What to do if someone on the policy dies
We're here to help
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1. Contact Us
Contact the World Nomads 24/7 Emergency Assistance Team. They will help you liaise with the local authorities.
We understand that this is a terrible and difficult time, and we can help you through the process of dealing with the situation. We can put you in touch with the necessary authorities and guide you through what you will need to do.
2. Get it in writing
In general, you’ll need copies of the following to submit with your claim. If unsure, please ask:
- Death certificate, confirming the cause of death.
- Hospital admission report, if relevant.
- Ambulance and medical evacuation reports, if relevant.
- Police report, if they were involved.
In some cases, we may need to obtain past medical history records from the deceased person’s usual doctor. We’ll let you know if this is the case.
3. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.
4. Can I claim for a COVID-19 related death?
Yes, it’s possible to submit a claim for any set of circumstances, including a death arising from a Coronavirus (COVID-19) diagnosis. That said, your coverage and whether World Nomads will pay a benefit toward your claim will depend on the terms, conditions, limitations and exclusions of the policy. What is and isn't covered varies depending on your Country of Residence.
You can read more about our COVID cover in our What's Covered for Coronavirus article, including benefit limits, conditions and exclusions.
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 hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for mountain biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
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- What types of mountain biking adventures are covered?
- Choosing the right policy for you
- What's actually covered when you go mountain biking?
- What's not covered when mountain biking?
- World Nomad's handy tips for your mountain bike adventure
- Need some inspo for your next mountain biking adventure?
Nothing beats heading down a mountain or cross country with your lunch in your backpack and your feet peddling you onwards. World Nomads love mountain biking, which is why it’s on our list of covered adventures. Before you head off into the great outdoors, read our tips to make the most of your travel insurance.
What types of mountain biking adventures are covered?
As long as you’re not doing anything stupid, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers cover for mountain biking (on and off road, cross country, or downhill) for different elevations up to 6000 meters. Please be aware that the availability to cover different mountain biking altitudes will vary by Country of Residence and will vary depending on the plan you have chosen.
Note: There are specific terms and conditions, limits and exclusions that apply to mountain biking, so be sure to check the exclusions section of this article, and also check your policy wording carefully. If you’re not sure whether something is covered, contact us.
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 mountain biking plans.
When buying a policy you may want to consider upgrading your cover if you want to be covered to go mountain biking up to 6,000m in altitude. You can’t upgrade your policy after the cooling-off period so choose carefully. Check out your policy wording and contact customer service if you’re unsure what your cover includes.
What’s actually covered when you go mountain biking?
- If you’re injured or have an accident whilst biking
It’s not nice to think about, but if you suffer an injury or accident on your ride, 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 riding in a remote area, far from medical assistance, so 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 ride
If your ride is cancelled or interrupted due to an unforeseen event, you may be able to recover your unused/additional travel expenses. This includes if your ride is affected by a natural disaster, or your travel destination is affected by an extreme weather event.
- Rental Car Excess
If you’ve hired a car to take you to go on your rides and you suffer a car breakdown, traffic accident or your vehicle is broken into, some World Nomads plans may offer damage collision waiver (also called insurance excess) coverage, depending on your Country of Residence and your choice of a Standard or Explorer plan.
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 mountain biking?
While we can offer coverage for mountain biking, there are also things we just won’t cover. These include, but are not limited to:
- No matter how safe you are, we won’t cover any mountain biking on the infamous Death Road – otherwise known as Yungas Road in Bolivia.
- We only cover mountain biking that is incidental to your holiday – that means you only plan to cycle or go mountain biking for a day or two here and there and you’re not using a bike as your main mode of transport while on your travels.
- Riding at altitudes over 6,000 metres
- 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.
- Working or participating professionally in any activity or sport.
- 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.
World Nomad’s handy tips for your mountain bike adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals , handlebars and tyre pressure.
- Put your safety first: only go riding 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 go.
- Keep your body loose and springy and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
Need some inspo for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
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 teamYou’re hurt in an accident
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As featured in:
1. Safety first
Make sure everyone is safe. If you need immediate help, contact the local emergency services.
2. Seek medical attention
3. Get it in writing
Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of your injury.
- Hospital Admission report, if you’re admitted to hospital.
- Ambulance and Medical evacuation reports if relevant.
- Police report (if they were involved).
- Any other relevant documentation related to the accident.
4. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
5. Need to know more?
Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask 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 teamWhat to do if your luggage is delayed
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1. Report it to your carrier straight away
Once you realise your luggage is delayed, report it to the carrier (e.g. airline, tour operator) straight away. For lengthy delays, you should ask them to compensate you to replace essential items you may need while you wait for your bags to be returned.
2. Get a written report
Get a written Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they offer to you.
3. Keep your receipts
Keep the receipts for any essential items you buy like toothbrushes, prescription medication or a change of clothes.
Before you go shopping for an entire new wardrobe to replace your designer jeans or a new ballgown for that special event, because you believe everything you own is "essential", there will be limits on what your policy can and can not cover, so check your policy wording carefully or contact us (Yes, we've seen claims like this!)
Original receipts may be necessary if you intend to make a claim and your policy covers these expenses.
4. Get another report confirming the length of the delay
Once you get your luggage, get written confirmation from the carrier confirming how long it was delayed. If baggage delay is covered under your policy, there may be specific time periods that your bags are delayed before the policy can help reimburse you for extra expenses, so it’s important we know how long you were inconvenienced. For example: cover may vary if your bags were delayed for a few hours compared to a few days.
5. Need to know more?
Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy wording will always have the full terms, conditions and exclusions that apply.
If you have questions about what's covered and not covered, just ask 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 teamWhat to do if you fall suddenly ill
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As featured in:
1. Seek medical attention
Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible.
- If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
- If it’s not an emergency situation, call our Emergency Assistance Team if you need directions to an appropriate medical facility.
Depending on where you’re from and where you are, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know) but either way, take advantage of the public health system where possible.
2. Get it in writing
Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:
- Doctor or other medical practitioner’s report confirming your illness.
- Hospital Admission report, if you’re admitted to hospital.
- Ambulance and Medical evacuation reports if relevant.
In some cases, we may need to obtain your past medical history from your usual doctor at home but we’ll let you know if this is the case.
3. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
4. Need to know more?
Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask 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 team
