Travel insurance for hiking & trekking - World Nomads
Simple and flexible travel insurance to take you trekking around the world. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
- How hiking insurance can protect your adventure
- What's covered for hiking and trekking?
- Choose a plan to suit your needs
- Annual Multi-Trip or Single Trip Travel Insurance for your hiking adventure abroad?
- What's not covered for hiking?
- How to get the most out of your hiking travel insurance
- Pre-existing medical conditions
- Some FAQs
How hiking insurance can protect your adventure
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.
If your heart's set on trekking beyond the UK, whether you're chasing the sun on Spain’s Camino de Santiago or exploring the ancient Inca Trail in Peru, a bit of preparation goes a long way.
You’ve got your gear sorted, your route planned, but have you considered travel insurance? Just like a good pair of boots, hiking travel insurance is designed to support you when the unexpected happens, ensuring your adventure continues smoothly even when the trail doesn’t.
What’s covered for hiking and trekking?
Are you a seasoned British hiker on the lookout for your next pinnacle or do you prefer the simplicity of a family weekend walk? No matter how adventurous your hiking plans, World Nomads plans may offer cover (up to the benefit limits) for:
- Emergency medical assistance: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while hiking. Either you, or someone on your behalf, must contact our 24-hour Emergency Medical Assistance team. Expenses must be medically necessary and agreed by the insurer in order to receive reimbursement of your covered expenses.
- Evacuation: approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to the UK. Emergency transport is subject to approval from the 24-hour Emergency Medical Assistance team.
- Trip cancellation: has a sick or injured travelling companion put a stop to your hiking break? Your plan may be able to recover the unused, non-refundable travel expenses.
- Gear protection: had your camera stolen while hiking in Thailand? Our gear coverage can help with the cost of replacing belongings that were swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
- Lost or damaged baggage cover: have your bags or personal items gone missing? You must report all theft or loss to the police as well as to the common carrier, service provider or other local authority as soon as possible. You must also get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report, copies of the original receipts and any luggage tickets.
- Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan may cover essential items you need to buy while you’re waiting for your baggage to arrive.
- Coronavirus Cover: we offer cover for some Coronavirus related events. To find out more click here.
All World Nomads policies also carry the following services:
- SmartDelay™: with World Nomads' SmartDelay, you’ll be covered if your flight’s delayed. Enjoy access to airport lounges and relax comfortably while you wait, ensuring your journey to the trailhead is as smooth as possible, even when things don’t go as planned.
- World Nomads powered by Air Doctor: unexpected health issues can arise when hiking abroad; whether it’s a sprained ankle on the trail or a sudden illness, World Nomads' Air Doctor feature connects you with trusted local doctors worldwide, ensuring you receive the right medical care when you need it most.
Choose a plan that suits your needs
Both the Standard and Explorer plans offer cover for hiking / trekking / rambling / bushwalking / fell walking up to 3,000 metres on recognised routes. Got the urge to climb a little higher? There’s an option to upgrade your coverage levels (Level 2: 4,500m, Level 4: 6,000m). Make sure you select these upgrades when you purchase, as you can’t upgrade halfway up the mountain.
If you’re lucky enough to have some extra adventure or sport activities planned such as kayaking or mountaineering, check out our article on covered sports and activities, which will help you select the optional upgrades you’ll need to add to your plan when you buy your policy, you can’t add them afterwards. Terms and conditions apply, please read your Policy Wording carefully or contact us if you have any questions.
Annual Multi-Trip or Single Trip Travel Insurance For Your Hiking Adventure Abroad?
When choosing between a Single-Trip or Annual Multi-Trip policy for your hiking adventures, it’s all about how often you plan to trek.
- Single-Trip policy covers hikes for your one-off trips.
- Annual Multi-Trip offers year-round coverage for multiple journeys—ideal if you’re planning several hikes (or other adventures) abroad throughout the year.
What’s not covered for hiking?
Sorry – we won’t cover you if you do something reckless (such as tackling an extreme hiking trip into a remote area when you’re only a beginner). Some things we don’t cover include:
- Pre-existing medical conditions as explained in your Policy Wording.
- Hiking / trekking / rambling / bushwalking / fell walking / fell running: where ropes, picks or other specialist climbing equipment is required.
- Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or expeditions to the Arctic or Antarctica, or of a dangerous nature.
- Search and rescue operations to find or rescue you as per the Policy Wording.
- Any adventure or sport activity graded above the level of activity cover you have selected.
- If you refuse to be repatriated or evacuated.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Medical Assistance team advise you to do.
- If you do not follow the local safety advice and warnings.
- Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers, credit card issuers or other insurance policies.
- Medical treatment that can wait until your return to the UK.
- If you don't keep your gear safe and secure at all times.
How to get the most out of your hiking travel insurance
Before you head for the hills, the following tips can help you maximise your peace of mind, safety and validity of cover.
- Inform a local assistance company of your trekking route and policy details.
- If you require any medical treatment during your trip while outside of the UK please contact our 24-hour Emergency Medical Assistance Team before incurring medical costs.
- Check which countries your trail passes through to ensure your policy covers you for that region.
Pre-existing medical conditions
You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.
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
Here are our most frequently asked questions about buying travel insurance for hiking & trekking. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Alberta to Zambia by helping cover some of those nasty accidents. For further info, click here
-
• How do I get to the medical centre if I’m injured while trekking?
If you can, contact the emergency medical assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call the assistance team once you’re in safe hands. For further info, click here.
-
What if the airline loses my gear?
If your gear is lost or damaged by the airline, you have coverage under your policy to help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
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 in an accident?
- Sudden death of an immediate relative?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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 Hiking & Trekking Adventures
Simple and flexible travel insurance to take you trekking around the world. Buy at home or while travelling and claim online from anywhere in the world.
- As featured in:
As featured in:
- Consider travel insurance when going hiking?
- Choose a plan to suit your hiking and trekking needs
- Hiking and similar activities level of cover guide
- What else do we cover
- World Nomads love hiking & trekking
- Common injuries and safety tips
- What's not covered
Consider travel insurance when going hiking?
Are you ready to explore the world’s most breathtaking trails like New Zealand's Tongariro Alpine Crossing or scaling the peaks of Patagonia? Don’t take a step until you consider World Nomads travel insurance.
As an Australian traveller, your adventures in hiking and trekking deserve travel protection. From emergency medical expenses to trip cancellation, our Standard and Explorer plans offer a range of benefits that will allow you to focus on the journey ahead and not on potential mishaps.
Join fellow adventurers who have trusted World Nomads for over 20 years. Your next great adventure awaits.
Choose a plan to suit your hiking and trekking needs
Both our Standard Plan and Explorer Plan may offer many of the same benefits including coverage for hiking or trekking up to 6,000 meters, you just need to select the maximum elevation you’ll be hiking to at the time of getting your quote.
An upgrade for certain sports and activities may be required. Check out our FAQ article on covered sports and activities, which can help answer any questions you have around cover and selecting any optional upgrades for the activities you have planned when you buy your policy. Remember, you can’t add any sports or activities after your travel insurance has been purchased.
Terms, conditions, limits, exclusions apply, please read your Product Disclosure Statement (PDS) carefully and contact us if you have any questions.
Hiking and similar activities level of cover guide:
- Bushwalking: Level 1 cover required
- Hiking over 6,000 metres in elevation: not covered
- Hiking up to 2,000 metres in elevation: Level 1 cover required
- Hiking up to 6,000 metres in elevation: level 3 cover required
- Mountaineering: not covered
- Free soloing: not covered
- Climbing: not covered
What else do we cover?
World Nomads travel insurance is designed for adventurous souls like you who plan to hike and trek across stunning landscapes. Here are some of the many benefits offered by World Nomads:
- Sports and activities cover: World Nomads provides coverage for a wide range of activities, including hiking and trekking, scuba diving, rock climbing, surfing, camping and many more.
- Overseas medical assistance: If you find yourself injured on a remote trail in Torres del Paine National Park in Chile, emergency medical assistance can be lifesaving. We offer emergency medical coverage so you can get the treatment you need.
- Evacuation cover: your hiking adventure may be far away from medical facilities. With our cover, you could get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance team. If your injuries are worse than first thought, you could be repatriated back to Australia.
- Cover for gear loss and theft: Hiking often involves expensive equipment. Should your backpack or super expensive hiking boots go missing or be stolen, World Nomads may help compensate you for any lost or stolen gear.
- Cancellations and delays: Unexpected last minute cancellations or flight delays can derail plans. If your trek on Mount Kilimanjaro needs to be postponed due to unforeseen circumstances, you may be covered.
- Worldwide emergency support: The 24/7 Emergency Assistance team is ready to help travellers around the globe, you’ll never feel alone during your adventures.
- The freedom to explore: Your passion for adventure shouldn’t come with constant worry. Knowing that you're insured allows you to fully immerse yourself in incredible hikes like those found along Norway's fjords without fear.
World Nomads love hiking & trekking
As passionate hikers ourselves, we’ve designed our plans to cover hiking from the most intrepid trek to lazy weekend hike. Here are just a few of the most epic hikes and treks to explore worldwide:
- Inca Trail, Peru
- Anapurna Sanctuary Trek, Nepal
- Gotemba Trail, Japan
- Torres Del Paine, Chile
- Whale Trail, South Africa
- Paria River Canyon, USA
- Laugavegur Trail, Iceland
*All plans are different. Depending on the altitude you're hiking to, you may need upgrade your policy at the time of purchase. Conditions and exclusions apply. Read the PDS carefully to choose the right plan and/or adventure sport option for your trip.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
Common injuries and safety tips
Hiking and trekking can be tough on the body, so it’s smart to prepare for some of the common injuries that can arise:
- Sprained ankles and knee Injuries: Uneven terrain can strain joints. Invest in sturdy footwear with good ankle support and take breaks to prevent fatigue.
- Dehydration and heat stroke: Staying hydrated is essential, especially in hot climates. Carry plenty of water and drink fluids regularly.
- Altitude sickness: If you’re trekking at high altitudes, ascend gradually and allow your body time to adjust. Symptoms include headache, nausea, and dizziness.
If you find yourself injured and unable to continue your trek, get in touch with the Emergency Assistance team as soon as possible, seek out local medical help, and save any documentation for your claim.
What's not covered?
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- If you travel against medical advice or neglect to adhere to the Australian government’s ‘Do Not Travel’ warnings issued prior to departure. For more information check out the smartraveller website.
- Any pre-existing medical condition unless otherwise expressly stated in your PDS.
- Participation in a sport or activity not listed as covered in the PDS or agreed by World Nomads or where you haven’t paid the required additional premium.
- Extreme climbing and mountaineering: Ensure that the trek or hike your planning is covered in the first place. Some high-risk activities like may be excluded or require a certain level of cover. Be sure to check the PDS so that your chosen activity is covered.
- Ignoring safety guidelines: Insurance might not cover injuries resulting from not following safety advice, trekking without a guide in high-risk areas, or venturing into restricted zones.
- Expenses you incur after you return to Australia.
- Unattended baggage or personal items.
- Working or participating professionally in any activity or sport.
Get a quote from anywhere 24/7
With World Nomads travel insurance, you can buy your plan before you go or when you're already travellinng, anytime, anywhere, 24-hours a day. When you're ready, head to our website to get a quote, and reach out if you have any questions.
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 died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for hiking and trekking. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Alberta to Zambia by helping cover some of those nasty accidents. For further info, click here
-
How do I get to the medical centre if I’m injured while trekking?
If you can, contact the emergency assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call the assistance team once you’re in safe hands. For further info, click here.
-
What if the airline loses my gear?
If your gear is lost or damaged by the airline, you have coverage under your policy to help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Travel insurance when scuba diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why buy travel insurance when going scuba diving?
This information is for New Zealand residents. Calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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)
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 40 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Cavern diving (up to 40 meters – an additional premium applies)
- Snorkeling, island escapes, live-aboard trips, and more
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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help to the care that you need. For further info, click here.
-
What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalization and/or medical evacuation our 24/7 Emergency Assistance Team will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you do not have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
Travel Insurance for Scuba Diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why should I consider travel insurance when going scuba diving?
Whether you’re an experienced diver or its your first time heading into the deep blue when going diving you may need to have the right level of scuba diving activity under our travel insurance plans
- What am I covered for when scuba diving?
- What's covered?
- What's not covered?
- Key tips when going scuba diving
- Want to know more?
All our plans are different and may require an upgrade to go scuba diving. Read the Product Disclosure Statement (PDS) carefully to choose the right plan and/or adventure sport option for your trip. Terms and conditions and exclusions apply, check your policy for details or contact us.
What are the different levels of activity cover?
There are three different levels of activity and sport coverage under World Nomads policies, these are as follows:
- Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan
- Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences
- Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.
Simply specify all the sports and activities you have planned for your trip when you get your quote, as you can’t add them afterwards.
What am I covered for when scuba diving?
Under our Standard and Explorer plans there are certain special conditions and exclusions depending on the type of scuba diving experience you’re planning. See our list below to know what you’ll be covered or not covered for:
- Scuba diving (qualified to 30 metres)# (1#) - Covered
- Scuba diving (qualified to 40 metres)# (2#) - Covered
- Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*) – Covered
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#) – Covered
- Cavern diving (qualified to 40 metres)*# (3*#) - Covered
- Scuba diving - commercial – Not Covered
- Scuba diving (over 40 metres) – Not Covered
- Cave diving – Not Covered
- Cavern diving (over 40 metres) – Not Covered
- Free diving - Not Covered
(*) You must be with a professional, qualified and licensed guide or operator
(#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience
Note: sporting equipment that is checked-in is only covered where the carrier requires it be checked-in due to its size or weight. Always carefully read your PDS so you are clear on what is and isn’t covered under each plan. If you are still unsure about coverage you can contact us.
What's covered?
The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer – that provide coverage when backpacking overseas.
Our plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or feeling unwell, if severe weather interrupts your plans, and for many other reasons.
World Nomads may offer cover for the following (up to the policy limits):
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses
- Overseas emergency medical: exploring the world through a scuba diving lens can be a great experience, but not if it ends in sickness or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while abroad
- Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans
- Delayed baggage: It can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo
- And much more…
Note: Read your PDS for details on maximum benefit limits, exclusions and terms and conditions of your coverage.
Travel insurance tip: World Nomads provides travel insurance for more than 150 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
What's not covered?
Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.
These include, but are not limited to:
- Diving professionally
- Reckless behaviour while diving or doing any activity or sports
- Search and rescue expenses
- Your scuba dive equipment while it is in use
- Diving under the influence of drugs or alcohol
- If you don’t keep your gear safe and secure at all times.
- Expenses that can be recovered from other sources e.g., transport carriers, accommodation providers or other insurance policies
Key tips when going scuba diving:
- Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval.
- Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers.
- When scuba diving with a group, listen to your instructor or dive guide regarding the planned route and what to look out for.
- Monitor your air gauge and make sure you have enough air left to get back to the boat.
- Descend and ascend slowly during every dive.
- Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
- Don't fly for at least 24 hours after scuba diving. The aircraft's pressurised environment can trigger decompression sickness if you still have excess nitrogen in your system.
- Make sure you have the right level of scuba diving travel insurance and that the kind of diving you plan to do is fully covered.
Want to know more?
Our Help Desk article on scuba diving can help you out if you have any further queries on coverage.
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.
World Nomads love scuba diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 40 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Cavern diving (up to 40 meters – an additional premium applies)
- Snorkeling, island escapes, live-aboard trips, and more
FAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Help Centre or you can ask the customer service team.
-
What’s covered when scuba diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help you access the care that you need. For further info, click here.
-
What if the airline damages my gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalisation and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you don't have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage 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 bungee jumping
Whether it's called bungee or bungy jumping, be sure you're covered before you leap.
- As featured in:
As featured in:
- What types of bungee jumps are covered?
- Choosing the right policy for you
- What's actually covered when you go bungee jumping?
- What's not covered when bungee?
- World Nomad's handy tips for your bungee jump
Bungee jumping is truly the height of adventure! Standing on the edge of the platform, feeling the wind blowing on your face, the tightness of the ropes around your ankles – and the tightness in your throat and stomach as you prepare to jump! But before you do, follow our tips and make sure you’re covered.
What types of bungee jumps are covered?
Depending on your Country of Residence, all bungee jumps are covered on both our Standard and Explorer plans. However, it is a special condition that you must jump with a professional, qualified and licensed guide, instructor or operator, otherwise you will not be covered.
If you're a Brazilian resident: sorry, we cannot cover any bungee jumping on any plan.
Choosing the right policy for you
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific bungee jumping plans.
You can’t upgrade your policy after the cooling-off period so choose carefully when considering purchasing a policy. Check out your policy wording and contact customer service if you’re unsure what your cover includes.
What’s actually covered when you go bungee jumping?
World Nomad’s travel insurance offers cover for these key benefits, up to policy limits:
- If you’re injured or have an accident whilst bungee jumping
If you suffer a bungee jumping injury or accident on your jump, our emergency medical coverage may cover you for emergencies that require:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
If you need medical treatment, it’s essential that you get in touch with our Emergency Assistance team as soon as possible so they can support you.
- If you need to be evacuated or repatriated
You might be bungee jumping in a canyon far from medical assistance, and our policies include coverage if you need to be evacuated to a medical facility.
- Emergency Assistance Team available 24/7
Having an emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Our Emergency Assistance team can help with a range of services in whatever part of the world you’re traveling, can speak multiple languages and they’re available 365 days a year.
- Cancellation of your bungee jump
If your bungee jump is cancelled or interrupted due to an unforeseen event, you may be able to recover your additional travel expenses. This includes if your jump is affected by a natural disaster, or your destination is affected by an extreme weather event.
Note: keep in mind that all plans are different depending on the plan chosen and your Country of Residence. Terms, conditions, limits, and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure about anything, contact us.
What’s not covered when bungee jumping?
While we can offer coverage for bungee jumping, there are also things we just won’t cover. These include, but are not limited to:
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Expenses you incur after you return to your Country of Residence.
- Working or participating professionally in any activity or sport.
World Nomad’s handy tips for your bungee Jump
- Put your safety first: only go bungee jumping with professional, qualified, licensed and reputable operators. If you don’t, your cover may be void. If something doesn’t feel right, then don’t jump.
- Follow all the instructions the professional guides give you - they are trained professionals and are there to make your jump the best it can be.
- Wear comfortable clothes – casual clothes that aren’t too loose and footwear that won’t interfere with the ankle harness. Consider taking warm clothing – it can get cold in the wind!
- Avoid over-eating before jumping – or you could leave it behind.
- Have fun! Embrace the nerves and go for the once in a lifetime opportunity!
Want to get a taste of bungee jumping? See World Nomad’s Jabari Smith as he jumps off of the famous 440ft Nevis Bungy in Queenstown, New Zealand.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Canada
In this northern star, don’t forget these travel insurance tips for your next adventure
- As featured in:
As featured in:
The world’s second biggest country has a lot to offer travelers, including the grandeur of Canada’s Rocky Mountains, epic road trips across the plains, and great nights out sampling the many gastronomical delights of the French-inspired Montreal and Quebec.
Wherever your visit to the ‘Great White North’ takes you, World Nomads offers travel insurance that includes cover for:
- Medical emergencies
- 24/7 Emergency Assistance
- Coverage for some Coronavirus related events
- Cancellation
- Travel Insurance Cover for Adventure Activities
And if you’ve already left on your trip, with World Nomads you can buy travel insurance while on the road.
Medical Emergencies
From Poutine-eating competitions to stunning road trips and adventure activities, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and then worry about how you’re going to pay the medical bill. Overseas medical insurance offers cover for emergency medical treatment in Canada for events such as:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
24/7 Emergency Assistance Team
Our multi-lingual team is here to take the stress out of already stressful situations. They are available 24 hours a day, 7 days a week, 365 days a year and can offer assistance such as translation if you don’t speak French and in case of an emergency, arranging medical transport, providing payments direct to providers and giving support to you and your family.
Coverage for Coronavirus
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. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
Cancellation
With all of the uncertainty when it comes to travel over the past few years, the last thing you want is to be out of pocket if you have to cancel your travel plans unexpectedly.
Depending on your Country of Residence, our travel insurance policies can offer coverage for some non-refundable, pre-paid transport and accommodation expenses, so you've got one less thing to worry about.
All of our policies can offer coverage for you if you can’t travel because:
- A doctor certifies that you’re medically unfit to travel,
- You, your travelling companion or a close relative is hospitalized or dies.
Travel Insurance Cover for Adventure Activities
Our travel insurance policies offer cover for more than 150 activities, sports and experiences from skiing in Whistler, to hiking in Alberta and mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting. Some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply – these will be outlined in your policy wording.
We offer two types of travel insurance plan – Standard and Explorer. While there are many activities covered on the Standard plan, those feeling extra adventurous may need to upgrade to the Explorer Plan. You’ll also want to read the exclusions section of your policy closely because some activities such as Mountaineering or professional sports are not covered.
Remember, if you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organize your policy.
Please note that this information is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the policy wordings for complete details of coverage and exclusions.
If you have a question about coverage, contact us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Asia
Travelling to Asia? With half the world to explore, there's a lifetime of adventure just waiting for you.
- As featured in:
As featured in:
Travel in Asia
Draw a circle around the section of the globe that contains India, China, Japan, and Southeast Asia, and you have more than half the people on the planet.
With that many people and that many cultures, imagine the diversity of what you can experience traveling in Asia. The spirituality of major religions like Buddhism, Shintoism, and Hinduism. The majesty of the highest peaks, from Mt Fuji in Japan to the highest of them all – Mt Everest in Nepal. The vast differences in culture from places like South Korea, to Thailand, to Sri Lanka. And the realization that while circumstances may be different, people are the same the world over.
Things to consider when traveling in Asia
Scooter and motorbike safety
If you’re wondering whether you’ll need a licence to ride a motorbike or scooter the answer is Yes. You must have the appropriate license to ride a scooter or motorbike from your Country of Residence. If you do not have the appropriate license from your Country of Residence and you have an incident, you may not be covered.
You’ll also need to wear a helmet to ensure you are covered under our policies. Injury from a motorcycle accident is one of the most common claims. Many countries in Southeast Asia – especially Thailand - require you to wear a helmet while driving.
If you end up in a motorbike or scooter accident whilst traveling in Asia, we may offer cover for emergency medical expenses for treatment at the hospital or by a doctor; evacuation to a suitable medical facility if required; and repatriation home if you’re seriously ill or injured and unable to continue your trip. Our 24/7 Emergency Assistance Team can support you with translation services and finding a medical centre or hospital. They can also arrange for an emergency evacuation to the nearest hospital, or medical repatriation back home if required.
If you have an accident while traveling in Asia, follow these steps to keep safe, and make a claim.
Did you know our policies offer cover for 150+ adventure activities, sports and experiences across Asia including using a scooter, scuba diving up to 30m, hiking and more.
Bali belly and Gastro issues
Eating all the tasty food is a must when traveling in Asia, however it’s also one of the most common causes for claims. The best advice is don't eat anything that's been sitting around, even for a short while. Fresh is best, so insist on the food being freshly cooked. Always wash your hands before eating and avoid tap water if possible.
Be sure to seek medical advice with plenty of time before your trip to organise vaccinations or preventive medicines you may need, such as tetanus, typhoid and yellow fever vaccines and malaria medication. You should also buy a strong mosquito repellent, as this can help protect you from dengue fever and malaria.
Your coverage will vary according to your Country of Residence and whether you chose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage. Contact us if you have any questions about your cover.
Theft
The best rule to go by is to employ common sense. Don’t leave your bag or valuables unattended or unzipped. Put your wallet away after purchases. Ride by bag snatchers are a thing in some Asian countries, so you’ll need to be vigilant. Do NOT try to hang onto the bag if it’s grabbed. If there’s nothing of value in your bag, it’ll be easier to let the thieves have it and avoid a confrontation.
We also advise leaving important documents, passport and credit cards in your hotel safe or a locker, if available.
Trains are the safest option out of several public transport options in Asia, however if you’re traveling overnight, you should take extra measures to secure your valuables while you snooze. Take padlocks, bike chains, cable ties, or whatever you prefer to secure your bags. Whether you are traveling on a bus, train or ferry our tip is to not stow anything of value in the luggage compartment.
Our policies can offer cover if your belongings are stolen (up to policy limits), depending on your Country of Residence and plan chosen. Don’t forget to keep your police report and make a copy to submit with your claim. If you’ve had your belongings stolen, follow our guide for what to do next.
Our policies aren’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.
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)
True Claims Stories
“A motorcycle came from behind me and stopped next to me, so I stopped walking. Two people wearing helmets were on the motorcycle. The driver was gesturing although I didn't know why, I didn't hear him/her say anything. I felt a slight pull on my bag and on my backpack strap, and then the motorcycle rode away out of sight. The motorcycle passenger had taken my bag. The strap of the bag must have been cut. I couldn't see a license plate. I continued to my hotel and reported the theft to the police the next day.”
Japanese resident in Thailand
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 Bali
Surfing beaches, ancient spirituality and misty mountains
- As featured in:
As featured in:
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.
- What’s covered?
- Travel insurance essentials for your Bali holiday
- What’s not covered?
- Bali travel insurance and safety tips
- Are you looking for more travel inspiration for Bali?
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.
What’s covered?
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while 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.
Travel insurance essentials for your Bali holiday
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:
Trip cancellation cover
If you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note that the traveler must have already been issued a traveler’s Certificate of Insurance from World Nomads to have cancelation coverage available to them.
Activities coverage
We cover more than 150 activities, sports and experiences including trekking, rafting or surfing, which are just some of the activities tourists seek out in Bali. But we don’t cover everything. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.
Lost, stolen or delayed baggage cover
If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your policy wording carefully.
Natural disasters and other unforeseen events
If your island time is thrown into chaos by a volcanic eruption, or you’re involved in a scooter accident, you can make a claim. If a volcano wreaks havoc with flight schedules, we understand that you may want to cancel your trip rather than vacation in an ash-affected area. If you're already in Bali, we may cover your exit. The use of scooters/mopeds comes with a caveat – you must have the appropriate licenses and add it as an activity when you buy your policy.
Overseas medical emergencies
If you come down with Bali Belly after drinking contaminated food or water or are unfortunate enough to injure yourself in the surf, your policy may cover you for medical expenses. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.
What’s not covered?
Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:
- Pre-existing medical conditions
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning.
- Participation in a sport or activity not listed in the policy wording or one that's covered, but you haven't paid the required additional premium.
- Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
- The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your policy wording).
- Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. Depending on your country of residency and the plan you have selected, if an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.
Bali travel insurance and safety tips
While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.
Safety
- Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
- Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
- Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
- Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
- Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.
Travel insurance
- Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
- Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
- Ensure your travel insurance covers medical emergencies, including evacuation if required.
Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.
Are you looking for more travel inspiration for Bali?
World Nomads has various articles that cover a range of fun topics on Bali, such as:
- How to Behave When Visiting Bali
- A Traveler’s Guide to Ubud, Bali’s Spiritual Center
- What I Love (and Hate) About Bali
Secure Your Bali Adventure Now - Get Travel Insurance!
Best time to travel to Bali
Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.
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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for China
From boom to bamboo, Great Wall to the Gobi Desert. In such a diverse country, only one thing’s for sure; nothing’s for sure.
- As featured in:
As featured in:
- What's covered when traveling in China?
- Five top things to be aware of when traveling in China
- What's not covered?
- Need some more travel inspiration for your Chinese odyssey?
Ni Hao! Whether you’re braving the crowds of Beijing, retracing the footsteps of nomads before you on the Silk Road, or hiking the Great Wall, China is as diverse as you’d expect a country of 1.4 billion people to be.
Such uniqueness brings surprises – some amazing, others not so. This is where travel insurance comes in. World Nomads policies may help in the face of the unexpected, allowing you to explore China with the confidence of a support team behind you.
What’s covered when traveling in China?
All our plans offer cover (up to the benefit limits) for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Stolen or delayed baggage
- Cover for some Coronavirus-related events.
Consider if 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.
Five top things to be aware of when traveling in China
- Conquering the language barrier in a crisis
Emergencies abroad are stressful enough but try navigating any Chinese system when you don’t speak Mandarin, Cantonese or the local dialect… lucky you have travel insurance with World Nomads.
In a medical emergency, you can contact our 24/7 Emergency Assistance team, who can direct you to nearby medical care, talk to doctors for you, and provide payments direct to providers if needed. They can also provide assistance with lost passports (what to do, embassy location), or provide assistance in case your checked-in bag ends up in Hunan instead of Hainan.
It’s worth knowing that while we can help with communication on the ground, you’ll need to translate paperwork into English when you lodge your claim.
- Going off the beaten track on an adventure?
If you’re the kind of nomad that likes to see a country from all angles, including upside-down, underneath and above, you’ll love that our policies may cover more than 150 adventure activities, sports and experiences including:
Depending on your 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 coverage for an activity may have specific requirements, and if you don’t comply with them, you may not be covered. For example, if you plan to drive you must be licensed for that type of vehicle both at home and in China, that means getting a Chinese driver’s license (always check if your international driving permit is recognized).
- Keep your gear safe
In a country of 1.4 billion people, some places you go to are bound to be busy and crowded. Where there are crowds there are often pickpockets. With our travel insurance policies, you may be able to make a claim for replacement or reimbursement of stolen items, up to a per item and total maximum limit.
When traveling in China, you must take reasonable care to protect your belongings, or they may not be covered if stolen. This includes carrying valuable items with you such as electronic devices, jewelry, cash, travel documents and credit cards, and never leaving them unsupervised.
If your stuff is stolen, you must report any theft to the local authorities as soon as possible and obtain official documentation to support your claim.
Terms and conditions, limitations, and exclusions apply so be sure you check your policy wording.
- Medical emergencies in China
Your health and safety are a priority when you’re adventuring in a foreign country. Things like traffic accidents, bicycle crashes and food poisoning are all too common in China. That's why our plans cover emergency medical expenses if you fall ill, get into an accident or get hurt on your travels.
China is a massive country, and once you leave the large cities access to medical care can pose a challenge. If your adventures take you into remote parts of China and you need emergency evacuation, our policies may also cover you.
- Travel delays and cancellations
China’s airports rank amongst the top ten in the world for flight cancellations and delays.
If your travel plans are affected by a delay or cancellation - our policies may help salvage pre-paid, non-refundable trip expenses that you’ve had to forfeit if a covered event disrupts your plans.
Keep in mind to check your policy for any terms and conditions, limitations and exclusions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason.
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.
What’s not covered?
Our policies aren’t designed to cover everything and there are some things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical conditions
- Any items lost, stolen or damaged that are unsupervised or unattended
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Be sure to read your policy wording for all exclusions, and if you’re not sure whether something is covered, just ask us.
Need some more travel inspiration for your Chinese odyssey?
Check out our handy travel guides and insider travel tips:
- 6 things to know before visiting China: useful travel tips
- 5 Chinese villages with loads of history to discover (get out of the big smoke and into the countryside!)
- 5 food experiences to have in China (drool!)
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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for France
What you need to know about travel insurance for a trip to France.
- As featured in:
As featured in:
- Baggage and personal effects theft
- Rental car coverage and road safety
- Getting the most out of activities cover
- Medical emergencies
- What is overseas medical cover
One of Europe’s cultural capitals, France offers many varied experiences – from the azure waters of the French Riviera to a quiet café down an alley in Lyon, or the surprises that await you in the Louvre. But for surprises of the unpleasant kind – a delayed connection at Paris Charles de Gaulle airport, pickpocketing on the Metro, or a tumble down the ski slopes in Chamonix – World Nomads is here to back you up.
Baggage and personal effects theft
Petty crime and the theft of personal belongings can be common in Europe, especially in popular destinations or crowded transport hubs.
All World Nomads travel insurance plans have some coverage for theft, or if a carrier has lost your checked in luggage, depending on your Country of Residence and your chosen plan.
However, with any insurance plan, limits, conditions and exclusions may apply. For example, if you have simply misplaced your bags or if your gear gets damaged. Generally, you need to be able to show that you took reasonable care to look after your things.
Tips for keeping your gear safe:
- Before you travel to France, keep a copy of your receipts or other proof of ownership, as you’ll need to provide this with any claim if your things are stolen.
- Always carry your electronics and valuables with you and lock your gear up in a secure location when you can’t take it with you.
- In high-volume tourist areas and automated service stations, protect your PIN. If possible, use ATMs in more controlled and supervised areas such as banks, shops and shopping centers.
Tips for making a baggage and personal effects claim:
If general, you will need a police report, or some other kind of report from an authorized representative (e.g., a property irregularity report from the airline or bus company if your bags were checked in), to validate baggage/gear claims.
- If you need any help as a result of theft, you can contact our 24/7 Emergency Assistance Team.
- Need to know what documentation you’ll need to get for a claim?
- If your stuff is stolen, follow the steps in our handy guide to make a claim
- If your passport is stolen, don’t panic – we can help
- If the airline loses your bags, or they are delayed, you may be able to make a claim if you have the information outlined in this guide
Rental car coverage and road safety
While you might consider road trips to be safer than bungee jumping or sky diving, road-based travel comes with its own set of risks. World Nomads is here to help whether you’re navigating lane changes on the périphérique (ring road) around Paris or bumping along a country road with the following benefits:
- Rental car coverage for theft and damage insurance excess is available on select plans (benefits depend on your Country of Residence and/or your choice of a Standard or an Explorer plan)
- Our multi-lingual Emergency Assistance Team is at your service 24/7 to get you through a medical emergency or if you need emergency evacuation.
Tips for a safe and fun road trip in France:
- In addition to breakdowns or accidents, theft can happen anywhere – even the countryside isn’t immune to rental car break-ins, so be sure to take care of your belongings
- Don't forget to stop regularly for breaks to beat fatigue. Motorways have aires (approved roadside parking areas), which can be as simple as a picnic spot or a service center with more amenities.
Going on an outdoor adventure?
The diversity of France’s geography means that there’s a beach, river canyon or snow-capped peak for every adventurer and every skill level. World Nomads travel insurance policies are built for adventure, and our policies can cover more than 150 activities, sports and experiences including cross-country and alpine skiing, hiking and mountain biking.
Getting the most out of activities cover
- Some activities may require you to use specific safety gear or to be accompanied by a licensed guide, so check your policy for any conditions.
- Be sure read the exclusions section of your policy closely. Activities such as mountaineering, search-and-rescue missions, and those above a certain elevation may not be covered.
- Additional premiums may apply, depending on your Country of Residence. Your choice of a Standard or Explorer plan may also determine what activities are covered.
- If the activity you want to do isn’t listed, or if you have any questions, contact us.
Medical emergencies
While French nationals benefit from a universal health care system, travelers from outside the EU may be out of pocket if they get into a cycling accident on a country road or get sick from a steak tartare or unpasteurized cheese. All World Nomads policies offer some cover for overseas medical, and you can make a claim for reimbursement for these medical expenses (less any excess, which may apply), even if you’re still traveling.
What is overseas medical cover?
Having a policy with World Nomads also means you have access to our Emergency Assistance team, who are here to support you 24/7. They can help you find the nearest medical centre, and if it’s more serious they can arrange for an emergency evacuation, and set up direct payments to the medical facility if needed, so you can focus on your recovery.
Tips for making a claim for overseas medical:
- If you need to make a medical claim, follow this guide for all the information you will need to submit with your claim.
- Depending on your Country of Residence, you may be able to get a cash advance from World Nomads to help pay for your bills before you get any services or treatment.
- Medical claims can be complicated, and you may be asked for additional documentation. We may ask you for the medical bill, but also proof of payment.
Travel insurance doesn't cover everything. All the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
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 team