with your horse, but depending on the elevation, you may need one of the higher level plans.
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What types of incidents may be covered while horseback riding abroad?
If your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this could include unused, pre-paid, non-refundable horseback riding tours that you paid for in advance. If you fall off of your horse or you’re at the wrong end of a feisty hoof and you require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a horseback riding tour, you’ll need to buy your insurance at least the day before you need coverage.
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What kind of horseback riding activities can be covered by World Nomads Travel Insurance?
Basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. You can also camp with your horse, but depending on the elevation, you may need a higher level plan. The Standard and Annual plans cover camping up to 19,685 feet/6,000 meters, while the Explorer plan covers camping up to 21,325 feet/6,500 meters, and the Epic plan covers camping up to 26,247 feet/8,000 meters. If you plan to ride a horse in a rodeo, you’ll need to have purchased either the Explorer or Epic plan. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what may or may not be covered.
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What should I do if I get hurt while horseback riding?
If you're hurt while horseback riding, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval). Access to a 24/7 non-insurance Emergency Assistance team is also included for support anytime, anywhere.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping could all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you could be reimbursed for pre-paid, unused, non-refundable expenses like flights, horseback riding tours and accommodations if your trip is cancelled for a covered reason. US residents (except those that live in New York) also have the ability to add, at an additional cost, cancel for any reason coverage when certain World Nomads plans are purchased that could refund a portion of your pre-paid, unused, non-refundable travel expenses.
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What happens if my bags are delayed?
If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your plan also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next horseback riding trip?
Not sure where your next horseback riding adventure should take you? Check out some of our favorite places to ride horses around the world and get destination-specific travel insurance tips to help you plan with confidence.
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Food, Wine, and Outdoor Adventures in Slovenia
20250716-4665261. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 Italy
Explore la dolce vita
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As featured in:
Article at a glance
- Travel insurance is mandatory if you're applying for a Schengen visa.
- Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
- Travel insurance may also cover trip cancellations due to insured events, stolen baggage, and disruptions due to strikes.
- Travelers staying for more than 90 days or travelling for work/volunteering should check visa requirements and policy limits.
- Always read the Policy Wording to understand what’s included and excluded.
From the colorful cliffside villages of Cinque Terre to the ancient streets of Pompeii, Italy delivers big on unforgettable experiences.
Whether you're cycling through vineyards in Piedmont or planning a foodie escape to Bologna, it’s worth considering how travel insurance for Italy can help if the unexpected happens.
- What's covered
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
What's covered
Depending on the plan you choose and your Country of Residence, our trip insurance for a trip to Italy can cover you (up to benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation, delay and interruption
- Stolen or delayed baggage
- More than 150 activities and adventures
- some Coronavirus-related events
We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. It is up to you to choose which plan meets your travel needs.
Why should I consider travel insurance for Italy?
World Nomads travel insurance may come in handy for:
- Medical emergencies: If you come off your scooter in Venice and fracture your wrist, medical travel insurance may help cover these expenses.
- Stolen belongings: Pickpocketing can happen in crowded areas like The Colosseum. Our policies may help with replacing stolen items, including passports and tech. Depreciation applies, see the PDS for details.
- Trip cancelation: If your trip is canceled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
- Luggage delays: If your bags are delayed en-route to Rome and you're left without clothes or essentials, we may reimburse necessary purchases.
- Adventure activities: Planning on hiking the Dolomites? World Nomads can cover more than 150 activities including trekking, skiing and water sports.
Traveler’s tip: you can buy travel insurance when you book your trip or while you're already traveling around Italy. Waiting periods may apply.
What to look out for when traveling to Italy
Going off season
Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.
If you go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Trento in Trentino and Mantua in Lombardy.
Traveler’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.
Pickpockets and other scammers
Be vigilant with your personal items, especially on public transport and busy tourist sites such as Pisa.
If your personal items are stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.
24/7 Emergency assistance
If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is approved.
Top travel tips for Italy
- Travel documents for travel to Italy: a valid passport with at least six months’ validity is essential. You may also require a Schengen visa and proof of travel insurance.
- The new European Entry/Exit System (EES) for all non-EU nationals traveling in or out of the Schengen Area is expected to start in October 2025.
- How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have great Wi-Fi.
- Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.
Looking for more travel inspiration for Italy?
Get more travel inspiration for Italy:
- Skiing in Italy’s Dolomites: 8 important safety tips
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
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.
FAQ for a trip to Italy
Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Do I need a Schengen Visa for Italy?
If you’re not a resident of a Schengen visa country, and depending on your nationality and country of residence, you may need to get a valid Schengen visa to move freely in the 27 EU member states. Additionally, travel insurance is compulsory for those who need a Schengen visa to enter Italy.
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Does World Nomads cover existing medical conditions?
We can’t cover existing medical conditions. You can still purchase a policy, just be aware that there’s no cover for any claim made as a result of a pre-existing condition.
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How do I make a claim?
You can make a claim online from anywhere in the world – it’s fast and easy.
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 companion 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 medication?
- 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
- Hurt 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 for Italy
Explore la dolce vita
- As featured in:
As featured in:
Article at a glance
- Travel insurance is mandatory if you're Australian and applying for a Schengen visa.
- Medical costs in Italy can be high for non-EU visitors; travel insurance may help cover hospital stays, emergency care, and repatriation.
- Travel insurance may also cover trip cancellations caused by insured events, stolen baggage, and disruptions due to strikes.
- Australian travellers, including those travelling for work/volunteering, staying for more than 90 days should check visa requirements and policy limits.
- Always read the Product Disclosure Statement (PDS) to understand what’s included and excluded.
From the rolling hills of Tuscany to the canals of Venice, Italy is a dream destination. Whether you're exploring ancient ruins in Rome, skiing in Northern Italy, or on a family holiday in Tuscany, Italy offers adventure, history, and culture in equal measure.
While the food, culture, and art of Italy may be enticing, unexpected events like medical emergencies, travel delays, or stolen luggage can quickly turn your dream Italian getaway into a stressful situation. Before you get on your flight, consider how travel insurance for Italy can help if your adventure doesn’t go to plan.
- What's covered
- Why should I consider travel insurance for Italy?
- What to look out for when traveling to Italy
- Top travel tips for Italy
- FAQs for a trip to Italy
What's covered
Depending on the plan you choose our trip insurance for Italy can cover you (up to benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation and delay
- Stolen or delayed baggage
- More than 220 activities and adventures
- Some Coronavirus-related events
We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. Consider the PDS and whether this product is right for you.
Why should I consider travel insurance for Italy?
World Nomads travel insurance could come in handy for:
- Medical emergencies: If you trip on cobblestones in Florence and fracture your ankle, medical travel insurance may help cover these expenses.
- Stolen belongings: Pickpocketing can happen in crowded areas such as Rome’s Termini Station. Our policies may help with replacing stolen items, including passports, tech and personal belongings. Depreciation applies, see the PDS for details.
- Trip cancellation: If your trip is cancelled due to covered reasons like illness or natural disasters, you may be able to recover non-refundable costs.
- Luggage delays: If your bags are delayed en-route to Naples and you're left without clothes or essentials, we may reimburse necessary purchases.
- Adventure activities: Planning on hiking the Cinque Terre? World Nomads can cover more than 220 activities, so get out there and have fun in the sun!
The above features are a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the PDS for complete details of cover and exclusions.
Traveller’s tip: you can buy travel insurance when you book your trip or while you're already travelling around Italy. Waiting periods may apply.
What to look out for when traveling to Italy
Travel during the shoulder seasons
Visiting Italy in the shoulder seasons of Autumn (September to November) and Spring (March to May) means you can avoid large crowds and generally get cheaper flights and accommodation.
If you do go in the peak season, it can be a good idea to go off the beaten path and visit some of the lesser known, but still incredible, Italian cities and regions. For example, Locorotondo in Puglia, and Tropea in Calabria.
Traveller’s tip: check out our travel alerts to stay up to date on any travel restrictions or changes for Italy.
Pickpockets and other scammers
Always be vigilant with your personal items, especially on public transport and busy tourist sites such as The Colosseum.
If your gear is stolen - report the theft to the relevant authority, get a report, and submit your claim online along with copies of relevant receipts.
24/7 Emergency assistance
If something goes wrong, we’re here to help with 24/7 Emergency Assistance. We can help you find care nearby, communicate with doctors, and set up payments to medical facilities if your claim is accepted.
Top travel tips for Italy
- Travel documents for travel to Italy: The Department of Foreign Affairs and Trade (DFAT) states that you should have a valid passport with at least six months’ validity. For example, you can’t enter some countries if you have less than 6 months validity on your passport from the date you intend to leave that country. This may apply when you’re transiting or stopping over in the country.
- Australia has a Reciprocal Health Care Agreement with Italy. You may be able to get treated in public medical facilities if you show your Medicare card and Australian passport. You should still consider travel insurance for medical emergencies abroad as there may be differences in what's covered. Check what is covered under the RHCA and travel insurance as there may be differences in cover available under each.
- How to stay connected during a holiday in Italy: local SIM cards or eSIMs offer great value; most cities also have solid Wi-Fi.
- Must-know cultural tips for holidays in Italy: learn a few Italian phrases, be respectful in churches, and remember that many shops close at midday for riposo.
- The new European Entry/Exit System (EES) for all non-EU nationals, including Australians, travelling in or out of the Schengen Area is expected to start in October 2025.
- Stay informed with Smartraveller for country-specific alerts.
Looking for more travel inspiration for Italy?
Get more travel inspiration for Italy:
- Italy travel tips: 6 things to know before visiting
- Driving in Italy: 5 things travellers should know
- Calabria, Italy: what to see and do in Italy’s wild south
This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so 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.
FAQ for a trip to Italy
Here are our most frequently asked questions about travel insurance for Italy. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Do I need a Schengen Visa for Italy?
Australians can travel to Italy and other Schengen countries without a visa for up to 90 days within a 180-day period. You may be asked to provide evidence of sufficient funds for your stay, a return or onward ticket, and proof of accommodation according to travel advice websites. For more information on what Australians should know before going to Italy and the Schengen area go to the Smartraveller website.
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Does World Nomads cover existing medical conditions?
Our policies can cover more than 40 existing medical conditions. Special terms and conditions may apply. Check the PDS for details.
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What if my baggage or tech gear is stolen in Italy?
Our travel insurance plans may cover personal belongings that are stolen or accidentally damaged, including phones, laptops, and cameras—but be aware of the terms and conditions, limitations and exclusions including depreciation, as well as item limits and sub-limits. You also have the option to add high value items when you get a quote.
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How do I make a claim?
You can make a claim online from anywhere in the world.
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Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Travel Insurance 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 companion 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 medication?
- 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
- Hurt 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 for South Africa
What UK Travellers Need to Know About Safety in South Africa
- As featured in:
As featured in:
- Why Should British Travellers Consider Travel Insurance for South Africa?
- Air Doctor: When You Need a Doctor, But Not a Hospital
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- 5 Key Safety & Travel Tips for UK Travellers in South Africa
From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.
Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.
Why Should British Travellers Consider Travel Insurance for South Africa?
While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.
Our Standard and Explorer plans can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
- Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
- Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
- Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
- Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Air Doctor: When You Need a Doctor, But Not a Hospital
A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.
With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.
Ready to explore the wild plains of Africa? Grab your travel insurance quote here.
Annual Multi-Trip (AMT) Policy
If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.
A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:
- Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
- Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
- Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
- Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
- Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!
5 Key Safety & Travel Tips for UK Travellers in South Africa
- Stay street-smart in cities: Petty crime is common, especially in Cape Town and Johannesburg. Avoid flashing valuables, use ATMs inside banks or malls, and take Uber or Bolt instead of street taxis - especially at night.
- Keep your car doors locked: Whether self-driving or in a taxi, keep windows up and doors locked, particularly at traffic lights. Carjackings can happen, so stay alert and avoid stopping in isolated areas.
- Tap water? It depends. It’s generally safe in major cities but stick to bottled or filtered water in rural areas. Avoid ice cubes in smaller towns and be mindful when brushing your teeth.
- Don’t be that tourist: Self-driving through Kruger? Stay in your vehicle when on safari tours. Tempted to feed a monkey for a photo? Don’t - those little guy’s bite. Wildlife is unpredictable, and you’re in their territory.
- Know the common scams: Watch out for fake "helpful locals" at ATMs, taxi drivers claiming your hotel is “fully booked,” and overpriced souvenir shops where guides get a kickback. Trust your instincts and book activities through reputable sources.
Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for India
India for British Nomads—Adventure, Spice & A Few Travel Smarts
- As featured in:
As featured in:
- What does World Nomads travel insurance cover?
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- India travel insurance and safety tips
British nomads have been falling under India’s spell for decades, and it’s easy to see (and smell) why. From the aromatic pull of street-side butter chicken to the age-old spice trails of Kerala, India is a sensory overload in the best way possible. Whether you’re chasing thrills in the Himalayas, riding camels through Rajasthan’s deserts, or stretching into sunrise yoga in Rishikesh, this country delivers an adventure experience like no other.
But let’s get one thing straight - India is incredible, but it’s not always easy. Between unpredictable transport, street food roulette, and the occasional monkey trying to steal your sunglasses, it pays to be prepared. Here’s everything you need to know before diving headfirst into India's chaos, beauty, and magic - from visas and vaccines to safety tips and why travel insurance should be on your research list.
What does World Nomads travel insurance cover?
From haggling in Delhi’s bustling bazaars to watching the sunrise over the Ganges, riding your moped through the bustling streets in Kolkata, or catching a glimpse of the wildlife in India’s famed sanctuaries, there’s no shortage of once-in-a-lifetime moments waiting for British nomads.
But no one wants their memories tainted for the wrong reasons – dealing with a broken leg in a foreign hospital while uninsured (for example) can seriously derail that trip of a lifetime. Rest assured, we’ve got travel insurance designed for the way you roam.
Our Standard and Explorer can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Both our Single Trip Annual Multi-Trip plans can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Trip interruption and cancellation: Flights can be cancelled, trains can run late and monsoons can roll in. Our Trip Interruption Insurance (and SmartDelay™) could be helpful in these unpredictable moments!
- Medical emergencies –Snake bite? A tuk-tuk ride gone wrong? Our travel insurance for overseas emergency medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan) and could be the most valuable asset in your backpack if things don’t go according to plan.
- Non-medical emergencies - Caught a mild case of Delhi Belly but don’t need an emergency room? World Nomads offers access to Air Doctor, so you can connect with a doctor virtually or find one nearby - without the stress of navigating India’s healthcare system. Whether you need a prescription refill, quick medical advice, or treatment for minor issues, Air Doctor makes it easy to get the help you need and get back to exploring.
- Adventure activities: World Nomads offers over 150+ activities, from white-water rafting in Rishikesh to scuba diving in Goa. If adventure is your thing, we’ve got you covered.
- 24/7 Emergency Medical Assistance: Stuck in a medical emergency? Our Emergency Medical Assistance Team is available 24/7, so you’re never alone, no matter where your adventure takes you.
- Personal Belongings: While India’s warmth and hospitality are legendary, it’s still wise to stay alert - especially in crowded markets, train stations, and tourist hotspots where pickpockets are always on the lookout. World Nomads policies offer cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed. If you find yourself in the unfortunate position of having your luggage stolen click HERE to find out the steps you need to take.
Ready to chase the chaos? Grab your travel insurance quote here.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Speaking of policies…don’t just skim over the policy wording – give it a good read. Understand exactly what’s covered (and what’s not) for your planned activities. Some activities might require you to flex some qualifications or licenses or team up with a professional guide. And remember, living on the edge might mean a slight uptick in your policy’s price (for obvious reasons).
Annual Multi-Trip (AMT) Policy
For British travellers who are always on the move, our Annual Multi-Trip (AMT) policy offers the freedom to explore India and beyond without the hassle of arranging new travel insurance for every trip.
Sticking around in India for a while? A Single Trip policy might be the better fit. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
As you gear up for your Indian adventure, keep in mind that while World Nomads travel insurance has your back, it doesn’t cover everything. Here’s a breakdown of what’s outside our safety net:
- Pushing adventure limits: Thinking of free solo climbing in the Himalayas? Not all heroic feats are covered. it is not in our list of covered activities or you skipped the adventure add-on, it’s out of bounds.
- Ignoring medical advice: If you overlook your doctor’s recommendations or ignore guidance from our Emergency Medical Assistance Team, that one’s on you.
- Unattended valuables: Left your camera on a café table in Jaipur or your backpack unzipped on a crowded train? If your valuables are stolen, lost, or damaged while unattended, they’re not covered.
- Risky behaviour: Breaking the law, excessive drinking, or taking part in illegal activities? Your coverage doesn’t extend to reckless choices.
- Cold feet? Decided India’s isn’t for you after all? A change of heart isn’t a covered event.
India travel insurance and safety tips
A riot of colours, flavours, and full-throttle experiences, India is as chaotic as it is captivating - and that’s precisely why British nomads have been drawn here for decades. But…for all the good, there’s a lengthy list of aspects you should be aware of before you touchdown:
- India’s food is legendary, but let’s be honest - your stomach might not be ready for it. If you want to eat like a king without spending a week on the throne (aka toilet), make your food choices wisely. Go for busy stalls where locals eat (a high turnover means fresh food). Avoid anything that looks like it’s been sitting out for hours.
- Tap water? Hard no. Only drink bottled, filtered, or boiled water - and watch out for ice cubes. Rule of thumb: if it’s not cooked or peeled, don’t risk it.
- Pack Western medications for the inevitable. Even if you’re careful, a dodgy stomach can strike. Also, bring rehydration salts, Imodium, and a basic first-aid kit.
- Get your jabs. Ensure you’re current on hepatitis A, typhoid, and tetanus. Malaria tablets might be needed in some regions - check with your GP before you go.
- Public transport in India is an experience in itself. If you value your safety and sanity, avoid budget “non-AC” buses and opt for private or Volvo services instead. When taking taxis or rickshaws, always negotiate your fare before getting in. And if your driver suddenly claims that your destination is “closed” or “fully booked”, be firm - it’s often just a tactic to redirect you to a place where they’ll earn a commission.
- You’ll need a visa before arrival - India doesn’t issue visas for UK citizens upon arrival. But don’t stress - the Indian e-Visa makes things easy.
- India is generally safe, but tourists can be easy targets for scams. Stick to official currency exchanges and count your cash before leaving. Book guides through trusted sources—those "friendly locals" might just be leading you to overpriced shops. Pickpocketing is common in crowded markets and train stations, so keep valuables in a money belt or anti-theft bag. Here are some additional Tips for Traveling Around Safely in India.
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
