In today's interconnected world, more and more people are embracing the freedom of living and working abroad as expats or digital nomads. Whether you're setting up a home base in a new country or embarking on a nomadic journey, consider travel insurance when packing for your overseas adventures.

• Why expats and digital nomads should consider travel insurance
• Planning on some adventures?
• Cover for accidents and injuries
• Cover for your tech
• What’s not covered
• FAQs

With World Nomads travel insurance you can be covered for benefits from medical emergencies to damaged, lost or stolen tech, cancellations and trip interruptions and more than 150 activities and sports, so you can focus on exploring new horizons.

Why expats and digital nomads should consider travel insurance:

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

Here are a few reasons why expatriates and digital nomads keep coming back to World Nomads for their travel insurance:

Flexible policies

We know it’s not easy finding travel insurance when you’re not living in your home country, so we have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need. You can choose the policy and options that suit your needs and manage your policy in our online portal.

Accessible coverage even after you’ve left home

Our travel insurance is available to most nationalities living or traveling outside of their country of residence. You can purchase our policies online and you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.

Cover for multiple destinations

If you're a digital nomad travelling to multiple countries, World Nomads travel insurance offers cover for with multiple destinations to ensure you're protected wherever your journey takes you.

Cover for unexpected cancellations

Unforeseen events such as family emergencies or job changes may force you to cancel or cut short your trip. World Nomads travel insurance may reimburse you for non-refundable expenses depending on what has happened and your specific circumstances.

Cover to suit your needs and budget

To help meet the needs of expats we offer two travel insurance plans – Standard and Explorer - each of which offers different levels of coverage and benefits so you can choose the plan that suits you.

Planning on some adventures?

Part of living and working abroad is having adventures! Depending on your country of residence and the plan you have selected , our policies can offer cover for more than 150 activities, sports and experiences, including working and volunteering. Some of the activities we can cover include:

• Bungee jumping
• Hiking up to 6,000 metres
• Kayaking, rafting, surfing and other water sports
• Manual and non-manual work and volunteering
• Scuba diving
• Skiing and snow sports

If you’re not sure if something you’re planning on doing is covered, please contact us.

Expat tip: be sure to have the appropriate visa to work under the local laws of the country you’re visiting.

Cover for accidents and injuries

Our policies can cover emergency overseas medical expenses, (up to the policy limits and when agreed by us, for up to 12 months from the date the illness first appears or injury happens) for events including:

• Medical evacuation
• Admission and treatment in hospital
• Emergency dental treatment
• Repatriation home

The 24/7 emergency assistance team can arrange medical transport, locate the closest medical facility, and give support to you and your family.

Expat tip: travel insurance is not health insurance. Our policies will not cover you for ongoing care. Your employer or host should take care of your medical cover.

Cover for your tech

If you’re living and working abroad, your tech is your lifeline. Whether you’re plugging into your social network or surfing remotely from a shared workspace, we can help protect your laptop, smart phones, devices and other personal items and baggage, up to certain limits and depending on the plan you choose. For more information on how to cover your tech gear read our Help Center FAQ.

Expat tip: keep a copy of receipts for your electronics as you will need them in the event of a claim.

What’s not covered

Travel insurance isn’t designed to cover everything so make sure you read the Policy Wording for what is and isn’t covered. That way there are no surprises if you need to use it.

Some of the main things that aren’t covered include:

• Any pre-existing medical condition
• Where care is available under any Reciprocal Health Care Agreement
• Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State.
• Some types of work and duties such as working at heights, operating machinery, working offshore and underground, and working with dangerous animals.
• Participation in any adventure sports, activities, work, study or volunteer experiences where you don’t select the appropriate upgrade or where it is specifically excluded
• Anything else that’s listed in the General Exclusions and specific section exclusions in the Policy Wording.

FAQ's

• What documentation do I need to provide if I need to make a claim?

  Documentation can differ depending on what you’re claiming however keep copies of every expense, bill, invoice and report.

• How long can I be covered for?

  The maximum duration available for any policy, including extensions, is 12 months from the start date. If you need cover beyond 12 months, you can buy a new policy.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

With flexible travel insurance that covers more than 150 activities, sports and experiences, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.

Travel insurance for expats

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

There are three main reasons expats keep coming back to World Nomads for their travel insurance:

1) Flexible travel insurance.

We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need.

2) Accessible online travel insurance even after you’ve left home.

Our travel insurance is available to most nationalities living or travelling outside of their country of residence. You can purchase online using a credit card as you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.

3) All the essentials you need covered, and more...

World Nomads designed its travel insurance around what our travellers most often claim for and tell us they want. In addition we cover more than 150 activities and events.

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.

Having insurance to cover some dental incidents can mean the difference between a taste adventure or a disaster. That’s why we offer travellers some cover for dental treatment just in case you happen to indulge in some tasty food but which may leave a bad taste in your mouth if you chip a tooth or you get an infection.

Whether you’re sampling the ktefa in Morocco or taking the durian challenge in Thailand, sudden and serious pain in your teeth can stop you in your tracks.

What’s covered?

All of our plans can cover emergency dental treatment abroad if you urgently need to see a dentist for the immediate relief of sudden and acute pain while travelling such as if:

• You get an unexpected infection
• You've broken your tooth

If you’re experiencing tooth pain, contact our 24/7 Emergency Medical Assistance Team who will help you locate a qualified dentist nearby.

What’s not covered?

Travel insurance isn’t designed to cover everything. Common dental claims we see where there's no cover include:

• Dental work other than that related to emergency dental pain relief
• Cosmetic dentistry or whitening
• Pre-existing dental problems as explained in your policy wording
• Major dental work, such as crowns, dentures, bridges and implants
• Any dental treatment after your return to your country of residence

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

Your money is your lifeline when you’re traveling.  So when your credit card is stolen it’s not just inconvenient… it’s seriously upsetting and potentially devastating to your travel plans.

Getting a replacement card back fast is super important.  That’s why as long as you were looking after your credit cards and didn’t just forget them at the restaurant, World Nomads will do all we can to help you get your replacement cards fast.

 How does travel insurance cover stolen credit cards?

Credit Card Travel insurance can help with the costs of replacing your credit card.  This may include:

• The cost of replacing your credit card
• Necessary transportation charges to get to and from any authorities to report the stolen card or collect a replacement card
• Any applicable fees

What’s not covered by travel insurance for credit cards?

We won’t cover any fraudulent purchases made on your credit card.  We recommend you always keep the contact numbers of your financial institution handy so you can call them to cancel the card and prevent any fraudulent activity on it should your cards be stolen.  We also won’t cover:

• If your card gets skimmed
• If your card gets stolen without you having noticed it while occurring
• Costs related to the time involved in replacing your credit card
• Credit cards if left unsupervised such as if you left it behind somewhere, mislaid it or if you don’t take reasonable care to protect it

This is not a full list of what's not covered. Make sure you read your policy wording so that you know what exclusions apply. 

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

Your money is your lifeline when you’re travelling. So when your credit card is stolen it’s not just inconvenient… it’s seriously upsetting and potentially devastating to your travel plans.

Getting a replacement card back fast is super important. That’s why as long as you were looking after your credit cards and didn’t just forget them at the restaurant, World Nomads will do all we can to help you get your replacement cards fast.

 How does travel insurance cover stolen credit cards?

Credit card travel insurance can help with the costs of replacing your credit card. This may include:

• The cost of replacing your credit card
• Necessary transportation charges to get to and from any authorities to report the stolen card or collect a replacement card
• Any applicable fees

What’s not covered by travel insurance for credit cards?

We won’t cover any fraudulent purchases made on your credit card.  We recommend you always keep the contact numbers of your financial institution handy so you can call them to cancel the card and prevent any fraudulent activity on it should your cards be stolen.  We also won’t cover:

• If your card gets skimmed
• If your card gets stolen without you having noticed it while occurring
• Costs related to the time involved in replacing your credit card
• Credit cards if left unsupervised such as if you left it behind somewhere, mislaid it or if you don’t take reasonable care to protect it

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

This content is for all travelers except: Americans, Canadians, Australians, New Zealanders, British, Irish, and Brazilians.

Having been on the road for long periods ourselves, we know that waiting until you get home to lodge a claim isn’t always ideal. World Nomads gives you the freedom to claim from wherever you are and whenever you like, so you can keep traveling.

How to claim on your travel insurance

If you're already a World Nomads member, you'll just need to sign in, follow the claims path and attach your supporting documents.

If you're not a member, you can either create an account which lets you lodge most claims electronically or you can get in touch with our customer service teams, who'll send out a paper form for you to complete. 

Soon after you've lodged your claim, we'll email you a confirmation letter with a reference number, so you can keep track of your claim's progress.

How do I make a claim on my travel insurance?

Learn more about how make a claim by watching this video.

Make a claim

For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.

Having been on the road for long periods ourselves, we know that waiting until you get home to lodge a claim isn’t always ideal. World Nomads gives you the freedom to claim from wherever you are and whenever you like, so you can keep travelling.

How to claim on your travel insurance

If you're already a World Nomads member, you'll just need to sign in, and follow the steps to make a new claim. 

If you're not a member, you can either create an account which lets you lodge most claims  electronically or you can lodge a claim online or by phone with the claims service teams at Collinson Insurance Solution Europe Limited on the details below, Monday to Friday 9:00am - 5:00pm. 

Belgium 

Phone: +44 (0) 333 333 9621  
Website:  https://worldnomads.collinsoninsurance.com 

Denmark 

Phone:  +44 (0) 333 333 9619 
Website:  https://worldnomads.collinsoninsurance.com 

Germany 

Phone:  +44 (0) 333 333 9618 
Website:  https://worldnomads.collinsoninsurance.com 

Netherlands 

Phone:  +44 (0) 333 333 9617 
Website: https://worldnomads.collinsoninsurance.com 

As always, if you’re unsure of something please contact us and be sure to take the time to read your policy to understand the terms, conditions, limitations and exclusions.

How do I make a claim on my travel insurance?

Learn more about how make a claim by watching this video.

Make a claim

For information relating to policies purchased prior to 14 July 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 14 July 2021 please see below.

You haven’t even had a chance to pack your bags or get your passport and you get ill – so ill in fact that as much as you want to go on that planned overseas getaway you’ve been looking forward to, you aren’t well enough to do so.

That’s where our travel insurance for pre-trip cancellation kicks in. Sure, it can’t fix the disappointment you feel at not being able to travel or make you well, but it can help you recover the costs of cancelling your trip.

How does travel insurance cover pre-trip cancellation?

If you’re injured or medically unfit to travel, our policies offer cover for your non-refundable, pre-paid:

• Travel costs, such as flights, rail and bus tickets you’ve already paid for
• Accommodation expenses
• Any tuition or course fees you’ve had to pay upfront
• Tours

You’ll need to provide us evidence that your trip costs aren’t refundable, and if the airline or hotel says they’ll give you your money back, then you won't be getting a reimbursement from us.

How sick must I be to be covered for pre-trip cancellation?

This insurance is for when you’re seriously unwell and really can’t travel (for example, if you get appendicitis). If you’ve got a cold or mild attack of hay fever, we’re not going to be able to help you out.

In order to be covered, you must either be:

• Declared medically unfit to travel; or
• You, your fellow traveler or your close relative in your country of residence must be unexpectedly hospitalized or die as a result of a sudden serious illness or sudden serious injury.

The coverage is conditional on the death, sudden serious illness (including any symptoms) or injury  being unexpected and occurring after you booked and/or paid for the trip and after you purchased the insurance.

Am I covered for Cancellation due to Coronavirus?

As part of our efforts to assist our global nomads in the Coronavirus (COVID-19)-era, we are now offering cover for some Coronavirus-related events.

While epidemics and pandemics (World Health Organization declarations of a public health emergency of international concern) are excluded from the Cancellation & Interruption and Travel Disruption sections of our policy, there may be some benefits available to you if you purchased our Explorer Plan which includes a Coronavirus Travel Costs section, providing you cover for additional Coronavirus-related events.  

 If you have purchased the Explorer Plan, you may have some cover for trip cancellation events which are outside of your control and caused by:

• You or a member of your traveling party being diagnosed with COVID-19.
• Your close relative back home being hospitalized or dying due to COVID-19.
• You or a member of your traveling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

You can check out our Coronavirus article which has more information, including benefit limits, conditions and exclusions. 

What's not covered by travel insurance?

If you change your mind about your trip overseas or decide you might want to delay it then we won’t cover you for cancellation.

This coverage is for those situations where you are physically unable to hop on that plane, train or boat due to illness or injury. Other things we won’t cover include but are not limited to:

• If you booked your travel insurance and/or trip after the symptoms of the injury or illness occurred.
• You, your fellow traveler or your close relative had refused, not sought or given up medical treatment even though the illness had deteriorated or you should have known it needed medical treatment.
• Expenses you have not taken reasonable and practical steps to recover from the carrier, accommodation provider, booking agents, travel agents, any compensation scheme, or any other source. 
• You cancel only part of the insured trip.
• If the cancellation is due to a change of mind, disinclination or reluctance to travel; changed weather conditions; acts of terrorism; acts of war (whether war is declared or not); nuclear disaster.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.