You’re hurt in an accident
- As featured in:
As featured in:
1. Safety first
Following the accident make sure that everyone is safe.
If you’re in car accident, for example, this may involve turning your hazard lights on, moving to a safe location, and, if driveable, moving the vehicle to a safe spot that doesn’t block traffic. Check for any injuries. Be aware that not all injuries can be seen.
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.
Once you’re able to contact our 24/7 Emergency Assistance Team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location.
2. Report the accident
If you’re hurt in an accident, you must make every effort to report the incident to the relevant local authority (e.g., police, hotel manager, other travel service provider) as soon as possible. Be sure to get a copy of written evidence to support any claims.
If you need immediate help at the scene of the accident, contact the local emergency services. Be ready to give the emergency dispatcher the following information:
- Who is involved? The dispatcher may ask for your name and phone number in case they need to get in contact with you later.
- What happened? Tell the dispatcher as much as you can about the emergency.
- Where are you located? Give as much information as you can such as the city, road name, road number and local surroundings.
3. Seek medical attention
Even if you do not appear to have any injuries, it is still a good idea to seek medical attention as some injuries cannot be seen. Medical treatment can help identify any potential injuries and may also put your mind at ease.
Seeking medical treatment will also result in official medical documentation, which may be necessary for any claims on your policy.
4. Get it in writing
To make a claim on your policy you will require supporting documentation. So, while it may be the last thing on your mind at the time, try to get copies of documents that will support your claim before you leave the scene or 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)
- Take pictures of the accident scene and your injuries if you can
- Any other relevant documentation related to the accident.
5. Keep your receipts
If you pay for any medical treatment costs or other out-of-pocket expenses relating to the accident, including that of changed travelled plans, it is important to keep all original receipts and other relevant documents as these will be needed to make a claim.
6. Contact us as soon as possible
If you’ve had an accident, you must notify our 24/7 Emergency Assistance Team as soon as reasonably possible.
You can contact our 24/7 Emergency Assistance Team on +353 21 237 8009 or +353 21 237 8003.
The team is available 24 hours a day, 7 days a week, 365 days a year and can offer the following assistance:
- arranging medical transport,
- Helping with multi-lingual support
- setting up direct payments to medical facilities
- giving support to you and your family.
7. Need to know more?
If you have any questions about what's covered and not covered, the claims process, or if you’re involved in an accident, feel free to 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 and positive community impact
How travel insurance can help have a positive impact on communities.
- As featured in:
As featured in:
- How does World Nomads travel insurance help communities abroad?
- How can I contribute through the Footprints program if I buy travel insurance?
- Why should I consider travel insurance when going overseas?
- Key tips for being a more responsible traveler
Travel can open our minds and teach us about destinations often far removed from our own. Just like you, as a team of global adventurers, the World Nomads team knows that as thrilling as a vacation abroad can be, our choices, if they are considered, can influence more than just ourselves.
How does World Nomads travel insurance help communities abroad?
As well as offering you support from the sidelines as you tread your explorative path, whatever it is, World Nomads also offers globetrotters the opportunity to help fund a community development project for the greater good, too.
When purchasing a policy with us, you can choose to add a small donation to the price, with 100 percent of the funds raised going directly to more than 240 reputable charities and NGOs, including Save the Children, The Fred Hollows Foundation and SURFAID, to name just a few.
Since launching the initiative, the World Nomads Footprints program has raised almost $4 million, thanks to the generosity of more than 1.3 million travelers.
Each of the projects we support has a focus on ending poverty, protecting the planet and/or making a global shift toward sustainability and resilience, in line with the United Nations Sustainable Development Goals.
How can I contribute through the Footprints program if I buy travel insurance?
The most enriching travel experiences are those that have a positive impact on ourselves, but also the environment, economy and local communities in need.
Our World Nomads Footprints recipients Safe Cities For Girls, Protecting Gorillas and Surrounding Communities, and various frontline health projects are richer for the contributions our travel community send their way.
To contribute, simply generate a travel insurance quote for your trip, and as you navigate the purchase path, you can choose to add a donation. Then all you need to do is enjoy your travels knowing you are making a difference. You can also keep in touch with us so you can see what project you have helped to fund.
Why should I consider travel insurance when going overseas?
You wouldn’t go on a vacation without taking your passport, right? It wouldn’t make sense and you wouldn’t get very far. The same goes for travel insurance; it’s something you should consider when getting ready to go on a holiday overseas.
We all know that as organized as you might be, not everything always goes to plan when you’re venturing abroad – items get lost in transit, flights can be canceled and delayed, and injuries and illness can occur.
An insurance policy may be able to help in these circumstances, and if you’re a seasoned traveler you’ll know that not only is it inconvenient to have to deal with any of the above, these hiccups can prove costly, especially in another country.
At World Nomads, we offer two levels of cover – Standard and Explorer – it’s important to consider exactly what you’ll be doing on your vacation before choosing the policy, as there are some differences.
The Standard plan includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities, sports and experiences, while Explorer has all the same benefits, but also includes some that are not in the Standard Plan and includes higher limits in some cases.
If you’re into the more intense activities, for example you plan to go skiing and snowboarding, mountain biking downhill, or rock climbing, you’ll need to upgrade to Explorer and pay the higher premium. Do note that once you have purchased a particular level of cover, it can’t be altered mid-trip.
Key tips for being a more responsible traveler:
- Social enterprise: while on your travels, seek out a social enterprise that assists the local community, for example, in Zambia the markets at Victoria Falls sell locally made goods, the money you spend goes back into the local community.
- Ethical eating: try to eat seasonal, local, organic wholefoods based around local traditions rather than ‘Western-style’. Ethical tours should also include plant-based meal options to encourage planet-friendly eating.
- Small groups: small group tours, with an average of 10 people, help us travel more responsibly. By interacting on a personal level with the people and places we visit, we’re more likely to understand the issues affecting these places and how we can help.
- Carbon offsets: have you considered whether your trip includes carbon offsets? Two global adventure tour companies now offering this option are World Expeditions and Intrepid Travel, which has also been carbon neutral since 2010.
- Be an infrequent flier, choose slow travel instead: flying less often is the best choice you can make. Could you travel using another mode of transport? And could you commit to using low-impact forms of transport once you reach your destination to offset the emissions from your flight?
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.
Teeth hit the ground
I put my foot in a funny way while I was walking quickly because it was raining. I fell unexpectedly to the floor, face first, so I put my arm out, broke the shoulder and my front teeth hit the ground breaking a tooth.
P.R. Italian Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for High-intensity Sports
What you need to know if you plan on doing some of the more adventurous sports on your next trip.
- As featured in:
As featured in:
- What's covered for high-intensity and adventure activities?
- Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What are some higher-level activities & sports that I can be covered for?
- Take your adventure activity and sports cover to the next level
So you love your high intensity sports and have plenty of adventurous plans for your trip abroad, and while you might know your own limits when it comes to adventure, you may not know that your travel insurance cover has limits.
Don’t get us wrong, we love to take things up a notch when hitting the great outdoors and really experiencing it which is why some of our plans offer cover for many popular adventure sports including rock climbing, scuba diving and skiing, but there’s plenty we don’t cover and limits and exclusions may apply.
What’s covered for high-intensity and adventure activities?
If you plan to add high-intensity sports and activities to your trip abroad, then travel insurance should be on your to-do list of things to consider when packing for your next trip. If you have several activities prepared when on the mountain, in the water, or at the snow, you may want to check out our plans to see which one fits your needs the most.
Not getting it right the first time could mean you may not be covered, for example, for medical evacuation and repatriation, and you may end up with a big medical bill.
We have two policies to choose from – Standard and Explorer.
While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. If you want to take your adventure sport to the next level, you’ll want to consider the Explorer Plan. The Explorer Plan has more generous activity conditions and limits than the Standard Plan. 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.
Questions to ask if you’re planning some higher-level sports and adventure activities while abroad
- What kind of high-level adventure activities will I be doing on holiday?
- What activities are my travel buddies planning?
- Do I have the right gear, equipment and qualifications for that activity or sport?
- What cover do the two different plans offer for these activities?
- Am I fit enough to be able to undertake the planned sports, activities and experiences?
- Are there any special exclusions or conditions of cover that may stop me from doing a specific sport or activity?
- What exclusions might apply?
What are some higher-level activities & sports that I can be covered for?
Depending on your country of residence and which plan you’ve selected you may be covered for some of the following sports and activities:
- Big-wave surfing
- Zorbing
- Shark-cage diving
- Parachuting
- Mountaineering to 6,000 metres (with ropes, picks or specialist climbing equipment)
- Triathlon up to full distance
- Mountain biking downhill (using downhill trails and/or mechanical lifts)
- White-water rafting (Grades 1 - 5)
- Skydiving / tandem skydiving
- Base jumping
And many more that you can find under our coverage plans…
The activities and sports listed below are not covered under any of World Nomads policies:
- Bull running
- Martial arts competitions
- Potholing and caving
- Cliff diving, solo diving, cave diving and free diving
- Motor sports
- Stunt flying/aerobatics
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to the Arctic or Antarctica
- Crewing of a vessel more than 60 mi (96km) from a protected body of water.
Please be aware that while we cover more than 150 activities, sports and experiences some may not be available under your specific coverage plan. Additionally, there are some we don’t cover under any of our policies. Some key things that we don’t cover include:
- If you go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
- Taking part in dangerous expeditions; mountaineering expeditions or expeditions to remote and inaccessible regions of the Arctic, Antarctica or Greenland, unless approved by us
- Work offshore or underground, including in caves
- Work operating machinery or heavy/industrial equipment
- Work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres
- Work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.
Take your adventure activity and sports cover to the next level
Depending on your country of residence you will have access to several of our activities or sports that are listed on multiple levels (from Level 1 to Level 4). This is to reflect the varying degrees of difficulty or intensity.
Cover is automatically provided on the Standard Plan and Explorer Plan when you participate in Level 1 adventure sports and activities overseas. You can upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2, 3 and 4) and pay any required additional premium at the time you purchase your policy as follows:
- If you have paid the required additional premium for a sport or activity in Level 2, you are covered for all sports and activities and work listed as Level 1 and 2.
- If you have paid the additional premium for a sport or activity in Level 3, you will be covered for all sports, activities and work listed as Level 1, 2 and 3.
- If you have paid the additional premium for a sport or activity in Level 4, you will be covered for all sports, activities and work listed as Level 1, 2, 3 and 4.
Always check before you go that you have the right level of cover for your desired activities, as you cannot add any sports or activities after your trip has begun. Also, you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Read your policy carefully, and also check out our adventure, sports activities Help Centre article. Just set your country of residence and check out the complete list of covered activities, and sports. If you are still unsure if you’re chosen sport or activity is covered, please get in touch.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
You’re in safe hands with World Nomads
Check out our true claims video below to get a behind the scenes glimpse of how we help travelers when something goes wrong.
Travel insurance tip: many travel insurance policies cover white water rafting and kayaking, for example, but Class 6, Extreme and Exploratory Rapids, aren’t covered. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip. Your policy may have special terms, conditions and specific exclusions and conditions for some activities. .
Experiencing a Medical Emergency?
Our Emergency Assistance Team helps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
If you're experiencing a medical emergency, contact our 24/7 Emergency Assistance Team who can help direct you to medical help, and if necessary, work with local authorities to repatriate you home, subject to the terms and conditions of your policy.
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
